You can share a name or handle now but I think you still need the phone number otherwise though you no longer have to share it.

The big upside of signal is that it is better then SMS, and has more adoption then any of the other reasonable options. Adoption is still not enough to make it that useful when compared with Messenger and SMS and even with this addressbook thing your complaining about trying to drive it.

Big downsides abound too including needing a phone number, and being tied to a phone.

2 is probably wrong. Molly exists. Trademark cannot be used to prevent other implementations, just the use of the name or other dress. What may not be open is the server side code and federation is not supported.

You could go to Vanguards website and look at their funds just as an example. They have funds that are totally international for example. If you look at target date funds theirs are maybe 40% international. Me personally I prefer the 30 to 35% range simply because international has not had the returns of US though hey maybe finally international will out perform US. Who knows.

Well you have a choice. Either diversified portfolio and that includes international. Or some tilt to it that reflects your values.

Keep in mind if you had a pension or an annuity they would be doing the same thing so both have portfolios. Just one is more direct and you have more control.

There is a lot of good advice on the internet. Boggleheads for one.

All about diversification. If your in one of the target date funds, you should already have 30 or 40% foreign stock and maybe 60/40 stock to bond ratio depending on your age. Look at your asset allocation.

It is way more then 1000s. Just one state is probably in the 10s of thousands and this is national.

Edit: MN state capital alone was 25000. See: https://bsky.app/profile/erinmayequade.bsky.social/post/3lm3irqc7jc2v .

That assumes you can tell and that the best people and processes are flawless which is not true by a wide margin.

This assumes all human therapists are ethical and never make mistakes, and that all of their offices, notes and data syatems are secure too. All security is porous.

People under estimate the value of SS retirement, disability, and survivor benefits. Add to that medicare. It also makes them a big target.

For median income which is about $80K in US, one would need at least $2M in investments to retire at 65 without SS and other income. You would also have to carry private disability insurance if you could get it until you retired.

Edit: And you would probably have to carry a lot of life insurance too if you could get it. Plus a lot more public assistance and law enforcement would probably be required because who could afford all this going it alone.

Yes. It is so blatant. I want the IRS well funded so I can call them and talk to a knowledgable person and better yet, have them figure my taxes for free, and for them to actually catch freeloaders so I am not paying their bills too.

Even if you say to keep a local copy, I do not think it is truely an independent local copy unless you actually move it to “Local Folders”. Otherwise it is probably just a local replica.

No expert with IMAP, though I have used Thunderbird for decades, I have just switched to IMAP myself in the past year.

POP3 or IMAP? Desktop or Android?

If IMAP, are you sure your local folders are actually local?

Edit: By local I mean in the “Local Folders” tree not under your domain tree where the inbox is.

I talked with a Trump voter. They thought inflation was high. I said no, it is under 3% which is normal. They thought it was like 6%. They even looked it up and agreed. Then I asked them if they were better of now then 4 years go. They said yes. After all that I am sure they still voted for Trump.

As far as numeric price, everyone should know that prices are sticky. They rarely drop but inflation can be controlled to the 2 to 3 percent range and they were by the summer of 2024.

I agree with this about hearing people. Dems for some reason are not good at making people feel seen and heard. The other is making a personal and emotional connection which is roughly similar.

MAGA is really a billionaire movement wrapped in what looks like a populist movement based primarily only on anger, hate, and oppression. I do not think bribes are needed. It is built-in.

I suspect that basically a women has to be a lot better candidate say 10% or something better because she is going to loose a certain number of voters that would otherwise vote the ticket. These are not even all men that will not vote for a woman.

I understand why a certain genre of white male might vote for Trump for example but it mystifies me how a woman or a person of color would.

Thanks. I wonder though. The DNC has chosen a woman twice now. Sad if true but it is probably lot harder for a woman to win the general election. Hillary could not do it, and Kamala could not do it against frankly very flawed candidate.

Wow! What is all the hate. I agree that Hillery was not exactly personable but she was quite competent. Trump on the other hand, great at media and crowds but really pretty much incompetent otherwise. As far as I can tell the only thing he has done for working people is channel hate and rage which is authentic. If there are are concrete things feel free to list them.