I prioritize ethics over optics even if it means facing criticism.

Sharing my honest beliefs, welcoming constructive debates, and embracing the potential for evolving viewpoints. Independent thinker navigating through conversations without allegiance to any particular side.

  • 9 Posts
  • 263 Comments
Joined 11 months ago
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Cake day: October 13th, 2023

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  • I check sahko.tk in the evenings to see if it’s going to be particularly expensive the next day. This is mostly in the winter time, at summer I hardly pay any attention to it. They usually warn people in the news too for the handful of really expensive days in a year. Depending how high it gets I might turn off the heating for the peak hours but generally not because it doesn’t really make that of a big difference as the prices average out over a long period of time. Some people have automatic thermostats that turn off the heating after the electricity price passes a certain limit. My water heater for example is set to go on during the night when electricity is at its cheapest.




  • I live in Finland and me like a large number of other Finns have a plan in which the price changes every hour according to the market price. Typical price for electricity is around 4c/kWh in the summer and around 15c/kWh in the winter. However it’s not uncommon at all for the price to spike into 30c/kWh or even 70c/kWh. Last winter there was a day that it spiked to 200c/kWh.

    How do we deal with it? By turning down/off the heating if possible and burning wood instead. If not then you just deal with it and have to pay significantly more for a few months. Then again if your plan has a fixed price to like 10c/kWh then that also mean you’re paying that even when the price drops to zero which also is not uncommon at all. Often happens several times a week during the summer time. Sometimes it even goes into negative. It’s still not literally free though since the transfer cost is around 6c/kWh plus energy fee and taxes.







  • He’s not a passive investor then. Passive investing doesn’t require any managing. What he’s doing is not the recommended style for normal people because it’s effectively gambling.

    My investing requires zero managing. I set it up once and haven’t touched it since. It automatically buys more shares each month and never sells anything. If the market crashes tomorrow, I’m not doing anything differently. It’s like automatically moving money to a savings account each month, but instead of putting it in a bank, I’m buying index funds.

    Keeping large amounts of money in the bank not only isn’t making you any money, but you’re losing money you’ve spent your valuable time working for. It’s like giving back around 5% of your salary each time you get it.