In my opinion, IRA is a valuable strategy for retirement planning, providing growth and tax advantages. While the market is promising, expert guidance is essential for portfolio management.

I learnt this when I got disabled from an accident, I had to reach out to a financial planner who devised a plan for me to live off dividends from my investments. Other than Disability Cheque, I earn enough from home and live comfortably with her help.

Impressive can you share more info?

Sure, the likes of the popular lady ‘’Colleen Rose Mccaffery’’ does a good job. Just look up the name, you’d find details on the web to set up an appointment as she offers free consultations from first timers like yourself.

Thank you for this pointer. It was easy to find Colleen handler, She seems very proficient and flexible. I booked a calI session with her.

There are so many ways to manage money and prepare for a relaxing future, we just always have to keep doing our best because whatever we plant now, we will harvest later, good or bad.

Investing wisely can significantly impact financial stability, offering peace of mind and more opportunities. While money can't buy happiness, managing finances well now will determine future outcomes. Let's continue making smart financial decisions.

As a novice, how do i get into investing properly and be profitable?

Angela Lynn Schilling is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment._

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

The only time I can imagine right to repair becoming a big issue is when people quite literally start dying. Like if a car manufacturer makes subscription heating in a place with intense winters. Right now people treat it like climate change. Until they start experiencing the effects of it directly in their face nothing will change

very true.... right to repair should be an absolute right. people should have the right to repair their own property however they like.

@@stamzthehuman897 people are dying because hospitals have broken MRI machines, xrays and electronic heart monitors that cannot be fixed due to it being designed for being unrepairable, and then its super expensive to buy a brand new new one. So patients in many countries have untreated issues because hospitals dont have the means to actually detect and diagnose their issues.

It's made niche artificially. It used to be that you could easily repair products but companies eventually pushed out the idea that that should be possible from customers

​@@stamzthehuman897 problem is that many see getting a new product as much a positive that not being able to repair one they already owned a bit justifies getting a new one instead of being mad it can't be fixed

selling licenses rather than a product itself should be heavily restricted

I agree. Someone should sue or lobby to make companies use the words rent or lease instead of buy and own.

​@@singleboostplease no. Rent and lease implies there's a definite end time. Don't give companies the idea that the right to use gets automatically revoked after a certain time and you have to buy it again to still use it.

Did you put in the contract a clause about owning their immortal soul?

​@@b.cdrisk2035 no answer for more than two months... Either the corps killed him, or he did put in a paragraph about the soul.

I can't wait till we have to purchase a monthly subscription for air.

no kidding.. everything is going to be this way eventually for sure

The thing is that wasn't just said at some random place but at the World Economic Forum, although it was without the "eventually" Strangely enough this was said by a politician belonging to a socialist party

If you have to wonder, you might already have agreed your soul away 😂

In the EU in consumer contracts‘ general terms and conditions are not allowed to have any unexpected clauses. Consumer rights are usually quite well protected but in the digital sphere the laws aren’t quite as solid yet.

You can “rent” a Citroën Ami for 99€ a month and the last time I checked you couldn’t actually buy the car it was a “subscription” kind of. Same thing for normal cars you can get a subscription and change cars every 3 years. You make a down payment, the car is serviced by (say Renault) it’s all in like a credit loan payment but the car never becomes yours. And if one day you want to unsubscribe I think 🤔 they give you back your down payment… Maybe 🤔 Europe is cracking down on programmed obsolescence so companies are looking for way to build products that last and still make you buy a “new one” every month 😅

This is the same situation as in the United States. EULA are enforceable in Europe as well but European institutions and governments have passed laws restricting the type of language that can go into EULAs and what European courts will enforce. The United States has not passed as many similar consumer-protection laws.

I think you missed the main point of the video.

@@Gnomezonbacongod isn’t real 😂

That's fair. When subscribed, you have access to unlimited ink, so it makes sense that when you unsubscribe, you lose access. It's like how if you unsubscribe from Netflix, you can't watch the movies you've downloaded. Edit: it has come to my attention that you don't actually get unlimited ink with Instant Ink.

Don't get me started on printers now!😡 Fewer things piss me off more than the world of printer supplies, specifically toner/ink. I'm a high school Economics teacher. I have 2 printers in my classroom: a Canon color laser printer and an Epson color inkjet printer, the latter being that new inkjet technology by Epson. I'm referring to the newer inkjet printers on which you can do auto-duplex printing (that's automatic double-sided printing for the not-so-techie folks in the audience). I also have 2 printers in my home office, both of which are color laser printers: a Xerox and a Lexmark. The cost to purchase toner, and in the case of the Epson, ink cartridges, is significantly higher when purchasing the name brand or manufacturer's supplies. On my Lexmark printer, for example, the cost to purchase a single Lexmark toner cartridge is usually 75% to 100% more expensive than buying an off-brand cartridge. Most people with whom I'd share that information would understandably tell me that they don't believe it. "No way the price of that cartridge is twice as much for the name brand one," I've often heard. Unfortunately, that's the sad truth. P.S. I spent 25+ years in the business world before changing careers into education. In what industry did I work prior to becoming a teacher? I sold reprographic equipment of all sizes and prices: copiers, fax machines, digital duplicators, and printers, among other things. We were always pushed to get the customer to agree to buy supplies directly from us than a 3rd party. The overhead on the supplies was astronomical.

They did the same to me! Made me sick to throw away brand new ink cartridge. But I refused to keep going with their shitty ink subscription service. Felt to good to say „No more!“ and cancel their subscription service.

@@TylerG7777 You were supposed to return the ink in their postage-paid envelope.

It hasn't been lax. They just use it for political gain instead of actually protecting consumers.

True, we need to stop confusing the law with the legal system. EULAs are just bullshit that hasn't been tossed out yet bc courts would rather side with corpos than with basic human rights.

How patronizing. Your friends and family likely understand what you're saying perfectly well, there is simply nothing they can do about it. Relentlessly pursuing them about a factor of their life they can do little to control will get tiring. Why do you assume your own friends and family are too "glazed" to understand your technical mind? Have you thought that your communication could use work, rather than their understanding?

@@RP-uu7oq This is why I am so appreciative of making this topic easy to understand and approachable! Thank you 2cents! They have certainly explained other complex topics to me that I had trouble understanding in the past.

I had the exact same feeling recently, I think after this, I've officially decided to just buy hard copies.

The issue with this is dvds are very low quality by modern standards and not everything has come to bluray. This is why piracy has had such a resurgents in recent years. Its literally the only way to control your own high quality copy of media.

@@ashtech1184 I was just saying this to my husband this morning! These practices are literally stifling innovation. We are literally forced to return to using a lesser form of media by buying something on a DVD.

@@misterhoeflak I disagree, because you can easily share or sell your dvds and you can't do that with streaming

Only have ourselves to blame. It's the market that decided most people would rather pay for a subscription than buy physically.

Movies are all meaningless sequals, music is all formulated industrial garbage. I just re-watch and re-listen the old stuff. And watch some free KZfaq stuff once in a while. Definitely don’t miss their “products”.

I still vaguely participate in those industries, but I still stubbornly buy physical video games and will continue to do so until they tear them from my cold, dead hands. Re: music and movies, I think I'm beginning to lean towards buying physical copies again. My dad's a musician, so I've heard a lot about how terrible streaming is for artists, especially smaller artists. The payments are abysmal, especially if you don't get millions of listens a month. And movies and shows - that whole thing recently where some movies and shows were removed from streaming services with no warning and no other way to access them. That sucks for consumers but is absolutely horrible for the people who worked on those shows, who poured their hearts and souls into a piece of art that practically no longer exists. I HATE that and don't want to support that bullshit. So I have no subscriptions to streaming services anymore, lol.

The allure of convenience will be the modern fight for freedom. Our society loooooves convenience

I kept a lot of my old DVDs that I have so if I have to go back to entertain myself, so be it! But at the same time, I watch movies online for free, and I listen to my music for free now, win-win!

"hold my consumer rights"

I’m a User Experience Designer and User Researcher (with ADHD so I’ve been struggling with understanding EULAs for years) and I’m working on creating a site/platform that will compile and translate EULA terms (as well as publish any changes and translations) for the biggest and most common clauses. I want to see if the site can be up and running by the end of the year and have lawyers contribute to the site on a volunteer basis and have people spread the word about it!

@@rachel_sj this sounds great!! I wish you success and can't wait to check out what your site comes up with!

Commenting for any updates on this site! ​@@rachel_sj

I do. On the reg.

hmm.... clever concept.

If you don't own a car when you rent it, then stealing the car can't really be called theft.

@@me-myself-i787 stealing of a car is a displacment act. Illigal property transfer. It's been in one place and next minute it's in another. Copying of digital rented copy is just writing down information from one place to another, and the source even not the original one. Any digital content is 0 and 1 in the end of the day, and you can't tell if a new copy is a copy or an original data too. The opposite is analog data piracy, like grabbing a vinyl record, it's a making a new object, that is similar to the original analog record. You can clearly tell what is original source.

Problem is, Blu-Ray players are really expensive and not at all portable, and portable ones are even more expensive. Even portable DVD players cost over £40. And the built-in screens they come with probably aren't very good. But £40 isn't that much to own your movies, and DVDs are often cheaper than digital.

A lot of content isn't available in physics form

The fact that people don’t know this is baffling. If you didn’t have your account, where would all your stuff go??

That won't happen if the government starts regulating AI. They would probably not allow AI to damage the economy in this way. And the government is quite likely to regulate AI, with all the people complaining about losing their jobs.

Everything digital are just "rents", servers will come down one day. It is a lie when digital services have buttons that say "Buy" (unless they actually provide DRM free files you can download), they should all say "rent". If you want to own media, and have the chance, physical media at least gives you an actual copy you can preserve.

​​@@h0laPlanetaThat's no better. The movie studio could pull the movie from a certain region and order you to return the disc with no refund, if the contract you signed allows them to do that.

If it's something you can only access through Amazon, then you don't own it. If it's a digital copy that exists on your local machine, then you do. Digital ownership is a thing, you just need to be aware of how access to those products is handled.

No, but you can probably uninstall their software and install your own.

at the end of a day you can. This is how all military sales are goes. Like US can restrict EU allies to resell or who may use it's F16 aircrafts. Or even who can sit inside this aircrafts. It's a matter of time when a software in your gun will start asking the manufacturer if it's can shoot now, or not.

@@denislomtev1469 Touché 😄

LOL. Why thank you.