Personal finance Updated 2025-07-16
  • the American stock market gives 10% / year, which is about 2x over 10 years. It has been the sure-fire best investment on a 10 year horizon for many decades, and should serve as your benchmark.
  • risky diversified investments (e.g. ETFs that track a market index) are basically the best investment if you can keep your money in them in the long term (10 years)
  • risky investments can gown down for a while, and you cannot take your money out then. This effectively means risk is a form of illiquidity
  • investment funds have taxes, which eat into your profit. The best investments are dumb index tracking investments (like an ETF that tracks the stock market) that are simply brainless to manage, and therefore have lowest taxes. No fund has managed to beat the market long term essentially.
  • when you are young, ideally you should invest everything into riskier higher yielding assets like stock. And as you get older, you should move part of it to less risky (and therefore more liquid, but lower yielding) assets like bonds
    The desire to buy a house however complicates this for many people.
Actuator Updated 2025-07-16
TransferWise Updated 2025-07-16
This is a good company, first they truly helped reduce international transfer fees. They they continued to morph into a decent challenger bank.
Their Wise Interest account was amazing as of late 2023: wise.com/gb/interest/
Instant access with representative national interests and 0.29% fees.
Brick and mortar banks were way way behind in that regard!
E.g. October 2023, Wise was doing 4.87% interest after fees, while Barclay's best option was 1.16% above 5k pounds on the Rainy Day Saver (5% below). Ridiculous!
CC BY Updated 2025-07-16
Point particle Updated 2025-07-16
This idealization does not seems to be possible at all in the context of Maxwell's equations with pointlike particles.
The Taylor series expansion is the most direct definition of the expontial as it obviously satisfies the exponential function differential equation:
Transistor Updated 2025-07-16
Although transistors were revolutionary, it is fun to note that they were just "way cheaper and more reliable and smaller" versions of exactly the main functions that a vacuum tube could achieve
Political correctness Updated 2025-07-16
Ciro Santilli believes it generally hurts more than it helps.
Especially when you can't even mention censored things to criticize them. You have to pretend they never existed. So people will forget about them, and do them again in the future.
And when companies do it just to look good, even though it has absolutely no real impact on the lives of those who are discriminated against.
Transmission electron microscopy Updated 2025-07-16
Video 1.
Transmission Electron Microscope by LD SEF (2019)
Source. Images some gold nanopraticles 5-10 nm. You can also get crystallographic information directly on the same machine.

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