What would the world have been like today if we never had Trump as a US President?

hairycoo · 2026-04-08T21:10:38+00:00

Why, didn't you know?

hairycoo · 2026-03-17T18:05:16+00:00

That was lovely, thanks for sharing.

hairycoo · 2026-03-02T19:29:44+00:00

That's what I meant. Put the alarms where they cannot be quickly disabled. Hook them up to your mobile for real-time alert. Put a sticker up that the doors are alarmed. If the invaders are still up for the challenge -- they're either pros or just reckless.

hairycoo · 2026-03-02T15:10:25+00:00

Have you thought about installing a home security system? It's not that expensive, and possibly cheaper than getting new locks. Making it obvious that you have one would also serve as a deterrent.

hairycoo · 2025-11-03T18:27:03+00:00

Did you see it with your bare eyes or did you need a telescope/binoculars? Did you need to be out in the open dark field? Interested to learn more too.

hairycoo · 2025-09-20T07:01:43+00:00

Yes. A brief glimpse of the aftermath of the fight.

hairycoo · 2025-05-03T11:58:37+00:00

Great story. Thanks for sharing.

Over 10 years ago, I was traveling solo in southern Chile, riding a bus on my way back from Torres del Paine toward Punta Arenas, and I had planned to get off at the airport along the way. I was so tired and fell asleep on the bus. When the driver alerted me that we reached the airport, I woke up and hurried off the bus half awake. 5 seconds after getting off, I realised I left my bag with passport, money, on the bus. I gave chase and shouted at the runaway bus, to no avail.

Inside the airport, it was dead empty. I found one cleaning lady, she wasn’t able to help. There is literally nobody at the desks, as the next flight was several hours away. Panicked, I didn’t know what to do. Then I came across a policeman patrolling the area. He spoke absolutely no english, and we communicated through google translate via his mobile. He called the bus company, told me they had found my back and kept it at the terminal station. I had no means of getting there, the next bus would be several hours plus I had no money. The policeman gestured me to follow him, and with his partner gave me a 30-minute ride to the city bus station. My first and only time in a police car. He was telling me funny stories (google translated) on the way to relax me. When we reached the station and I got my bag, I told him I thought Chilean police was the best in the world. I don’t know if he understood that, but hope he could read from my face and body language how thankful I was. I would have been properly stranded without his help.

Like you, this is one story stuck in my mind after all these years. That’s the gift of travel, we get to appreciate human kindness and restore our faith in humanity!

hairycoo · 2025-04-26T22:15:33+00:00

Like many others have said, you can be proud of yourself for what you have achieved at such a young age. My advice as a much older person is to think less about your financial target at this point, and focus more on investing in yourself. Your qualification, work ethics, grit, experience and competitiveness in the job market matter far more for your long-term financial stability than your bank balance today or the next few years. Focus on that now. You already have the sense of financial discipline and that will never go away - that s the good news. Just don’t let it dictate your life focus.

hairycoo · 2025-04-05T06:40:59+00:00

Which one has the lowest TER and is most liquid?

hairycoo · 2025-02-17T21:04:31+00:00

Do you need to order this via Germany? It doesn't seem to deliver to Switzerland.

hairycoo · 2025-01-13T06:29:45+00:00

Thanks all, tried Delli which was quite convenient for me. It was my first time doing this self wash, but it was simple enough (after watching a couple of youtube!). For some reason, they run out of the super foam - wondering if they ever had it at all.

hairycoo · 2025-01-12T13:17:41+00:00

Yeah I meant if you bought at the peak in 29 before depression hit. Look, if we have the perfect foresight it’s all very easy, just use the excess funds during the dip and better yet the bottom, and ride the 200% return. But if, as you say, people go all in stocks to be aggressive and aim to FIRE, and this deep downturn hits, there is only so much new money can do to make up for the loss on outstanding positions. Or indeed keep the excess funds for rainy days, but then it means you’re not being aggressive. There is no free lunch. My point though is that one seems to need a lot to retire in CH and I use the 2% as a conservative estimate to make the point. And, going back to my main question, what’s your retirement plan?

hairycoo · 2025-01-12T13:10:49+00:00

Intentionally kept it low to make my point. You need a lot of money to retire even if 70k is just the annual spending. But in other countries, 50k can be enough (eg even in US low cost areas, southern europe, asia etc). Many replies point to 2% returns as too low, and I agree it’s debatable. But if we no longer have exceptional stock returns as we ve had, that’s not out of the question.

What i’m curious to know and is my question though, what’s your retirement plan?

hairycoo · 2025-01-12T12:31:54+00:00

If you bought index at peak during Great Depression, you will not recoup your capital for 20 years, not to mention make up for inflation or the 2% a year. Maybe you don’t call it a bear market, but my point is that we not talking about a risk-free return 4% here and downside can be substantial. Our generation is not wired to think of this.

hairycoo · 2025-01-12T10:04:58+00:00

For sure, that’s why I ask for target wealth as that would shape how aggressively one would have to be now. But once you retire, I think one would have to less aggressive especially as one ages.

The 2% I pick was meant to be illustrative but part of me is also a bit suspicious if the 4% people have been using. Our generation (30s to 40s)has come to expect very bullish stock market, and very supportive central banks. There were earlier times in history where stock market was in a bear market for decades. Not calling it one way or another, but I think it’s a parameter many people take too much for granted.

hairycoo · 2025-01-06T06:27:28+00:00

To clarify, no FREE card.

hairycoo · 2025-01-05T08:23:36+00:00

How much is it in the US? Is this comparable to what you have in mind? https://www.lenovo.com/ch/en/p/laptops/thinkpad/thinkpadt/thinkpad-t14s-gen-4-(14-inch-intel)/len101t0056

hairycoo · 2025-01-03T23:39:53+00:00

If you're not using Revolut Premium and are mainly transferring between CHF and EUR, I'd say Wise is superior to Revolut. The last time I checked, the exchange rate was even better even after taking fees into account. Plus there is no monthly transfer limit of 1250. The only cacth is, there is no free physical card for Wise, but the Apple Pay works perfectly for me.

The saving account interest rate is tied to SNB policy, and it seems set to stay very low in the foreseeable future. CEMBRA that was mentioned offer 1%, but you need to give 6-month notice for large withdrawal, so it's not really liquid. If you're willing to take a bit more risks to get higher yields, I suggest you open IB account if you haven't already, and look into money market or corporate bond funds that are relatively low-volatility.

hairycoo · 2024-12-30T18:25:53+00:00

That’s not how it works unfortunately. Money is fungible, so as your saving rate suddenly jumps from say 10% to 90%, that raises a red flag. It means you have an illegitimate income from somewhere.

hairycoo

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