Is that actually true? I just tried to find out what would have happened if you invested in the German DAX 30 years ago and apparently you would have had an 800% return on investment, approximately 7.5% annualized. Seems pretty good to me.
2,035 karma · joined December 13, 2014
Is that actually true? I just tried to find out what would have happened if you invested in the German DAX 30 years ago and apparently you would have had an 800% return on investment, approximately 7.5% annualized. Seems pretty good to me.
Terms of services ("Allgemeine Geschäftsbedingungen" (AGB)) are pre-formulated clauses that one party introduces into the contract without giving the other party the possibility to object to or at least negotiate these clauses.
The ToS are part of your legal contract with the other party, regardless of whether you read them. One example of ToS could also be the house rules in your local gym, which possibly weren't even handed out to you but instead they are up on a wall somewhere near the front desk. The important thing is that you need to have the _possibility_ to read them (if you are blind they will need to make sure there is a workaround). Depending on the circumstances the obligation to make sure that you are aware of the ToS can be more strict.
The important caveat to using terms of services as a company is a strict content control. § 307-309 of the german civil law define certain things that you cannot possibly put in your ToS. And if a company still does it, a Court will not try to interpret the rule in a favorable way for them, they will strike it out completely. (no "geltungserhaltende Reduktion")
Examples of content control include that when buying something it is impossible to sign away (some of) your rights as a consumer for a faulty product. But there are also some "catch-all" clauses in there that will check whether parts of the ToS placed an unfair burden on you as a consumer.
ToS can also be void if they are unclearly written.
Edit: Signing with "I do not agree" is an interesting approach and sometimes these "hacks" can actually work in Court. That being said, it would probably not hold up. Pressing on "accept" is not somehow invalid just because you said so somewhere else.
Off topic but an interesting example of a similar hack is this case of a man changing a pre formulated contract with his bank which they send to him first and then signed it when he had send it back to him. https://www.themoscowtimes.com/2013/08/14/man-who-outwitted-...
Just look at this graph comparing the predictions from 1990 to the actual observations: https://de.wikipedia.org/wiki/Intergovernmental_Panel_on_Cli...
And yes, the tail effects of global warming beyond our usual time horizon of 2030/2050 were already known.
You might be inducing a "so-what" mentality where people don't want to refrain from going to bars and restaurants just to not catch a virus that's going to get them at some point.
But – excuse me for putting this bluntly – it is obviously very selfish. If everybody calculated their risk like you do, the result would be that the pandemic drags on for a few years, a lot of preventable deaths happen + probably a terrible economic downturn. You have the choice to sacrifice a little bit (meaning a tiny chance of vaccine complications) of your own health for the greater good – or you can slack of others doing it for you. Because that's what's going to happen, most people voting "yes" on this thread are making the same calculation you are but deciding to sacrifice a little bit of their own health.
My complete layman understanding would be that it should at least somewhat prevent the spreading because replication has to be limited if a vaccine works and replication is also an important part of giving the disease to others? If less cells are infected you can't cough out the virus as much? But the exact timeline is important here, obviously. Again, complete layman, I know basically nothing about this.
https://www.google.com/amp/s/amp.knowyourmeme.com/memes/reco...
While I'm definitely not a fan of crypto currency and wouldn't seriously consider investing a single Euro into this mess, it's certainly misguided to simply laugh at it being "not real", because a lot of important things are. Obviously the gp makes some other important points.
So maybe I don't understand your mathematical shorthand correctly but those things are definitely not widely regarded to be a part of strategy.
Edit: and if they were we would no longer be in disagreement. So apparently our different views simply come from different definitions.
>I beg to differ. You should first learn how to supercharge your pieces by controlling the centre, putting rooks on open files, co-ordinating your bishop pair, keeping a strong pawn structure, etc. [...]
I would disagree. At a rating level below 1300 (where all beginners start) I'm pretty sure that openings don't matter at all and strategy is not very important. Magnus Carlsen, the World Champion, has even suggested that by being only good at tactics you can get to a 2000 ELO rating. If your opponent can look two moves further ahead you will almost always loose. This is also the reason why small children are able to beat seasoned chess amateurs playing at a club level. The children definitely have a limited understanding of the strategy and they don't know a lot of opening theory. But they will outplay you in the middle game.
>the third testing phase, which normally takes multiple years, hasn't started yet
is apparently not correct. Only trying to enhance my knowledge of vaccine testing phases, I don't want to fight you and I'm not downvoting you.