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Cake day: June 16th, 2025

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  • I grew up somewhat poor, small town with no fast food, post-soviet nation. We had a garden and a greenhouse. I was a teen when I found out how flavourless tomatoes can be. Because we’d always grown our own and didn’t use them as much in the winter when they needed to be bought from the store lol




  • I mean when it comes to subjects like math, languages and the various sciences - absolutely, they provide you with some basic tools that you may or may not use later in life. History is the fucking worst though. And a lot of it is the teachers’ fault. You could design tests to be more about explaining what happened, why it was important, etc. But at least in my school, you could barely get a passing grade on only that type of knowledge. You really needed all the dates and shit memorized for a good grade. Really strict teacher, not pleasant at all. Funnily enough - if you took any of her elective classes (extra history and philosophy) that only had like 6 or 7 students each, she was a very different person and the tests were a lot more about your general understanding, rather than being rally anal about very specific facts.

    There’s no standardized testing for history in Estonia. No final exam to worry about. The teachers make up their own tests. Only in a few subjects did we actually have national exams. Estonian, English and math are the ones I had to take in high school. They could make significantly better tests if they wanted to. Teachers vary a lot by quality too, so in middle school my biology grade was a 3 (lowest passing grade in Estonia) and in high school it was a 5. The middle school teacher sucked at keeping students interested and the tests were uber strict. Miss one word in an explanation and you lose the point. The high school teacher was way friendlier, more engaging and paid more attention to what you knew, rather than how well you knew the minute details.


  • Thanks for doing the research. I did two small investments through Goparity, as I liked the diversity of projects and the statistics they provide on past projects. I may check out a few of the others too.

    If these pan out, I may do slightly larger sums through my company. Allows me to use pre-tax money so the impact is greater (more money available to invest) and one day when I’d like to actually withdraw the profits from the company, I’ll have to pay taxes anyway, so really I’m just deferring taxation, not avoiding it.


  • Okay, first off, BlackRock isn’t as bad as you think, their controversies section on Wikipedia literally lists being too focused on ESG. They’re far from perfect, but they get all the flak while Blackstone is the one buying up entire neighborhoods worth of single-family homes so they can jack up rent. BlackRock is more of a passive investor, they make most of their money by selling investment services, rather than making money by investing it in companies directly. Usually. But of course I understand wanting your fees to go to a European-registered publicly traded company rather than an American-registered publicly traded company. I was actually looking for more eurocentric ETFs sold by European providers a while back.

    European alternatives to BlackRock’s iShares are Amundi (French), Xtrackers (DWS Group, 80% owned by Deutsche Bank which is almost shadier than BlackRock if you ask me) and BNP Paribas Easy (French). There are some smaller ones too. Xtrackers seems to have the most variety, but don’t discount the others just yet. BNP Paribas Easy tends to have lower fees and Amundi has a great selection too.

    Now, here’s the bummer: Buying shares in ETFs doesn’t do shit for the companies whose shares the ETF is going to acquire. First off, if you just buy your ETF shares off a market, you’re betting on the value of the ETF going up, but the money you spend goes to the people who held those shares. If you buy the shares in such a way that new shares are created in the ETF, that has a more direct effect on the share prices of the companies that ETF holds. But even then, you’re not REALLY giving them any money. You’re making a bet on them. The share price going up might have a positive effect if they’re trying to raise money by creating new shares, but that’s about it. Really, it’s just a way to feel good about yourself more than anything.








  • Life itself is nothing more than a collection of anecdotes. Outside of math and philosophy, all our knowledge is based on anecdotal/empirical evidence. And in terms of psychology in particular, “everyone”, “always”, “never” and “nobody” aren’t really terms you should use. I never said everyone with red hair is insane or something, I just said a large amount of people with bright red dyed hair seem to have issues. It’s a red flag to keep out for.

    Now the question is, how deeply did you know all the people sporting bright hair colours, and can you be sure for real that most of them had no traumas they were dealing with? Someone being “reasonable” doesn’t mean they’re healthy. Nor does having mental health issues mean you have to be unreasonable or even unpleasant.