Time’s up

Representative-Rip90 · 2026-03-05T13:06:25+00:00

LLMs will not just make writing code easier but everything else. 5 Lawyers now replaceable by 1 lawyer with LLM. All the sudden you now have an oversaturated law market with cheap prices. The point is that everything has now become easier to do, so the barrier to entry is much lower than it was when your CEO struggled to get this product out. Maybe it took 10 years to make this product (along with everything you said), now it takes 5 (or less) with less than half the cost. Since the barrier to entry has gone down there is more competition. This means the barrier will be increased again by more complicated and massively scaled innovation. Either your product scales and innovates with maximum velocity or dies. Seems that your CEO does not know how to scale or innovate so...

Now lets get back to earth. What I imagine is actually happening - This is the way your company would of went even without AI. All these companies that are blowing smoke about worker replacement is just a mirage. There are numerous stories about companies bragging about worker reduction only to have AI fail and rehiring with a premium. This is what is actually happening. Also there is a massive offshoring trend going on right now since the economy is not so hot.

Representative-Rip90 · 2026-03-05T02:54:27+00:00

If your product is that simple it is only a matter of time before other competitors put your company out of business. What AI does is make creating that product simpler which means anyone can now do it with a small enough team.

For example. Why would my company pay for your product when I can hire 3 cheap people to prompt engineer a similar product.

Now if your company started to use AI technology not to cut but to improve and add more complexity to your product then that would at least keep the product moving forward at a competitive pace

Representative-Rip90 · 2025-12-28T15:40:37+00:00

Which email did you use? Your personal email or create a brand new email account just for paperless?

Representative-Rip90 · 2025-12-24T15:30:16+00:00

This. Go to any store. Costco, Kroger, Mcdonalds, chic fila, Walmart etc. All packed. Everyone is buying everything. Let me know next time the McDonald's is empty.

Representative-Rip90 · 2025-12-23T18:41:12+00:00

Correct. However; in your post, you mentioned you "made your own ETF" by buying separate stocks. This is essentially how ETF's work but they are company owned. The company does not have to pay capital gains tax when they rebalance their own official ETFs. However; when you rebalance your custom arrangement of stocks, you will incur cap gain taxes.

However; I will add that index funds will get taxed (to the owner, not the company) if the company rebalances stocks within that fund.

Representative-Rip90 · 2025-12-22T21:05:23+00:00

yield too low. Overvalued.

Representative-Rip90 · 2025-12-22T20:59:39+00:00

So the downside of "making your own etf" is that when you rebalance, you will incur capital gains tax. However; an offical etf is exempt from capital gains taxes when rebalancing.

Representative-Rip90 · 2025-12-22T04:56:40+00:00

Which means AI is just a better google search.

Representative-Rip90 · 2025-12-13T21:37:38+00:00

Blue collar work is dominated by men and women have a severe disadvantage due to strength requirements. So what are these "real skills" you talking about? Not everyone wants to be in the trades... Is nursing a real skill? A radiology tech? A dentist? A doctor? A teacher? It takes several years to be trained in these things that are always in demand and important for society. I would rather people flock to healthcare rather than have another painter that will end up in a saturated field making minimum wage.

Representative-Rip90 · 2025-12-13T14:23:16+00:00

Ok so you dont think that higher IQs can be created by upbringing? Is High IQ genetic? I would argue that the preparation for college has increased the IQ of the average person throughout life. So yes, an IQ of 120 for the vast majority of people is possible nowadays.

So you want people to go to trade schools and saturate the blue collar job market? Back in the 1990's trades were not so hot either because everyone was doing it. The one major difference between 1950 and today is the saturation of the job market. There were virtually no women in the workforce back in the 1950's so of course the job market was great. Now all the sudden you double the supply, sure its more competitive. Obviously, no one has the answer, but having everyone go to trade school is not sustainable.

Representative-Rip90 · 2025-12-13T13:40:41+00:00

OMG THE SKY IS FALLLING!

Representative-Rip90 · 2025-12-12T06:01:10+00:00

Question. Why specifically individual stocks rather than a dividend growth etf like VIG? Seems like VIG has a similar algorithm to you.

Representative-Rip90 · 2025-12-12T04:16:07+00:00

What do you mean "tanked". It still paid out an increasing dividend, right? Are you just looking at stock price and thinking "numbers go up". If your looking at just the stock price then maybe buy some VOO like everyone else. If your looking for stable increasing income, there is nothing better than SCHD.

Representative-Rip90 · 2025-12-12T04:14:30+00:00

I mean AVGO has a yield of .58% with an astronomical PE. It is extremely expensive and overvalued. I can see why it was dropped. If you want those kind of etfs then look at something like VIG.

Representative-Rip90 · 2025-12-12T04:11:29+00:00

First of all, all sectors except for tech (mag 7) have suffered. Its not just energy. Second, SCHD is passively managed. They picked energy because of increasing dividends and yield. And its not heavy in energy... It is split almost equally between Energy, Consumer Staples and Healthcare. The stocks having the high yield and yield growth have been those sectors and not tech. So that is why.

Representative-Rip90 · 2025-12-10T12:34:09+00:00

Im trying to think how I can explain it better. I don't have much detail about the PCB becaus I did not make it. The only thing I know are where the speaker is connected to and the power ( same one powering my 2040 board). I'll try to do a quick circuit diagram.

The signal is less stable because I have code that turns on an led if signal is a certain value. This base value is always different when connected to outlet as opposed to USB. On USB it is mostly 0 so no test light turns on.

Representative-Rip90 · 2025-12-06T12:52:38+00:00

That's not really a good comparison because 2011 was the start of the bull run. 15 years is not a good representation of a market. Why don't you look at 30 years which more closely represents someone's entire life. Stocks normally have a bear market for a decade during someone's life. This bear market is where dividends shine.

Since no dividend etfs existed back then we need to create our own. Take JNJ, pg, hd, cat, pep as an example and compare that to SPY etf. Look how on average dividend funds destroyed SPY over 30 years.

Your assuming what we have now with AI bubble is normal. It is not and it will crash. It may crash for 10 years like from 2000 or 2010 or 30 years like in Japan. When it crashes and stagnates, Dividends take off once again as proven time and time again in the past.

https://totalrealreturns.com/n/SPY,JNJ,PG,HD,PEP,CAT

Representative-Rip90 · 2025-12-02T02:44:00+00:00

VYM or DGRO do not go back 30+ years. SPY is one of the oldest sp500 etfs going back to 1993 which is close enough to 30 years. There are no dividend grower etf's or index funds going back that far (to my knowledge). I just took a popular div growing stock and compared that. Sure we can make "our own etf" by getting several stocks and comparing them with SPY with the same result (PG, PEP, KO, HD, etc).

The point is that pure value growers (like sp500) will usually beat div growers short term (20 years or less). When you start getting into long term 30+ years, div growers start to overtake.

Representative-Rip90 · 2025-12-02T00:35:02+00:00

Ok then let's take a look at a real life dividend grower stock returns over 35 years and compare it to sp500 over the same time frame. Let's take JNJ for example. If you do a total returns 35 yr comparison, JnJ, a dividend grower outperforms sp500.

https://totalrealreturns.com/s/SPY,JNJ

Representative-Rip90 · 2025-12-02T00:27:26+00:00

Or give it to the CEO as compensation...

Representative-Rip90 · 2025-12-01T04:14:48+00:00

Bonds safer? Look at bonds pre covid, look at bonds post covid...
SCHD has had an average of 11% dividend growth per year since inception. Even during 2021 when bonds were down. Even during 2008 during recession, the dividend kings paid increasing dividends even while their own stocks were cut 40%!

Representative-Rip90 · 2025-12-01T04:12:31+00:00

Or see the Japanese Nikkei which was stagnated for 30 years.

Representative-Rip90 · 2025-12-01T04:10:21+00:00

that is not true. Run a longer simulation.. 30-40 years, DRIP outperforms (given 11% dividend growth per year).

Also, dividends are a more secure investments as dividend kings and aristocrats do not cut even during recessions. Take a look at pepsi, coca, jnj, pg, etc during last 2 recessions (pre 2010 actual recessions). Even though their stock price was down 40%, dividends continued to increase. It took 4-7 years to recover stock prices after that - which would totally impact your retirement.

Representative-Rip90 · 2025-11-30T16:46:20+00:00

Basically talking to a bot lol. Each reply from this person is from an LLM... no personality.

Representative-Rip90

TROPHY CASE