TLDR: Virginia passed the Sales-Based Financing Providers Act in 2022 to regulate merchant cash advances New York extracted a $1 billion settlement from the same predatory lenders. New Jersey got $27 million. Virginia has taken zero enforcement actions When laws exist but no one enforces them, the legal system becomes a collection agency for loan sharks Get professional help before signing any MCA agreement What Nobody Tells You About “Fast Business Funding” If you’ve ever searched for quick business financing, you’ve seen the ads. “Not a loan.” “Flexible payments based on your sales.” “Approved in 24 hours.” ...

I recently discovered a fascinating prompt on the internet that transforms AI conversations into something resembling a soul-level coaching session. The concept is simple but profound: ask ChatGPT to use what it knows about you from your past conversations, or ask Claude to look into your conversation history, then feed it this framework. Watch it perform what the prompt calls “soul surgery”—a deep, unflinching analysis of your patterns, blind spots, and unconscious behaviors. ...

TLDR: Conservatives believe in jungle law (survival of the fittest), while socialists risk creating dependency We need a third way: guarantee human dignity while demanding everyone contribute more than they receive Five pillars—healthcare, food, shelter, education, and the obligation to give back more than you take—create a society that’s both more humane and more resilient than either extreme offers The Dead End of Left vs. Right We’re stuck in a tired debate. The right looks at society and sees the jungle—survival of the strongest, competition as the organizing principle, let the weak fall away. There’s an honesty to this: nature is brutal, competition drives evolution, comfort breeds weakness. ...

TLDR: Every morning you trust the floor exists without checking—that’s faith, not reason We’ve never met the number “2” or visited “the past,” yet base our lives on these abstractions Science celebrates these tools while ignoring they’re built on pure belief Project management taught me we always work backward from faith in an unseen future If we all share this foundational belief system, we should build societies that reflect it The Floor Beneath Your Feet You wake up. Your feet hit the floor. No structural analysis, no existential crisis, no flashlight to confirm reality. Just pure, unconscious faith that the world continues to exist between yesterday’s last glance and this morning’s first step. ...

There’s a phrase in Latin that refuses to let us hide: hic et nunc—here and now. Whatever your story—your religion, your cosmology, your philosophy of where souls come from or where they’re headed—today you are a human among humans. You woke up inside this species, on this planet, with agency. That is enough to give you a duty. Respect the origin story. Respect the destination. But protect the present. I’m convinced of something simple: if, by whatever cosmic lottery, your consciousness ended up in a living human, then you are responsible for what happens to us—now. Not responsible for everything, but responsible to someone. Responsible for the choices you touch, the systems you influence, the harms you prevent, the goods you can advance. ...