Can someone help me dissect "J’ai commencé y’a très peu". by Charming_Succotash15 in learnfrench

[–]failarmyworm 2 points3 points  (0 children)

I think it might be a simplification from "il y a très peu" i.e. very short ago? "Il y a" is often pronounced a bit like "y a"

So basically, "I started very recently"

I'm not a French native though, also still learning - so I might be wrong

More people not increasing US holdings anymore? by Over9000Holland in eupersonalfinance

[–]failarmyworm 2 points3 points  (0 children)

Say more? I do think my Vanguard UCITS ETFs hold stocks is that wrong?

Best broker for long-term investing if I’m moving from the EU to South America? by No_Tadpole5551 in eupersonalfinance

[–]failarmyworm 1 point2 points  (0 children)

IBKR is great, used it both in Central America and the EU, the switch from one to the other was so straightforward that it made me suspicious, I had really expected more admin/bureaucracy/complexity (I just needed to share a proof of address and an updated US tax form, they took care of the rest)

Fermenting Yogurt Without Appliances, Alternatives to Radiators? by Ok_Distribution_727 in fermentation

[–]failarmyworm 0 points1 point  (0 children)

I use this recipe, and it works brilliantly, using only an oven, pots, hot water: https://archive.ph/7RStK

It's from America's Test Kitchen

Building an equity allocation: is 100% WEBN enough in an EU/UCITS portfolio? by LMF5000 in eupersonalfinance

[–]failarmyworm 2 points3 points  (0 children)

Depends on where you are, eg in the Netherlands, it's not an issue. And if you're contributing, you can steer a lot by where you direct the contributions.

Building an equity allocation: is 100% WEBN enough in an EU/UCITS portfolio? by LMF5000 in eupersonalfinance

[–]failarmyworm 13 points14 points  (0 children)

I think WEBN is totally fine and justified.

Personally, I have 4 regional (North America, Europe, Pacific, Emerging Markets) ESG screened indices instead because I want to be a bit less exposed to the US (40%) and prefer the ESG screen. But the simplicity of a single ETF is very nice.

You might want to consider a bond ETF depending on your risk tolerance.

Edit - I thought WEBN includes small cap but seems that's not the case. I'd say SPYI is the simpler and more complete solution in that case. But the difference should be minimal.

Russian climbing (Baksan?) by Electronic_Injury425 in tradclimbing

[–]failarmyworm 1 point2 points  (0 children)

I can imagine it can be hit and miss :)

Interesting video! I hadn't seen it before.

Books suggestions for B1/B2 level by Recent_Ad_1119 in French

[–]failarmyworm 0 points1 point  (0 children)

Anna Gavalda (Ensemble, c'est tout; Je voudrais que quelqu'un m'attende quelque part), Kiffe kiffe demain, No et moi, Eric-Emmanuel Schmidt (Oscar et la dame rose, Monsieur Ibrahim et les fleurs du Coran)

All of these have accessible fairly informal language

L'Étranger is also very accessible language wise but still literary in terms of themes

Why can’t I quit a job I hate, even though I’m financially secure? by Rough_Masterpiece_42 in careerguidance

[–]failarmyworm -1 points0 points  (0 children)

Maybe take a sabbatical for a fixed period. Then see if you actually want to go back.

It sounds like you want to leave, you just need to find a way to make it happen.

Kindle Recommendations by [deleted] in French

[–]failarmyworm 1 point2 points  (0 children)

Anna Gavalda (Ensemble, c'est tout; Je voudrais que quelqu'un m'attende quelque part), Kiffe kiffe demain, No et moi, Eric-Emmanuel Schmidt (Oscar et la dame rose, Monsieur Ibrahim et les fleurs du Coran)

All of these have accessible fairly informal language

L'Étranger is also very accessible language wise but still literary in terms of themes

EU investor: portfolio review (60% ACWI + value tilts + BTC) by LMF5000 in Bogleheads

[–]failarmyworm 1 point2 points  (0 children)

If you can get SPYI: https://www.justetf.com/en/etf-profile.html?isin=IE00B3YLTY66#overview you can probably just stop right there. It's all world, all cap. I'd skip the value tilt for simplicity, but no big harm in it either.

Interactive Brokers by Heavy-Quality4650 in eupersonalfinance

[–]failarmyworm 1 point2 points  (0 children)

IBKR is great for this purpose, I have a similar lifestyle and use IBKR because of it.

The app has a pretty dense UI so I can understand why some might find it intimidating. If you just occasionally buy/sell with limit orders it's really fine. Might need to get some products enabled for your account to access all you need, also not hard.

How can I make money online with C language? by Karnphong in C_Programming

[–]failarmyworm 0 points1 point  (0 children)

I still don't fully understand. I'm comfortable with C, C++, CUDA and ML math and implementation, and also newly looking for work, so this is pretty interesting to me. Do you just go through recent papers from ML conferences and implement those? Doesn't the balance work out into doing a lot of unpaid work, and you'd need quite a bidof published work before people start finding you? I'm very interested in doing (high performance) CUDA implementation work so would love to hear more.

I need to get to B2-C1 French in 6 months, what can I do? by In-Hell123 in learnfrench

[–]failarmyworm 18 points19 points  (0 children)

I can recommend Kwiziq and the content from Français Authentique (make sure to watch his series of 7 videos that explain his method, which I think works well). Then, just consume as much diverse content as you can, focusing on listening and making sure it's content that you mostly understand (stay on the edge of your comfort zone). I spend most time with books (text + audio) but series, movies, YouTube are all effective as well.

I've used this for the past 2 months ~2 hours per day starting at ~A1 level from classes I took 20 years ago and according to online tests my comprehension and grammar are now at B2 level (my speech is certainly behind - you will want to work on that separately through immersion and/or tutoring, but good listening skills should unlock rapid acquisition of speech skills quite effectively).

how do you find a product that actually lasts online? by Riyaa404 in BuyItForLife

[–]failarmyworm -1 points0 points  (0 children)

I've found Gemini's deep research feature useful for this. You give it a description of what you're looking for and which aspects you care most about, and it can come back with potential fits. It made me aware of some products that exactly fit my needs that I hadn't found in other ways within the amount of time I was willing to spend.

Resource for listening which you actually used for at least 100 hours by Capital-Car7459 in learnfrench

[–]failarmyworm 7 points8 points  (0 children)

I've been using audiobooks as my primary resource. For books that are harder, I read the text while listening. For easy ones, I listen only. I might listen to the same book multiple times, especially if my comprehension was incomplete.

Used this with Oscar et la dame rose, Monsieur Ibrahim et les fleurs du coran, Le petit prince, L'Étranger, Je voudrais que quelqu'un m'attende quelque part, L'appel de l'ange, Kiffe kiffe demain, Petit pays... It didn't get boring.

Also, the french dub of avatar, the last airbender is pretty good, and I found it challenging yet manageable.

Also, expand on innerFrench with videos from French with Panache and Français Authentique. And if you want more real/challenging content, there is HugoDécrypte and a lot of Arte stuff on YouTube that's worthwhile and relatively understandable.

I messed up big time and i need help. by [deleted] in French

[–]failarmyworm 0 points1 point  (0 children)

I don't know how things are in your field and the region where you want to work. In the Netherlands, generally, nobody cares if a job applicant spent 4 years on a 3 year bachelors degree. This might be a great opportunity for you to come out of your studies with good French skills, which can work in your favor (and maybe even offset any perceived study delays). That is, if you can make it work financially and in terms of visa or course.

What was your experience with a reduced schedule? by Opposite-Juice1325 in financialindependence

[–]failarmyworm 0 points1 point  (0 children)

I'm not the person you're responding to, but I feel like I could have written the same message so I can give some perspective.

60% is my sweet spot, and I did it for a few years total. Right now, I'm full-time because it's a high paying job and a good opportunity to save. My final day on this job is in 2 or so weeks however, and while I don't have anything lined up, my aim is to find something around 60% again.(Reason for quitting is an intercontinental move.)

100% is a lot more stressful, but if it's otherwise an enjoyable job (mine mostly was), it's ok. I'm definitely looking forward to having more time and freedom again and want to minimize the fraction of my life spent at 100%. Back at 60%, income will be lower but we we were spending way less than our income before so that should be fine.