• 34 Posts
  • 850 Comments
Joined 3 年前
cake
Cake day: 2023年8月27日

help-circle


  • freebee@sh.itjust.workstome_irl@lemmy.worldme_irl
    link
    fedilink
    arrow-up
    5
    ·
    15 小时前

    Because a lot of pension plans are very disappointing. They for example offer a ‘guaranteed’ minimum intrest of up to 2 % per year, but don’t forget the ‘management costs’ they charge. That’s very very low compared to regular inflation. Pension funds exist to make pension fund managers, traders and banks rich (now, not later) and so that the government can point at them and say “it was your own responsibility!” instead of offering ALL weak and old people enough to cover basic needs. And that’s to “motivate” as many people as possible to work as much as possible. If relatively young right now: you’re probably better off putting money away in time deposits with higher guaranteed intrest than putting it in pension funds. Or ETF/random stock picking for those who feel lucky. The state subsidies to choose pension fund instead of time deposit or direct market investments is in many cases also misleading: you get tax cuts when depositing into the pension funds, but you get taxed when you get paid out at pension age. All differs a lot in different countries, but the core of it is pretty similar all over I think.




  • freebee@sh.itjust.workstoFuck Cars@lemmy.worldTrains
    link
    fedilink
    English
    arrow-up
    1
    ·
    4 天前

    Of course the response is to just start of with high speed rail connecting major cities in high mobility demand, high population areas. You got plenty of those. Looking at population density of the entire country to decide on the feasibility of better passenger rail in the most densely populated regions is dumb.



  • New records are ridiculously priced! There are jewels hidden in thrift store bins or in some of the more “messy” looking record stores for very reasonable prices. Digging through the pictures and the names you may or may not know, to select albums based on their title and cover: there’s an incredible charm to that. I visit a lot of record stores, the ones that look too neatly organised and every single record is in a sealed shrink wrap, are the ones I leave rather quickly. I want my record store to look and feel like an old attic :)









  • As a cyclist, I’m all for e-bikes requiring a license.

    As a cyclist, I disagree. For traffic, we only need licensing on e-bikes that support people to go faster than ±20 km/h whithout pedalling to such speed by their own body strength. Basically: treat e-bike like the motorcycles they are. But ± 20km/h is a speed a normal healthy person on a normal non-electric bicycle can also easily achieve. It’s a generally safe speed in most situations. If it isn’t, it’s a mental health or sociopath behavior of the driver / very poor street infrastructure problem, but the light e-bike shouldn’t have to take the blame.

    On mountainbike trails (and on hiking trails!!!) i’m more in favor of something getting close a complete ban for anything motorised.








  • When I looked in to it on one of my parents’ sides, it’s like 15 generations/450 years of almost no mobility on a ±30km² area of 4 small villages around the same river… Only 2 generations ago did some break away from the area, mainly to larger cities nearby and for all the hundreds of others in the tree I researched I found only 1 older move to a big city about 150y ago. I’m assuming the no-mobility tree (tho sources end in middle ages) continues like that to Roman times and even further back. Before trains and cars, many people didn’t leave their birth area at all during their entire life.