A year ago I moved my pension from a combination index fund consisting of mostly US company ran index funds to a different combination index fund that consists of mostly European ran index funds (and had a slightly less American stocks in it). Complex pension system, most index pension funds ran by our banks here consist of 5-6 different index ETFs. It’s a special category of fund that you invest into automatically each month from your taxes, and the government also contributes too. This is deducted from your taxable income and you pay reduced income tax on it when you retire (or maybe it was no income tax, I forgot)

Now I moved out of the bank-composed index fund altogether and in the month of May (you can only move funds 3 times a year on predefined dates and have to plan it well in advance), the existing monies will be reinvested in a selection of ETFs I selected to specifically have no US stocks. As for fund managers, I have a tiny bit in one iShares fund and one WisdomTree one because they were a bit unique (the WisdomTree one is Europe defense industry), but the rest is all Amundi, which is French. Any new deposits are already going into my selected ETFs.

If Trump truly fucks up the US economy and the US dollar, my retirement fund should be fairly safe after this move is complete. Unless Europe and Asia also crash and burn. But I have a few decades left to build more value anyway, I’m 30 and won’t be able to retire until at least 65 (the retirement age was set to rise gradually so the later you were born, the older you’ll have to be to retire, yaaaay)

What are you on about? Which AM5 CPU can you drop in an AM4 mobo?

Oh right, Dativ.

My excuse is that I come from a language background with no articles, so declension on articles are unnatural to me! In fact, articles are unnatural to me!

In Estonian, the noun cases for that word would be

kool

kooli

kooli

kooli

koolis

koolist

koolile

koolil

koolilt

koolini

koolina

koolita

kooliga

kooliks

We have 14 of those so we get to skip prepositions and thus only need to decline the noun itself and any adjectives in front of it (or behind it if you’re writing a poem and it flows better that way, Estonian is very weird when it comes to actually sentence ordering the words in a)

Welllll

WC stands for Water Closet and I think Klo is short for Klosett?

The brits also call it the ‘loo’ which doesn’t sound too far off from ‘Klo’ I think

So it’s not actually that hard to infer what it means

To be fair I did take like 6 years of Deutsch in die Schule, aber ich habe alles vergessen + I’m not entirely sure we ever learned the word “Klo”. Maybe we did.

Netflix may be the last one of the big tech corpos that still has some people that care in positions of influence as it’s newer than the others and their business model isn’t outright spying on their users.

Unfortunately it won’t last forever. People burn out. Corporations burn them out.

It’s cheaper. It’s almost definitely a better seller. The S was supposed to be a luxury car. It’s bigger, has air suspension, etc. But most people don’t want to pay a premium for stuff like that.

Luckily they’re gone from my country for a decade or so already, bought out by a local chain.

But we still have Circle K which is also American :/ and has the only good hot dogs unfortunately

Zero offline shops, there’s no implementation yet. And it will be smartphone based (qr code), no cards. Battery empty? No pay.

It’s just bank payments without having to write the IBAN, and a standardized interface for online store payments when ready.

That’s not a thing anymore for amounts under 10k or something. Unless your bank is shit and doesn’t automatically use sepa instant, which is free and instant.

A union of nation states that value freedom.

United States of Freedom?

To the hiis!

“It could take more than 3 months but it definitely will take more than 6”

That’s why I used e.g instead of i.e :) That’s one use case for Apple Pay that you can’t get from the website. Another would be that you don’t share your card details with whoever Patreon’s payment processor is - which might make sense if you trust Apple more than some particular processor

Creators choose if they’re taking the cut or the users are paying extra.

Huh? It’s the businesses that will suffer from that 30% tax. It’s like suddenly seeing your Netflix subscription being more expensive and that triggers this “do I even need it anymore?” evaluation

Has been this way for a long time. You pay through Apple, you pay more. You pay on the website, you pay the regular fee.

If it costs 13€ to support a 10€ Patreon pledge, then how do you expect the company to cover for that? Paying the creator less? Still, that will spawn competition, which again hurts the business

The creators are the ones who choose how they handle this. Either charge their 10€ tier as ~ 14.29€ or receive 7€ instead of 10€ when it comes to Apple users.

The businesses ain’t gonna suffer shit.

You can already pay on the website. If you pay through Apple Pay and therefore pay the extra 30%, that’s kinda on you at this point.

Cunt move by Apple, but the in-app purchase payment processing going through apple only rule has been there for a long ass time, Patreon got pretty lucky that they were given so much leeway for so long.

Patreon gives creators the option to either increase their prices in the iOS app only, or absorb the fee themselves, keeping prices the same across platforms.

It’s already an option and if you read the article, only 4% are still on the legacy billing system (no Apple tax at all)

iOS users using a browser don’t pay the Apple Tax. And the only reason to pay through the app is if you specifically want to use Apple Pay (e.g to pay with your phone bill instead of your credit card).

At this point it’s a “stupid tax” more than anything.

Your opinion of Apple is generally valid, but as an Apple user for the last few years, I’ve never actually seen Apple push me to install an app. It’s always the website itself saying “it’s even better in the app!” or something.

Most likely the app exists just because people don’t know how to type patreon.com into the browser anymore

Full functionality is available on the web AFAIK. And if you subscribe on the web, there’s no Apple cut, but you can still use the app to see said content.

It’s an inconvenience, but a super easy one to get past and not exclusive to Patreon so a trick any Apple users should know anyway if they enjoy paying subscriptions for things (Netflix, Spotify, whatever)

Hi Vova