> OAuth2 was production ready when everybody realized having FAANG logins is insane
I would have to disagree with this statement for a number of reasons:
1) HN community sometimes could be a bubble, in a sense that many developers here share similar opinions etc but there is a big amount of people outside of the HN community who share different views about software development, how they spend their times (I know some soft engineers who spend 0 hours outside of work doing anything IT related, not saying it's bad or good, just different to many HN people)
2) An average customers isn't necessarily aware of account shutdows or any implications of having centralised systems that you talk about
3) I think there is not enough data to support your statement, tho would be good to see if you have any to share
Not sure if your suggestion of NFT is a sarcasm or you actually believe it. I haven't seen any studies on risk/potential return on NFT, but my bet would be that average person with some money that needs investing would lose, rather than make money.
But I guess the answer still stands, from investor(especially regular investor) point of view, where can you park your money that is likely to generate return on part/slightly higher than inflation, while not investing into too high risk assets? There are not many options available, ie t-bonds etc are not an option for many
My take on this as someone who lived in the UK the last 10 years or so: the main reason why ETF are less known are: less disposable income in the middle class/upper middle class(compared to the USA), it was much harder to buy stocks > 10 years ago imho
Would be interesting to hear your opinion on why you think certain assets will not keep going up.
Treasury bonds rates are low (especially once you consider shadow inflation), inflation is fairly high atm. Where can investors park their money for some return above inflation?
In summary, the emigration of EU citizens to the US is not characterized by overcrowded flights and waiting times. It is, rather, a small and steady flow. Nevertheless, this small flow possesses exceptional skill and education levels. Behind the deceivingly low numbers is a huge potential for wealth creation that is permanently migrating to the US. The effects of this migration can be significant for many countries, especially the UK and France. Therefore, it is important that we know more about why these exceptionally talented Europeans move to the US [1]
You can get fairly cheap, by Western standard (under 200/250$) brand new phones with great screen, good camera, not many/no annoying apps that affect the daily usage [1], fairly cheap contract (around $5 a month)[2]. It does require some Googling/timing but possible.
While $200 is a lot of money for many people, there are options where you can go even lower and get a decent phone if you sacrifice some functionality (like not having a good camera)
[1] Poco X3 for example, during sale goes well under 250$. Note: it does have privacy concerns associated with it.
Thank you very much for sharing your opinion! I've added those to my "Book/Essay" folder, especially liked and agreed with the idea of having the book free to download.
I can't see your email on HN nor DM functionality, is there any chance I can know your email?
Are there any resources/things you wish you knew before you wrote and self-published a book? I am considering writing a short essay on making security decisions from the business point of view.
Additionally, by saying "Tuition maxes at <£10k/y" you could imply to some that fees are in a certain range below 10k, where in fact they are generally speaking very close to £10k.
> Most employees in well-funded organisations in the UK will have private healthcare too
While this might create debate I think it's worth pointing out that there is a BIG difference between UK and US private healthcare.
I think situation in 2021 is very different in London: AMEX is accepted nearly everywhere in central London (Even on markets etc), there are ofc some shops that don't take it but generally AMEX is widely accepted.
Re: Mastercard
It seems that Mastercard is more widespread among "hot" banking startups, ie I can create virtual debit Mastercards on Revolut and Monzo
One more thing I think helps a lot is to try to have "life as usual" for your mother where possible, maybe organise events at home/hospital, have dinners, jokes. I did film watching, me cooking, reading books for my mum.
I would have to disagree with this statement for a number of reasons:
1) HN community sometimes could be a bubble, in a sense that many developers here share similar opinions etc but there is a big amount of people outside of the HN community who share different views about software development, how they spend their times (I know some soft engineers who spend 0 hours outside of work doing anything IT related, not saying it's bad or good, just different to many HN people)
2) An average customers isn't necessarily aware of account shutdows or any implications of having centralised systems that you talk about
3) I think there is not enough data to support your statement, tho would be good to see if you have any to share