As others have pointed out, bonds are barely (or not) keeping up with inflation. I would like to suggest a third alternative to stock index and bonds: stable dividend stocks. They should increase in value along with inflation but still pay out a steady dividend as long as the company is strong.

    > As others have pointed out, bonds are barely (or not) keeping up with inflation.

I see this sentiment a lot, but the stats do not hold up. For example, the annual inflation rate in the US in 2025 was 2.7%. That number comes from the US Bureau of Labor Statistics.

For looking at corporate bond rates, it is useful to consider the Bloomberg US Aggregate Bond Index (aka "the Agg"). It has a weighted average maturity of about 8 years (intermediate-term), currently has a yield-to-maturity of about 4.75%.

Everytime I see a debate of stocks vs bonds on the Internet, someone pops into the convo to remind everyone about "stable" dividend stocks. Honestly, for sophisticated investors, I just to don't see this strategy frequently deployed. It seems more like talking heads on the Internet. Has anyone done backtesting on performance of high div stocks vs some combination of S&P 500 and investment grade corp bonds? I would expect the latter to greatly outperform.

Very different risk profiles.

Bonds are about steady cash flow, not about total return. "stable" dividend stocks are almost never really stable when the financial world crashes.

    > "stable" dividend stocks are almost never really stable when the financial world crashes.

Completely agree. Also, many div stocks are just one industrial accident or scandal away from a huge drop in their stock price. People who tout preferred shares are in a similar camp in my opinion. As we discovered in 2008/2009, during a crash, there is no where safe except cash. Suddenly, all financial assets have a correlation of 1.0.

With the big caveat that strong dividend yields can be an indicator that the market is considering the company to do poorly in the future.

Buy inflation linked bonds? They won't yield much above inflation but if you have >1M that's enough to last through retirement.

Colluded how?

By exchanging and correlating data presumably? For example, anything I send or receive on Discord, I see reflected in my YouTube recommendations shortly after. It's downright egregious at times.

Most likely it's just run of the mill Google analytics/adsense tags in discord. Don't forget that discord is web tech and loads all kinds of JS bundles – including trackers. The best solution is to stop using discord, but the second best solution is to only use the web app version of Discord. When you use the web app, you can install adblock and anti-tracking extensions. The amount of data that Discord sends which gets blocked by these extensions is eye opening.

I visited the rainforest in Brazil (Iguazú Falls / Foz do Iguaçu) a few years ago and saw literally dozens of species of butterflies of every size and color. It was truly incredible. Not to mention the falls themselves and the rest of the flora and fauna. The rainforest is amazing!

Take a piss somewhere and wait 10 minutes. It'll be swarmed with butterflies who want the minerals you've laid out for them.

The Amazonian soil is actually extremely poor because of how much water runs through its soil. It's one of the reasons such biodiversity evolved in the first place. Poor soils favor a diversity of strategies while rich soils tend to form monocultures that quickly dominate

(Ofc terra preta, amongst other indigenous technologies, have also radically shaped the soil and its fertility)

Used to be like that between Myanmar and Laos when descending the Mekong from China to Thailand. These days you'd be lucky to see one: development on both sides, particularly clear-felling for rubber (the price of which has now crashed), has totally destroyed the biodiversity.

The bank stole his money, claiming it was theirs? That’s a surprisingly strong action considering there’s no way that could hold up in court…right?

U.S. anti-submarine doctrine for surface vessels is pretty much just “run away”, that’s how dangerous subs are, so that’s why U.S. CSGs often include an attack submarine escort.

The subject is “people”. Parent is suggesting that the equilibrium point of housing supply and demand naturally leaves some people unhoused.

Which isn’t quite accurate as for example people prefer to move out of their parent’s homes while young adults but aren’t necessarily homeless if they don’t.

Basic housing is a necessity, but people also huge homes and 2nd homes etc. So housing policy should therefore be more complicated than simply subsidizing anything you can call housing. Capping the home mortgage tax deduction at ~median home prices for example is probably a better use of government funds.

That is the object of the sentence. He is asking who the subject is, in other words the thing or person that is doing the housing of the people. Is it the government? Is it you? I'm currently responsible for housing myself, which is annoying so I would prefer someone else take on this responsibility.

Maybe they work for Apple

You may be surprised how cavalier some people are about their clearance.

Secret is also like... really common to have. 5 million people or whatever.

I HATE the oily squares on my MacBook Air screen. I think the real issue is that there is zero space between the screen and the keyboard when the laptop is closed. I’ve started keeping a piece of printer paper between the screen and keyboard whenever I close it, and that helps but it’s annoying to have to do. So much so that I looked into getting a MBP but they have the same problem.

I'd take an ever so slightly thicker laptop that avoided this (never seen this on a Thinkpad for example) but Apple seems to be obsessed with the thinnest of everything possible

> Just how stupid do you think lawmakers, judges, prosecutors, and police are?

Quite often pretty stupid, honestly. Or careless, ignorant, jaded, corrupt, etc etc