Yes, it’s alphabet soup, but no, the choices are not complicated.
In USA? Buy VOO.
Not in USA? Buy VEU and maybe VOO if you want.
Yes, it’s alphabet soup, but no, the choices are not complicated.
In USA? Buy VOO.
Not in USA? Buy VEU and maybe VOO if you want.
So we trust our money to some Wall Street type, and then get called stupid when we pick the wrong dudes.
99% of account managers and financial advisors are just some dude. The only sensible thing to invest in is an index fund like VOO, SPLG, FXAIX, IVV, or for non-US stuff, VEU, VSS, or something else based on an index appropriate to your needs.
Genuinely, the best known growth strategy in a capitalist market is also the lowest-brain strategy. Buy an index fund, and then do nothing.
Everything else is just giving money to someone else to do a worse job on average.

18% of Americans were unable to select the correct option:
A) The Earth revolves around the Sun
B) The Sun revolves around the Earth
C) I don’t know
Edit: I found a source for 26% before I found the source for 18%
Anyway, I guess what I’m saying is, no matter how obvious it is, there are tens of millions of Americans who will easily get it wrong.

Yeah, but how do you get 10 million dollars?
It doesn’t matter. Investments do not care where the money comes from.
You worked as a surgeon for 20 years while living with parents and not paying bills? $10 million.
Your great great grandfather was a plumber and built up some wealth and your great grandfather was an electrician and built up more wealth, and… your father works in real estate and all of these people set you up with a trust fund and you start out with $2 million, and then you withdraw 100k per year to live on, doing nothig else for 17 years, and your fund slowly climbs to $10 million. Well, that’s also $10 million.
You’re one of Nancy Pelosi’s kids and she gives you a $10 million fund on your 18th birthday? Thats $10 million.
Do you see now how having $10 million doesn’t reward the traits of any of these people? It only rewards having $10 million. It does not matter how you acquired it.

Median salary for a surgeon is $450,000/year.
Someone with $10,000,000 in VOO can withdraw $450,000/year, and still compound their wealth year over year, without working at all. The absolute worst case scenario is that they start doing this at the start of a recession, like mid 2007, in which case, they would STILL be compounding their wealth year over year, with the exception of the short time it took to dip.
Simply having $10,000,000 and sitting on your ass > Being a surgeon.
Oh yeah, and that’s all before taxes.
So yes, to some extent, society rewards skill. But it is FAR more rewarding to the people who already have wealth.

Definitely use bread flour if you make it yourself. The higher the protein, the better, because the protein is what you’re getting out of it.
To get 4lbs of gluten (dry weight), you’ll need 30lbs of white flour. You’ll get seitan for about half the price if you make it yourself (assuming flour is $0.50 per pound)… but I honestly think it’s so cheap that it’s worth it to buy the pre-processed gluten powder. Also because I’ve tried making it myself from flour, and I just don’t get good results.
4lbs of gluten is 4lbs of pure protein. If you eat 50 grams per day, it’ll last 36 days.

Yes, eat more than one kind of thing, obviously.

If you can afford to gamble $25 on the advice of an Internet stranger, do this:
Buy a 4lb bag of Vital Wheat gluten. (Can be aquired on Anthony’s Goods website.)
Mix it about 50-50 with water, and just… do stuff with it.
Example1: Mix 350 grams of gluten powder with 450 grams of water (Optional 5 grams of MSG) and stir it together until it’s a big blob. Pick it up and stretch it in every possible direction and knead the absolute shit out of it. Divide into 7 portions, and place on a greased cookie sheet. Bake at 250°F/120°C for about 2 hours. You now have a 50 grams of protein blob for each day of the week, to be sliced and dovided however you wish throughout the day.
Example2: Get a ripping hot skillet and dump in Some™ gluten powder and Approximately® twice as much water and vigorously stir it with, like, a fork or something like that, and dump some cooking oil on it as an afterthought, and dump some spices in it and boil off all the water to make a fake Taco meat mix. If it sticks, take it off the heat and add a splash of water to unstick it, and it’s okay to jave juicy taco seitan crumbles. You actually cannot fuck this up.
Enjoy.
Windows XP predates Chrome by 7 years.
The more the traffic gets slowed down by pedestrians crossing, the more the coty planners will look at the design of their intersections to improve safety.
Always hit the button, even if you’re not going to wait for the light.
A left turn lane, a right turn, and a through lane is normal?
No. No it’s not. That’s a design for a major artery, not for every single street with shops on it. If you grew up in the United States, and haven’t traveled, I’m afraid to tell you that you’ve never seen good road infrastructure in your life.
Me neither, but yeah, I’m making the same assumption.
So like, a bag of chicken frozen into a block… Thawing it in hot water WILL make it thaw faster, but it will also make the bacteria grow faster. Don’t do that.
… Isn’t the centerpiece the fact that you SHOULDN’T thaw food in hot water, because of bacteria?
If I understand correctly, the result of this process was coffee-flavored oatmeal, with no cream or sugar?
I also do this, by pouring hothothot coffee over some oats to soften them. It’s a lot better if you add something sweet, though, like dates, coconut cream, maple syrup, etc.
Apes of the Nation.
Oh shit.
That’s a good guess, actually.