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Joined 2 years ago
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Cake day: June 9th, 2023

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  • I Am A Rock by Simon and Garfunkel

    A winter's day  
    In a deep and dark December
    
    I am alone  
    Gazing from my window to the streets below  
    On a freshly fallen silent shroud of snow
    I am a rock I am an island
    
    I've built walls
    A fortress deep and mighty
    That none may penetrate
    I have no need of friendship, friendship causes pain
    It's laughter and it's loving I disdain
    I am a rock I am an island
    
    Don't talk of love
    Well I've heard the word before
    It's sleeping in my memory
    I won't disturb the slumber of feelings that have died
    If I never loved I never would have cried
    I am a rock I am an island
    
    I have my books
    And my poetry to protect me
    I am shielded in my armor
    Hiding in my room safe within my womb
    I touch no one and no one touches me
    I am a rock I am an island
    
    And a rock feels no pain
    And an island never cries
    


  • Inflation means cash is losing value, so prices will rise. You don’t want to have a pile of cash sitting in your bank. Here are some possible options. (I am not a professional, do your own research, etc. What works in one situation may not work in another.)

    • Convert your cash into more stable stores of value. Buy physical property (homes and land), invest in gold or other precious metals, invest in agricultural commodities, etc. People always need places to live, food to eat, wood to build, clothing to wear. These sorts of things tend to stay in demand.

    • Convert your cash to a more stable currency. You could buy a foreign country’s sovereign bonds, or exchange some of your cash for Euros or whatever. Over the past 80 years US dollars and US government bonds have been popular for this, but those feel a bit risky at the moment.

    • Spend your cash now on quality, durable goods that will last a long time. The new roof you need on your house will only be more expensive after inflation has eroded your purchasing power.

    • Buy investments that (hopefully) return an interest rate greater than the inflation rate. Stock funds can sometimes do this, but not always.

    • If you have stable income and are confident that it will remain stable, you can gamble with debt. For example, borrow money today at X% interest, and if future inflation is >X% then you benefit by repaying the debt with cheaper future money.



  • When making small talk, ask for opinions farther down someone’s list. Like, “What was the third best trip you ever took?” It catches people off guard in a good way, and garners better answers than asking for their top choice.

    You can do it the other way, too. Saying, “that was the fourth funniest thing I have ever seen” immediately prompts questions from your audience. Just be ready with a good follow-up story if you try this.

    Another option is to learn little party tricks that don’t require much talking. Learn to fold simple origami, or some coin tricks, or whatever. When you’re with a group of people and you don’t know what to add to the conversation, you quietly do your thing until someone notices. Suddenly a banal moment becomes a memorable moment and you didn’t have to say anything.