Sure we used AIM and MSN Messenger but we also used IRC, visited forums and looked at newsgroups.

So many people these days don't even own laptops. Their entire digital footprint comes through apps on restrictive mobile platforms.

Clearly intended to be the direct competitor though, since "Have a break, have a KitKat" is the KitKat slogan, and timeout is also a break.

https://www.tesco.com/groceries/en-GB/products/316651552

I'd probably measure maturity in terms of how one navigates relationships.

When it comes to my partner, being vulnerable, knowing when it's ok to share that I don't feel like an adult, that i'm scared or lack confidence, and when to put on a strong front and say it's all going to be ok, to make her feel safe, is the essence of what I consider to be a "grown ass man".

But we're also planning a trip to the Lego House, Denmark together and we don't have kids. So there's that.

Mutual funds are cheap and have no tax disadvantages for us. In fact, outside of tax sheltered accounts, mutual funds are a lot easier to manage for tax purposes.

No, Vanguard just think it's fine to charge us 4x as much

VWRP, which I mentioned, is also an ETF

Investors in the UK are not partners in Vanguards mutual structure, and Vanguards UK platform ("Vanguard Investor") is not run by Vanguard but by a third party (FNZ, a New Zealand fintech).

OCF for VT, a global equity index ETF in the US, is 0.06%

UK equivalent (the Global All Cap Index Fund, or perhaps the VWRP All World ETF) is 0.23% and 0.19% respectively, and the latter excludes small caps and both have fewer holdings than VT

Invesco's All World ETF in the UK, tracking the same index is 0.15% and HSBC have an index fund tracking the same index also at 0.13%

Vanguard UK have a 0.15% platform fee whereas the best UK alternatives are completely free.

Vanguard UK recently introduced a minimum nominal platform fee on top which screwed over small investors.

Vanguard are no longer cheap and not on our side.

They aren't the cheapest anymore in almost every category, but their brand recognition has exploded here in recent years.

There are plenty of other funds out there that track other indices from other providers.

I've just written the fifth from-scratch version of a component at work. The requirements have never changed (it's a client library for a proprietary server, which has barely ever changed). I'm the 5th developer at the company to write a version of it.

All because nobody gave engineers the breathing room to factor the solution in to well thought out, testable, reusable components. Every version before is a spaghetti soup of code, mixing up unrelated functionality in to a handful of files.

No well thought out interfaces. No automated end-to-end testing, and no automated regression testing. The whole thing is dire and no managers give a fuck.

AI cannot solve for a lack of engineering culture. It can however produce trash faster than ever at these toxic shops.

Actually they are, but it's also true that you need to put solutions in to production.

I can have fresh bread anytime I want from a handful of nearby stores.

The average user just has no interest in building things.

I've worked at places where ~5us was considered the fast path and tails were acceptable.

In my current role it's less than a microsecond packet in, packet out (excluding time to cross the bus to the NIC).

But arguably it's not true HFT today unless you're using FPGA or ASIC somewhere in your stack.

You want low deterministic latency with sharp tails.

If all you care about is throughput then deep pipelines + lots of threads will get you there at the cost of latency.