Must also be a new user,Here's all you have to do.

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https://a.webull.com/NwcteobIl2So9ECRcD
How this works: I get a bonus for you using my link, Upon you using my link I take some of my bonus to pay you the 35, I usually get 50 so I keep 15 (Not a lot ik but its better than nothing and I can't do it without you)This is why I need you to wait until your deposit is settled (To which you can withdraw immediately with the free sign up stocks, Usually people get around 65-75 dollars on average)

I unplugged my DVD player from my tv to clean and when I plugged it back in to the right spots my tv stopped displaying videos.

So I work for a mid sized MSP, and started on level 1 phone support about 6 months ago. Fully remote.
Things have been great. I’ve been learning a lot, pay isn’t great but honestly with the tech exposure and newness to the industry, I’m very okay with it. Comes out to about 23/hr. Call volume is about 20-30 a day.
Recently, the company is going through big change and I was told for the first time in a meeting of 20 people that I’d be switched to onsite field technician work, driving around helping clients.
My take is that, I feel I just started, and now there’s a huge role change that will require traveling. I applied to remote jobs because my car is terrible and I don’t feel comfortable driving it hours per day. And now I’m expected to just be an onsite person when that is never what I intended on doing in this role nor was it talked about ever.
Is this a normal thing to be forced into? Should I just get over it or is this something to speak up about? What if I get fired because I don’t want to drive my car around all day?

Mit Pina Colada entspannt und SORRgenfrei am Strand.

TLDR
10% USA AktienIE00B5BMR087iShares Core S&P 500 UCITS ETF (Acc) 20% USA AnleihenIE00B3VWN518iShares USD Treasury Bond 7-10yr UCITS ETF (Acc) 30% Ex-US AktienIE0006WW1TQ4Xtrackers MSCI World ex USA UCITS ETF 1C (Acc) 10% RohstoffeIE00BD6FTQ80Invesco Bloomberg Commodity UCITS ETF (Acc) 30% GoldDE000EWG2LD7EUWAX Gold II
Vox Populi
"Ja spinnt der, 30% Gold?" "Viel zu wenig Aktienanteil" "Keine Emerging Markets?" "Wo Dividenden-Aristokraten, Bubi?" "Ohne REITs vollkommen abseits vom Schuß" "Moment, kein heiliger Gral?" "Ich hasse Strände"
Cāsūs bellī***\**^\1])*
Nehmen wir an, ihr geht als Bürger eines europäischen Landes genau heute in Rente. Egal sei, ob FIRE ("financially independent, retire early") mit 40, Erbschaft mit 50, oder eher regulär mit 60. In eurem Depot habt ihr eine Summe angespart und ihr fragt euch, wieviel in Prozent kann ich pro Jahr entnehmen, ohne daß das Kapital innerhalb von 30-50 Jahren vorzeitig aufgezehrt ist. Die Entnahmesumme soll jährlich der Inflation angepasst werden, sonst gäbs nach 15 Jahren ja nur noch das Kinderschnitzel.
Leider schreiben wir das Jahr 1990 und ihr habt alles in den "heiligen Gral" der Zeit, einen Nikkei 225 Indexfund, gesteckt. Es wird horrende 34 Jahre dauern, um zurück zu einer schwarzen Null zu kommen^\2]). Oder wir schreiben das Jahr 2000. Kurz darauf platzt die Dotcom-Blase. Bis zur schwarzen Null im S&P 500 sollte es bis Mitte 2007 dauern. Nur um zwei Jahre später, im März 2009, einen Double Whammy zu erleben, der den heiligen Gral seiner Zeit, einen FTSE All-World ETF, satte -59.5% talwärts schickt. Oder wir schreiben das Jahr 2024. Die Inflation aufgrund mangelhafter politischer Ausgabendisziplin hat innerhalb weniger Jahre 30% eurer Buying Power aufgefressen. Wieviel könnt ihr, bei Rentenbeginn heute, jedes Jahr entnehmen, ohne daß euch vorzeitig das Kapital ausgeht?^\3])
Anders gesagt, die bloße Konzentration auf jährliche Steigerungsraten bei der Geldanlage geht gern und schnell in die Hose, wenn man anfängt, davon profitieren zu wollen.
Portfoliocharts und Brute Force
Das Problem ist nicht gerade neu und wurde 1994 durch William Bengen genauer aufgearbeitet und so einem breiteren Publikum bekannt. Sein Fazit: 4%^\4]). Andere kamen auf 3%. Opfer des örtlichen Bildungssystems glauben gar, man könne die durchschnittlichen Zugewinne eines Portfolios von mithin 8%-11% direkt auch wieder entnehmen.
Um sich selbst ein Bild zu machen, hat Tyler von Portfoliocharts Daten bis 1970 zurück zusammengetragen und im April 2024 eine Studie veröffentlicht^\5]). Als generelle Anlageklassen wählte er Aktien und Staatsanleihen jeweils Inland und Ausland, Geldmarktfonds Inland, Rohstoffe, sowie Gold. Als Länder konzentrierte er sich auf Australien, Kanada, Frankreich, Deutschland, Italien, Japan, Niederlande, Spanien, United Kingdom, sowie USA. Alle Anlagen in allen theoretisch möglichen Portfolio-Kombinationen gewichtete er der Reihe nach von 0% bis 100% in 10% Schritten. Per Simulation ermittelte er dann für eine 30-jährige Entnahmephase die beste maximal mögliche Entnahmerate für den absolut ungünstigsten Startzeitpunkt.
Dieses beste Portfolio seht ihr oben. Sichere Entnahmerate 4.6%, leichter Bias auf die USA, steueroptimiert, und ohne MiFID-II-Tricks kaufbar in der EU.
Höchste Entnahmerate für ein Single-Asset-Portfolio? Ich höre die DBX0AN-Fans schon jubeln, es waren die Geldmarktfonds.
Schlechtestes Single-Asset-Portfolio? 100% Gold. Im Podcast mit dem Autor^\6]) wird Gold mit Backpulver als Zutat für einen Kuchen verglichen. 100% ist ungenießbar, aber auch mit 0% wirds kein rechter Kuchen. Für ein mathematisch optimales Ergebnis, basierend auf bisherigen Kursverläufen, braucht es die korrekte Mischung. Die eigene Intuition leitet einen hier vollkommen in die Irre.
Optimierungen
Während Tylers Simulation ein Aggregat aller genannten Länder enthält, um auch pathologische Fälle wie Japan 1990 einzubeziehen, habe ich noch ein paar für mich wichtige Soft-Faktoren einfließen lassen.
Die Anzahl Milliardäre in einem Land sehe ich als Zeichen wirtschaftlichen Erfolgs. Nur dort will auch ich investieren. Hinzugesellen müssen sich Rahmenbedingungen wie freier Kapitalverkehr oder vorteilhaftes Steuersystem. Die USA und Deutschland sind weit oben^\7]). Aufgrund Aktienkultur, freiheitlichem Wirtschaften, Bevölkerungsentwicklung und zur geopolitischen Diversifikation wählte ich die USA.
Alle Assets sind liquide ETFs. Was nicht börsentäglich leicht und auch in höheren Stückzahlen verkauft werden kann, kaufe ich nicht.
Gewinne werden thesauriert, Portfolio auf Autopilot.
Bei Gold gibt es die teils schon bekannte deutsche Besonderheit, daß nach einer Haltedauer von einem Jahr keine Steuern auf Gewinne anfallen^\8]). Dies bedeutet, daß ein Rebalancing beim Gold ETF immer erst nach 365 + 1 Tagen erfolgen soll, mithin das Rebalancing im Jahresverlauf etwas driftet.
Währungsrisiko US-Dollar
Starker Dollar schwacher Euro ist kein Problem, ihr profitiert bei Entnahme, bekommt mehr Euros. Schwacher Dollar starker Euro bedeutet, daß Dinge wie Energie, die ihr indirekt in US-Dollar bezahlt, günstiger werden, da diese weltweit in der Regel in US-Dollar gehandelt werden. Das verbleibende Delta kann man meiner Meinung nach ignorieren, mittelt sich nach 3-5 Jahren durch Gewinne vollständig heraus. Es gibt weitere Effekte wie fallende US-Aktienmärkte stärken den Dollar, die einem hier in die Hände spielen. Absicherung lohnt in der Regel nicht, und kostet Rendite.
Rechtlich gesehen***\**^\9])*
Fußnoten
[1] Leser mit großem Latinum fragen sich sofort: Oho, Plural? Ja, denn eine Vielzahl Faktoren kann einem die Tour vermiesen. Die Ruhe am Strand mit Pina Colada ist schnell vorbei, wenn das Portfolio aufgrund falscher Taktik -50% anzeigt. Aber ich will nicht vorgreifen.
[2] https://extraetf.com/de/news/etf-news/der-nikkei-225-steht-nun-erstmals-hoeher-als-im-jahr-1990
[3] Für Nerds: Karsten Jeske, ein in die USA ausgewanderter Deutscher, hat diesem "Sequence of Returns Risk" ("SORR"), sprich zur absolut falschen Zeit in Rente zu gehen, eine große Zahl Blogposts gewidmet. Niemand hat das Thema fundierter aufgearbeitet als er. https://earlyretirementnow.com/safe-withdrawal-rate-series/
[4] https://en.wikipedia.org/wiki/William_Bengen
[5] https://portfoliocharts.com/2024/04/01/what-global-withdrawal-rates-teach-us-about-ideal-retirement-portfolios/
[6] Hörenswerter Podcast: https://many-happy-returns.captivate.fm/episode/building-a-bulletproof-retirement-portfolio
[7] https://en.wikipedia.org/wiki/List_of_countries_by_number_of_billionaires
[8] https://extraetf.com/de/wissen/besteuerung-von-gold-etc
[9] Alle Angaben ohne Gewähr. Keine Anlageempfehlung. Ihr seid für euer Tun, euer Leben und euer Vermögen zu 100% selbst verantwortlich. Der Autor ist in den genannten Anlagen investiert. Dieser Text entstand aus Interesse am Thema vollkommen freiwillig und ohne Gegenleistung.

I am a first-time DM, and I am DEVASTATED!
I made a D&D campaign from scratch- lore, NPCs, monsters, environment, etc. All of it is inspired by Candyland. There was one player whose character was chaotic evil which was fine, but I didn't expect him to be a total dick.
Upon entering my campaign, there is a little information station that is triggered by donating a copper coin in a box. A gnome statue blows a bubble, and a minor illusion of the queen tells you about the land. The party didn't get a chance to donate or learn about the land because Chaotic Dickhead destroyed the donation box and stole all the money.
It only gets worse from there.
There are cows that make different flavors of milk- chocolate, vanilla, strawberry, and banana- and he killed two of my four cows for no reason. Later, he set fire to the Licky Lizard tree, sacred flamed the cinnamini colony, KILLED THE FRIENDLY CEREAL MILK DRAGON who would have given some awesome treasure, and basically ruined this campaign. I understand wanting to be chaotic evil- it can be fun to be a jerk sometimes, but this was over the top, in my humble opinion. I worked hard on this campaign,n and I now have a sour taste in my mouth about it.
I was visibly frustrated, and he kept verbally poking at me about it, saying I needed to get a sense of humor and go with the flow more, but when we came to actually meeting a Harengon family, and he wanted to kill the youngest Harengon because "It's what my character would do" - I had had enough.
He rolled to attack, and he rolled a Nat 1. In retaliation, Daddy Hare came out of the bunny bungalow with a meat cleaver the size of a Great Axe and swung it at the character's head with advantage. I rolled a Nat 20 and did 1d12+6+2 damage (20 points of slashing damage) and beheaded the character who had 17 hp.
He threw a fit and left the table; baby hare, daddy hare, and mummy hare took in the rest of the party, had supper, and the game ended there as the rest was basically unsalvagable.
Was I a jerk, or was the player a jerk?

I’m not saying I’m the best DBD Mobile player out there (though I say I’m pretty good). But I’ve been around the block enough times to know that some survivors are just… special. You know the ones:
1.The Locker Lizards: These guys have a PhD in the art of hiding… and absolutely nothing else. They’ll sprint to the nearest locker the second the terror radius tickles their finely-tuned fear sensors and stay there, praying to the Entity for a swift and painless death (or at least until the killer finds someone more interesting to chase).
2.The “Follow the Leader… to Your Death”: These teammates think they’re leading a conga line, not escaping a bloodthirsty maniac. They’ll run you straight into the killer’s arms, then have the audacity to complain when you get hooked. Like, bro, I’m pretty sure I saw a “Do Not Enter” sign back there.
3.The Skill Check… More Like Skill-LACKING: These players could screw up a cup of instant ramen. They hit “good” skill checks about as often as I win the lottery (read: never). They’re basically a walking, talking generator explosion waiting to happen.
4.The “Every Man for Himself”: Altruism? Never heard of it. These survivors would rather watch you get sacrificed on a rusty hook than risk their precious hide to save you. They’re probably the same people who steal the last slice of pizza. And don’t even get me STARTED on the ones who bring a medkit and just…self-heal in the corner. Like, hello? I’m over here dying! Even worse? The ones who heal RIGHT IN FRONT OF YOU while you’re one hook away from seeing the upside-down world. Thanks, Claudette, I didn’t want to be rescued anyway.
5.The “Hold My Beer and Watch This” Daredevils”:These teammates have a death wish, plain and simple. They’ll attempt the most ridiculous, ill-timed jumps and pallet drops, only to end up face-down on the ground faster than you can say “Entity Displeased.” And guess who gets to play the hero? Ugh, fine, it’s me. It’s always me.
6.The “Escape is My Priority (Even if it Means You Die)”:Ah, yes. These lovely folks. They’ll bolt out the exit gate the SECOND it’s open, leaving you to the mercy of the killer. Extra points if they spam “Thank you!” as you’re getting chased by a chainsaw-wielding maniac. Real classy, guys.
7.The “But I Wanted to Totem!” Teammates: These players have their priorities SO messed up. Like, yes, cleansing totems is good… when the killer isn’t chasing us and we aren’t one generator away from escaping! Bonus points if they get downed right next to the totem and then spam “Help!” Dude, you HAD your chance!
8.The “Flashlight Fanatics (Who Can’t Aim)”:We all love a good flashlight blind, right? WRONG. Not when it’s done by someone who has the hand-eye coordination of a newborn sloth. They’ll blind you, the killer will turn around, and you’ll be left standing there like, “Thanks for nothing, buddy.”
9.“The Clicky McClickface”:This teammate has discovered the “tap to taunt” flash light button and apparently thinks it’s the only button worth pressing. Almost. All. Match. Long. Click, click, click. It’s like nails on a chalkboard, only amplified by the fact that they’re usually doing it RIGHT NEXT TO THE KILLER. Dude, I get it, you’re annoying. Now shut up and do a gen.

Just wanted to share the wealth, I found this on Amazon on a chance search. Listing says 13 left (12 now since I’m snagging one)
https://www.amazon.com/gp/aw/d/B09GFDS6L9/ref=ox_sc_act_image_1?smid=A3KPXS4FVGCNYX&psc=1

I'm not even sure I want to apply earlier than I told my job, but essentially I'm in science research (trying not to get specific..) and they told me they wanted me for at least 2 years and I said "can do!". Surely, many of us have been there. However, I have a really good CV already and really only need a year out of this place to get as close as I can to "ensuring" I get into a PhD program. Also, the way it shakes out, in order to stay at least 2 years I'll actually need to stay ~2.5 years just because of when I started this job relative to when grad school would start. If I apply earlier than I said, I'll likely have spent 1 yr 4-5 mo at this job total.
You might be rolling your eyes at me at this point - I know I wouldn't be flat-out shafting my employer. But hear me out. I'm working at a TOP university in my field (like, number 1), my PI is essentially legendary, and I also really like everyone, and I'm going to need at least 2 recommendations coming from this job, but probably all 3. My PI is someone I'd ask for a rec and also is the one who brought up 2 years in my interview. It wouldn't send a "shockwave" through the lab I don't think, but he might be disappointed. And maybe the reaction would be worse than I think from everyone idk!
I'm tweaking a bit just because I'm honestly qualified to get into a program already, and the idea of spending an extra year in this lab than I need to for the sake of keeping my word feels like it might be overkill. But the idea of asking people for recommendations like 9 months in to this job when it'll be kind of clear I'm leaving a little earlier than I said (at least to my PI) also feels like it might not be a wise move. Plus, while I'm already published, maybe staying longer will help me get another (if I don't already get one before then <_>).
Happy to hear any advice, experiences, second-hand experiences, anything!

Contact Details: LinkedIn: https://www.linkedin.com/in/joshua-john-gigi/ Instagram: https://www.instagram.com/joshuagigi.dev/ Website: https://joshuagigi.dev/contact/
Reddit Chat: Not preferred as the chat notification often gets lost with other notifications. But will definitely reply within 24 hours.
Background:
I am full stack developer with more than 2 years of experience as a full stack developer working with both individuals as well as enterprises to build their technology solutions.
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The pricing are guidelines to start off on. Pricing is flexible depending on the size and scope of the project.

[If you could all put your personal feelings on the appropriatenss of the death penalty as a concept aside for a moment.]
The anti-genocide protests movement, while growing in strength, is having little effect on US policy. It is doing a fantastic job of pulling the mask off the blatant hypocrisy of liberals, the Democrats, and the US as a whole, but actual change in policy is unlikely with all three presidential candidates holding the same pro genocide stance [apparently Jill Stein dosent exist to the media].
We are all aware that the US the contempt the US is holds for international law, the Hauge invasion act, and routine denouncement of the ICC & ICJ make this clear. However domestic law [18 U.S.C. § 1091 - U.S. Code - Unannotated Title 18. Crimes and Criminal Procedure § 1091. Genocide] kindly mirrors international law. Biden, Blinken and co would all be guilty of both clause (d) Conspiracy to commit, and section (a) Creating the Conditions of (when pulling UNRWA funding).
The Law in full - link https://codes.findlaw.com/us/title-18-crimes-and-criminal-procedure/18-usc-sect-1091/#:~:text=(d)%20Attempt%20and%20Conspiracy.,person%20who%20completes%20the%20offense.
The punishment for these crimes are as follows:

(b) Punishment for Basic Offense.--The punishment for an offense under subsection (a) is--
(1) in the case of an offense under subsection (a)(1), where death results, by death or imprisonment for life and a fine of not more than $1,000,000, or both

Not only does calling for the death penalty raise the stakes personally for the bad actors involved, but as this is US law there is grounds for prosecutions to be lodged outside of congress to hold these people accountable once they are outside of office, (similar to many of Trump's cases).
Would this be an effective deterrent for future administrations, or perhaps even enough of a deterrent for Biden to change course during his administration?
What road blocks/process would there be to facilitate this prosecution?
Would this help or hinder the protest movement in its messaging and achieving its goals?