On my carrier it's called a MultiSIM. It's having two SIM cards with the same number. On most carriers you can set up if you want this extra SIM to have voice or data (or both). It's usually cheap.
It's true that having two devices might seem complicated, but this is the only setup that ended working out for me: when I know I won't need any smart features on my life, I am happy to go out with my dumphone without worrying about missing urgent calls.
You couldn't instantly record the radio on CD and until computers with CD recorder were common it was harder to share/copy/mix stuff between friends. Tapes were useful before MP3/broadband/p2p file sharing were a thing even long after CD had become common. As a teenager I couldn't afford every CD and vinyl release I liked and even if I had the means the records weren't necessarily available in store locally. Many of us had to rely on that tape being ready in the deck and ninja reflexes to hit the record button fast enough.
Minidiscs would have been better but harder to finance/justify as a kid.
This is bulk of the problem. Don't expect kids to do better when their role models screw up so badly. Sure some will come on top of their own parents but thats not the norm rather just an exception.
There is always the peer pressure excuse but thats not good enough. At the end who buys and setups and keeps paying for that phone?
The other side of it - why can't parents set up screen time and app limits, especially during school hours? No kid needs access to clash royale or snapchat during the school day. The phone should be locked down to "essentials" like the calculator, etc.
If you believe the rule of law and ~general financial stability of the US will persist just keep on investing regularly and ride it out. Markets have a long history of bouncing back and they will keep doing it until they don’t. When/if that happens your retirement dreams might seem quaint compared to the global socioeconomic reality. The people who could sustain the most near term pain are those who have already retired and are living in a fixed income.
Index funds, generally. Ideally something more diversified than just an S&P500 one, but honestly historically it usually hasn't made _that_ much difference in the long run.
Assuming you're talking decades away, it usually all comes out in the wash.
Now, where you should really potentially worry is if you were retiring imminently and needed to pull out a bunch of money to make that happen. But if you're retiring in 20 years or whatever, and, say, the S&P halves next year, is it really, in the scheme of things, _that_ big a deal?
If you could time it perfectly, you could come out better by selling now and reinvesting after the crash, but bear in mind that you probably cannot time it perfectly. People were predicting the 2008 crash imminently from about 2004 on, say, whereas the dot-com crash went from dark mutterings to chaos in a year or so. These things are very hard to time.
As long as you have a decent capabilities and range, and don't keep all your savings in your employer's stock (either real, or, more stupidly, imaginary "options"), stupidity of your employer will only affect you in the short term. In the longer term, you're likely find another one. It's not fun, but it's how it goes.
Like everyone else, wait until the very last second, just as the market peaks, to unload your assets. Before the institutional investors and insiders beat you to the punch.
Spend well below your earnings, max out tax advantaged savings plans, save aggressively, invest lazily (standard blended portfolio or close to it probably will suffice) and 20 years should be enough to make a decent nest egg.
"The cause of the recent crash of flight ADZRUS-666 has been determined to be a badly scheduled ad impression which covered all screens in the glass cockpit to show aan ad of a dancing hippopotamus in a tutu selling skin care products while the plane was on final approach in IFR conditions."
Free software is not immune either, like in case of Ubuntu, or Firefox. But honestly, it's nitpicking, free software is humanity's real chance of having ethical software, and the situation in open source land is orders of magnitude better in this regards, than in proprietary land.
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