Chapter 4 Human Coronaviruses and Pre-Existing Immunity [This was my first controversial call that humans had pre-existing immunity due to exposure to other coronaviruses. Remember, this was 2020, before vaccines and before the CDC really lost our trust. This […]
I suggest you skip this one. Instead, ask AI whether coronaviruses or influenza are more likely to cause the next pandemic. That’s a better answer than asking me in 2020 to tell you it will become another cause of […]
[This is Chapter 2 of From Killer to Common Cold, which was deplatformed from Amazon in 2020. Posting for posterity.] Chapter 2: What Does a Virus Want? Viruses are explosive. They are an aggregation of proteins and genetic […]
In 2020, before the vaccine, I wrote a book predicting Covid would become a common cold. Amazon blocked the sales as instructed by the government, so I wanted to publish it here, on the internet as a testimony to what […]
Sequence of Returns Risk Happens Once in a While There have been three recent major periods when sequence of returns risk significantly impacted retirement portfolios that are available for us to study. The 1930s, 1970s, and 2000s. This means that […]
The Opposite of Perfectionism The opposite of perfectionism includes various personality traits, decision-making styles, and psychological perspectives. I will refer to the opposite of perfectionism as anti-perfectionism, as I couldn’t find a better term. Terms for the Opposite of Perfectionism […]
Doctors: PSLF is Dead You might want to sit for this if you’re a physician relying on Public Service Loan Forgiveness to relieve your student debt. Although PSLF isn’t technically dead yet, recent policy changes and administrative turmoil have left […]
The Path of Human Vs Financial Capital Your total wealth increases over time as you work for money and your money works for you. Financial capital is low during the early stages of your career, while you […]
Getting Rich Vs. Staying Rich You get rich differently than you stay rich. Some get rich with concentration, and some stay rich with diversification. Concentration when you are young is your human capital. It can be your W-2 J.O.B. […]