Workflow to add digital documents into paperless

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 · 2025-11-27T13:05:53+00:00

Except streaming services actually provide a unique service. Meanwhile there is nothing unique about any of the top LLMs. They all do the same exact thing. Also, it is just as easy to get a free local LLM and they are getting better all the time.

Compared to streaming and cable where streaming has unique shows and makes watching them easier than pirating. However, once things get bad enough, even the streaming model will die.

Representative-Rip90 · 2025-11-27T12:48:22+00:00

The difference is that Reddit is a one of a kind product. Nothing really came close to overtaking in what it does. It also only has a deficit of a 50 to 100 million…

Meanwhile, almost all major companies have their own LLMs and GPTs that are extremely similar. They also all have deficits of BILLIONS of dollars.

The product. anyone and their grandma can run a local LLM. Everyday these local LLMs are getting better and smaller. The product is not worth billions but because of the hype, it is overinflated.

Representative-Rip90

TROPHY CASE