save the frogs

some guys on here have been contemplating a "better place to go" for months and months on these forums ad nauseum ... so that surely gives them a head start?

the monkeys have political protection? how did they negotiate that?

Makes sense for her to go home in her work clothes. Why bother changing clothes before bed if you're already in your underwear?

someone in thailand should do a documentary about germany. https://unherd.com/2022/11/germany-europes-bordello/ Germany is known as the bordello of Europe. It is a hard-won title. With more than 3,000 brothels across the country, and 500 in Berlin alone, its sex trade is worth more than £11 billion per year.

Yeah, if I were a billionaire I'd buy up those 7-11s, get a coupla Tesla Cybertrucks, and then maybe play stock market all day.

why the obsession with scotland? your culture won't allow you to wear a kilt?

if you look closely you will see the hairy armpits

thats quite a resume. who has he matched up? are they still together?

height, stance, musculature, posture. come on man. you been around long enough.

Ok, then it makes perfect sense to bring up The Trumpster in this discussion. I catch your drift.

come on guys. take this outside. this is a thread about cruise ships man!

I haven't been able to quite figure out what the scam is .... but it smells like a scam. Problem is, it's too complex for me as there are too many things behind the scenes I don't understand. It's just more of a gut feeling that it's a scam. The thing is, my brother has been into mutual funds and pushing me to get into them for years. Once I looked at his portfolio and it didn't make any sense. One year they were claiming 30% returns and the next year he would get 0% or negative returns. I got the impression that the fund managers were "cooking the books" to attract investors and those returns being advertised were not even real. But I can't prove it. But the other "scam" I was referring to is "buy and hold" mantra that Buffett spews out. There are massive crashes and adjustments every once in a while, so you that strategy seems like nonsense to me. The other "scam" is the mutual fund managers make money, whether your fund does or doesn't. It's like going to a doctor and the doctor gets paid but decides not to fix your health issue. It's the only industry in the world where the guy gets paid even if he doesn't produce any results. Now, I just looked up another article. Here he explains why the returns advertised are bullsh*t. https://www.linkedin.com/pulse/mutual-fund-industry-scam-century-abhinav-gupta Some companies would advertise a 25% return even though the return has been flat! Imagine that you invested $100 that turned onto $200 the following year (100%) and fell back to $100 (50%). This simple calculation can be marketed as (100%­‐50%)/2 = 25% average annual return.

exactly. thats why courts exist. so you dont have to take matters into your own hands with lethal objects.

there is such a thing as too much sun. and also too little sun. most people don't get enough.

I never claimed to be classy.

Maybe it started out that way, with the best intentions. But maybe it got corrupted along the way.

A lot of people do a lot of things. Simplicity, shortcuts. Busy lives. These protein powders MIGHT BE healthy. Not sure if the science is definitive.

Maybe in 200 years in countries like Canada, you won't be able to tell anyone's ethnic origins / race / color. Because practically everyone will be a mix of different races with all the inter-racial fornicating going on.

At the place where I'm at, the policy was 3 days from home during Covid. Then they cut it down to 2 days a week from home, so there is some backlash at the office. People liked the 3 days from home setup better. Yep, you get to sleep in an extra hour. No alarm clock, no being stuck in traffic. Also, talk of 4 day workweeks in the media ... so possibly 2 days from home and 2 days in office in the next few years.

Haven't we already had this debate? Not sure protein needs to be absorbed fast.

I agree that's it's best to get protein from food. The protein powders are "processed", maybe heated to extremely high temperatures when produced? Not sure ... there are mixed reviews out there. Some people think they're healthy, but I think it's best to get protein from food. Also, eggs and meat will have many other nutrients that the protein powders don't have. Also, COLLAGEN powder maybe is necessary to supplement as it's an essential nutrient and hard to get from food.

you could have seen the entire world wish i knew about it instead of being stuck in cubicles

Anyway, another comment came to mind. Interesting that Warren Buffet is always saying the crypto is garbage. And I think Munger also did. But according to this article, blockchain (crypto uses blockchain technology) will be one reason the stock market will die out. But I admit some of this stuff is over my head and I am not fear-mongering. If you think your investments in the markets are safe, then stick with them. https://wealthfactory.com/articles/why-the-stock-market-is-dying-and-your-investments-are-in-danger/ Mark our words: the internet, AI, and rapid technology growth like solar, blockchain, and self-driving cars will be the death of current (antiquated) business and investing models.

I'm not a big fan of the stock market at any age, apart from GAMBLING a small percentage of your income that you are prepared to lose. To me, it's gambling, not a way to invest. So I think anyone your age should not go anywhere near the stock market. But why should anyone take financial advice from me? No reason. But there are other people out there who believe the same thing. And maybe especially after Covid, some people think the stock market is actually dying. https://wealthfactory.com/articles/why-the-stock-market-is-dying-and-your-investments-are-in-danger/ The stock market is a failed financial experiment when it comes to funding retirement or creating economic independence — and it’s only going to get worse.