Recent well liked threads

1. How Fascism Works (from the book by Dr. Jason Stanley):
The Mythic Past: Fascist politics invokes a glorified, mythological past that has supposedly been destroyed or undermined by liberal, foreign, or otherwise corrupting influences.

2. Propaganda: The use of propaganda to manipulate or control the public narrative is a hallmark of fascist politics. This often involves the use of misleading or blatantly false information to shape public perception.

3. Anti-intellectualism: Fascist movements often distrust intellectuals or the academic establishment, viewing them as part of the corrupt or degenerate elite, and as a threat to the "common sense" of the people.

You've been blocking spam calls wrong this entire time.

Every time you decline, you confirm your number is active.

The calls multiply.

Here's what actually works:

First, understand why you're targeted.

When you sign up for anything online, your number gets sold to "data brokers."
They package it with your location, age, income, and sell it to call centers.
Each call confirms you're real.
The cycle intensifies.

Step 1: Register with the National Do Not Call Registry.

Go to DoNotCall dot gov (yes, it's real).
Enter your number. It's free. Government-backed.
Within 31 days, legitimate telemarketers must stop calling you.
But scammers ignore this.
That's where it gets interesting...

Like @davidbessis and others, I think that Hinton is wrong. To explain why, let me tell you a brief story.

About a decade ago, in 2017, I developed an automated theorem-proving framework that was ultimately integrated into Mathematica (see: youtube.com/watch?v=mMaid2…) (1/15) x.com/vitrupo/status…

The real reason for building it, beyond it just being a fun algorithmic puzzle, was because my then-collaborator @stephen_wolfram and I wanted to perform an empirical investigation: to systematically enumerate possible axiom systems, and see what theorems were true. (2/15)

@stephen_wolfram We constructed an enumeration scheme, set the theorem-prover running, and waited. Unsurprisingly, most axiom systems we encountered were completely barren. But occasionally we'd see one we recognized: group theory shows up around no. 30,000, Boolean logic at ~50,000, etc. (3/15)

1/ People who believe Nicole Good was "in the wrong" for trying to drive away from a federal officer are telling us something important about themselves: they value compliance over justice.

That mindset isn’t just misguided. It’s fundamentally un-American. I can explain. 🧵👇

2/ America’s founding story wasn’t about obeying the rules, it was about challenging unjust ones. The Boston Tea Party and civil rights marches are examples of acts of defiance against oppressive power structures.

Justice has always preceded legality in our moral code.

3/ When you prioritize "following the rules" at all costs, you’re effectively saying power defines what’s right. But history shows the opposite: power often needs to be confronted to make things right.

Compliance without conscience is cowardice.

I've ghostwritten for billionaire tech founders and CEOs.

Here's what I learned that can make you stupid-rich.

Like and retweet, please.

Thread 👇

In every case, my billionaire clients began the middle class way: working parents, OK college, modest money goals.

But in every case, they made a bet that changed everything. 👇

That bet went something like this:

"If I take this big risk, I can get big leverage."

That's it. That's the risk.

So what was the risk? 👇

The Ultimate Peptide Cheatsheet
Bookmark this.

21 years of knowledge boiled into this thread

1. ENERGY & PERFORMANCE

• SLU-PP-332 = Exercise mimetic
100–500 mcg/day in the AM

• SS-31 = Mitochondrial amplifier
250–300 mcg every other day

• MOTS-c = Cellular energy booster
5–10 mg 1x/week

• Tesofensine = Neuro-metabolic enhancer
0.5 mg 1x/day

• Humanin = Mitochondrial protector

2. IMMUNE SUPPORT

LL-37 = Antimicrobial defense
May help in early stages of infection.

Thymosin Beta 4 = White blood cell booster
May support immunity and inflammation control.
300 mcg–1 mg/day

Thymalin = Immune response modulator
May enhance overall immune function.
5–20 mg/day

VIP = Respiratory & circulatory support
May Use for mold/CIRS & inflammation.
50 mcg, <4x/day

3. HEALING & RECOVERY

• BPC-157 = Gut + tissue repair
May reduce inflammation, protects internal organs.
250 mcg 2x/day

• TB-500 = Muscle & soft tissue repair
Often used in combo with BPC-157.
2.0–2.5 mg every other day

• GHK-Cu = Collagen + blood flow
May support wound healing and vascular function.

• Ipamorelin & Tesamorelin
May support muscle repair, GH release, and tissue recovery.
Ipa: 200–300 mcg

4. BRAIN HEALTH & COGNITION

• Tesofensine = BDNF stimulant
May uplift mood, creativity, and mental clarity.
0.5 mg 1x/day

• Semax = Neuroprotection & intellect
May aid in stroke recovery and brain performance.
100–300 mcg/day

• Selank = Anti-anxiety + learning
May improve memory and calmness.
100–300 mcg/day

• Melanotan I = Enhanced consciousness
0.25 mg 1–2x/week

• Cerebrolysin = Cognitive protection
May be used to prevent memory decline and enhance function.
5–10 mL/day

• Orexin A = Wakefulness enhancer
May help with daytime energy and alertness.
100–150 mcg in the AM

• Dihexa = Cognitive repair
PE-22-28 = Antidepressant support
400 mcg/day

5. BODY COMPOSITION & FAT LOSS

• GLP-3 = Triple pathway powerhouse
May suppress appetite, burns fat, and boosts metabolism.
0.15–0.50 mg/day

• Tesofensine = Appetite suppressant + mood enhancer
0.5 mg/day

• Ipamorelin = Growth hormone peptide
May promote fat breakdown and muscle growth.
200–300 mcg 1–3x/day

• Tesamorelin = Visceral fat targeting GH peptide
1 mg 2x/day

• AOD-9604 = HGH fragment for fat metabolism
300 mcg/day

• 5-Amino 1MQ = Fat storage inhibitor
May help preserve lean mass.
50–150 mg/day

6. MITOCHONDRIAL SUPPORT

• SS-31 = Amplifier peptide
May enhance other compounds
250–300 mcg on fasting days

• MOTS-c = Exercise mimetic
May increase energy production
10 mg 1x/week

• Pinealon = Neuronal mitochondria booster

• NAD+ = Mitochondrial repair
May restore energy at a cellular level
50–150 mg/day

• Epithalon = Longevity regulator
May keep mitochondria efficient with age
10 mg 3x/week

7. SEXUAL HEALTH

• PT-141 = Libido enhancer
May increase sexual desire in men and women

• Tadalafil = Vascular enhancer
May improve blood flow and nitric oxide signaling

I write about Biohacking, Hormones, Peptides and Optimizing Human Performance.

I also teach you the critical importance of Raising Your Consciousness.

Join my Free Daily Newsletter read by more than 80k subscribers.

jaycampbell.com/newsletter-sig…

Your credit card rewards exist because someone else is paying 25% APR. Cap that at 10% and the points don’t survive.

I spent years working inside fintech and card programs. That interest margin is the invisible buffer that makes rewards, lounges, and credits pencil out.

Capping credit card APRs at 10% sounds like an obvious consumer win. Cards charge 20 to 30%, many consumers revolve balances, and the system feels punitive.

But credit card economics are not just about interest rates. They are a cross-subsidized system where revolvers subsidize transactors, rewards rely on behavioral inefficiency, and risk-based pricing subsidizes access.

Remove one leg of that stool and the system does not become fairer; it rebalances. And the costs show up where consumers notice most.

Lets look at how this would impact 3 programs

1. AMEX Platinum

A 10% credit card APR cap would not make your card cheaper or better. You would still have access, but you would almost certainly get less value for the same or higher price.

The Platinum brand survives because its customers are affluent, pay in full, and tolerate high annual fees. What quietly supports that ecosystem is portfolio-level profitability, which allows AMEX to tolerate loss, overuse, and inefficiency in premium benefits.

When that margin shrinks, the cost shows up directly in your (lesser) benefits.

In a world where:
- Rewards economics tighten
- Devaluations become more likely
- Flexibility is reduced

Points become a liability to the issuer, and liabilities get repriced.

So what this likely means for you as a Platinum cardholder:
- Lounges do not expand to fix crowding. Instead, access tightens or amenities are reduced.
- Statement credits become harder to use, more fragmented, or less generous.
- Annual fees go up
- New approvals become more selective, even for high earners.

Your card still works, but the value proposition shifts. Platinum becomes more explicitly pay-to-play, with fewer hidden subsidies propping up premium perks.

You pay the same or more, and you get a little less in return.

Which is why some people are already warning that points devaluations become more likely in this environment (like @BowTiedBull this morning saying "Dump ALL your credit card points. All of them.")

2. Bilt Card

This program is the canary in the coal mine for what to expect.

Bilt’s super popular rent rewards worked because Wells Fargo was willing to subsidize them. The card offered 1 point per dollar on rent with no fees because Wells Fargo paid Bilt roughly 0.8 percent (80 bps) of each rent payment to fund rewards... despite earning little or no interchange on those transactions.

But that is some actuarial level math with a number of variables at risk that proved wrong/ unsustainable.

Wells Fargo was getting hosed $10 million a month on the program, so they exited the partnership years before the original end date and forced Bilt to restructure its rewards with a different bank

What does that teach us?

- When interest and interchange margins shrink, banks stop tolerating loss-leading reward programs.
- Interest income does not fund every reward directly, but it provides the buffer that allows experiments like Bilt to exist at all.
- Remove that buffer and rewards must be paid for explicitly.

Bilt’s shift to a three-tier lineup with annual fees is not an anomaly. It is the direction rewards go when credit stops quietly absorbing losses.

Pay-to-play rewards.

What feels like consumer protection will shows up as fewer perks, pay-to-play rewards, and less room for innovation.

3. Credit One & other Subprime Cards

Now the least glamorous corner.

Subprime cards get criticized for high APRs, annual fees, low limits, minimal rewards. But they exist for a reason.

They serve thin-file borrowers, damaged credit, people shut out of conventional loans, households using cards for liquidity not perks... but they charge high APRs because charge-offs exceed 8-10%, fraud and servicing costs are higher, and credit limits are small while fixed costs remain significant.

A 10% cap makes these products mathematically impossible.

These cards don't become cheaper. They cease to exist.

As @sytaylor noted this morning - "You realize this will push many more customers towards loan sharks?"

The demand for credit doesn't disappear... it migrates to BNPL with opaque effective APRs, chronic overdraft usage, fee-heavy installment loans, and less regulated lenders like loan sharks/ payday loans.

So who WOULD win? Debit-First Fintechs

One of the least discussed consequences: where would reward customers migrate?

I think 1% cashback programs are an obvious winner. Chime, Varo, Current and niche cards like Greenlight and Privacy.

(If you have not worked in a fintech or a bank you probably don't know what the Durbin Amedment is - but the TL;DR is that very large banks (BoA, Wells, JPMC) have capped interchange rates of around 27 bps on debit swipes.

Small banks with < $10B AUM, however, do not - they can earn 1-2% on interchange (avg was 160 bps or so last I checked).

Which is why all of the debit card fintech companies you've heard of are partnered with these smaller banks - they can offer rewards like 1% cashback programs and still have margin sufficient to build a business around.)

In a world where credit rewards shrink, access tightens, and annual fees rise, debit-based fintechs look better by comparison.

But consumers lose: credit protections, payment float, stronger dispute rights, credit-building opportunities.

TL;DR

An APR cap feels like consumer protection.

In practice it reshapes the market in ways that are easy to miss:
- It will shrink access to credit
- Eliminate rewards programs that aren't tied to high annual fees
- Force risk into less regulated channels
- Unintentionally advantages debit over credit
- Help affluent transactors more than vulnerable borrowers

Credit doesn't become cheaper. It becomes scarcer, less flexible, less transparent.

But banks will adapt.
Fintechs will adapt.

Consumers caught in the middle do not get protected.
They get fewer choices, worse products, and priced out.

Tbc I’m not defending the current system. On a personal level, I don’t have a stake in the outcome and I don’t expect this to be implemented as written.

I’m explaining how payments and credit actually work in the US, incl who pays for what and what that implies.

If you pull this lever, here’s what else moves: The US economy is deeply credit-dependent. Credit histories sit underneath mortgages, auto loans, rentals, insurance pricing, and more. Restricting revolving credit does not just change spending behavior. It changes how people qualify for basic financial products.

Ironically, a hard APR cap would push the US toward a more EU-style credit system, with lower margins, fewer rewards, & tighter access.

That model works in Europe because it is built on different assumptions. In the US ... it doesn't achieve the policy’s stated objectives. It reshapes incentives and access in ways that are not obvious unless you’ve worked inside the industry.

Can we pause the Greenland noise for one second and admit the obvious?

Denmark isn’t sovereign anymore it’s in lockstep with @Maersk.

The UN @IMOHQ is run by NGOs.

Maersk and the UN @IMOHQ are in lockstep with China.

Here’s the history 🧵

https://twitter.com/datarepublican/status/2009953358581485759

In practice, its government moves in near-lockstep with @Maersk—the world’s largest logistics empire.

Not officially.
Not on paper.
But in outcomes, incentives, and red lines.

Here’s how we got here.

Denmark was occupied by Nazi Germany in 1940.

The King stayed. He became a symbol of quiet national continuity.

But Denmark had no army to celebrate. No Normandy. No Stalingrad.

What it did have was a merchant fleet at sea, one of the largest in the world, which joined the Allied cause. Danish sailors carried fuel, food, and munitions under Allied control while their homeland was under German occupation.

They were 💯 critical to allies success.

Over a thousand Danish merchant sailors died while serving with the Allies

Those sailors became Denmark’s war heroes.

And that mattered.

It meant that after the war, shipping companies that fought with the allies had enormous political legitimacy in Denmark in a way the U.S. Merchant Marine never did in America.

🧵Dear Diary
Notes from Inside a Collapsing America

January 10, 2026

Dear Diary,

I have be honest, those are words I never expected to write, because I’m way too lazy and uninteresting to keep a diary But as most of you guys know, I’ve been reading and researching the Third Reich for about five years now.

I started off pretty wide, with big books about the developments and details of that eleven-year Reich that we mostly only pay attention to during the war years, even though it came into power in 1933. And it wasn’t long into that research before I started to really appreciate how important contemporaneous diary accounts were.

Back in the old days—before the internet —apparently most people kept diaries. That’s why we know so much about our history, our public officials, and what actually happened: because people intentionally wrote things down. All kinds of people:

Allied leaders

Nazi leaders

Resistance leaders

Jews in hiding

Jews in ghettos and camps

Journalists

Professors

Enslaved Workers

Housewives

Apollo just released a 126 page report on the state of the housing and real estate market

Some charts that caught my eye

🧵

1/ Average monthly mortgage payment on a new 30 year mortgage now sits at $2665

2/ Housing affordability remains at record lows

3/ Mortgage credit availability index showing slight signs of recovery