Author: Daniel Keem
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Bug-out bags are overrated for urban residents
The bug-out bag assumes you’ll evacuate on foot through a hostile landscape. For most city dwellers, sheltering in place is the realistic plan.
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AI Chatbots as Loan Officers
Conversational AI now handles payday loan applications, collections, and support. The efficiency gains are real, but so are the consumer harms hidden in the automation.
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Health insurance is the worst product Americans buy and we keep buying it
Premiums rise, networks shrink, denials stick, and we re-up every year. The product underperforms in ways that would sink any other industry.
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The IRS is bloated and ineffective, and progressives have it backwards
Progressives push for a bigger IRS, but the agency’s real problems are structural and self-inflicted. Here’s why more funding hasn’t fixed enforcement gaps.
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Technology can both help and hurt safety
Smart locks, dashcams, and home cameras improve some safety outcomes and degrade others. The tradeoffs are rarely surfaced at purchase.
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Dual enrollment is the best-kept secret in American education
Dual enrollment lets high schoolers earn real college credit cheaply. Outcomes are strong, costs are low, and most families have no idea it exists. Here’s why it matters.
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Biohacking supplements rely on hype
Nootropics, NAD+ boosters, and longevity stacks sell on podcasts and Substacks, not trial data. The gap between marketing and evidence is enormous.
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Risk-taking drives career growth
The careers that compound fastest belong to people who took asymmetric bets early. Playing it safe is its own slow form of risk.