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Joined 7 months ago
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Cake day: August 15th, 2024

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  • More stock diversification is the answer, not manual filtrering or a tilt towards “stable” stocks. If that does not provide a risk that is tolerable for an investor, then a lower stock allocation is the next step.

    For a long time people have trusted their money in the 500 biggest US companies, but ignoring the world and ignoring smaller companies. This does not really make that much sense, but actually makes more sense if you are not an American.

    Americans work in the US economy, and often invest in the US economy. Doing so makes you take on additional risk. An allocation towards the entire global stock market gives roughly 50% exposure to US stocks already.

    If the US stock market takes a huge dive, then the value of your assets drop, and at the same time you have an increased risk of losing your job.


  • While I understand your point here, but a 10% drop amongst tech companies should not be a huge drop for a properly diversified 100% stock based global index fund.

    A 10% drop in general is expected for index funds, that’s why you should have a long time horizon. If a drop of 50% is more than you can handle then the stock allocation should be lowered from 100% and bonds increased by the same amount. S&P500 is not enough diversification, not nearly enough. Funds that track MSCI ACWI is a lot better in terms of diversification, and diversification is the ONLY free meal in investing.


  • I disagree. I believe that in the right hands it sharpens as it passes. If it does not, then you might need to change the way you talk to others in order to get there.

    There are many times I have had thoughts that are principally correct or ideologically true to my beliefs, but that has been more moderated as I have heard the opinions and thoughts of others.

    In a perfect world my values would be shared by everyone and the principles I hold would be shared amongst everyone. But we live in a world of compromise, and we can not fight every fight. And also, I am not infallible, my core beliefs are probably somewhat wrong.

    Take the very current situation with free speech. I used to have a lot stronger opinion in support of absolute free speech, now I am more reserved. Principally I believe in absolute free speech still, but that won’t work in a non-perfect world


  • 404media.co has a really high quality one! They also got a 2024 award from EFF.

    “Welcome to the podcast from 404 Media where Joseph, Sam, Emanuel, and Jason catch you up on the stories we published this week. 404 Media is a journalist-owned digital media company exploring the way technology is shaping–and is shaped by–our world. We bring you unparalleled access to hidden worlds both online and IRL through investigative reporting, smart blogging, and breaking news. At 404 Media you’ll read, and hear, stories you can’t find anywhere else written by journalists who are leading experts on their beats.”


  • Why would you want to think independently? I am a collective thinker. I ask other people their opinions and discuss it with them. That’s how I learn and form my own opinions, and how you end up with good solutions to problems. You don’t have enough time to form good opinions on lots of topics, but you have time to curate your sources and who you discuss things with. You should aim for a good signal/noise ratio.

    Thinking independently / being a free thinker is overrated in my opinion. A somewhat elitist way of describing oneself. “Not being a sheep” etc.

    Identify your core values, sensible opinions can be derived from those. If there is a mismatch between your derived opinion based on one of your core values, then maybe you have to reconsider your core values. The best way to discover those is through discussion with others.

    Being truly curious and discussing openly with others is one of the great joys of socializing. It can be done with people from all parts of the political spectrum. It’s much more enjoyable than small talk.






  • It’s a compromise for sure, and not entirely consistent with the values of a vegan / vegetarian.

    I wanted to reduce my meat and animal product consumption and it removed most of the social friction. The constant need to tell hosts of social gatherings of my preferences. I did not have to constantly hear whining from my grandmother about how they ate in the old days, and how we “city-folk” are.

    I am currently a meat eater, but try to not eat meat too often. I would not consider myself a flexitarian, but eat way less than before.


  • I have attempted being ovo lacto vegetarian in the past, flexitarian and pescitarian, but never vegan.

    My experience is that your motivation for not eating meat is why people care. If you do it for ethical or environmental reasons and not health ones. Then people will feel that you are thinking that you are superior to them.

    Health one is the most accepted reason, because it is not an “attack” on someones values. Yes, it is ridiculous that people feel this way.

    However it is more work having guests that have special dietary needs, and vegans and vegetarians are choosing it. People with allergies or religious reasons are not.

    My experience is that the easiest way to get the most results with the least friction socially is to be a flexitarian. Eat vegetarian / vegan when you are cooking or buying food, and eat the meat and animal products you are served. That reduces your consumption of animal meat and products by 80-95% without the hassle.

    I managed to be a flexitarian for 2-3 years, but gave up. Vegetarian I only managed like a month or two.

    Also remember B12!