You can also do target date funds. Each one indicates the projected year you expect to retire. As you get older, it shifts more to safer investments like bonds. The idea is invest in the stock market when you are young and don't expect to use the money soon. You are able to hold through downturns in the market and returns have historically always trended up despite the occasional drops. When you are near retirement and expect to be using the money you can't always afford to wait it out so you should invest in things that are more stable but have lower returns like bonds. Target dates have slightly higher fees and you should always check what the fees are before you invest, but they are very set it and forget it.

I'm curious if the problem is how bright LED lights are or something else. I recently bought a car and it has an automatic brights option. Basically, it switched on the brights automatically for some situations. I turned it off because I felt it was turning them on when I didn't need them.

Well for one, in the press conference when he announced the CDC's recommendation to wear cloth masks, he emphasized that it was a voluntary measure and then added he wasn't going to do it. People look to their leaders for guidance. How many people refused to wear a mask despite the CDC's recommendation because the president felt the need to throw in his own opinion with his experts' recommendations.

I'm curious how this will affect creators. Now it is very obvious when YouTube is displaying an ad vs the content creator doing an ad read. If it becomes less obvious where the ad is coming from by injecting it into the stream, I wonder if they're hoping to shift some of the perception of excessive ads off of them.

import antigravity

Turtles yes. Spiders not so much.

I know how obnoxious ads have become on the internet and I've seen how they have progressively gotten longer and more prevalent on YouTube but I don't really know how to feel about this. Conceptually, they are handling and storing so much video data their operating costs must be astronomical. As far as I know, advertisement is the main way they recoup any of that cost so I can't really blame them for this. Maybe they are just reaching a point where they are just too massive to work.