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designated_fridge

@ designated_fridge @lemmy.world

Posts
2
Comments
20
Joined
2 yr. ago

  • Removed

    YSK how much of your money is invested in the USA. Check your investments.

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  • You can check out SPIVA which tracks the people like the guy you're paying to predict the future.

    In all markets the results are consistent. Over a single year a professional has about a 50% chance of beating the average. This probability drops over time and over a 10Y period about 10-14% of professional investors beat the average.

    You paying this professional is essentially the same as you thinking that you are able to identify the top 10-15% professional investors. And maybe you just are that great and we should all follow suit. But I doubt it. It's your risk to take though. No one is going to force you to choose the cheaper option with the better probability to give the best returns.

  • Removed

    YSK how much of your money is invested in the USA. Check your investments.

    Jump

  • If you're not putting your money into index funds you're just fooling yourselves. You shouldn't be paying any form of investor to pretend they can see into the future.

    This also means you will be investing heavily in the US. But don't make the mistake of believing your invested money makes any difference in the world when it comes to ethical responsibility. A company isn't affected by whether a fund invests or does not invest in them.

    Socially responsible funds are just for show because financial institutions have realised it's something people will pay for. If you truly want to make the world a better place you reduce your monthly saving amount and donate the money to charities instead.

  • What do you do with your time after leaving Reddit?

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  • I said in my final paragraph that Lemmy is nice but there is so little content here. The communities I frequent here (with very active reddit counterparts) have like a submission every few days. Just check [email protected] for example.

  • No Stupid Questions @lemmy.world
    designated_fridge @lemmy.world

    What do you do with your time after leaving Reddit?

  • Fedora Linux 40 Cleared For Release Next Week

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  • My first gig as a software developer offered Fedora23 I think it was if you wanted Linux. Would be interesting to see how much has changed but I don't really have a machine to just throw fedora on

  • Do you still write notes with pen and paper?

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  • Much harder to get distracted with a pen and paper. Main reason I use it.

  • Which proprietary software do you prefer over their open-source alternatives, and why?

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  • Ah, might be! It's been 10+ years since I tried it. Back then I found it very hard to navigate

  • Which proprietary software do you prefer over their open-source alternatives, and why?

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  • Same with Lightroom vs Darktable.

  • What do you guys spend your google opinion rewards credit on?

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  • Books on Google Play Books

  • How safe is open source software? What are the general benefits?

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  • I think one general benefit of open source is that in general - they are built for the user rather than for the stakeholders.

    If Spotify was an open source app - you know for sure you would be able to hide podcasts for example (for people who don't care about podcasts and just want a music experience). However, since for Spotify The Business it's better to piss off X% of their users if Y% of their users turn into podcast users - they're not going care about the angry X%.

    So in general - in open source apps you'll generally find features users actually want and very rarely the app will try to push new features on you because they're trying to make numbers look good on their quarterly report.

  • Is having an Android really a deal-breaker for some people?

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  • European here. Telegram and FB Messenger is used by everyone even for iPhone to iPhone communication.

  • Do you struggle to keep your house tidy?

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  • I just try really hard to do the small things all the time. Whenever I leave a room, I try to bring something with me that shouldn't be in that room. Whenever I go into the kitchen, I try to clean one thing in the kitchen whether it's putting something in the dishwasher or throwing out an empty package.

    Just do small things whenever you have a moment.

    Our place still looks chaotic though so don't expect miracles.

  • What's the best financial decision you've ever made?

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  • Stop trying to beat the market. Invest in a cheap global index fund and just keep buying.

  • Why all of a sudden tech companies are not being favorable to their users?

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  • Most of the aspects have already been covered but I would want to add one:

    This was always the plan, it just wasn't as highly prioritised as growth.

    I work as a developer at a big tech company. We (the company) had our roadmap and it was mostly about getting more users. The more users you have the day the economy turns - the better off you are (... If you manage to turn an profit).

    So when the economy went to shit and we (and other tech companies) no longer can loan money for free to cover our running expenses - the priorities shift. Working towards attracting more users is only going to increase your costs at the point and you don't want to run out of money. So all roadmaps changed and cost saving efforts became the highest prio all of the sudden.

  • Why all of a sudden tech companies are not being favorable to their users?

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  • You are used to a time where money was essentially free for companies. Whenever they needed money, they could loan money almost for free.

    As interest rates are up, that's no longer the case and priorities have changed from growth to plugging holes.

  • What is the management structure of lemmy world and how is the bill for all of the web hosting paid.

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  • Tbh when I joined I didn't completely understand the fediverse. I tried to join Lemmy One first because it sounded generic enough. It didn't accept new joiners so I moved to the next generic one.

    I don't think it's unreasonable to assume that a lot of users are going to do the same. And even though I might swear in church now, I guess that's the fragility you get with fediverse. Ruud can kill this instance at any point. He can grow bored, decide he wants to put his money elsewhere, instance can grow too big for him to afford, etc. People are angry Reddit have 30 days but Ruud could easily kill this instance overnight.

    Reddit is a shithole of a company, but at least you can trust a company to like money and certain futures are simply not realistic because that would hurt the income.

    I have no doubt Reddit will still be here in five years. I wouldn't bet the same amount on any fediverse instance

  • What is the management structure of lemmy world and how is the bill for all of the web hosting paid.

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  • I don't want to be that guy but does this guy have a good track record? Kind of feel he managed to get a good Lemmy domain (generic sounding one) and now he has the biggest instance.

    Do we know he's a jolly good fellow?

  • Do you think that Lemmy will last or will it die in a few weeks?

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  • Definitely will die. I just don't see how instances will be supported financially. The fediverse is nice but at the end of the day, the instances are running somewhere and there are bills to pay.

  • Can I block posts about Reddit?

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  • Ironically, people who have managed to do this would not see your question

  • What are 2000 employees doing at Reddit?

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  • I mean, the complexity of an iOS app is nothing against running one of the world's largest websites...

  • You Should Know @lemmy.world
    designated_fridge @lemmy.world

    YSK that fund managers are consistently underperforming and you're better off with a passive fund

    www.spglobal.com /spdji/en/research-insights/spiva/