Youtube comments of J Hutt (@jhutt8002).

  1. "We don't choose our politics based on rational decisions" You nailed the biggest, main problem of most modern democracies right there.
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  2. I went into stock market a year ago. No I wonder what life would be without compulsively checking my account balance every half an hour, having wild mood swings depending on it, and watching these videos to make me cope with it.
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  3. Regulation of these centuries old financial institutions doesn't work, so we're going to take our money out and give to random upstarts with no regulation, no credentials or accountability whatsoever 😂
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  4. I've never seen any of these... Let alone electric one! And I eat canned food weekly. Here in Finland everyone has couple of those most basic can openers imaginable: small metal plate that has blade in 90 degree and small notch to grip the can. Simple and effective. It's like fork or spoon, I've never thought there was anything to improve... Interesting idea for video!
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  5.  @walkuro7384  What do you mean by "nobody needing to convert teaspoons to fl. oz"? Isn't that pretty damn hard to do in your head? Whole idea of metric system is that you can easily move the decimal point to wherever it's practical. I definitely talk metres when measuring lenght of wall of my house, then go to shop and buy boards, that are described by millimetre. Then I count the lenght between frames in wall in centimetre to find placement of nails. I don't need to "convert" any of those. They're the same unit with different factor of 10 added.
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  6. In Finland as well. Idea of "unclaimed" or completely unknown landowner is pretty foreign, because there's pretty solid archives of documents for ownership of every piece of land. 99,99 % of those are digitized in state land registry. It's not some specific system you can eally abuse. It's literal archive of scanned documents. Though most of it is also transfered to map systems, it's still those original documents that are legally binding.
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  7.  @tomlxyz Brilliant.
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  8. ​ @amy9424 It truly was unexpectedly happy ending to this gruesome story.
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  9. This is what I did too. Life is so much better here in backwoods. This is also why being engineer is great. You get nice salary and no one cares how you look as long as you're being professional.
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  10.  @benjamindoyle668  And the US truck craze IS a problem for us europeans too. Because of that, we can't get reasonable, honest to good workhorse trucks anymore. They're all thirsty ridiculously sized American style barges with ugly deerkiller front grilles and cheap plastic "luxury" crap. If you need proper working mans pickup, You need to buy japanese one designed in 90's. That's how bad the problem is
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  11.  @janettetorrez9218  No. That's just being greedy, which certainly is a common human trait, but not at all universal.
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  12. The real insanity of this thing is Logan could have just paid his developers and they likely would have gotten away with it. It's just ridculous. A million is not that much considering the scope of this: How dumb and greedy can you be?
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  13. ​ @Tone2K So where that money comes from?
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  14. 1) Laserdisc is not digital format, while technically similar to CD. It's analog video. 2) While SOME CD's do rot, it's just the reflective surface. The actual data is carved physically on the plastic disc, and should be possible to restore with modern technology, if we really want. 3) glass masters used to print CD's should in theory last as long as glass does.
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  15.  @samkelo27  1) You can't. I work in forestry, and can assure you every bit of land in Finland has a trail of records. As I said, it is still the original documents, that hold the legal matter anyway, so the even if the registry is somehow corrupted, it is still backtrackable.
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  16. Endowment isn't irrational. I think it boils down to one effect economists always tend to downplay or miss completely: That most people have very limited money supply. So buying and selling are not the same or comparable transactions. Unlike money, most items are non-fungible, and less liquid as well. If I own 1000 eur guitar and I play guitar, it makes no sense to me to sell it, if I need the guitar more than I need the money. However if I don't already own the guitar, I probably can't afford to buy 1000 eur guitar without saving for time, which is lost practice time playing Or if I own valuable item that is more likely to go up than down, it makes no sense for me to sell it, unless I have something better to invest in. Then again, it makes no sense for me to buy it either, if I don't have excess money to spend on it. If taking loan, the interest is sure, but rising value of said item is not.
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  17. To nitpick: Hobbit movies we're a trainwreck making Tolkiens unique book into a 2 cent LOTR copy with bunch of hideously cringy action sequences.
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  18. ... French cars we're quirkiest of the bunch, with emphasis on comfort on any road and catchy looks. Swedish were all in for safety and reliability, Italian cars were all sports and fun, eastern block cars were cheap and practical above anything else
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  19. I recall downloading VCD versions of few movies back in the day because my computer had 7 gb hardrive.. It still took day and a night to download :D
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  20.  @alexs.5871  Killing a cat or dog is finable only if it's not your property. While it may sound ugly. That is how human society and life in general works. Good person takes care of his/her animals. But we can't start to treat animals like humans, or our society will literally fall apart. Also: Mistreatment of animals IS illegal at least in North Europe regardless of species. You'll get fined and lose right to own animals, if you do so.
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  21. Meanwhile in Finland, I live by dirt road 15 miles from closest town of 3000 people and 35 miles from local central city of 20 000 people. And have 100 mbps service via fiber for 30 eur a month. Bit of socialisim isn't always a bad thing :)
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  22. To put it simply: There's too few people in Nordic countries to let any of their potential go to waste. So we have to make sure we keep everyone on board and as part of our society.
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  23. That's what I thought. Why wouldn't you have legal documents you own the place stored away somewhere? And isn't there government agency in US who keeps records like land ownership? And if you're renting... Who rents a place without signing a contract of it?
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  24.  @markpiper6382  Based on this, I think he was exactly where wanted to be in the project. Dev who did what he was told to and got paid, he can always simply go with that story to justify his part in the project.
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  25. I had no idea how massive this company is... I just thought it was some upstart company located somewhere in Nordics. I live in town of 3000 people (and about 1000 cows...) in northeast Finland, and you could get Oatly from local grocery store here...
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  26. It's been a thing in Europe for decades. I was born in 1992 in Finland and have never seen tobacco or hard liquor commercials on TV. Beer commercials used to be allowed after 22:00 or something like that, but even that was removed some decade ago. Now they've even gotten on the ridiculous end that even trucks transtporting alcohol and factories making it can't have labels of alcoholic drinks on them. So now we have non alcoholic versions being advertised with similar labels, with 0,0% tagged on them somewhere 😂
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  27.  @Sam_Guevenne  Better to live in declining economy than declining culture. And I definitely don't mean immigrants culture is in anyway worse necessarily, nor that they necessarily have a negative effect on our culture. It's simply that everything affects everything else, so larger cultural diversity leads to dilution of cultures affected. Globalism in many ways is the death of diversity, hence we need more protective and thoughtful immigration and integration. I don't see it wrong to say I want to protect the cultural sphere I was born and raised into. Everyone should the same in my opinion, as well as respect others (barring the obviously immoral and unethical aspects).
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  28.  @kakahass8845  You know why meat has been so important for human nutrition ESPECIALLY in northern parts of the world? Because you need outside nutrients, if you farm a same land for decades. Decades. Reason why farming evolved in specific parts of the world (fertile crescent, Egypt, chinese rivers), is because food brought the nutrients. So it was possible to continue inhabiting same parts of the world for centuries. We wouldn't gave any forests left, if we didn't have undedstood how farmung works. Rare people in general public understands it today.
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  29.  @Lj-er8mo  Hindsight is 20/20... How many airplane companies has gone under from initial hype? How many internet companies we're completely liquidated? Many people burned their savings in telecom and cellphone companies around 00's. Those companies you now look back and say people should have invested were rare gems you couldn't have picked out that easily from all the duds back then.
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  30.  @alexs.5871  Society can change, but we still have to abide the nature for our sustenance. It's not a choice, but necessity. When you farm a land, you use up the nutrients in the soil. There's only three ways to continue farming. 1) Leave the patch to forest (takes 80 years), and burn new forest to ground for new field. (VERY bad for environment) 2) Rotate edibles and grasses to let the fields rest, and use mined, factory produced industrial fertilizers to revitalize the growth. (Also bad, and need at least 30 % more farmland to account for resting furrows, than our current agriculture) 3) Previous,, but use otherwise useless grassfields for animal fodder, and fertilize with tbeir waste which greatly reduces, the need for industrial fertilizers destructive to environment. As a side extra, animal waste can, and is, also used to produce biofuels, before used as fertilizer. PS wild pigs are almost as destructive to environment as 17th century humans, and cows or sheep can't even survive in nature, but will die suffering and wholly disappear without being cared.
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  31. Problem is that they make normal cars so bad on road, people buy crossovers, which then makes companies think people want crossovers... It's bizarre. With almost all normal cars (Subaru excluded), they try to make them "sporty" and just make them really bad on normal roads. Then people try crossover version, that has less ground clearance and stiffer tires than your average station wagon 20 years ago, and think this is much better...
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  32. I must say I never thought theres anything odd in that desing? I remember them from when they first appeared. I was in my teens back then and just thought it referred to a line of history from cave paintings and ancient mediterranea to modern europe. I thought it as nice idea. Never knew there was a vote involved.
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  33.  @InfectAion  From an angle SBF plays, it's more like you own a house where bunch of people visit and someone murders another. If you participate in hiding what happened you'll be responsible, but if you simply don't know, it's not criminal. Obviously, if you're the one caught doing the deed, you'll be responsible regardless, and this is exactly what Coffeezilla honed in on. SBF can't wiggle out of it playing dumb, if one can prove he was the guy responsible and not just CEO out of touch what's going on.
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  34.  @PT94x  True. It never ceases to amaze my how sheepish most people are.
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  35. I see a problem here... Everything except your job and royalties require considerable liquid assets to begin with. That you can only get by working for someone else, or working towards something you can later on gain royalties.
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  36. What's really interesting is how this shows how our brain works. We know it's same letter so instinctively, our brain doesn't even register they actually look different aside another being slanted. I haven't noticed it either.
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  37. Yea. Why it's so difficult for americans to think in more than one dimension? Socialism (nor capitalism) is not a point in spectrum, they should be seen as spectrums themselves and all succesful economies ever have employed parts of both. Socialism doesn't mean nationalising all major industries. That's part of communism. Socialism is merely point of view where economy is controlled to support people more equally.
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  38. There also the truth that while analog audio has much more errors and smearing than in digital realm, those "problems" can sound comfortable and even really good. That's why analog recorded albums sound (subjectively) better and why people love vinyl even today. Guitars are perfect example of this. Electric guitars get their traditionally distinctive soundscape from poorly designed amplifier circuits, sometimes enhanced by pushing them too far to create walls of analog distortion.
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  39.  @fedegoeswoods3142  You mean like thousands of years ago when finns arrived? Sweden certainly didn't care if Sami started moving back south as long as they paid their dues for crown, like any other finnish tribes. As finns they have freedom to move wherever they want, so I don't see what is the issue?
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  40. They've been doing this since OBD wasn't even a thing. My 1996 Audi needs a diagnostic tools costing anything from 500 to thousands of euros to do basic repairs like pump timing. There is free software available, they allow to use with aftermarket cables, but that only allows to clean up error codes, and even DELIBERATELY HIDES some of the codes it can read from memory! I find no issue using cracked and illegal copies of software and hardware when the company is giving such middle-finger to people who like and use their products.
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  41. I miss the old days, when you bought something used, the manufacturers (well, their vendors) didn't care, but were open to help you. Logically assuming once you WERE looking for new product, you'd come back favoring their products due to good experience. What happened to that? Why every company seems to assume that doesn't work anymore? Is the common rule that it's 10 times easier to keep old customer, than convert a new one lost on them?
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  42. I find it sad he still had to explain it. It's so ingrained in the psyche on modern (american?) worldview that even smart, really thoughtful people like him has to reason it. Truth is it really doesn't matter how much one makes, if (s)he can afford good living it's enough. The actual amount is meaningless.
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  43.  @HaggisMuncher-69-420  Nah, trading is definitely not boring. If you're just methodically balancing your porfolio and not actively following the market, that's not trading. It's just investing.
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  44. That's what he does. He is a smart guy definitely and has wealth of knowledge of history and politics, and at least seemingly tries to be unbiased, but he is also fairly blind to his own shortcomings, ideological fallacies and bias.
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  45. To be fair to them, I kind of like their honesty. Paying 50 % back so you can a supposedly see how much they're ripping you off😂
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  46.  @Vietcongster  Why would you need to have those documents with you? If police comes knocking on your door, because someone claims you're unlawfully residing there sure you can just search the papers from your archives. If you're not home. What's the problem?
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  47. It's fundamentally a matter of perspective. To her chances are 1/3 because from her perspective there's three outcomes. It's actually a schroedingers cat type of problem, where the observer decides the outcome. She has no knowledge which monday it is so she has three options. For outside observer that we are there is only one Monday.
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  48. Blackmore IS Rainbow. Not to say Rainbow in 70's wasn't on different level from rest, with the a-list crew he had, but it was still very much his band. Light in the Black is probably my favorite of Blackmore's solos. The song is also pretty much the blueprint for power metal, over a decade before the genre came to be.
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  49. Why these Lies always have so terrible audio quality. They're really interesting but it's hard to understand if you're not native english speaker, because voices are ro muffled, mushy and/or echoy etc...
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  50.  @Odeeyu  My point is if the method is not required to finish assignment, you're teaching it wrong. If the point to teach a specific method, then assignment has to be unsolvable without it. If there is a easier way to do it for student, he/her has no incentive nor reason to learn it.
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  51. There's two things I don't understand with this whole Metaverse thing: 1) How in anyway it differs from, say Habbo Hotel etc... multiplayer online games and worlds that have existed 20 year? Except of course that there is no specific game in it, which relates to second question: 2) Why anyone, who's already invested in those would move to Metaverse? And why would aynone who's not, would want to?
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  52.  @nealokelly Lenght of metre is irrelevant. The fact that it works in powers of 10 isn't. That WAS the whole point of the system; decimalization. Back in Napoleonic France when they we're creating SI they even tried to decimalize the clock and calendar. That just didn't catch on as well as metric system did.
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  53. Truth to be told, dieselgate was only really an issue for ecofools crying about emissions. And sadly those are the people EU bows to. Being able to not choke the engine with regulation means better durability, economy and performance. It's good for car buyers just like it's good for manufacturer. It's a win/win situation. If I had bought one of those cars, I would never have allowed them to "fix" it.
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  54. I just buy DVD's. They cost pennies and I don't really care of 1080 vs. 720 when they're so much cheaper and reliable.
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  55. Well, it is very important material for a ton of modern technology. I'd say financial security is only third place at use of gold, after proper industry and luxury products.
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  56. Having a distinct sound doesn't mean you have to be repetitive. I like lot of music on this list, but definitely agree with it too. (Status Quo should have made the list too!) Listen Ramones Too Tough To Die or AC/DC's Stiff Upper Lip album for instance. Instantly recognisable sound, but there both actually did something less formulaic. Of course all bands of the list surely have a lot of songs that aren't as similar too. And like said, it doesn't matter if their music is anyway. With some artist that's the idea.
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  57.  @guyboisvert66  My biggest grievance is how so many modern albums, especially if you like metal, are mastered terribly in digital realm. Most of those records sound significantly better on LP due to necessary differences working with the limits of the medium. (And possibly because engineers know, those won't be listened on 5$ ear buds or in car stereos...?) It really has nothing to with analog vs. digital. I have few CD's, that actually do sound much better than LP versions. Mostly those are 80's CD releases.
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  58. True story: There was a neighbour of ours, who I still remember from my childhood from 2000's before he died. Back in early 1980's he left our small village in Finland to become a sailor. In his travels he had met some finnish/indians, and being the kind of person he is, he invited them to come visit him to Finland, when he gets back here. Well, in 1990's, he returned, as his mental health wasn't quite right anymore. However, the indians came to visit, and they lived in the woods nearby his farmhouse through summer, as actual indians, leaving back wherever they had come when winter came. The idea there were an actual indian camp by where I lived, if only for few months, still stuns me.
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  59. It always annoys me when hearing this type garbage lawsuits requiring donations to fight... Doesn't that completely break the whole justice system in US? If you don't have money, you're just prey for anyone who has. Here in Finland it's always expected if you win the civil case clearly, losing side pays it all. Hence you don't need piles of cash to defend yourself. Which seems to me the only way to make the system actually work?
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  60.  @anirudhpokharel1489  There's one problem. No one will buy it without a proof, and when you manage the proof, it's already late as markets have moved on. If you have perfect strategy, you use it, and technically only other way to profit would be to sell it to suckers who buy anything. For the record I'm not defending those scammers, which is what most if not all of those marketeers are, just pointing out theoretical parspective to it.
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  61. Haven't people heard of lactose-free milk? It's offered everywhere here in Finland despite most people being fine with regular milk. It doesn't taste the same, but definitely better than any plant based alternatives.
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  62. People being ery enthusiastic about any stock in general is just a red flag not to keep it. Once realism catches the stock, it'll fall.
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  63. It's interesting how americans, even you, sees Europe going far overtly liberal and left wing, when from European perspective most of politics here is controlled by very central parties, with even the far right and left in politics being somewhat centrist in their agenda. Whereas US only seems to have two large right-wing movements with minor left wing tendencies in fringes of one of them.
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  64. Or the opposite, when everything works, and management is so freaked out about security they keep breaking down perfectly working systems for no good reason. Currently companies are a gold mine for IT firms as most are still managed by boomers with absolutely no understanding for technology, so IT firms can rip them off completely freely.
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  65.  @flyerton99  Yep. You can buy and sell european options just like US (though I really don't about the markets, where?), but tgey cannot be exercised before expiry date. So, while more rigid, in a way they should be safer for many option plays?
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  66. Indeed, Patrick mentioned that Nick Leeson was never truly well investigated about his trades, until it all collapsed, even it should have been obvious something was going on. Also, Patrick omitted about Kerviels lawsuit, that he was able to get sentence of having to pay his massive losses back upturned, he DID NOT had to pay anything back. This was because initially he was making massive profits, that he worked to hide, but even with that court ruled it wasn't believable Societe Generale was unaware of risks involved due to amount of profit Kerviel was making, so they saw bank themselves partially responsible.
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  67. Yeah. I suspect that is the actual business idea of this ridiculously stupid idea.
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  68.  @TeaParty1776  It's not contradictions what you're babling about, it's compromise. In historical records, not making compromises always has ended up very badly for everyone.
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  69. Timelines when specific culture a: expands and invades half of the world b: survives for a millennia Are just boring daydreams without any realistic merit. Thing is that is never happened and is not going to happen. World is too complex. Closest thing to that was Romans, and even their culture changed vastly during centuries, and was never unifiably in control of entire area of their expansion for more that few decades at a time.
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  70. Oh my... This seems quite nuclear video. Huge respect for you for publishing this rundown!
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  71. I bought Canon ink printer 1,5 years ago. Not the cheap one, but 170 eur one. Couldn't be happier with it. No clogging, printing problem etc... Ink lasts at least twice as long as with Epsons. Picture quality for color printing is impeccable. And it can even do printable CD's, which is something I've done surprisingly often since getting it. Epsons I had previously were just garbage.
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  72.  @theshamanite  Great days for people not too gung ho on best possible quality. I've been expanding my DVD collection with piles of disc in recent years as people are selling them for cents just to get rid of them
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  73.  @any-jam4467  Naah. AC/DC has way more variety you give them credit for. It's just their hit songs are very similar which is hardly their fault as what is popular is popular. I'd also argue there's more to it than singing style, chords and formulas that differentiate sound. Every AC/DC album before Mutt Lange era sounded distinctively different. And every Mutt Lange produced album regardless of artist also sounds like Mutt Lange. I'm not big fan of the guy...
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  74.  @Glory_inthe_3rd77  It's really dumb to blame this kind of censorship to producer of the content. It's his job. People who make this kind of videos, do a lot of work in research, writing, editing etc... If they then don't get paid for the product, it's not going to work as a dayjob, which greatly reduces the amount of time available to make videos, resulting into worse content. I often wonder what do those people do for living, who complain others of being greedy for just wanting to get paid for their work?
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  75.  @kakahass8845  Yes. Nutrients are going to come back either by decades of different vegetation and animal herding, or much faster by purposeful cycling and fertilization People like you are the problem, those who don't understand a thing about farming or production in general. Only consumption.
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  76.  @Kneejair  I like driving. When you have a car you love to drive, good equipment to play rock'n'roll, commuting can even become fun. That's also a part of why don't like cities. I hate traffic
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  77. I remember back in 90's my cousin had Descent II on that blue book standard CD. It was one of coolest things I had seen. I still listen to that soundtrack. It's just so good.
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  78. "Don't want to work you want to live like a king But the big bad world doesn't owe you a thing" Eagles - Get over it
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  79.  @cleverusernamecl5532  True. If those high taxes from fuel, cars and electricity would go into infrastructure itself, I'd be fine with it, but they're grossly overtaxed considering the amount our government invests in them.
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  80. Europe EV sales jan 2021 - sep 2021 by manufacturer have Tesla at 7 % with "legacy" makers dominating with Vokswagen AG at the top at 25 %. That's not close to 20:1 but keep in mind Tesla had 10 year headstart, and old car companies have only past two years started to push their own capacity to EV. US alone doesn't justify TSLA stock price, and I have hard time believing they could grab far east markets as they can US.
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  81.  @neeljavia2965   @Neel Javia  Well, I don't know that much about far east markets, I admit that. Just expect China, Japan and Korea to push local manufacturing pretty heavily to compete there. Model Y doesn't even appear on top 20 list in Europe... Model 3 is best selling EV by wide margin, but also it's only Tesla model there. That data is easy to verify with quick Google search. I tried to post link but Youtube keeps deleting my comment so I can't? Volkswagen AG having EV under 5 different brand with multiple model each holds 25 % while Tesla has only 7 % (and doesn't make it to top 5 manufacturer list). As a brand Tesla is only 4th, behind Volkswagen, MB and BMW in sales.
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  82. Worst desing offense of modern cars is, that they're mostly fake desing: 1. Old cars had chromed bumpers, then they switched to rubber and eventually plastic, making it look like part of body, so car doesn't actually have a bumper. Then they started to add fake pieces that look like partial bumper. 2) Chrome, wood and leather in cabin and/or outside. First these went mostly away one after another, then they started to add fake plastic pieces that look like those materials. Modern car interior are infested with those hideous plastic bits faking chrome. 3) Vents. Cars used to have vents for various reasons. Japanese cars had small chrome grilles in C pillar, one hid a fuel gap, other air vent for the cabin. If you have vent in 21st car, 9/10 times it's plastic piece with no purpose whatsoever. 4) Headlights. There are absolutely no reason to make their such a ridiculously massive, with complicated and weird shapes. They often look like fungi creeping over the cars face. So much of modern cars desing is cheap and fake, making the whole car feel fake and pretentious trinket. I have 2008 Kia Sportage mk II. One of the finest things about it is, there isn't anything pointless, or unnecessary in it. It's sturdy and solid, and while being cheap, it doesn't feel like that because it doesn't have a hundreds of cheap plastic bits and doohickeys over everywhere. Unlike mk3 Sportage for instance.
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  83. You forgot to mention biggest problem in euro: When the value of currency won't float with nations economy, wages has to. Otherwise competing in global economy becomes impossible. Thus far we've managed to keep heads barely above water by pushing efficiency and cutting down expenses, ie. amount of workers, and R&D. While reduced costs (and quality!) of import goods have kept the people happy. It's going to an end. There's is no way around it; as the push for lower wages continues, and imports aren't getting any cheaper, in fact problems with components already have made EU acknowledge they need to push their own industry for them, and the government debt is exploding in Europe... It's clear eurozone is going to implode within 5-10 years. If not for economic reasons, then because people aren't going to accept rising costs living and rising levels of unemployment while wages keep falling. Why do you think nationalist movements are so popular in Europe these days? It's not because immigration, it's because people don't feel they are in control of their country anymore, and that has everything to do with open economic policies of Europe only nationalists critize.
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  84.  @fedegoeswoods3142  So what are we doing wrong about it?
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  85. There is this video in youtube of Warren Buffet going through top 10 mistakes investors make or similar where he says the same. Brilliant stuff. I always thought the guy to be more of a meme and a buffoon (like our own Björn Wahlroos here in Finland), but I was completely wrong. Really smart and wise professional to listen to.
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  86. Yeah. It's easy to feel disgusted by the cuthroat business practices that he uses, but when the businessess he handles are publicly traded companies selling ridiculous luxury and fashion to a fools with too much money, it kind of makes it okay.
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  87.  @cventer838  No product is more hilarious to me than the 1400 $ Yves saint Laurent boombox. It's literally a 200 $ piece of crap from China you can order with whatever branding you want but it's official YSL product just painted beige and their logo slapped on it.
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  88. And top rates are rather pointless in general. It hardly matters in big picture if it's 40 % or 55 % if it only affects 1 %. You should chart the overall taxation in different levels of income to get real picture. There's brilliant video on thi in Money & Macro channel where they compare Netherlands and US from middling income perspective. And the taxes in US. More I learn, more I realize how small these differences actually are world wide. There's difference yes. But it's more like US citizen can perhaps drive a 5 year newer car than me in Finland, because of taxation. Not like they have a bank and investment accounts three times of what I have.
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  89. Reminds of this finnish band who started out in 1976-77. They we're big fans of classic rock bands like The Who, CCR etc... in the middle of punk craze (and not very good musicians at the time.) So they made their first album as a one-off parody of current punk scene, which turned to become huge success and since they've been thought as the grandfathers of finnish punk scene... Despite moving to more AOR sound shortly after that first album
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  90. But it would allow you too seesaw it: Sell the one that benefits on high and buy the falling one and vice versa. Predicting the interest rates year or few forwarrd is close to impossible anyway, so that way you get the best of both.
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  91. Being finnish I completely missed that gin = jenny. Those words sound nothing alike! So I thought this to be a story of an alcoholic drink distilled from cotton seed and got super excited...
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  92.  @weird-guy  When the regulation is making the product worse, and bypassing it makes the resulting product better for the consumer? Yes, I appreciate that. Sure it was bad for their business, but it also shows their dedication to the craft. They took a risk in behalf of their clients in this case, and they got burned. That was the only negative aspect of it. That they got caught. I wonder how many people in EU are currently driving vehicles they've illegally modified, because the overzealous regulatory systems have started to cause problems in their almost new vehicles. My -96 Audi has none of those troubles. Now has 630 000 in meter and counting.
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  93. ​ @aaronlarue7987  She did also say she started out with 200 dollars and now has 29000 in it 😅
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  94. It's like everyone in finance space is saying you should just hold through hard times and buy the dip, because stocks will always get back to upwards trajectory... Then when market slides downwards, more and more shares go out for sale. I think it's just funny.
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  95. Hmm... About Sweden gaining upperhand without Hapsburgs having spanish empire. If their continental holdings had lasted in some... Would that mean Axis had won... Or crushed earlier... Any way, Sweden wouldn't had the privilege of staying out of the war, playing both sides had they had stronger ties to continental europe.
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  96.  @LFRAS94  What I thought too. Not using credit has nothing to do with minimalism, It's just sensible.
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  97. Very smart words.
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  98.  @ctw10wilso  Personally. I'd say because it's fun. If I can beat inflation by trading that's just a bonus. Not to mention accually making money
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  99. I've always wondered how it is possible there's so massive amount of research globally done, and it always seems to bring some meaningful results. Common sense tells we should be far ahead in technology by now with all that ground breaking research published all the time. Well. Now I know.
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  100. It really sounds strange for people make 70000 or so in a year in US, where costs of living (aside) housing are generally much lower, saying it's "just enough". I'm finnish engineer and make 45000 euros a year (roughly 50000 usd) with bachelors degree. It's slightly above median salary here, but everything costs much more and taxes are way higher. Of course I only have 2500 eur (3000 usd) student loan, and in countryside have inexpesive (yet big) house, but still.
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  101.  @Radbrad869 Well, after taxes I'm left with 2600 eur/month. Pay 500 eur mortgage, drive also about 100 miles for work. Diesel costs here 1,7 eur/liter (7,5 usd/gallon if I count right). I'm surprised how expensive electricity is there... Always though it was more expensive in Finland but I pay around 22 US cents/kilowatt. Past year I have managed to save around 500 eur/month, with all to other expenses. Last year I dried up my savings completely bying this house, and doing renovation.
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  102. I feel your pain. It's common in Finland too. You usually can get proper milk for coffee from places that have buffet lunch, from meal drinks line.
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  103. Audi/VAG and further developed Volvo inline 5's were the best engines ever made and it was really a misstep for VAG to cease use them. Really simple to fix, reliable to boot and upgradebla to a power levels no other basic VAG engines can take.
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  104. I've always thought Friar Tuck and King Richard with the respective elements don't really fit the overall story of Robin Hood. Now I know why.
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  105. My favorite stocks are the few that work for both. If short term fails, you know you can count on the company to pay up long term, so I just switch the label :D
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  106. I have been interested in stocks as long as I remember. Still I only started investing in january 2021 when I was 28: In 2008 crash I was still student with no money to invest. What I got then went to cars, beer & rocknroll. After finishing university and working through 2016 I finally actually had money to invest, but it seemed ludicrously dumb on that upswing... Eventually covid came, but I "knew" the first dip was just the beginning of the real crash I had been waiting since 2010. Well, my nerves ended in january, deciding the world is just insane and people clueless, and went to the market. My portfolio is +75% up currently so seems like a good call...
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  107. What people defending the low taxation and "pay for what you need" don't get is, that they are actually defending big companies making ton of money from general public who really don't have a choice: It's either that you pay heavily for healthcare when you need it, or you pay for insurance: First case your money goes to company providing healthcare service, second case it goes to insurance company. Companies are in it for profit so they take healty cut of 20 - 30 % for themselves. Add in much higher wages for doctors and finance sector in US, that then flows to pay student loans, financing banking sector and universities, and you see the bigger picture. Meanwhile in system like in Nordic countries government collects taxes, funds the healthcare system that is there to provide service, not to make profit, and can rely on cheaper, yet well educated workforce, that even with higher taxes live comfortably as they're not pushed down by massive loans from their education. There is much more money going around in US system, and it's viable argument that it's good for economy, but that's complex and controversial topic of it's own. Point is, in government run healthcare and education is much cheaper to provide, as well as being cheap for people to use.
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  108.  @constantineergius1626  It's just bad luck. Smartest kid of the class I graduated died of cancer when she was around 22. Had they lived in US, her family would have not just lost their child, who by all means should have had brilliant future ahead, they would also had been broke with medical bills.
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  109.  @johnsutcliffe3209  True. Except Land Rover Defender probably. Only seen them really in car buffs collection and in military. Drove them in military and it was by far the worst car I ve ever had to use. Considering the price I seriously question why would anyone would want one over any other off-road capable vehicle.
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  110. It seems very unlikely they would have gone to iceland or faroe not to mention greenland. Firstly, typical way of sailing in ancient times was to stay within view of continent. Straying in the sea with vessels and navigation of the time could easily turn deadly. Secondly they had no idea how big open sea could be and needed resupplies. They wouldn't go to far there. Based on the historical segments here I'd say the route was from France to around britain and Ireland (isle with tin, and the fact there are similarities with celtic languages around area and ancient semitic to suggest Ireland actually might have been source of tin for some entities of bronze age, and it would have been vaguely known). Then across east Caledonia towards denmark, Germany and Baltics. Hence the surprisingly mild climate as well as "grain, honey and mead) It doesn't sound like northern Norway and rest of places north of Britain we're lightly populated or not at all. Midnight sun, no sun at all, earth, air and water mixing up (ice and snow at sea) all could easily describe winter in north from Gulf of Bothnia, where they would meet sami people. Then they would naturally turn south continuing to sail and could have determined it was the far end of the world. Unless they continued along Norwegian coast. Not mentioning fjords and mountains seems odd omission if they did?
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  111. Heh. I wonder why so many ripped movies I downloaded in early 2000's were DIVX? It was never a thing here in Finland, so I just assumed it was some common data format for ripped and compressed DVD's. Only from this video I now heard it actually was some physical format. Weird...
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  112.  @tyronejones4245  You do need a law to have right to join union, in a way that without that law companies could simply make sure their employees won't join them, either by cutting wage, firing, or just refusing to hire union workers.
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  113. Wow... This exploded while I was asleep... What I mean by rational decision isn't "Less welfare or more taxes". That is on it's own pointless argument. Important things are like what/who is taxed, how, and where the money goes, how the welfare is coordinated, distributed, and what type of welfare we're specifically talking et cetera... There are countless specifics that get muddled when people base their opinions on values rather than rationale. Rational decision is when you weight all the things you care about, how you want these things to realise in the future in which manner, and how is this accomplished. Then you can make rational decision to vote party whose standing gets closest to your own preferences. BTW I'm most definitely not against democracy. Problem is with people who abuse it or don't care enough to value the power it gives to them. That's most of politicians and voters alike.
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  114.  @drno87  No. That's exactly the wrong way to do politics. You don't choose what is more important. You balance things based on specific issues and possible solutions. For instance you absolutely should not reason that group is more important than individual or vice versa: We have historical proof how either one leads to very bad things.
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  115. I just read about Jerome Kerviel. I think he does deserve a mention on this channel: Guy worked in Societe Generale in France, in "Delta One" that was supposed to trade derivatives to follow underlying assets. He made 1,5 billion of profits yoloing banks money in the 2008 crisis and devised ghost trades so it only seemed he was making tens of millions (because, you know, he shouldn't have made more...) Then followed to yolo all those profits, until bank ended up losing 5 billion winding out the trades when he got caught. He become popular public figure in France regarded as guy who "showed at the scheming bankers", 2014 he made 1500 km walk to visit the pope to protest against "tyranny of the markets". In the end, he managed to win his employer in the court, got only 110 days in jail and got paid 450 000 euros of unpaid bonuses.
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  116. Because 90% of people are selfish idiots, who can't understand anything beyond their own interests.
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  117. And Jaguar!
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  118. That's not plot hole. It's a sly twist in the plot.
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  119.  Jeff Whitman  I was referring to this CNBC video... They literally said "Socialism means nationalizing all major industries." I honestly expected much more from them. Nevertheless, that kind of rhetoric seems to be overarching theme is US politics from Trump to major networks like opposing him... And it's utterly stupid.
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  120.  @_Jake.From.Statefarm_  You have to acknowledge few facts when you say people would have gotten more 40 years ago for their wage: 1) Land prices: As people move to urban areas, price to build rises with demand. 40 years ago land on many modern suburbs was close to worthless. 2) Housing prices follow cheap loans, that allow people to buy overpriced houses. 40 years ago houses cost far less, BUT you paid a huge interest. Imagine paying 15 - 25 % interest on your mortgage... Housing prices should skyrocket to accommodate that. 3) Because of 2 point, houses used to be bought for living. Only the collapse on intedest allowed the modern speculative housing market, that is going to crash again. 4) Technological advancement means people have MUCH more expenses in 21st century than before. Think modern cars, computers, phones, house electronics et cetera. And if you compare wages, they've risen too. Not to mention overall wealth of people. Colour television and VCR used to be expensive high tech. Now almost everyone has 90's super computer in pocket connected to almost entire world
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  121.  @_Jake.From.Statefarm_  I'm not 100 % sure sure how it is in US, but here insurance prices have dropped massively, mainly due to foreign companies entering the market. Right now all my insurances cost around 1300 eur a year. Same contracts would have cost at least equivalent of 2500 -3500 eur 20 year ago. Vehicles have been and still are massively expensive new here. But I drive 25 year old car that cost me 2000 eur, and it's far, far better than any new car would have been 40 years ago. Healthcare I can't say anything about. Here we pay taxes for that, which have been on the rise. And sure wages have stagnated for the past 20 years. BUT there's very obvious, very easy way to check how well we are today. Ask people 30-40 years older how things were. My father was born in house with no electricity or plumbing, and it wasn't because they we're poor, infrastructure simply wasn't yet there. Of course it's all relative. It's different in different places and time. Truth is our generation is going to be poorer than previous, and it's mainly, because we're smaller in numbers. There's no helping in that, unless entire economic structure, which it almost has to...
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  122.  @_Jake.From.Statefarm_  Cars are so expensive here, that it's really just well off elderly people, or people who make way above median who buy them new. So standard cars here are Corollas, Kias, Dacias, or Volvos, Audi, Mercedes etc... Cheaper Japan or Korean cars are close to 30000 usd, whereas Ford pickup would be on par with Audis and Mercedes in 45 000 to 50000 usd. Anyway there's not much point buying cars new since their value plummets hideously within first two years.
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  123. Meaning, I really can't understand why anyone who cares about the price would buy a new car anyway.
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  124. Hint to people complaining of police brutality: Don't act like apes.
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  125.  @theultimatesagavan6287  I made absolutely no mention about race.
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  126.  @kakahass8845  Yes. You're exactly right. That's why we need domestication: To speed up the farming rotation, increase available farmland to places otherwise inhospitable areas, and to aid in sustenance by transforming non edible vegetation into meat.
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  127.  @jeffreyhill1011  Congratulations! Kind what I would do if I got enough money for. Just build own place, fix cheap rusty old cars to drive and 60' to 80's hifi and music equipment to play at home. It's time I need for my hobbies, not money.
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  128. As finnish I had to respond and kill your dreams: 6 hours/day work was just a throw away line our young social democrat Prime minister with no basis on actual politics. There's really no real plans for such thing. He also messed up to sliding work hours. Yes, many office jobs does have such thing, but you really oftenhave to be in reach by phone at least, if you decide to come later or leave early, as 8-16 office hours are still pretty much given standard for most. Most jobs are 8-16 though, where as industry, security and healthcare, plus stores, that are open late have 2-4 shift working hours. Night shift is usually 1-1,5 hours longer than day shift
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  129. It's obviously all about what you NEED the math for. If you're building a house, the way calculate that every corner is right is completely irrelevant, as long as you know you did it correctly and they're straight. If you're economist, it doesn't matter what numbers and how you crush them as long as your results tell you what you need to know and you can trust them. Of course if you're aiming to be professor in science or something, the method matters much more. But people who aim for that know it, and don't really need others to tell them. Personally I got through my education with almos top math score, and I basically just invented the way I did my math, rather than learning step by step how we were taught.
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  130. There's good and there's bad in everything. Worker's unions really are only as good as people chosen to represent workers in them and in a way, larger those are better for everyone, as it makes them much less radical, even though more influential. Most workers acknowledge that it's very important to keep the industry competitive. But some don't and they can grind the industries down in the long run. Then there's the industrys side where they often do acknowledge the workers rights and are agreeable, but other times simply want to push whatever they can, and break unions, because they feel it's holding back their capacity. In general, the biggest issue is when they just can't cooperate. That's when industry truly starts to fall. Biggest culprits, aside headstrong and overly proud representatives of either side, would be politicians and media who just can't take objective side, and keep fueling the argument rather than seeking solutions. When they step in, it locks down the negotiation, when either side can't just give in a hair, because they fear they get the blame for any negative outcomes (never mind any positive they might succeed in. That doesn't sell).
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  131.  @deven9941  I always complain about that: People looking at nominal GDP figures and trying to explain something. Country that has 10 million people doesn't need nearly as high GDP to be as rich as country of 100 million. After all, it's about total production, so if we assume it's distributed evenly, with same amount of GDP citizens of former in theory should have access to 10 times the wealth of latter country. Of course it's not perfectly straightforward, and distribution of wealth adds another huge point to the matter, but still, GDP per capita is really the one number that matter aside GIN. Not nominal GDP, which is more about nations theoretical production power, not wealth of it's people.
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  132. US investors seem to be quite blind to the rest of the world: Only way for Tesla to meet any of numbers presented to make it as valuable as predicted would be to them to dominate the EV market. Meanwhile, there's huge push towards EV's in EU, and all manufacturers are taking measures towards it. There simply isn't that big untapped market for Tesla in Europe than people believe. And it will he only?shrinking in future. You think french and german manufacturers, not to mention politicians, just allow one US company to control the market? Meanwhile Asia do their own thing with their own manufacturer's. Ford had to give up India with massive losses in their back. Only VAG and Daimler seem to have any proper foothold in China, which really isn't a good sign for Tesla either, and japanese and koreans have their own car industry they are not going to just let fall behind imports.
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  133.  @OmegaTou  Well, not really. Companies that have solid profitable assets, they use to produce things that sell regardless of economy. Stores that sell consumables, forest andnagriculture etc.. Those will have value. And my personal favourite: Brewery. Problem is, many of those are pretty high as it is due pandemic panic, so I'm stilling sitting on my portfolio. (Feel free to laugh at me if I'm wrong, but there's no hurry yet to start fortifying)
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  134.  @OmegaTou  BTW. I won't be touching gold or silver anytime soon as those are currently way too high. Except the one mining company at the brink of collapse I've been screening past year. If they survive and price stays where it is now, there might be an overreaction to win big.
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  135. Bolt, you're smart guy.
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  136. ​ @boneleg6952 Kind of true. But the real culprits for the whole slide towards this mess of division and antagonism is the media companies and journalists. Right or left, it doesn't really matter. Everything has to sound and seem as ugly and controversial as possible to get the readers attention. It's sickening and unethical most of the time.
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  137.  @anonnymous31  Maybe a little hyperbole, but it's absolutely true. Most newspapers and media with their staff are quite heavily biased towards liberal left wing politics.
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  138.  @nealokelly  Read about Napoleonic university, it's all there in history books. What you mean by "ergonomic"? A one metre measuring stick is perfect to carry around. If you go shorter, you need too many measurements for longer items, like for tree trunk or a house. Longer would be unwieldy.
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  139. Oh. And obviously 3,5 mm jack. I've so used to having it didn't even thought to mention that... Music through bluetooth sounds crap.
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  140.  @zaydansari4408  VAT and other sales taxes indeed are regressive as you said. Politicians and economists linked to taxation often just don't want to talk about it at all, preferring to focus on income taxes, because it makes so much revenue. Trying move that taxation towards income or capital tax would be political suicide. When you combine it to capital tax, which isn't progressive really here in Finland at least (There's one step where it rises to 33% from 31%...) and add in the tax deductions of income tax, it becomes much more flatter. Probably even regressive.
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  141. Ever since 2008 I waited for collapse of global economy... Well, I gave that up in january, thinking screw it, and went to stock market. Was definitely a good decision... Depending on how things go in 2022, I may jump out in february, and just trade carefully, what I dare. Well see what comes.
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  142. Nokia never figured out how their users would actually use their phones. I don't know that much about their high end, as I didn't had money nor incentive for such phones back then, but their middle and low end, (after the days of monochrome screens that is. In those days they were the best!) were all pretty useless one-size fits all devices, with terrible OS. I always wanted to stick with Nokia, but they didn't any model that could have held up in forest work I did back then (since 5100, which had those crappy screens that broke down within couple of years). 6110 navigator was also pretty great but had terrible keys (another sin of almost every Nokia phone since moving to larger screens) and was really hard to balance in your hand with it's heavy top and square shape. They never also never got Symbian to work smoothly, so I understand the reasoning for jumping to MS. They should have went with Android, but no one could have known it to become that succesful back then.
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  143.  @suddenllybah  Ah. Makes sense! I've only heard it called Jenny so that connection was lost.
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  144.  @jaynestag95  That'a just life. You'd still be less happy if you we're also homeless and/or hungry.
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  145.  @weird-guy  I was going to comment something condescending about you clearly missing what I was saying, but I have no idea what you mean with that either, so I guess we have to agree to disagree here. Or maybe agree, I don't know. Personally I'm not going to exhange my car any time soon. It's the last model with the last truly great engine VAG did, 2,5 liter, 5 inline TDI. Some people in the know say 3,0 liter V6 TDI was still great engine. I'm not that sure, as it does seem quite overcomplicated and overengineered to me. But I don't have personal experience with that, so I hope I'm wrong and there still at least that option to upgrade if some day in the future commuting with 90's vehicle becomes impossible to continue. Parts supplies tend to dry out over time.
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  146. Thank you. It now makes perfect sense. I couldn't wrap my head around how this could logically work. But of course since everyone starts at different fixed number, it turns the system from randomized lottery into a systematic search through all different possibilities. It removes the random redundancies from each persons search and thus result in massive increase in efficiency.
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  147. That is already the greatest book title I've ever read. If I'd randomly seen that and it was on the front cover I'd 100 % would have bought it.
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  148.  @qijingfan5656  This is entertainment and news. And great as such. Really any "advice" you probably get from Coffeezilla is just common sense. You should know well enough already.
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  149. I'm confused what was your actual business model? Why would people mail order coffee to brew, when they can pick it up from grocery store along with all other groceries?
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  150. SBF? That is a simple abbeviation. I think that's just taking it ridiculously out of proportion. It just simpler and faster to write. If there was any "flattering connotations" to it (which I really never thought there was.) It's gone now with the fraud coming public knowledge. If it was actual "stage name", like with Tsomething69's case, that would obviously been different. But SBF is just shorthand of his real name. People do that all the time. I don't see how it would be flattering in any way?
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  151. Yes there is: For me enough money is when I can spend my time working on my own forest property, fixing my cars and equipment, maintaining house and have still enough money left to buy food. Around 1 million should be enough to get there. Question is, how to get that?
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  152. I used to have 2012 Motorola Droid 4 all the way to 2019 when they started they cut back 3G and I had to replace it with 4G capable phone (Motorola was 4G but not compatible with bandwitdh used in Europe) Was the best phone I've ever had. I miss that proper qwerty keyboard, and very neat and sleek form you could comfortably keep in normal pocket.
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  153. The actual tragedy in this whole thing is that when it comes to real practical issues, this current goverments program is best I've seen in a decade or two. All the controversy stems from admittedly rather stupid and confrontational use of social media outlets and media by many Finns party members in the past, that now very left leaning and mainly liberal media, as well as obviously political opposition, loves to dig up. Personally, I don't care. Just hope they could get things sorted out inside the government and let the opposition whine.
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  154. Ehm... Nokia
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  155. I had to check before saying it. But Nokia has more patents on 5G than Huawei. 4000 vs. Huaweis 3000.
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  156. I've been in Spain, Czech, Sweden, and must say I've never had much problem with customer service in restaurants or hotels. Only that in Spain they tend to be way too chatty and pretentiously friendly. As a Finn I'm just happy when they bring the menu and my order in correctly and reasonable time.
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  157. It strange, since here in Europe that war has been pretty well covered in news every now and then. Ruandan genocide part of it especially.
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  158. It's obvious, I don't why people don't connect it: You need bulls to raise cattle. Bulls are traditionally auctioned in the actual bull market. Better your bulls are, better your cattle becomes so they fetch higher price at the auction. Bears kill cattle. They reduce farmers herds and such are... Well you get it.
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  159.  @HH-le1vi  She said literally she started with 200 dollars. So she bought one share. When that video came out she had 29000 dollars in Tesla. We don't know when she has bought rest so, maybe she has made a killing, or maybe she bought it high and is severly down. We don't know.
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  160. @James SS I have bluetooth connectivity in my 1997 Audi... Many in if not most retrofit car stereos have it and even "premium model" ones can be had for 100 €.
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  161.  @TheNewGreenIsBlue   @TheNewGreenIsBlue  I honestly don't understand this logic you apply to count imperial units: Divisions by quarter, 6,12,3 divisions, 9'er...what? I've seen it before and it's obvious, when people think in imperial units, they think them in VERY different way than people who use metric. I really didn't understand how you we're counting the table leg lenghts. Or what was the point there. In metric it's simple math: If I need 3 pieces of 74 cm legs. That's 3*74 = 222 cm or 2,22 m Or If I have 5,24 m long piece of wood, I can get 524/74 = 6 legs and have 6 cm piece left over. It's very easy to calculate in your head. With inches you always have to use decimals or fractions, but with metric you just move the decimal to keep it always in integers. We don't think centimetre, desimetre or kilometre as different units. It's just a factor used to shorten and ease the calculations.
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  162. @a basketboy And this seems to be about the same logic: The unit of lenght is metre. We don't think any of those hecto-, kilo-, centi-, deca-, deci- etc... as different units. It just means factor of 100, 1000, 1/100, 10 and 1/10. You don't need to convert them. You know instinctively how many centilitre you have in litre. (If this wasn't obvious) And converting lenght to area is just math. Which is easier to calculate in powers of 10.
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  163. My grandfather drove taxi. He read car magazines and bought his new Mercedes via phone call back in the 80's. Dealer would have driven it to him for a fee, but he wanted to go pick it up from a ship brand new by himself. I think Carvana is one of these firms where only real invention they've made is to market the "internet" side of existing business model. There 's nothing unique or or even special in what they do.
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  164. Actually I think that good be really interesting... That would simply meannwe'd have numerous smaller networks all over globe. After all, the technology isn't that complex to create, when you have enough computers around.
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  165. Oh, yes. Mississippi queen has to be the heaviest sound from guitars I've heard all new metal bands included :D
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  166.  @lukasmolcic5143  That's hardly comparable. I like junk food, alcohol and smoking cigars, because I value the enjoyment more, than possible health issues. Clickbait titles have no value to anyone except the one baiting the audience. That's why people hate them.
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  167. Awesum bear has the point, why renting can be better. But maintenance, taxes and interest you have to pay anyway: If you rent, your landlord is going to count them in your rent.
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  168.  @Kolket1389  Yea. It's ridiculous. It's OS. It's job is exactly the same as Win 95 had. To handle the GUI and bridging of software and hardware. There is absolutely zero reason for modern operating systems to be so massive and bloated as they are today. Their job is exactly the same.
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  169. Not necessarily. You just need to be very aware of what to buy and with what price. Buying too high, and following trend is the number 1 caveat that make people fail in quick trading. You have to go ahead the trend and make sure you DON'T PAY TOO MUCH for the stock to make quick profits. Sometimes that means not trading for months because there's no stocks available with price that you could make a profit. I have made +70% this year by fast trading, so it can be done. Just be smart and follow the stock market news closely.
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  170. They're still in everyday use in military in Nordics. I did my service 2012 and was in maintenance, so we had all sorts of equipment and electricity available in the woods, but most infantry doesn't for obvious practical and tactical reasons.
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  171.  @Somethingfunny5161  Resigned in shame? I never heard about that and reading through anout it, there only that alleged sex scandal, which was settled in court in his favor. Mosley was very important figure through history of F1, and even car industry in general. Respect to the man. We should never reflect actions of any family members to an individual.
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  172.  @hulkmeister23  Because viruses are that simple (and mostly harmless), anything that would simply kill a virus, would just kill any living organism as well. We only care for dangerous viruses, and vaccines and medicine against them work by targeting specific protein constructs those viruses carry. There is no unique trait that could be specifically targeted among even the most same species of viruses.
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  173.  @cat11112222  True on both cases. Except it's not college degree, but of university of applied sciences. I don't know how the payments for US student loans go. They sound crazy expensive, but how big portion of income it takes in practice is another thing. Being able to save 800$ monthly sounds pretty good though. Housing is expensive in central areas here too. But do you really need to live in expensive neighbourhood is another. Maybe population density high enough that you have to. I like to hear how life is elsewhere. That's why I chat here. I commute around 2 hours a day, because I live in the middle of woods. I actually like that.
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  174. Then again, if you like milk, you can adjust your diet accordingly. That's why people have drank it for millenias, since "balanced diet" hasn't really been a option for 99'9 % of people before refrigeration.
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  175. In all fairness, the healthcare in US is probably the top of the world... For those who can afford it. I rather take affordable basic surgeries however. But it's a worth pointing out. Here in Finland we do have many rising and running healthcare companies, but guess what? Their main focus is on US and central european markets. Obviously because populace in Finland is small, but also because state run healthcare has limited budget that can't make huge investments to latest tech, so those companies mainly run on investors money who hope to make profit from exports down the line. Similarly, while healthcare is very affordable, it's also on the brink of collapsing while populace is aging: Currently healthcare and social security comprise about half of entire state budget of Finland.
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  176. If you research english history, about 90% of it are kings wrestling with parliament trying to finance the nation, and constant wars. Recession was VERY common phenomena among nobility, rest of people didn't own anything it couldn't possibly affect them
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  177.  @A_B_1917  Industrialization ended the famines. Communist governments did oversee the industrialization that did it, causing largest famine in recorded history of those said nations, that didn't need to happen. As proven by every other industrialised nation.
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  178. Crypto stablecoins are pegged to US treasury bonds? So they're really just 21st century version of South Sea Company... Who says hostory does not repeat?
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  179. ​ @seneca983 Anyone can accuse anyone about anything. Proven false it shouldn't be an issue, but when it is brought up constantly, it's accused who becomes the real victim.
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  180.  @RellikReyalp  Indeed. Same in Finland. Lawsuits against companies firing their employee without proper reason have good track record, so system does work. Basically incompetence, fraudulence, or just having no need for the job anymore only can be a reason for firing. And in the last case, if company is hiring people, they are obligated to offer it for a person most recently laid off.
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  181.  @NinjaBrutality  No. They're servants of Manwe
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  182. This is pretty stupid discussion anyway: How are you going to FLY unnoticed into a that well guarded territory. That has the huge guard tower and the fell beasts etc... You don't need any fantasy logic to realize they would be noticed and killed right away.
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  183. 1: Proper soldiers just don't randomly shoot suspectible things. 2: If the plans really were there, and they shot the vessel. Whose going to tell Vader "We suspected plans were there, so we destroyed the thing" That's why they want the plans back. They know rebels wouldn't yet have managed to copy it, so if they retrieve it, they would know them secured
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  184. That's just being human. I think it actually adds whole lot of depht to the otherwise pretty run of the mill romance plot.
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  185. To be honest, those compartments look brilliant for storing gloves. Living in Finland, you want them always in your car, and they're always rolling around floors, or disappearing between/under seats
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  186. Exactly!
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  187.  @LockeWick  Not necessarily. Magic is kind of catch all term for everything not explainable by our knowledge (If you like metal music, check out Tarot - Magic and technology, it's rare example that deals with the topic) Also Robert Jordans Wheel of Time books has one of the finest depiction of magic in my opinion. It is built around entire philosophy of existence: In a world that is created as being at the same time history, and future, of the world we live in. Everything is made from viewpoint of the characters, so there is no definitive "facts" on how the world in the books works. Maybe there is magic, that derives from the existence itself, that in the point of time we live in has been forgotten and disappeared. Or maybe the characters in the books live in time, where remnants of high technology of previous eras still exists in a form of magical aspects of the world. In any case the world itself is one of the most crafted ever in fantasy. And Amazon is releasing a series that should come out this year... Hope it turns out at least somewhat good... There's jusst too much to cover well in the books, but lest not judge beforehand...
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  188. And another point: What if there wasn't any magic in the world of Game of Thrones? I mean: first season came pretty close, and I would still classify it as fantasy series. It's just that we're so accustomed to Tolkiens legacy (and of course everything that inspired him), that we think it is what define fantasy rather than accepting them as cliches..
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  189. It's not really a cliffhanger when tere is entire book series to continue the story, and film series just ended on first, because it was crappy adaptation...
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  190.  @mikitz  I wouldn't say "dwarfed"... We do have quite large industry sector, but it's mostly b2b, so not as "media-friendly" Shipping industry (incl. container handling), manufacturing machinery, close of largest producers of elevators and forest machinery in the world, mining equipment... to name a few.
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  191. Btw. I'm aware that word "socialism" does have pretty different meaning in US english than in Europe so it isn't just politics, but I still think it's wrong. There doesn't seem to he anything in between, which I guess is reason for inventing this term "democratic socialism", which honestly sounds like something Kim Jong Un would advocate... I'm really somewhat unclear what it is supposed to be. They're just mixing up economic policies and politics in rhetoric without any clear point to what end? But I think it's probably better than what you have know?
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  192.  @B727X  I have no idea what is your point?
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  193. That's Sony's side of the digital audio, and subsequently CD project, where they partnered with Philips, who where forerunning the optical disc side. U-matic was Sony format and they also produced 16-bit digital decoders. Meanwhile Philips had been working with 14-bit digital audio they were planning for the CD as well, but Sony vetoed it. That's why old Philips CD players proudly proclaim 4x oversampling, as they only had 14-bit DACs and had to accommodate them for 16-bit CD audio.
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  194. Wait... Beads were used as money due to shortage of coinage in american colonies. Doesn't this technically mean, colonists weren't buying indian land for beads to fool them, like we see in popular history, but trading actual money they expect to lose value in the future to real estate they expect to rise in value?
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  195. Why? How?
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  196. This may be the best way I've ever seen to simply sum up whole buy and hold long term strategy.
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  197. Actually wouldn't the fact stock only crashed a year back. To 2019. Promote selling the stock? It's not big setback, but there certainly was risk of losing much more, vs. Chance of buying back low priced stock. I haven't taken any research, would that made more profit. I don't think that precise history analysis makes much sense looking forward. Personally, I wholly expected much bigger recession, and thus only started buying in january 2021, when economy started properly looking to recover.
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  198. Have to comment that that dead pan picture of you heart Excel is excellent. I love Excel too. It's pretty much the greatest thing invented for computers since 1990
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  199.  @johnl.7754  It exists. It's called Heathenry. And apparently much larger movement than you'd think.
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  200.  @Grubiantoll  Yep. Secret to get huge returns is to just gamble big and never sell. If you actually do sell, and manage not to lose it just by trying once more, all the respect to you!
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  201. There's two reasons why vinyl records sound better than CDs: 1) Physical limitations of vinyl require specific mastering, that just sounds better (of course this is completely subjective.) 2) Usually they're mastered much better than CD's. I have few 80's that sound brilliant, but most of them even today are pretty awful. It's just how record companies do it... (And no, records don't sound "scratchy" or "compressed" unless you have crappy equipment or bad record.)
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  202.  @pilotavery  Could yes. But fact is most commercial CD's sound worse than their LP versions. Like I said, I have few CD's than sound better than same album on LP, but they're rare gems. And like I said, with good equipment and proper setup the noise floor of LP's isn't issue at all.
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  203.  @pilotavery  Nah. I have good equipment and I like CD's. I buy them regularly. Often the time LP version just sounds better. I don't know how much CD's you listen, but do think they are mastered well these days? Most of music I listen just isn't: They're compressed to flatly loud, with really scooped sound and lack high end definition. I do have really badly produced LP's too, but usually they're done better.
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  204.  @christianabsalonperez8451  But with so many companies out there, you can find almost any flavor you want. Why not to just pick ones that are both: Can have legitimate chances to grow, and are inexpensive, because in current hype, there's no money pushed to these less sexy old companies just doing their business. When you buy real "growth companies", you either overpay for the stock, or gamble with your money. There's no helping it. And for real "value stocks", there is not much to win either, because every John Doe is putting their hard earned money in safe there.
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  205. To answer your question in 11:54, yes I think you have pixelated the image by placing the grid in front of it. If pixel is considered to be "picture element", then from the perspective of the viewer each hole in the picture is element of the picture, thus picture element, thus pixel. Yea. I get pixel also means specific part of electronic component you focus in here, but that is the point of argument you seem to ignore: If we talk about pixel purely as a concept, the viewpoint changes the definition.
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  206. Hey, just out of interest, have you looked into Thodex crypto exhange in any of your past videos, or plan to cover any of it in the future? I recall reading, or hearing about it back when it fell. News came today that it's founder, turkish Faruk Fatih Özer has been sentenced with 11 196 years in prison.
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  207. The way restaurant workers are paid in US is disgusting. Period.
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  208.  @ajspice  Yes, actually we do drive a lot more than most europeans. 15-40 min drive to work is pretty typical. Finnish population density in only half of USA (18 vs. 36), as we're just 5,5 million people in an area same size of UK, which has 68 million people. Because of this, public transport outside 3 largest cities in Finland is also very poor to nonexistent, unlike in most of Europe.
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  209. 40 years of life expectancy doesn't really mean there wasn't elderly people around... Biggest impact on the rise of life expectancy has actually been greatly fallen rate of child death
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  210. This video makes me really happy to live in a place where heavy traffic means theres more than three cars waiting in the same intersection.
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  211. I remember when I was a teenager in late 00's my dad bought a Ford S-Max mpv as his new school taxi. Car had these long fake grilles on both sides between front wheelarcs and the door. I thought that was the most ridiculous and stupid detail I've seen on standard production vehicle up to that point.
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  212. Model 3 by far the best selling ev in europe. But here's january-september 2021 ev sales in europe by MANUFACTURER: Volkswagen Group - 25% share (Volkswagen brand - 10%) Stellantis - 13% share Daimler - 10% share (Mercedes-Benz brand at 9%) BMW Group - 10% share (BMW brand at 9%) Hyundai Motor Group - 9% Tesla noted 7% share so far this year. Doesn't look very promising.
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  213. I had grades too for almost aything. I really didn't bother with it though and went to professional school, now working in forestry with middling income. It was one of the best choices I've made in my life.
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  214. ​ @jakobholgersson4400 I like the Hapsburg chin analogy! You know, Audi abd BMW do have that reasoning behind it: Reminiscing the grills of cars those companies used to do +80 years ago. Yes. They hideously ugly on a modern vehicle and they should not do that. And in the case of Audi that is completely ridiculous after all the resutructurings they've gone through up to 1970's and their sellout to VAG.
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  215. ​ @jamesj.7750 The classic Ford look.
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  216. Glorified death of character is a stupid trope to begin with. What's funny is how people miss smart metalevel sarcasm in Banes death: Superhero movies are full of overblown fistfights and brawls. It's really fun twist for catwoman to simply shoot down the überstrong, "unbeatable" muscle man in Dark Knight Rises and just quip about it.
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  217. Yes! New video! Benjamins videos are always the best. Rare gems in Youtube.
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  218. Why is almost every video out there about building retirement funds? With my lifestyle retirement is going to be pretty bad anyway if I survive there, so all I need for my savings is is to generate some extra income while I still can enjoy it.
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  219.  @Stew282  Personally, I much rather have fun when in my 20's and let the money flow. There's plenty of time saving and investing, with steady job and family. I'm now 30 and married, house has 85 % outstanding mortgage and with 3000 eur investment account and a full time 40000 eur a year job. I know I probably could have at least ten times that with steady and frugal strategy, but I have absolutely no regret. My life would be much worse overall if I had spent my younger days playing Scrooge McDuck. Just something to consider for younger people out there.
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  220. Even worse problem than disrupting social fabric with mass immigration is disrupting the society itself. You know, population growth and wage was quite large point in the video. Then there's emerging cultural struggle, overcrowding of the cities (You know, it's the population centers people move in general. Not places suffering from emigration), and rising instability due to segregation of people. Then there's an issue, that it's the ones more educated, and better off, who migrate in the first place. Creating wealth and resource vacuum for less developed areas. And the social standpoint doesn't work either, because in large scope, even with mass migration scenario, it's very small minority that is helped in any way, and on average, wealth of people decline at least in short term.
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  221. No Keeper of the Seven Keys I & II? It was Ronnie James Dio and Blackmore who created the genre in 1974, bu Helloween defined and made it popular with those albums. That and trash and heavier bands effectively smothered out classic heavy metal that ruled the 80's.
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  222.  @eddycarpenter8989  Fair point. I sit in the bathroom, because I like use that time to read articles and news, or even books. You know, relatively cheap things that most likely improve your life more than Tai Lopezes 2000$ course.
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  223. Making more than index is really actually pretty simple. People lose money doing it because they overcomplicate it and take risk. Learn to know well handful or two of stocks as well as you can. Follow them constantly, keep your logic simple, minimize risk, take wins, and sell fast. That way you can make more trading than just holding. Buy shares. No options, no short selling as they have strong downward risk. Just shares I don't care about statistics. I do that, and it works better than holding funds. It pays better, so... I don't know. I don't claim to be special or smarter than everyone else. I just know I can beat the index because I do it.
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  224.  @holoholopainen1627  ?
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  225.  @supernova82  You need to be more specific: Immigrants have same right, privileges and responsibilities as any native finn. And being respectful I guarantee at least 90 % of finns are too in return. So I really don't know what you mean. There are always small amount of loud morons in any people group, and you shouldn't paint that as generalization of them.
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  226. Like that swedish official who suspected about their finnish subjects dying to avoid paying taxes.
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  227.  @MrKotBonifacy  May be. I just recalled documentary about university of France (founded by Napoleon) where they talked about it as well.
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  228. @Learn More You realize that IF there was a large conspiracy to make people easier to control, dead or whatever. It would be exactly the opposite. They would want a large anti-vaccination movement to get rid of all cuckoos, and uncontrollable aggregators like you!
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  229.  @peterstainer731 It does make sense actually. I never have thought it that way as that's not the case in scandinavia where I'm from. We don't have such jobs here, which is part of why it's hard to find jobs without education. On the other hand, it's pretty hard to control economy so you don't end up in kaste system within work market
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  230.  @peterstainer731  We have 2-3 dollar hamburgers here. But there's much less employees, who do everything, not just waitering, and many places the call and you get up and pick the food from counter yourself.
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  231. Godfather II is also split into two DVD's
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  232. Thermoelectric cooler in a car is way better than not having one. Not only to keep drinks cold, but for a general shopping trips in summer etc... I wondered why it wan't mentioned earlier since that's the main use for them here. I don't think I've met anyone with such thing on their desk. But a lot of people travel with one in their car.
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  233. WAIT A MINUTE! Energy is energy. For refrigerators the dissipated heat often ends up in wrong place, but if you have that next your workplace it's heating exactly where you want. So you could argue its practical efficiency is above 100 % during heating season.
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  234. And then in other end you'll have 40 hours a week to work freely. It sounds great, and is nice indeed, but also means you can't get paid for working overtime, which often happens in those jobs, you often have to be "on-duty" regardless of time of day (like contractor calling you 6:30, or client after 20:00) and there's still incentive to work regular hours, because of practical reasons. He kind of overgeneralises lot of things, especially to US perspective, which is weird since he's australian...?
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  235. Everything we see around us and understand of the world is only a product our brain crafts from input by our senses. So by definition asking whether we have "free will" is pointless: The entire reality our will could affect is a product of the same sensory system. So free will isn't a part of the reality as we understand it. It is the existence itself.
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  236. These videos are brilliant! Being finnish I do noticed one large omission here though: Wood. The most traditional and obvious heat source. Here it's still the most used heat source in homes. Being that we live in the middle of forest, with a lot of forestry it makes sense. Waste sawdust (pressed into pellets), and woodchips are very common for heating and often the cheapest option aside just firewood, which is even cheaper. And electricity is expensive! (0,15 eur/kwh currently) Cost of electricity just running a heat pump would be more expensive for me than burning pellets, not to mention far cheaper firewood or chips.
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  237. Value increase is just as legit return as dividends. If company can use the money to make more money better than I could, I don't want their cash outs, and pay taxes. It's actually doubly better, since company can underwrite their investments from their revenue.
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  238. People who go into debt by buying fashion deserves their bankruptcy.
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  239. Seriously... FAG is not just random "brand name". It's over 100 old german company, and one of the largest brands in automotive industry. BTW: There's also large german manufacturer of turbochargers named KKK Detector is rather comical product name though to have in sale in america by the company.
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  240. I've been using their Xcover models for past years. I've had 4S for some 4 years and got 5S for work phone last year after my ages old J5 gave up. I think these are pretty good still. With button for flashlight and volume, replaceable battery, and full waterproofing etc...
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  241.  @ixyzyxi  Louis is right that it's simply matter of not having any choice. Every decent smartphone nowadays is Apple copy, because their construction allows higher margins. If I had any other choice, I wouldn't buy one.
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  242.  @sandrost4243  There's brilliant video about money printing and hyperinflation in dutch channel Money&Macro. It's response video to Economics Explaineds hyperinflation video. Couple of things, that I found super interesting we're data points and explanations regarding Covid19: 1) Fed hasn't printed nearly as much money people think, big part of it is from misconception on how the money circulating in economy is calculated 2) When comparing to any previous hyperinflation issues, in Covid19 the demand only fell, but industry and infrastructure is still there, and as we see, production is already back up. I'm not saying some crash isn't coming, but I think it's not caused by Covid or actual debt itself. We can handle those. It's either internal issues in EU or US, Russia doing something stupid, or any combination of those, that start it. And tech bubble is bursting, with economy taking some hit, but lot of "boring" old industry sectors aren't that bubbly, so those will be fine in the end.
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  243.  @sillybutt7  Right? So if it happens hundred years from now, what's the point? It's like calling out 1/3 of us will have cancer some day without any point to make or reason to bring it up. So?
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  244.  @fatiguejras  We aren't any smarter than people of the past. We just have society that values education and allows enough free time and resources for people to learn things. On average, our leaders are perhaps far less educated than before due to democracy. In aristocratic societies people we're educated to rule their whole life. Issue is that modern western society doesn't really value genuine wisdom, but outward oriented marketing fueled by shallow simplifications and charisma.
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  245. I'm about same age as Alex and here in Finland we were the exact age group using MP3 CD's. I feel like at some point everyone I knew had MP3 CD-R's. Mostly to play them in their car.
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  246. This sounds like great thing for US economy. Service sector finally has to acknowledge the jobs they offer are crap, and have to make amends to keep workers.
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  247. It always pisses me off, when manufacturers push air suspension, hydraulic suspension etc... Like it's some brand new invention. They been available intermittently in various passenger cars since 1960's. They never became "the future" as promised, because normal spring suspension is just better, cheaper, more reliable and easier to fix. Just stop ruining cars trying to do things differently and more complicated for no reason.
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  248. As a beginning investor, well trader to be more exact, I'm pretty confused why in general people are so freaked about by the risk in stock market. I mean if you keep an eye on your stocks, and have done proper research, it shouldn't be hard to buy with care and sell when things are going bad. Losing 10 % is not a big deal, if you know you can outweight it by just buying more the same stock. The again, usually I think it's best to just take the hit and put same money on something inexpensive you expect to rise. It doesn't matter how big losses or how big wins you gain. As long as you're right over 50 % of your investments, you're going to come out winning, and that's not hard to do with proper research.
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  249. Indeed. Singapore example hit the nerve for me as finnish car owner. Government raises around 8 mrd (billion in us) of taxes from car owners per year, yet budgets around 1,5 mrd back to roads and traffic... You can bet people are pretty pissed of!
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  250. I still have no idea what people are talking about fascist, gamers, Mosley and "period"? These comments are obviously english but I don't understand any of it. Are they referring to some specific video game or what? Edit: And what does "based" mean? I've seen it many, many times in internet, but I've never quite figured out what it refers to?
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  251.  @ivanf.482  :D Niin varmaan olen...
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  252.  @ivanf.482  Ee tuota tarvihe epäkohteliaaks ruveta. Kuhan kysyin.
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  253. Laws differ in European countries, but basically common things are that the power increase, and changing displacement is only allowed to a certain limit; like 5-15 % above of the highest power option in said car model at max, and you have to show that the brakes and suspension etc... are equivalent of that higher power model, if your's isn't it. Of course also get the tax burden then, and all the parts (not only performance, but any parts you install "semi-permanently" on your car) has to be EU certified. There's dozens of pages of rules and regulations what is allowed and what is not. Like in example welding is only allowed on very specific parts of the car and the law text literally details how it should be done. It's hell for car enthusiast here. Many just try to skirt past regulation by switching parts before yearly MOT, or know where inspectors are car people themselves and "fail" to notice lesser modifications.
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  254. Ret... Trader(s) at WSB made a full analysis on Musks tweeting habits ahead of earnings day or two before Q3. Since his activity there was some 3 times normal, and twice more than previous large positive surprise, they concluded Tesla is going up hard. Damn stock surged +20 %...
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  255. ​ @davidszklarzewski5187  Yeah. I think I have something 100-200 friends in facebook, the rare time I visit there, it's mostly full of crap and common news widely available in other websites. Maybe they have knowledge of average tendencies of people, but what prat.ctical use it has, a?that we didn't already know? I seriously doubt that information tech giants are really that useful we're lead to believe by all the hype. I suspect most of it is useless garbage, and there is so much false information out there, it all may end up being b.pretty hard to use for any practical sense. Even for advertisements, the ads usually hit home only well after you're purchased the thing they're trying to push on you and moved on. What use is that?
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  256. Thing is, once you predict it, the result you just predicted changes. They really didn't thought that example through 😂
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  257. This video was perfect. Absolutely perfect in my opinion. There might be some irrelevant thing there I don't fully agree, but I don't recall any. I'm just positively surprised by the pure quality of this monologue. I can only agree.
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  258.  @elkeospert9188  Why nothing sounds as good in 21st century than in 70's or 80's, if modern equipment is superior? I mean, even bands, that actually try to play music like in old days just don't sound as good. It's usually the cheaply made first recordings that sound great. Then when they get to studio and put out first professionally made recordings, it sounds boring and lifeless.
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  259.  @HASHEAVEN  No, it isn't. It could be. But CD's from the 80's have superior mastering to modern ones. Sound is much clearer, more dynamic and lively. These days most CD are way too loud and compressed, with completely unbalanced eq: Lots of bass, shrieking treble, and no middle freqs. Making vinyl versions much more preferred at least to me. And no. This is not due to music. Take any 80's CD and compare to modern reissue,nthe old ones have ALWAYS been much better. Many of them sound as good as music can. Perfect.
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  260.  @HASHEAVEN  I haven't listened SACD and probably won't because it's too expensive, now discontinued and there isn't enough albums out there to warrant buying a secondhand system. It's pretty sad actually. It could have been great. Then again, CD is so good when done right, I'm not sure if SACD ever was worth it in the first place.
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  261. One thing about Romans in Britain I've always wondered about: It said that the ruling became romanized, showing their difference from common folk by the roman customs and clothing. Wearing togas and slippers and such... In british weather, with all the rain and mud? That sounds just ridiculous.
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  262.  @lelouchvibritannia1788  Wise man once said if you want peace, prepare for war. Being finnish I can say we don't really always feel that safe in our geographical location, and conscription is still very popular here. Over 75% are in favor by public polls, and it's actually been rising recently. Applying for Nato doesn't get high support here (20% of people in favor vs. around 45 % against) and Finnish people generally want to keep their defence in their own hands. Aside from obvious positive of allowing cheap, but relatively large military in times of need, military training definitely educates people to become better at their work.
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  263. I find it plain offensive car manufacturers force us to use some software to use basic functions that, like Louis points out, literally only need a switch on the dashboard.
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  264. What came to mind from this list: Accept - Balls to the Wall, just meanest in-your-face Marshall tone I can think of. Wilko Johnson was missing from the list. Unique, instantly recognisable sound and style. Dave Mustaine is not really known for stellar tones, but So far, So good, So what album is quite close to perfect metal guitar sound. So nicely balanced can''t figure out any adjective to describe it. Fun fact: He started using Seymour Duncan pickups around that time, but album was recorded with stock Jacksons.
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  265.  @bryceb3275  Purely capitalist model for basic education can't work, because it only benefits the entire society in the long run. Short term benefits of vast uneducated pool of cheap labour is way more beneficial for private enterprises. Who is going to pay that basic education, if not the society that benefits for it in the future?
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  266.  @bryceb3275  That's just too nonsensical and aimless to respond with any dignity.
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  267. Just had to comment. I did as you told to check my smoke alarm, and yes... It was dead. Keep up the great work you do!
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  268. Yep. It seems he doesn't quite know what he is talking about, as lot of countries used to control their currency similar ways to get ahead. This also how Finland pulled itself from being war torn backwater of Europe into one of the most succesful nations globally.
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  269. I love volatile stocks, because I constantly get the itch of trading. Having a stock sitting on a level for months gets on my nerves, I rather have it move at least somewhat so I can tinker and adjust my positions accordingly.
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  270. I have to comment about the map of German invasion to Russia. Finnish were fighting alongside germany, and had already pushed further than shown in the map by 1942. Had Germans been that succesful, the front would have hold, and most likely East Karelia would have fallen to finnish/german troops as well. (In later map you show that part invaded by Germany, which is incorrect in the terms of the cooperation between Finns and German). In any case finns would have demanded that area as it was seen as part of Greater Finland, and it's pretty unilikely Germany would have any interest contesting it, because it isn't that valuable in economic terms.
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  271. One of my favorite quote: When youre young you have time and ability to do anything, but no money. Grown up you have money and ability, but no time. And when you're old, you have money and time, but no capacity or strenght anymore. (I couldn't find better translation than "ability", "strenght" or "capacity" for finnish word "jaksaa" that literally means: "having mental and physical strenght to do what you want to do or what you need to do"...)
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  272. Fishyo :D Now that's the name you can trust!
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  273.  @weird-guy  Ok. That makes sense. English isn't my first language either. I don't know how they were marketed to the public in the US. They're pretty much the "every mans car" in Europe so that's how I look at them as manufacturer, even if they've been trying to go upmarket recent years. More of a tool, than something you'd buy for the brand value.
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  274. If I was playing devils advocate here, you know "eco" as a selling point could refer to fuel economy, which they've been marketing ever since the 80's. Bypassing regulations could in fact improve that. Lupo I think used to even have a meter called "eco" in dashboard that measured fuel consumption. But as I said I don't know exactly how it was marketed.
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  275.  @weird-guy  I didn't know they made a documentary about it. I have to look that up.
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  276. And us just as Allies though us Finns work so hard not to be....
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  277. You notice that markets well known capability to bubble defeats the whol idea "rational investor" hypothesis. Markets can't be both: irrational and rational. If there's irregulaities in the market and assets it represents, it's not plain rational. No matter if there's a lot of trackable rationality going on. Key to win the overall market return is to find those irregularities, and invest accordingly.
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  278. Liquidity regarding micro and small cap stocks is real culprit here to produce brilliant "pseudo-trades". If you've actually traded them you know there's always a theoretical edge to make money with day trading. Problem is you often can't use it, because there is no buyers for the price you in theory could sell for, not vice versa. And usually large part of any profits made go into trading fees since the margins are small.
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  279. Everything is priced may be true for most liquid US stocks, but it is far from universal. I've been trading in europe past year or so and honestly... It greatly varies stock by stock how quickly they adapt. When I follow the specific share price and news, I get the feel how it behaves to new information, I know when to trade. Of course it only works for now. One has to constantly adapt to the market environment. Like this one stock, I traded and made ~50 % profits through year, it was constantly going up on the moment positive news came up, rising couple of days, then falling back to new plateau 5-10 % higher than previous. It did that for like 5-7 times in a year, so easy pattern to follow. Plus it was very good investment on the price it was trading anyway, so it would've been win even if I had predicted wrong. Now it's overpriced, and I don't think it has much room to grow anyway for time being, so I'm out of it. I have portfolio of about 5 similar stocks at the moment. Juss read a lot of news and follow the market that others don't, and you CAN find great opportunities.
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  280.  @flammmenspeeryt9184  Nope. Everything is always priced wrong, and there's always patterns forming and disappearing based on investor psychology. This years been total bloodbath and that's not bad luck either. I'm just having problems getting my head around completely new trading environment.
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  281. So, things are leveling out in Europe, I think bottom has been reached and strategy I did use a year ago seems to again be workable. I'm back up to just - 15% this year. Not too much to go for goal of 0 % at the end of year. Feel free to laugh at me if bottom fells :D
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  282. I'm savonian... Savonia is region in eastern Finland. It has nothing to do with slavs, just coincidentally similar name.
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  283. It's so stupid if you do it, you deserve to lose your money. Period.
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  284. 1) When you retire, you don't need a house in expensive area. Just buy cheap one furhter away cities an pocket the savings. 2) Reduction of workforce upping the wages is not a problem in western countries. Exactly the opposite, as working population is dwindling. Also the higher productivity historically has pushed the wealth of individuals up, and I don't see a reason why that would change. 3) Retirement funds don't work as "one man buys a stock", so stock price is not a problem. When you pay to retirement fund, you get X amount of pension in retirement. The overall economic situation affects it, but individuals chances of investing doesn't. 4) Also there is a LOT of quality stocks with p/e well below twenty. You just need to look beyond the most trendy ones. Of course those are overpriced. Always.
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  285. I get his critisism towards 401k. I think what people fail to see is two important points: 1) If you really need the money, that's not accessible, it can lead to severe repercussions in the long run, and effectively ruin your life. 2) People always expect to retire. I don't know why. I guess I may survive to be old enough to retire, but then I don't know what kind of world it is then. Is there anything left of my retirement if world economy collapses, or we get a major war involving western countries. Or maybe I die of heart attack two years before retirement like my grandpa did. Anyway, I don't have a horse in that race. Being finnish, our retirement is automatically taxed from our salary and there's really nothing for individual to do about it. A part of living in country with a strong social security.
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  286. I think I just saw the truth of options investing in practice: NOK announced positive news about upcomung earnings, first stock rallied 5 %, then started to slide down rest of the week, ending much lower than it started. Why? I don't know for sure, but investigating, there's heavy load of call options expiring 21.1 of NOK at $6. If I was to bet, there's going to be a lot of push to keep the price under that until they expire... And if that really is the case, how would you win with options, when "smart money" can control price like that? Sure call holders could have made money had they sold on top but I don't think many did... I'm holding shares, btw, and buying more if this goes on this week.
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  287. Managing to lose over 80 % of portfolio just by holding shares in 2021 is probably the most impressive feat of stock picking I've ever seen... Just... Why?
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  288. That's what I've done with great results thus far. I mean there's hardly a risk of massive failure even just owning one stock if you know what you're investing in and be ready to jump the boat if your tactic turns out bad.
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  289. "Fun" fact: The Deputy Mayor of Helsinki, a capital of Finland, was detained couple of weeks back in midsummerday (traditional finnish drink... holiday) by police for spraying illegal graffitis in some street tunnel wall. He was kind of sheepish in the news next day😅
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  290.  @davrosdarlek7058  It's not. Uusikaupunki / Nystad is in Finland
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  291. Why do you even make biofuel from corn? That can be produced from just about anything. Waste from cattle, cities and other industries that handle biomass being most obvious. Woodlands that can't produce edible products, can produce environment friendly biofuel along with hundreds other raw materials, and that is net positive in terms of emissions. We finns figured that out 100 years ago, and now people are reading about destroying rainforests, and think sustainable well engineered forestry in Europe is somehow bad thing...
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  292. There's brilliant callback to that in cheaply made scifi parody Star Wreck V: Lost Contact, where they destroy invading, unstoppable Korg ship...
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  293. Great list. It's hard to argue of those picks. Though Master of Puppets is, and stays, as the metals most overrated song of all time.
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  294. Let me add in something learned hard way: Decision making process is only as good as the area you apply it in Different time or different stock, can lead to very different decisions turning out good or bad even with everything else being same in your process. That's why it is process, it needs to continuously adjust to moving target you're chasing at.
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  295. I voted them, but won't vote again. They basically said right from the get go, they'll stay out of government and won't even negotiate about it. I was simply... WTF? I voted them so they could push their policies forward, instead they stab the voters they still have in the back and walk away to play pointless image politics in order gain more votes next time. F.... them.
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  296. I did exactly the same. Except once I got computer with two 500 mb hard drives, I redid them third time into .WAV
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  297.  @Douglas_Blake_579  500 mb... Yea, sorry bout that, I of course meant 500 gb! They are large indeed, but storage is cheap these days. I upgraded my computer with two 1 tb drives couple of years back, as I couldn't fit my digitized library on it anymore. Currently at 456 gb of WAV + 387 gb of ISO files containing virtual copies of my music CD's.
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  298. You lost me when claiming 320kbps mp3 is virtually indistinguishable. No, it is not. Removed "masked" sounds do affect the sounds. I know as I recently redid all +7000 songs in my digitized catalog from those 320kbps mp3' to 16-bit WAV. I made a LOT of blind testing: Computer system, my two component hi-fi, in my car) Actually in my car (old audi with original speakers and Pioneer player) difference was biggest. Probably because quite rough high end, mp3's we're instantly recognisable by harshly annoying mid to high treble in higher volumes and less detail with lower volume. In every case WAV was better (well, my wife picked mp3 version sounding better 9 times out of 10, but that just further proves there is difference...) Anything "higher" than CD-quality I can write-off as snake oil.
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  299. Well put video. Truth is that CD CAN sound just as good or better than Vinyl. However they're mostly mastered so badly that 9 times of 10 LP sounds better. Technical limitations of medium forces mastering engineers to focus on the musicality instead of booming bass and earsplitting high notes. I have handful of truly great sounding CD's from 80's: Helloweens Keeper albums, ZZ Top Eliminator, Pyromania, Dream Evil by Dio etc... I don't know what's wrong with engineers these days, but no CD made in last 30 years sounds as good. Meanwhile, it's not very common to get really bad sounding LP's. Smetimes yes, but mostly they are pretty good. I have few LP's from last 10 years that sound incredibly good. Which is something I can't say for any CD i've heard that's mastered since mid 90's
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  300.  @dixienormous2440  Problem with comparing is that playing vinyl your equipment plays much bigger role at how the end result sounds. It does with CD's too, but to a lesser extent. I like both, and it's really just down to what you have to play them with, if you have good quality records of either medium.
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  301. I've in exactly opposite mood now. Actively sold and bought shares through 2021 and made quite nice profits. Tried to catch december/january, but it ended sharper than I expected, so I thought to move into more passive investing to go through hard times. Worst decision ever. I lost 1/2 of my profits from last year and would have stuck to declining stocks, hadn't I bit the bullet and sold off to go back actively playing back what I lost. This passive investing is garbage.
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  302. True. When praising what Tesla did right people often forget that it only was able to survive long enough to succeed, because of Musks public image and deep pockets. Not that there's anything wrong with it. Just saying.
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  303. Good for you! I hate doing sales work, though it is one part of my job too. I live here in the middle of woods and not going to move anywhere closer to people, even if there might be better paying jobs. I like this well enough. I do invest what I can, but not going to turn down an offer for fun night out with friends for little extra cash. It's more important for me to live the life I like than making money. Who knows when death comes? I also have wife so no need to stress about "girls".
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  304. What I thought as well. I had great parents: They never told me about anything that "it's illegal". In fact, I didn't even thought that could be a thing. Just that no it's wrong to do, or dangerous, unethical etc... Come to think of it... Isn't it pretty adversarial to say you shouldn't do something just because it's illegal? That's pretty much like saying, it's okay if you don't get caught! At least that's how I would have turned it in my head as a kid😅
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  305. If 45 years of paying a home feels long, I suggest you to look at swedish housing market. For a Finn mortgages in there sound just bizarre.
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  306.  @andrijavasiljevic  Ok. I misunderstood what he meant there then.
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  307.  @Nr4747  If they're smart enough they should understand their shilling of a stock with that amount of volume is meaningless in moving the share price. Or maybe not? I don't think many of them are that smart.
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  308. I have no idea whose Hei Hei. (Chicken ?) But it's also finnish for "bye bye".
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  309.  @CJColvin  VAG product quality went downhill around 2006-2010. And yes, servicing and maintenance of Audi is expensive in Europe too. But I don't care of those. Back in 90's Audi had perhaps the best lineup of engine/drivetrain in automotive history, and their bodywork was on top as well, so not much rust problems even after 20-30 years of weathering, And those cars aren't expensive to maintenance. Especially if you do the work yourself.
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  310.  @startingbark0356  Never seen a DAF pickup? I only really know about DAF 66 and it's successor Volvos, which we're pretty terrible until Volvo ditched the CVT and switched to swedish engines for 360 models.
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  311.  @startingbark0356  What was their pickup model. I'd be interested to look that up. Were they too CVT's?
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  312. I find this dubious, or in fact blatantly incorrect: "Even if you are wealthy person, if you lose your job today, you are just not going to be able to support your lifestyle..." If you're wealthy and don't have any kind of reserves for a bad day, you really can only blame yourself. You shouldn't count on society, or your employment that much. If you truly really are wealthy. It shouldn't be hard to secure steady income without job at all.
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  313. Nah. Bubbles are obvious. People just claim you can't see them beforehand to justify their own stupidity. Currently electric car market is one huge bubble. It may not burst violently in the end. Just lose air, until profits catch up valuation, but there's no question it is one right now.
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  314.  @gameover-wy5ij  Ha! No... sadly No one knows WHEN it bursts... No way I'm going to bet my money against human stupidity :D Besides even if I could know well enough to bet on it, I can't afford that.
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  315. I think that you're overanalysing this. (Great analysis though!) What is your definition of a bubble? Is it a bubble if it merely phases out, or does it have to burst to be called a bubble? If former, I don't think there is a question that were in a bubble fueled by passive investing. It is widely accepted as a default strategy, and there's been massive influx of capital to the market in recent years. Especially since Covid. Meanwhile trading has become more popular than ever. With passive investing holding stocks, traders are trading more and more scarce stocks with higher prices. But in the end, all you need to do is to look stock prices. They're just out of proportion. In my home stock, I can count reasonably priced stocks with one hand (maybe two, if being less careful). It's insane.
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  316. @John Ashtone You know it's not just communism? Social democracies in Europe wouldn't exist without Marx's contribution to economics. And I think we're doing pretty fine here in northern Europe.
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  317. I mostly use premium on my phone. Yesteday I did use Youtube on another computer and yea, there was 1-2 ads in the beginning of each video I could skip past under 10 seconds. Is that what gets so badly peoples nerves?😅
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  318. Is the price of shares in IPO in US set only AFTER the subscrictions from investors?? I would never take such deal... Here in Finland company announces the IPO, then after marketing prospectus is published along with the price and there's about week for investors to announce their interest. After which if it's succesful, bank allocates the shares at that predetermined price. I've made neat profits with them this year, though the best ones have resulted in only a shares worth couple hundred due large demand.
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  319.  @TheNewGreenIsBlue  If you've grown to think that way, yes I guess. I can't think in fractions, because that's not how we are taught. It's very rare to use fractions anywhere, and then it's much easier to think in percentage, or decimal (which is basically same the thing). I instantly can visualize how much is 60 % or 42 %. And that is exactly same as 0,6 or 0,42 from 1. But I have no idea how much is 4/7 or 2/8. I have to calculate the division to get it in decimal.
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  320. BTW. I'm finnish. Our school system has some merit ;)
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  321.  @TheNewGreenIsBlue  Well, composers and musicians do use base seven fractions. But that's beside the point. It was simply example how much simpler it is to use decimal instead of fractions. You can't say right away which is bigger: 2/6 or 3/8. But in decimals it's obvious: 0,33... vs 0,375 You're just making really complicated issue out of a simple math. And pointlessly. If you like to use fractions, that's fine. Most people just find base 10 numbers easier, which is the basis on which our mathematical system has worked on all of scientific history. Babylonians used base 12 system, which is why we measure time that way. It works, but I'd say it would be easier if we didn't have to translate that to base 10 all the time.
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  322.  @TheNewGreenIsBlue  BTW: To get back on the track, what does all this have to do with imperial system? I mean, imperial units do not have any base number to my knowledge. There's no connection between different distance units for instance, so you have to memorize how long each of them is compared to each other. So, you're logic to me still would say metric is better, since it's all based on a single base number?
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  323.  @TheNewGreenIsBlue  Music is based on fractions that use different base numbers. 1/2 is octave, 3/4 major third, 4/7 harmonic seventh etc... But those are not usually needed, since base 12 tet fixes them in to a scale. Which btw. Is chosen because it can represent most important notes the best with low amount of extra notes. Base 19 would actually be much better, but practically difficult because of too many notes. But more so, rhythm is in fractions. That's where I mostly need to use them. Anyway I don't know why you insist on dividing things. This is why I think you think and understand things very differently than I do because of fractions. I don't divide my day. I wake up at 6, start car at 7 commute 40 min. Work for 8,5 hours, pick groceries, that takes 30 min. Drive home 40 min. I'm there at 17:20 (If I calculated right). Put meat in oven, which takes 1,5 hours to cook. Put washing machine on that takes 2 h 25 min. Sit to watch 30 min. episode of something.. See that's a jumbled mess of decimals, hours and minutes. It took me quite a while to calculate in my head when I'm home and didn't even bother with evening because I think the point comes across. If our math was just based on 12. Yes I fully agree it would be much easier.
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  324. BTW, I don't remember being thaught fractions, nor, if it was before decimals. I really don't remember much of elementary school at all to be honest. It was easy for me and I was always good at math. What I do remember, is that I quickly learned to translate fractions into percentage, which made everything much easier to calculate.
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  325. "You know why time seems to go faster the older you are" "Because when you're ten, every year is 1/10 of your entire life. When fifty it's just 1/50 of your entire life" -Jeremy Clarkson Yes, of all people I heard that from him in Top Gear...
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  326. There is no way reformation wouldn't have happened: Martin Luther was only one of the reformists, but he got it really going. Thing is, catholic church was running things same way for millennia: Further from the origins of church history goes, more people will start to question, why priests and bishops only have authority to interpret holy texts. Then came printing press, and combined with increase in literacy... It was ineviteble even without any of the reformists that we now know of. Also, there is no way catholic church would have become greater authority it was. They always tried, but they could never control the secular powers. And neither could kings get church to bend their will, which caused the separation of church and state in west. The germanic ideas of individualism clashing with chruch doctrine after fall of Rome created the basis of western civilization tha is still apparent today. Regrdless of reformation
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  327. There's one thing in diminishing of the worldin Tolkiens work you forgot to mention. Intertextuality and viewpoint of his work. Lord of the rings is written in present time by Samwais. Tone is different from hobbit as it's Bilbos memoirs. Silmarillion he never finished contains legends of the world, and that way they grow more legendary, further history it delves. Just like real world legends.
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  328. I think you are forgetting one of the biggest things to impact the world without slavery: Rubber Without slave-run plantations to produce rubber, it would be much rarer and more expensive, which would push industrialization back decades, maybe a century. WWI would be like Civil War in America, and there would be no WWII without the long term evolution of society that started with industrialization.
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  329.  @davidbacon9244  Oh. Didn't know that. Stolen? How do you steal a production dependant on trees growing in plantation?
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  330.  @EwanMarshall  Yep. In Finland home/houses have 3-phase electricity for kitchen and sauna. Often also a outlet for it in the garage or other similar space for power tools that require it.
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  331. True. Much easier, makes more sense and prettier solution. Maybe doesn't matter in practice a lot. But I care about technicalities
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  332. I thought this was pretty obvious... I guessed the rule right on a first time something else that "multiply by 2" was proposed. I don't understand why people keep going on with most obvious lines of thinking with issues like this. What I would have done when asked this (I played along when he asked the question): First instinct was "multiply by two", then I would have picked descending odd numbers. I would have guessed right after that. People are weird.
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  333.  @wesley5729  Or just like I do: Buy your property from middle of nowhere and vehicles made in 90's...
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  334.  @stgrozdanovic  What you mean? EU isn't even federation, so there's no federal bureau. Every european country has their own officials.
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  335. Index funds are only as good as the overall economy. Personally I'm too pessimistic and sceptical to keep my money in stock market very long in any form without close attention. I'm just waiting for the eurozone collapse, and trading stocks I find solid in the meantime, ready to jump out before the fires start.
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  336.  @cherchehacknostale  True. But what's the point of dangling your money for months or years on an investments that are more likely to go down than up? That's what I've never understood about long run investing. If you sell, and turns out you we're wrong, at least you've won a little and If you are right; you win a lot more. And you can always buy back in when you assess things are coming out better. BUT if you don't sell and stock falls... That's lost profit you can bever get back AND you're just lost possibly years worth of time in stock. It's honest question. Why is that considered in any way as a smart strategy?
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  337.  @rabidlorax1650  I don't know if the stock falls or rises. I'm just managing risks. If you sell at profit you lose nothing regardless of future. I only buy stock when I'm sure it's not going down in a short term. I currently do hold few stocks that went red on friday... Should have sold on thursday, but if they don't break even in next week, I guess I'm in the long game with them know. I did sell what I didn't see have long term value in past weeks so I have no worries.
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  338.  @rabidlorax1650  That's more risk and I could be wrong. I think overconfidence is possibly the worst thing you can do in trading. I've had couple of trades gone worse than -10% last year, if I had leveraged them, it would have been really bad. Now they we're mere hickups, my good trades could easily outweight. But I'm not that experienced investor, so my questioning of holding vs. trading, was just to understand the reasoning behind long investing better.
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  339. Why is my response disappearing?
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  340.  @MauriceB-zn5pv  This may be the reason. But I think it shows the weakness in the method. Data analytics can be useless to measure things not easily quantified. If you ask your known customers, it has a bias towords people who already like your new products. If you ask general public, most don't care that much anyway. If you ask about the service, I'd imagine it to be really difficult to draw a real correlation to a sale of a new product down the lne.
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  341. This whole saga of FTX is like a some mid tier tv series that just grows more and more unintentionally ridiculous and unbelievable deeper you go into it...
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  342. In general: Population of country doesn't really matter. Larger population does generate GDP, but also means they need more of it to support themselves. If population of 6 million people produce 150 mrd gdp/year, it means if the production was didivided equally everyone in theory would have access to equal of 25000 /year. Of course it never is divided equally, which means for that average, country needs much higher GDP to support itself and it's people. Conversely, country with 60 million needs 10 times larger GDP! That's why many small countries in terms of population can have some of the highest standards of living on earth.
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  343. In finnish, when we address "you" (sinä) politely, we use plural form of you (te). So in finnish you can't address more than one people in an unpolite way linguistically. May tell something about finnish mindset :D
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  344.  @eeekkk34235  Exactly. Another point is, if you expect a rise, but the stock keeps slowly sliding without reasonable explanation. It's much preferable to sell at loss, put money something, that actually makes profit, or even just hold it, until stock starts to recover. Then hit it. Of course it greatly depends on individual stocks and how they behave.
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  345. ​ @skf957 ATRAC predated mp3, and was built as it was in order to get RIAA off their backs. Music industry essentially killed MiniDisc in US while it fared much better in Europe and Japan, existing for 14 years. Sony has tendency to push their own formats for license money, but in that case I'll give them pass. They were way ahead with MiniDisc and it's sad it didn't catch on. We could have had essentially 250 mb floppy disks in mid nineties, if MiniDisc had succeeded in US!
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  346. I suspect it's just how they've always done things. These things aren't black anr white and it's much easier to become really succesful if you're willing to cut some corners. We only the stuff from when the real fraud starts and things eventually spiral out of their control.
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  347.  @Sam_Guevenne  That is just a matter of perception and personal values. Obviously I don't live in a culture like my father or grandfathers generation, but I value and respect theirs more, because that was what created the unquestionably unparalleled stability and quality of life our society now has. I don't think we, as a generation, have right to do anything, but at least try to maintain it, hence I'm wary of anything that could lead to a decline of our culture as it still exists.
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  348.  @gianni50725  Saying US Stock market is "The Stock Market of the world" is superbly misleading and US centric view. Yes, by market cap it's by far the largest, but that's just for three reasons: 1) US has been the only economical superpower around for a century 2) Influx of capital with low corporate regulation has allowed massive worldwide companies to sprung there 3) Two previous reasons has allowed US Market to digest capital all over the world, enlarging it's capacity and pushing up the index. In real world value and production US is still the largest economy sure, but not that much bigger from EU and China. Meanwhile the outsourcing of valuable production has greatly reduced the overall strenght of US economy even though it's effect of valuation has heen exact opposite. This is very much true for EU as well. Far East will eat Western markets alive, if we don't start protecting and pushing up our own production soon.
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  349. What does she say at 7:02 about Smoke on the Water? I keep hearing "central porno blues scale"... English isn't my native language...
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  350. Living in Finland, biggest difference between diesel vs petrol is that one costs more at the pump, and other you pay a yearly tax, so it's pretty easy choice for most.
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  351.  @RichardServello  Well, I'm only about talking finnish stocks here, but usually there is some reason behind the sudden 10% jumps or falls. A news article, profit warnings, some profitable deals etc... It does help a lot to always dig up reasons for those jumps in order to learn how specific stocks behave. I've made a few nice quick trades with knowledge learned from those, avoided few falls. (and admittedly also made mistakes too)
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  352.  @feynstein1004  Cheers! Admittedly, last year has been pretty wild in stock...
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  353.  @feynstein1004  True. I mainly focus on the older, well established companies that haven't fared particularly well in the past years. I think the few ones that still have reasonable pricing to turn out profit can he found there.
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  354.  @Fractal_32  You have to pay them anyway. Sure if you trust economy continue to increase, or happen to pick right stocks for long term, you can increase profits while holding. But if you sell, you have to pay them anyway at that point. For instance, it would have been better to sell earlier this year, and buy later back even if it means you have to pay taxes. On the other hand, I couldn't afford to invest same amount of money long term I trade with. So that makes opposite effect to taxes.
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  355. You said it yourself. If Tesla isn't a bubble... I have no idea how to continue that, it's so freaking obvious. Just look around. How much Teslas gou see sold? Hpw big the company actually is? It's market value is by far the largest of any automotive company, but do you really think they can beat VAG, as they turn to electric? Ten there's the rest... Ford, KIA, Volvo (huge in europe if not there in US), Stellantis... I'm not saying Tesla wouldn't be big winner in future. I'm saying the stock price is out of proportion, and there is no way around it, unless you think their next car is going to mimic the T-Ford or VW Beetle level success. If you think that's going to happen... Well, good luck!
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  356. In Finland my bank is currently cheapest as far as I know, and they charge from 0,15 % to 1 % transaction fees. Basically with the amount of sums I can afford, it's that 1% per trade.
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  357.  @muffemod  With the bureacracy, taxation and expenses involved to that here, I'd like to hear how that goes... Few brokerage firms I know of charge actually more than banks. At least from regular client, I'm sure big investors have their own deals.
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  358.  @qinby1182  As finnish I must say the housing market in Sweden seems insane: 50 - 80 year mortgages? Here it is still expected, if you take mortgage you can pay it back and own your home before retirement. Sure it does release capital on entrepeneurship, but is it worth it? I would be somewhat afraid of a bubble...
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  359. I still do my Excels on Office 2000 and XP machine at home I have to use current one at work, I can say by long experience it has only went downhill. That old version does everything you might want. Only more easily and often better.
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  360.  @fatpotatoe6039  Everyone is. That's why you need government that don't affiliate themselves on an ideology. Inviduals have ideology, but if the government (or party) has people from multiple different ideologies, they can average the affinities out to focus on practical issues, and compromise solutions. Here in Finland typical government used to be formed by 3 parties in last century. Now our gevernment tends to have 3 to even 5 parties involved and arguing about.
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  361. Exactly. That is why you need to revise and change your trading strategy depending on investing environment.
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  362. Taxation on capital gains has interesting twist here in Finland, I think it applies to Sweden too: It isn't only applicable on rich people: Lot of people own land here, and forest income is surprisingly important on many, especially on countryside, where income otherwise is lower. That's taxed as capital gain, so someone, perhaps otherwise on low income pension, who gets 30 000 once in 20 years will pay the same tax as business owner who makes million a year.
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  363. You left out biggest issue with entrepeneurship, and main reason business owners promote it: Entrepeneurs don't have minimum wages, employee rights or labour unions. More small time or one man entrepeneurs there are, easier they are for big companies to exploit. Food delivery or uber is perfect example.
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  364.  @michalpavlat3943  What's the controversy about him regarding F1?
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  365. And without consciousness, there's the paradox of non-existent state: Non-existence cannot exist without conciousness existing also. I agree with your point: Meaning of life is an existential paradox. This also puts concept of time into interesting position as a product of resolving paradox unable to resolve...
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  366. Also: Winning by bidding the underdog always feels better than following someone for scraps, even if you make less profit in the end.
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  367. Were de facto standard? They are by far the industry standard in Finland today. It's just very few technologically inclined and recently renovated companies that have made the change so far. And yes. They were in many homes too here. In fact I think they were kind of standard in finnish kitchens up to 21st century I really didn't know that wasn't the case elsewhere
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  368. Reminds me of an old real Wish ad which was apparently machine translated into finnish and literally said "Can this be a scam?! Try and find out!"
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  369. Steve Harris has said he specifically wanted someone different. It also took quite lot convincing to accept him back, because he didn't want Maiden to just reduced doing same over and over. I like Blaze too, Virtual XI is good album, even when it's so different. Of course at this point it's pretty impossible to think Iron Maiden without Dickinson, as he's had so huge part in the bands sound especially in 2000's
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  370.  @TeaParty1776  :D
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  371. Damn, house buying there souns expensive! I bought house two years ago here in finland. Downpayment was 5% for first time house buyer (10% otherwise), all the fees for deal counted in for 800 eur, we split between seller. There's no taxes for buyer. Seller doesn't need need to pay tax either, if they have lived in the house continuously for two years.
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  372. I seriously thought 1# was "Battle of Normandy was epic part of world history where americans..."
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  373. They're like leechy weed pushing between the companies selling things and the customer. Here in Europe we've never had any issue with bank transfers.
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  374. You know, most teacher's and doctors are on government payroll, as most healthcare and education is public in nordic countries. So government saves in salary + gets good proportion of it even if they're on private work by taxes. Those taxes then go to pay that public healthcare and education, so citizen who use it don't have to pay so much. There's still minor payment, capped around 100-200 eur a month total (incl. medicine.)
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  375. Well, since 2008 I spent 12 years waiting for next crash, because back then I did not have any money. Guess what? I bought a house in late 2019, and spent all my savings on it + renovation through 2020... So in covid crash I again had absolutely no chance to buy anything... So I kept waiting for second fall, just couldn't believe market jumping back up so quickly. 2021 I finally thought screw this and started trading with ~1000 eur I actually had to play with.
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  376. I've never seen The Longest Day but I definitely now watch it when I have time. It looks incredible
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  377. Engineers haven't yet managed to automate a computer to update itself properly, and they've been at it for 20 years. Office automation is just bizarre it dream that doesn't work in real world. Recently we moved into automated billing of customers in my workplace. Result was that: A) We had to manually check EVERY entry of CRM that they're input correctly. B) Automation used wrong data fields first, so biliing went completely **** up. C) We end up paying three times more than previously, albeit releasing some working time for one guy who used to do it for other stuff. Is he going to spend it in anything useful I have no idea.
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  378.  @deckuofm  You still need people to: a) input the data required for automated system b) To actually do anything with output I don't see why any company would be against any of that stuff you do? Where I work, people are hired to to do the planning work at the site, and work with clients. Automating the collecting data or producing reports as you explain are automated by default, I thought that was standard way of doing office work in 21st. There's on going work to automate the collection of data required for planning work at the work site by drones and smartphone applications, that currently take about 30 % of my working time. I don't hear anyone complaining?
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  379.  @deckuofm  I can definitely understand. Dumb work provides an "acceptable" break when your job requires constant brainwork and focus otherwise. For most people 8 hours of productive focus in desktop work just isn't feasible in first place. When automation gets more permeating we need to redesing the way office work is done in general
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  380. Yea. Kind of three things that get person through life. I think pretty rare people have all of those. I do have intelligence and integrity, but severly lack the energy. It really sucks to be on the edge all the time just to get things done you absolutely have to to survive.
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  381.  @bobbysworld281995  Yep. And honestly it's really suspectible if it was actually from Germany or just crafted by british or french. There just isn't any sense what Germany would have thought to get with it. It's obvious Mexico didn't commit to it, and if they did, they'd be crushed so quickly the effect for Central powers cause would have been nothing at all. Meanwhile it just solidified US's stand against Germany.
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  382. When USB-C came I thought finally they fixed they crappy micro-usb for phones that were breaking down constantly... Well after living couple of years with it, and about dozens cables after I HATE IT MORE THAN ANY CABLE EVER! Why they're so crappy??! How hard it is to make a simple cable that does fall apart on a second you rest it slightly crooked on a table??! I dearly miss the old days of Nokia chargers.
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  383.  @Correct_Opinion  What cables do you have?? I've had ones molded from soft matte plastic, and the metal connector part bends downwards VERY easily, after which it starts to cut out. They're also loose when connected, and cuts out on instant it moves slightly sideway when connected. I bought couple of metal ones with braided cable thinking they're better but no... One broke down completely after a week (the metal connector part bent down when I put my phone on table and cable part just happened to hit it first...). The metal is just useless trinket that slides off the plastic the thing is made of!
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  384. With some cables I have, the weight of the cable itself hanging from phone is enough to bend that connector! That just unbelievably poor construction.
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  385.  @Correct_Opinion I've bought mine from local shops. They're not cheap by any means, they're ridiculously expensive compared to micro-usb, other basic cables. The metal piece that connects ground just isn't attached properly to the cable end. Even with cables that work (for now) I can see the plastic cable end dipping downwards due to cable weight when I lift the phone from table. The one cable I broke by dropping my phone on table... I was laying on a bed, just reached backwards and dropped the phone on table, when went to sleep... Now I carefully set the charger on, make sure it charges, and be careful not to touch it. And try not to use my phone when on charger... The damn cable WILL break if you move about with it connected to phone. BTW, I mostly use long 2m cables. Ones that come with phone are just uselessly short. At least here in Finland wall outlets are close to floor, and those short cables barely reach the tabletop, even if it's right next to it
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  386. Funny. I came along this comment, and thought to add. I actually found a good USB-C cable in early december: "Out-of-the-blue" branded cloth cable with metal ends and led in the jack. Bought it from cheap trinket store while traveling for 6 €... Its currently only working USB-C cable I have. Fits and works perfectly. Ridiculously it's way better than any other usb cable I've had.
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  387. You know what's funny, I've focused on trying to pick safe stocks to keep longer, and couple growth stocks, I expected to start doing well in the future, but then their price has risen too high and I've sold them because I thught they we're too expensive. Then I had to buy them again, because they didn't seem too expensive later on. Then they've risen again etc... So I've essentially made 80% profit within a year by trying to play safe :D And they say picking stocks is risky...
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  388.  @TheyHateMeCuzTheyAteMe  Fine. I failed to sell in may waiting for a rebound. Then started buying back too early. Lost 30 % in 2022. Now I've got 17 % back up in january trading the upward trend. Currently have what I think very nice set to go through earnings. And probably sell most off come march keeping only the couple long term ones I've been sitting on.
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  389. Honestly, not buying Google in 90's/ early 2000's is very understandable decision. I remember search engines back then, and Google was always the best, because it didn't have those banners of ads blasting at you and slowing down your access. It was obviously better at it's job as well. However, I always thought it was a hobbyist site and jut a basic tool with no intention to make any money. How they could have, without prominent ads or affiliated links? Their business model didn't exist back then, and honestly I'm still not exactly sure, how they made money before their adservices branch and sold top spots in search (which hadn't really been viable business strategy until they were big enough)
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  390. Comparing wealth tax to a protection racket is sure to warm up a lot of european social democrats...
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  391.  @FractalNoize  Is all retirement funding in US entirely optional, or why is everyone so worried of their old age income there? Living in Finland there's a slice of every paycheck you get going into retirement fund, whether you want it or not. So when I retire, assuming I keep my house and job, I should be able to live at least decently without any optional savings from my part. Sure I do save money, but not for old age. I don't think I will be able to enjoy much of riches at 70... Not at least if I don't change drastically my lifestyle in next 20 years.
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  392.  @LucaPizzoplus  I must say I've never thought of that. My view of perfect retirement would be to just stay at home doing all those fun hobbies I never have time now: Play and compose music, hunt, write a book, play games, fix cars, watch all those movies on my list and listen records I've meant to... etc... I don't need money for retirement. Just enough to pay food, house, and few bits and parts now and then to maintenance my stuff.
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  393. ​ @freedomishavingachoice3020 Every atheist should watch Futurama episode Godfellas. It's brilliant. In very laymans terms explains few key aspects of religion, that so many non-believers seem oblivious to.
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  394.  Capitalism rules  I don't think anyone here is talking about "purely socialistic system"... That's useless to really even compare to.
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  395.  Capitalism rules  And we ARE entitled to compensation for mistakes. It's just that law, at least here in Finland, doesn't allow those ridiculous over the top demands for "compensation" people sue for in US. You can only get paid compensation regarding your loss. Not any "extra".
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  396.  Capitalism rules  State system is under exactly same jurisdiction as private healthcare companies. Which do exist in Finland as well. There is no difference there.
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  397.  Capitalism rules  Maybe you don't. But most people will have to at some point in their life. It's still better than private insurances for being cheaper. There's no public transport anywhere near me. I still pay part of it through taxes. Taxes pay a lot of things I don't need or want. But that's how nation state works, and we haven't yet figured better alternative. BTW Latest poll from 2020 had a result of 83 % of finnish people considering current taxes to be worth of what they gain for them. So it's not like welfare state is forced upon the people. Quite the opposite.
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  398.  Capitalism rules  I literally have never heard anyone advocating "extreme socialism" as a way to fix healthcare... I think everyone knows how garbage it's been in communist countries. What if you just try to forget the word "socialism", when it seems to scare you so much you can't think straight? You're right that in practice nationalising US healthcare system is probably impossible without some massive systems collapse. I was just trying to explain how it all works objectively. WWII didn't destroy Finland complelety. Healthcare existed before and it was just expanded through government policies from there. War certainly strenghtened the system though.
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  399. Economic recessions didn't happen for most human history simply because before 20th century when people, nation, state, empire, conglomerate etc... defaulted on their loans. Debtor simply raised army and took what he owed. Or the indebted, probably a king or powerful land lord, simply refused to pay, and debtor couldn't force it if he would lost and destroyed.
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  400. ​ @DominikPlaylists  Banks are too rich. Back when customer service mattered they where mostly local, and needed their good reputation. Björn Wahlroos, Chairman of the Board of biggest bank in the nordics once famously said that regular customer only brings in dirt on their floor.
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  401. I think you're underestimating people with Charizard card example: In first scenario, you get the card free. It's very unlikely to lose value, but has plenty of room to go up. If you don't need the money, it is just the same to hold it. Whereas not many of us can afford to buy such card just as investment, and are unwilling to take the risk price doesn't go up. So example doesn't work.
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  402. The whole thing is utterly stupid. Person becomes person in time learning and sensing things. It's impossible to say exactly where the line should be drawn, except at birth. Be it human or whatever, you can't kill something unborn. Let alone murder... Simple as that.
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  403. The best way is to just not buy any of those. I ceased to buy Mynthons specifically because of that. Läkerol mint boxes are always properly full, when Mynthons always are some 15 % empty.
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  404. Rey was considered mary sue, because everything went just unrealistically and ridiculously easy for her. Just like for Finn. In original star wars Luke never used force until once in finale, and could just barely use the saber, until he became Yoda's apprentice in second movie. And that practice took long enough empire had half finished second deathstar at the time. When Luke constantly had a notion of his limitations, and shows uncertainty, Rey goes around with really annoying, unwavering self-confidence, always succeeding, and then she and Finn just pick up saber and fight off Kylo, who's learned the craft since kid and thaught by Luke. That's just stupid.
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  405. You know what's "maintenenance free battery"? It's a battery you can't maintain (by adding fluid) so you have to buy new one. Told me by local battery shop owner years ago, when those started to became the norm.
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  406.  @gregfordyce9476  Guess what? VAG actually have multiple different brand specific tools for oil plugs!
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  407.  @atubebuff  My father recently had problems with the e-brakes in his Volvo V90. All that was needed for retracting and moving the brakes was to put voltage into a pin in brake saddle. Even easier than with a cable handbrake! Of course, OBD2 is non-brand specific tool as well, that people should handle these days if they're fixing cars by themselves. Not sure though how much you can do for a basic OBD2 reader that is in the reach of DIY repairman. I've never had car that even has OBD, and I won't buy one unless I don't have any other choice.
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  408.  @atubebuff  Well. I'd say 300 quid is not bad when it's standardized system that works on every car.
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  409. You, that's definitely my strategy to a stock market refusing to cooperate :D
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  410. Norway hit the jackpot with their natural reserves in Europe. But you can't feel envious, when the money goes to fund one of the best welfare states in world and pension funds for all her populace.
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  411.  @winston3737  Not in Finland. You pay basic fee around 50 euros for visit. Though you only have to pay it once a month regardless how much you need health services. Similarly, medicine is heavily subsidised, and after 150 euro of payments (if I remember right) fully free.
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  412.  @constantineergius1626  You know this isn't a yes or no question? I seriously doubt you wish for complete anarchy which would simply mean we don't pay taxes for government, but for a mob protection rackets. Collapse of USSR is probably closest real world example what might happen that we have. If you want functional state, you need taxes: So crying about fairness is just plain stupid. Reasonable debate on how much and for what taxes should be collect for is always good though.
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  413. Here in Finland ground heat pumps are becoming standard quickly. Underground there's always optimal temperature ;) Ground heat pump keeps my in laws house warmth through even this winter; we had 3 weeks of temperatures below 30 celsius january to march.
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  414. Best way to prevent car theft is to drive a car no one would bother to steal.
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  415. Sweden may not have manpower, but respectable air and naval force. And a robust military industry to back them up.
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  416.  @SusCalvin  This is why I think Swedish-Finnish defence alliance would make perfect sense. Both are neutral, and Finlands focus on infantry and artillery plus air force would compliment sweden really well.
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  417.  @SusCalvin  I'm not definitely about that. Just consider defensive cooperation
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  418.  @seneca983  Ainfe you bring it up: Doesn't that imply that in your eyes it should?
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  419.  @seneca983  I detest the idea that someone can accuse someone else for whatever, and they'll be tainted by it regardless of whether there's any proof of anything. They kicked Rydman out for being accused? Not for something he had done. It's disgusting and I don't think it should be brought up, unless actual evidence shows up. Regardless of who it is and what my personal opinion of them is.
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  420.  @karigrandii  Why do you want to live in a world where people are lynched publicly and their lives ruined because of hearsay and unproven accusations?
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  421. I feel like the modern equivalent of his in modern cinema would be Ed Wood jr. Plan 9 from Outer Space is amazing movie.
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  422. This is really interesting question. I went back to this video now, as I suddenly recalled one thing about english I thought before and got into philosophical deep end with the matter. English speakers, and probably many other relative languages ask "what time it is?". And they refer to hours and minutes. The concept of time is abstraction, that's also very specific and exact. But I'm native finnish speaker. If you ask same literal question in finnish, answer would be 2020, or "modern times", or decade et cetera. Finn asks "how much clock is?", or "what the clock shows?". Word for time refers to much larger idea and scope. There is no abstract word for hours and minutes in finnish language. The passing moment is hours and minutes on the clock measuring passing of time, not actual "time" in same sense of the word it is for english speaker. I don't know what to make of that, but one thing is sure. There is no chance that it doesn't affect the sense of spatial time of the speaker in some profound way.
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  423. I just thought that doesn't sound bad at all. Then I realized he doesn't use Celsius. I have no idea how much that is...?
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  424. Same in Finland. However when the negotiations between unions and companies detemine minimum wages, every company in the same industry has to pay at least that minimum wage by law, even if neither employer or employee belong to their respective unions.
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  425. I don't get what was wrong with Mortdecai? Certainly wasn't the best comedies out there, but fun and entertaining movie to watch. 3/5 Better by a wide margin than 90 % of Will Ferrel movies for comparison...
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  426.  @drno87  True. In reality though most politics aren't about group vs indivivuals, but it can be a minor tangent in complex question that ends up sidelining everything, because people can't see past their ideological premise. You can't have reasonable political standing if you can't weight out your own ideological base. Ones standing should reflect the context, not his/her ideological viewpoint.
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  427.  @mattbrown5511  American civics? You do realize America is entire continent and not just USA? And I'm not american. These issues are universal in western world.
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  428. I don't think you should ever lock a goal when trading. You have to be able to adjust your position, and you always know more today than yesterday. No point sticking up to outdated info. I always sell too fast. Point to get out is when you conclude it's more likely for said stock to go down than up. Even if it continues to rise, you made smarter decision by going with the knowledge you had at the time and opting sure gains rather than gambling with it. And after selling you have more liquidity to invest something you assess is more likely to make profit, than now overpriced stock you jumped out of. There are some stocks I've bought and sold again 3-4 times this year. Yes I miight have made more by just sticking on some of them (one has risen 250%, while my positions on it might have made around 70 % together counted each individual sell out), but then some of them I've made double or triple the profit I could have just by holding them. And my money would have been tied to those stocks, with uncertain profit, and I couldn't have made other winning trades, while said stocks plateaued for months. Point is: Better to win than lose. You balance your profits with uncertainty, so it's always the best practice to try to keep the odds at your favor. Not worry about the past deals.
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  429. I think it's actually an invention of Volkswagen. They've had one in Wolfsburg for a long time and I recall there marketing of trips for a new car buyers to come and see it back in the day.
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  430. Plenty of movies are still shoot on film. And they all should. You just can't replicate that feel with digital cameras
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  431.  @shawnconway6009 Obviously they're all transferred to digital, but shot on the film, it still looks like film.
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  432. Greetings from Finland. How does free higher education really work? You kind of touched it in the video but didn't fully grasp on the main idea how it works here: It's specialised and socialised: There's rather specific sets of courses you go through to make you specialised for pretty specific type of jobs. Of course higher you go, more varied the range becomes, but in a nutshell that's how it works. Then government funds the universities based on the need for workforce, thus adjusting the availability of the education for the need. This means popular schools in education becomes really hard to get to, so there's pretty hefty tests applicants go through. And some, where you get if you just want to: It's dependendant on government planning forward how much each areas of expertise need newly trained workforce. Of course more popular the degree is, better the quality of students become. Some schools just take what they get, albeit it's far less of a problem, higher education we're talking about.
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  433. Yeah... This is why I just trade shares and don't use options.
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