Rants and WTF are you talking about and Coronavirus!

[Pistons]

You don't know shit about it, you think that covid19 can be treated with solarium, onion and vitamins. You also think that black people are more affected only because of the color of their skin, and that they are implementing reverse apartheid in South Africa. By the way, these last two ramblings smell a lot like racism. What other stupidities did you say? Ah yes, we are all controlled by an AI. You have no idea how an AI works and you probably never wrote 4 lines of functioning code in your life. There is an easy application used for teaching code to kids, Scratch. Maybe you could use it to understand simple concepts: causality, loops, conditions.

1. Blood clots caused by covid infections are reduced through anti-coagulants like a substant found in onions, as well as vitamin be complexes. Vitamin the I believe we have already agreed on. 1-0.

2. It is well known that white people need less sun on their skin in order to take up more vitamin the. 2-0.

3. I have friends in south africa I talk a bit to. Jobs are handed out due to the color of their skin. Official jobs especially. 3-0.

4. We live in a simulation. 4-0.

5. I took IT on high school and got an A actually. Did a couple of websites and databases especially is something I'm good at. 5-0.

6. Generative Adversarial Networks uses big data up against a new target. Think of it as a cop and a criminal. The criminal is the new target. And the cop is the average of the big data. Then the cop tests the criminal up against the charges. So either he is let loose, or he is criminally charged. We can use AI on you in a similar case here on ISG to check if you have an IQ over 100. When I check you, it seems your score is below 100, and thus you are put to jail. 6-0.

[Pistons]

Here is the 2.8% mention:

https://www.vg.no/nyheter/innenriks/...eca-vaksinerte

"After the first dose of vector vaccine, 2. 8 percent of those vaccinated in the study experienced bleeding. The corresponding figure for those who received the mRNA vaccine was 0.1."

So basically the 2.8% figure will increase given further dosages, as this was only after one AZ dosage! Not to mention there might be cases unreported in these first figures too.

I say like Elon Musk: I am not going to die from covid myself, so I'm not going to take the vaccine!

Vitamin-the, solarium, onions / onion oil, 4 vitamin be-complexes, and gym 4 times a week!

Take that you wannabe doctor beta's!

[Pistons]

I'll leave the translation to you guys since then you won't be able to claim I faked it.

8% have increased amounts of white blood cells and some side effects aside from the standard headache / fever etc.

2.7% of which (2.8 in a national + Danish survey) of these extreme amounts of white blood cells.

[Sirioja]

In 2008, basic salary for a worker in a factory was 150 euros, 3 times more for the people working in construction, today minimum salary is 500 euros but very difficult to find people, electrician is 1000 but so many Chinese people want to be self entrepreneur only very few want to work as employee. You have to know that everywhere you can panels "we hire" but no candidates result of so many years of 1 child for 1 family.

You tell about Chinese working in big towns, but what about whole country including far deep and north and west parts? I really doubt for 500 for minimum.

[Mursenary]

Living on $15 grand a year is tough. I have a few Indian friends, they are actually very well off. Some are born here, some are first gen immigrants. None of them live that frugally. Your Indian friend at that level of frugality sounds too miserly, no offense. Perhaps it works for them.

Should probably add that the $15 K per year spender, million dollar example was an extreme example and is hardly the average. Just painting romanticized but realistic image.

[McAdonis]

No Caucasian woman would put up living on $15 K annual total if you have millions in the bank.

Caucasians at $1 M, I could see living frugally. Seems like there are enough millennial (mostly Caucasians) attempting this for it to be classified as a movement. Objective for many is to save $1 million or 30 times their yearly expenses, so let's say $33 K depending on desired lifestyle:

In more recent years, Millennials in particular have embraced the FIRE movement with the aim of retiring well before the traditional retirement age of 65. Proponents of the extreme-saving lifestyle often begin by remaining for several years in the traditional workforce in order to save up to 70% of their yearly income. Once their savings reach approximately 30 times their yearly expenses, often roughly $1 million, they may quit their day jobs or completely retire from any form of employment altogether.

To cover their living expenses after retiring at a young age, FIRE devotees make small withdrawals from their savings, typically around 3% to 4% yearly. Depending on the size of the savings and desired lifestyle, this requires extreme diligence to monitor expenses and continued maintenance and reallocation of their investments.

https://www.investopedia.com/terms/f/financial-independence-retire-early-fire.asp

I have never been but I imagine places like Bali have sizable population of Caucasian millennials from rich countries trying to retire early. Here is a attractive, late 20's, early 30's, solo Caucasian female embracing a minimalist lifestyle as a van-lifer: https://youtu.be/ryPBLk90xEQ.

[Mursenary]

You're a mentally sick weirdo. You should try to get a job, maybe McDonalds will hire you. Probably not.

And you're boring with an extremely limited repertoire of recycled insults. Reruns. Yawn. Next.

[Mursenary]

Living on $15 grand a year is tough. I have a few Indian friends, they are actually very well off. Some are born here, some are first gen immigrants. None of them live that frugally. Your Indian friend at that level of frugality sounds too miserly, no offense. Perhaps it works for them.

I have no mortgage and even so my monthly fixed expenses are way more than that. My property tax itself is north of that amount and it is not because I am living in a high tax rate state like NJ. HOA dues, insurance adds on top. Unless you are brutally frugal, there are $400 more expenses a month such as pool maintenance, lawn, fertilizer, house clean etc. Utilities take another 4 to 5 grand a year, even if you are on vacation for large amounts of time. You are looking at nearly $30 grand a year before you spend a dime on yourself.

No Caucasian woman would put up living on $15 K annual total if you have millions in the bank. None that I know of. And as I said, it does not matter if they already own their house -- there are still fixed expenses (Unless they bought a small studio apartment which was paid off and taxes / insurance etc are miniscule). Clearly, that would imply a pretty lousy quality of life -- then one wonders what is the point of making the money in the first place. I think a few immigrants are driven to save and save and pass it all to their children, typically that is not a Western mindset. We want to make sure our kids are taken care off but not at the cost of us living in misery.

Cars are a different issue. I drive mid range cars at best and I drive them to their death. Colleagues that make less than a fifth of what I make at my firm drive much fancier cars than I do. That is a personal preference. On the other hand, I pay an obscene amount for my kids schools, still in middle school. I figure its going to cost me north of half a mil for each kid by the time they have their bachelors degree in hand.

All in all, even if one doesn't live extravagantly it is tough to accumulate huge wealth if gross annual income is less than $150-200 K if also having to support a family. But what I meant in my prior comment was that I also know quite a few who pull in half a mil annually and still don't have socked away enough and would run through their savings if out of a job for a year or two. That, to me, is pathetic.

The math for single men works differently, which I am not. One wonders if single men would still be motivated to keep making as much as they can past 50's- they don't need to support anyone, and the calculation for them must be" how much do I need to save, when do I stop working, and how much fun do I want to have for the rest of my life and what does it cost?

The Indian guy was not living that frugally. He was just an example of cultural savings norms. The $15 K cost of living, I'm picturing first gen senior citizen immigrants. You had it right when you said "live for your kids. " That's the mindset of many first generation immigrants.

Your views come from a white collar American with kids. HOA, Private school, manicured lawns, etc. Those are not concerns of the poor working class, much less poor immigrants. That's the point of the whole conversation, different standards and habits if you grow up with different expectations.

Pool maintenance? First Gen Immigrant: You have pool? We buy inflatable pool from WalMart.

Fertilize manicured lawns? First Gen Immigrant: Dog shit on yard for free. Why you try to impress neighbor Karen?

Vacation? First Gen Immigrant: We drive 6 hour to cousin house in Florida.

Private school? First Gen Immigrant: Aye yah, so stupid, public school free, study harder.

Example finances of a senior citizen immigrant living in the American south:

No mortgage, no car payments, insurance via Medicaid.

Property tax at senior tax rates: $1200 per year; Home insurance: $1000 per year.

Liability auto insurance: $400 per year.

Utilities and cell phone: $250 per mo, $3000 per year.

Groceries: $300 per month: $3600 per year.

Gross overhead: <9 K per year.

How do I know those numbers? Those are my mother's expenses.

Many first gen immigrants never experienced first world luxuries when they were your age or mine so they continue to live the lifestyle to which that they have been accustomed. And they are quite happy, so long as the kids and grandkids are secure.

Their children, while not anywhere near as frugal, would naturally adopt some of the same mentalities. So from my essentially second gen perspective, acquiring wealth from the US is easy if you are not spoiled by trivial American spending habits. For a person who is making a low 6 figure salary, with a wife generating some income, a couple kids; if that family can't put away the bare minimum, which I determine to be 401 K max of $19.5 thousand per year for 22 years, then they need to stop keeping up with the Jones and cut their luxury spending.

[Clodius1]

Austria announced more relaxed measures starting with 19 May. To have access to restaurants, hotels, etc people need one of the following: proof of recovery from Covid, a valid recent test or vaccination.

Thanks for keeping us updated RE Osterreich. Let us know when the Vienna airport is ready to accept vaccinated Amerikaner and GT is open again.

[Pessimist]

Normalized savings rates are definitely skewed towards some cultures. I remember discussing with an Indian American that I thought a 15-20% savings rate was pretty good for the average person. Well, for most Westerners that seems fair to me. He however nearly scolded me to say that 25% up to 50% should be the norm. A ranking of savings rate by country of is dominated by lower income nations. The USA comes in at 100th at 16.9%. Honestly that's higher than I would have thought.

https://en.wikipedia.org/wiki/List_o...gs?wprov=sfti1

But perhaps that is also due to a difference in gross income. As generations acquire more wealth, savings rates would understandably decrease. China's average household income doubled in the last decade while savings rate decreased by only 6%. But 33% of 2 x is still much more than 39% of x. The same inverse trend would likely be observed when gross income increases by moving from a third world nation to a first world nation. But once, you get your nest egg settled, luxury and convenience spending increases. I know I was near broke 6 years ago. I hoarded so much cash for a few years but now I spend a ridiculous amount on leisure. First generations may not have that same issue though. I know so many old Asian immigrants who have hundreds of thousands or millions in savings, all houses and cars paid for, but still live off of $15 K per year.

Living on $15 grand a year is tough. I have a few Indian friends, they are actually very well off. Some are born here, some are first gen immigrants. None of them live that frugally. Your Indian friend at that level of frugality sounds too miserly, no offense. Perhaps it works for them.

I have no mortgage and even so my monthly fixed expenses are way more than that. My property tax itself is north of that amount and it is not because I am living in a high tax rate state like NJ. HOA dues, insurance adds on top. Unless you are brutally frugal, there are $400 more expenses a month such as pool maintenance, lawn, fertilizer, house clean etc. Utilities take another 4 to 5 grand a year, even if you are on vacation for large amounts of time. You are looking at nearly $30 grand a year before you spend a dime on yourself.

No Caucasian woman would put up living on $15 K annual total if you have millions in the bank. None that I know of. And as I said, it does not matter if they already own their house -- there are still fixed expenses (Unless they bought a small studio apartment which was paid off and taxes / insurance etc are miniscule). Clearly, that would imply a pretty lousy quality of life -- then one wonders what is the point of making the money in the first place. I think a few immigrants are driven to save and save and pass it all to their children, typically that is not a Western mindset. We want to make sure our kids are taken care off but not at the cost of us living in misery.

Cars are a different issue. I drive mid range cars at best and I drive them to their death. Colleagues that make less than a fifth of what I make at my firm drive much fancier cars than I do. That is a personal preference. On the other hand, I pay an obscene amount for my kids schools, still in middle school. I figure its going to cost me north of half a mil for each kid by the time they have their bachelors degree in hand.

All in all, even if one doesn't live extravagantly it is tough to accumulate huge wealth if gross annual income is less than $150-200 K if also having to support a family. But what I meant in my prior comment was that I also know quite a few who pull in half a mil annually and still don't have socked away enough and would run through their savings if out of a job for a year or two. That, to me, is pathetic.

The math for single men works differently, which I am not. One wonders if single men would still be motivated to keep making as much as they can past 50's- they don't need to support anyone, and the calculation for them must be" how much do I need to save, when do I stop working, and how much fun do I want to have for the rest of my life and what does it cost?

[ShooBree]

Everyone here is completely wrong on all of their claims.

COVID is just a bioweapon brought by extraterrestrial aliens. Having exploited the wave-particle duality of the Higgs Boson particle, aliens figured out how to localize matter across light years of space.

This technology allowed them to directly localize the coronavirus from light years away directly into the anus of a lab bat residing in a Wuhan laboratory. One of the Chinese scientists who had a sexual bat fetish, unknowingly contracted the virus during his nightly anal sexy time with the infected bat. After his evening bat coitus session, he further spread the virus at a basement "pizza party" where the pedophile elite infected dozens of children in Wuhan. The asymptomatic children spread the virus across the globe through these basement pizza parties with world elites.

You're a mentally sick weirdo. You should try to get a job, maybe McDonalds will hire you. Probably not.

[Kuni042]

Europe will not close borders for reasons of plain stupidity. A democracy can close borders easilty. And that has been done before.

So easy coming through la reunion, mayotte, Madagascar. The next 1 seems to be the Indian variant, 2 and 3 important mutations in the spike protein, probably the vaccines will not work, and I am sure it is already in Europe, through UK, Holland. The only solution is the close the boarders like China, but obviously we will never do it, we are a democracy.

[ExpatLover]

Yes Brazilian and south African are already in some EU countries after UK one, 20% Brazilian in Portugal, Brazilian and south African in very deep France, when our doctors say they are not sure for vaccine efficiency, but we all know Chinese government is a big liar, we can t trust, most of Chinese not even trusting and afraid. What is average salary for whole China?

In 2008, basic salary for a worker in a factory was 150 euros, 3 times more for the people working in construction, today minimum salary is 500 euros but very difficult to find people, electrician is 1000 but so many Chinese people want to be self entrepreneur only very few want to work as employee. You have to know that everywhere you can panels "we hire" but no candidates result of so many years of 1 child for 1 family.

[Mursenary]

Actually it's you that you have a writing and logical thinking disability.

It's a writing and / or logic issue. Poor communication from a communications expert.

First on the issue of logic, his thoughts are obviously logically flawed as one can answer yes to both questions believing in both god and conspiracy theories.

But, he only saw one side, expecting you to 1.) not believe in god, then therefore must 2.) declare religion to be a conspiracy theory. That would be logical except that the communications expert communicated that erroneously.

The poster presented 2 yes / no questions but randomly attached a "choose one" condition. What does "choose one" have anything to do with answering two binary conditions? The proper way to communicate what he was getting at would have been to say "you can only reject one," poor communication.

All the YouTube videos in the world can only mask the baseline deficiencies of a mind not suited for logical processing and an education in communications obviously does not ensure adequate communication skills.

[Pessimist]

The Wiki link you posted is for gross national savings, which according to the first paragraph "consists of personal saving, plus business saving, plus government saving". You and Pessimist were discussing personal finance and immigrant savings habits, so I believe a better metric to use would be household savings. On OECD page, I switched to "Table" view and sorted by 2016. China's household savings of 36 % is more than double the second ranked country, Switzerland 17 %.

https://data.oecd.org/hha/household-savings.htm

At above link, if we switch to chart view, you can see China's savings rate was 28 percent in 2000, peaking at 39 percent in 2010. I would say gross income in China has been an upward trend since 1978.

These Asian immigrants probably immigrated pre-1990?

https://www.wsj.com/articles/less-sa...ts-11572427805