1,467 karma · joined January 17, 2015
Have you tried to distribute software on macOS out of the App Store recently?
The money being printed has got to go somewhere and a 1% return in the stock market (with high PE) is still worth more than a negative real rate accounting for inflation.
If Google wants to act like a platform, it should have some form of escalation with the developer to fix issues instead of complete removal without warning.
Stop the helicopter computing. People keep saying they want the old Internet back, this is why.
OP should consider making a plugin for Shopify/Wix, etc. That would be more their target market anyway.
It'd be a breath of fresh air if CEO's could just say it like it is. I think more people would trust their brand and be more willing to invest in them. Our inner monologue wouldn't have had to fill in the blank with a possible hidden motive. Addressing the most common reason why companies "move" to Ireland could have been an opportunity to build trust.
Why? I don't see moving to a cloud solution being much better. The cloud service itself would be the single point of failure and would be just as vulnerable to a zero day. The organization would have even fewer risk mitigation options like NAT, firewalls, etc.
[1] https://www.statista.com/statistics/819966/mcdonald-s-number...
Man, I hated hearing this. Just use normal words, please.
Maybe I shouldn't have said risky. You're right that if retirement is a while away, you can continue not timing the market and you'll be okay. However, if you want to be more aggressive, it might be smart to sell some of the gains you've made in the US market thus far and allocate more to emerging market ETFs with more upside.
Using the CAPE ratio to project estimated returns has shown to be fairly accurate from 1995 to now [2]. There's no guarantee it'll continue to be true, but I think there's more upside to international equities for the next decade right now.
[1] https://www.starcapital.de/en/research/stock-market-valuatio...
[2] https://www.advisorperspectives.com/articles/2020/07/20/the-...
Not all stocks are overvalued though. Look into buying value stocks that pay large dividends. Unsexy REITs, tobacco, bank stocks might be worth looking into again, as well as international or emerging market ETFs.
Bitcoin looks over-sold right now, but gold is relatively cheap as a hedge against inflation. The Fed pumping huge amounts of money into the economy will eventually lead to inflation. It might take a while though, since people need to be able to spend that money for inflation to happen. Various lock downs around the world are preventing this from happening, currently. If you're patient, I think gold and other commodities (Uranium possibly) are going to do well over the next few years. I think there are a lot of people buying Bitcoin as speculation and as soon as you have numbers go red, there might be a mass sell-off and switch to gold. The last Bitcoin halving event was just this past May which usually leads to surge in price as mining becomes more affordable, but as with other cycles, miners may start selling (since you can't yet pay bills with it) and prices will go down again until the next halving cycle.
To put things into perspective though: Aside from owning property, I'm about 5% REIT, 5% Gold, 20% Canadian index ETF (Canadian here), 30% international index ETFs, 10% US value stocks, 20% bonds, 10% cash.
I am not a financial advisor, please do your own DD.
Edit for more context:
Depending on the drug, substances consumed outside of working hours would still show up in a drug test. Firing someone for something they do outside of work shouldn't be acceptable.
If you can prove they consumed drugs that would impair their ability to perform their job during working hours, that'd be a valid cause for dismissal. Drug tests don't measure that precisely enough though.
Not to mention, drug tests are not infallible. They can come back positive for morphine if you eat a poppy seed bagel in the morning [1].
[1] https://www.snopes.com/fact-check/poppy-seeds-alter-drug-tes...
Especially for general computing devices like a phone (unlike gaming consoles and media like your examples). We already know that Apple doesn't need the App Store for iDevices to be a commercial success, just look at the Mac and macOS.
This does mean that Apple will need to start upping their game by either lowering their fee (which means lower costs for you) or supporting other independent games that deserve attention in the App Store.
Furthermore, iOS is a well designed platform with very tight security restrictions. You don't need the App Store to do that, it's build into the platform.
The problem is that Apple built an artificial monopoly in the distribution of apps by making the App Store the only curator of the platform. People who decided to purchase an iPhone with an iOS license should have the right to use the device to it's full extent (along with being able to fix it themselves if something breaks). If you don't feel safe running apps outside of the App Store, you don't need to!
We know from past experience that it's commercially viable for platform owners to successfully develop secure operating systems that allow third party developers to develop and distribute apps without an additional tax. We don't have to look very far either. macOS is a great example of where the App Store and third party developers can coexist.
People should be able to choose to buy the app (for 30% more) using the App Store so that it's easy to ask for a refund, receive updates and for Apple to market apps they believe you'd like to use. But at the same time, Apple has no right to force people to overpay for services like Spotify on the App Store. Customers already pay to use a licensed copy of iOS on supported hardware.
Governments have every right to protect the customer from perpetually getting screwed by Apple. At the very least, we shouldn't allow Apple to limit free speech so that developers can't mention a way for their users to save money.
By all means, keep overpaying for Spotify on the App Store so Apple can collect their 30% each month, but don't force me to. Customers already pay to use a licensed copy of iOS on supported hardware and governments have every right to protect the customer from perpetually getting screwed by Apple. At the very least, we shouldn't allow Apple to limit free speech so that developers can't mention a way for their users to save money.