Author: Daniel Keem
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Long-term capital gains should be taxed as ordinary income, full stop
Taxing investment income at lower rates than wages distorts the economy, widens inequality, and rests on weaker evidence than its defenders claim.
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Bitcoin is more speculation than investment
Bitcoin can make you rich or ruin your retirement, but calling it an investment misuses the word. Understanding the difference matters for your portfolio.
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Safety plans often fail under stress
Mental health safety plans look reassuring on paper, but the moment they’re needed most is the moment they’re hardest to use. Here’s what helps.
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AI training on copyrighted work is obviously fair use and creators are panicking
The legal case for AI training as fair use is stronger than most creators realize. The economic anxiety is real, but it isn’t a copyright problem.
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Polyamorous families have no legal protection and courts pretend they don’t exist
Polyamorous households are growing in number but invisible in law. The result is custody risk, hospital bar, and financial precarity courts ignore.
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You don’t have a spending problem, you have an income problem
Personal finance gurus love blaming lattes, but for most working Americans the real squeeze is wages that haven’t kept up with the actual cost of living.
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Bankruptcy is underused, over-stigmatized, and sometimes the right call
Bankruptcy is treated as a moral failure when it’s actually a legal tool. For some debt situations, filing is the rational, responsible choice.
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Regulators vs. algorithms: how the CFPB and state agencies are responding to AI lending
AI underwriting promised fairer lending, but regulators are growing skeptical. Here’s how the CFPB and states are pushing back on opaque models.