If a species was capable of interstellar travel, and they could visit us, they most likely wouldn't because we are still so primitive. To them, hanging out with us would be like my going outside and trying to communicate with a colony of ants.
My best friend worked for a number of years for Intel. He got me into their HQ to hear a talk by Stephen Hawking. The Hawk said that if intelligent life visited us before, we would know by now. Because we would all be enslaved and they would be sucking our innards through straws as a garnish for their space cocktails, knowing how humanity has treated every other new tribe or form of intelligence that it has encountered.
It's weird that 7% difference in oxygen present in the atmosphere over that same time makes it so that large shit can't live any longer. Like spiders the size of bean bags and 10-feet tall hominids.
Breathing is a beyootch. I think with global warming, a lot of people are hoping it will limit the evolutionary size of Americans. Because there ain't no stopping us from reaching dinosaur proportions at this rate.
Does anyone have any experience with online savings account (Popular Direct, Marcus, Betterment, etc)? Some decent looking rates, but I'm put off by the inability to go physically speak with someone if an issue arises.
"Speak to someone". OK, boomer.
I still primarily use a credit union account at a space/defense lab I worked at in Maryland some 35 years ago. Never had a problem not being within 3000 miles of a branch since then.
What you mean ser
Do you like them? Have you had any problems withdrawing or transferring money to a bank account before? When they say "direct deposit," do they mean setting it up with my employer or just consistently depositing money? Any other online banks you have accounts at that you would recommend?
I started a "cash reserve" account with Betterment for that 4% rate, but the fact that they don't have 24/7 support doesn't make me feel comfortable handing over large amounts of money. They couldn't even connect to my existing bank accounts for some reason, so I'm taking that as a sign.
You can always start with the minimum investments and try it out. keep the risk profile low.
But as someone else pointed out, why are you hoarding tons of Scrooge McDuck-levels of money in cash? You're not an Argentinian.
I need to get more serious about retirement now that I'm in my mid 30's. Fuuuuuuck.
Too late for your generation, bruh. What retirement?