Just to be sure, annual performance is way more important than the cumulative index performance - net returns, right? Because here climate change is better than SRI.

You’re trying to stay on the road by looking at the road in the rear view mirror. It’s better than nothing because humans usually can’t see forwards in time. My point is that you should not worry too much about that. It could be because people bought the stocks thinking that they would make more money in the future and 10 years later realized they will not and sell it to the next sucker. It could be that genuinely the companies do better. You don’t know, I don’t know.

What are you buying? An ETF usually buys a few stocks from a lot of companies that fit their profile.

What is a stock in a company? It is a tiny fraction of ownership in a company.

Now would you rather have a tiny ownership in the companies that one ETF buys or a tiny ownership in the others? If you don’t know it does not matter.

As for buying in EUR or USD it depends. Tax rules can be different, that you will have to check. Since you use USD the EUR one is likely to change more, for the better or worse because the exchange rate will vary. Again 30 years noone knows how.

Don’t mind Trump, your horizon is 30 years, does not matter if he gets a 3rd term even. He will be dead long before. Unless you think he will crash the economy utterly, but then why are you saving for the future and not buying guns, ammo and non perishable food?

If you just keep it to the basic instrument drums probably.

If we are allowing it then a heavily distorted guitar tuned stupidly low. But is it the instrument or the various electronics that make the sound?

I was thinking the same but I realized I am not sure I have a computer with a CD drive or a mother board that supports my old IDE drive

If they somehow managed to get it to not auto lock after 60 sec then I’d have to change passwords on 3 different emails.

Worst thing they would have is my browser history.

They can’t transfer any money without my fingerprint or password to the app.

You’d also have to solve the problems of them working with each other instead of against each other.

What happens to your blood pressure? Do they beat at the same time then how do you mitigate the pressure spike. You now have twice the capacity your blood vessels are meant to handle.

If they don’t beat at the same time how do you make sure blood does not just go back and forth between the hearts, but actually does something useful?

Yeah when I grew up I was a confused bag of hormones who had not yet learnt to deal with anything.

I don’t know, I’m more and more satisfied with life the older I get

Better than a lot of other methods. What are you protecting, from who and how annoying would it be to recover if it went wrong. I don’t use a password manager because I’d lose the file for sure and it would be just as inconvenient to recover as if someone hacked me. I also don’t have any sensitive stuff. Work on the other hand I have a password manager.

The lowest hanging fruit is using a leaked/hacked/stolen list of accounts/emails and passwords and trying them on other sites. You should be safe from that.

If you have sensitive information someone would be willing to break the law and spend a few thousands of dollars to get you’re not safe.

Most people don’t have to deal with booking a meeting a few timezones away or anything else where it would be an advantage on a regular basis.

It’s convenient if the date, and possibly weekday, changes at night.

Books don’t require power or any complicated electronics to be of use.

Mostly an advantage in some apocalypse or stranded on a deserted island scenario.

6. As long as i can stop smiling at funerals. I’m not unhappy but more is better.

Then 4. 5. Or 9. Are my options.

I’ll probably take 9. I have enough money today but I’ve been disciplined with my spending my entire life. It’s just something that I can stop thinking about.

4. Or 5. Would just be vanity, but if I’m happy I don’t really see the problem. Maybe 2. So I don’t have to think about that either.

How many % actually lack the above needs?

Voters: economy, as far as maintain and increase their living standards.

Left handed, right pocket.

Back in my days we did not have mobile phones, so keys went into the left pocket. Phone just had to take the other one when I got one.

It’s approximately 100 quarts per square foot.

0. I don’t have anything important enough to pay for.

If all my HDDs and SSDs died tomorrow apart from the inconvenience of buying new ones it would probably be a blessing to get rid of junk files from 2006 that maybe I want to save for some reason.

I assume around 20 is compete at national level. Almost 30 is compete at international level.

I got my strength from going to the gym 3 hours per week for years.

If I joined an amateur theatre group or something similar that practiced 3 hours per week I’m sure it would improve after a few years.

17 str. 10 dex. 10 con. 17 int. 10 wis. 6 cha.

In my 20s i realized I had to spend a feat getting persuade proficiency to make up for my “maybe on the spectrum” social abilities.

Microwaves are allowed one proud “ding” or three “beep” before they are on my hate-list.