I'm looking for ex-US investment funds, including bonds. My goals are

1. Low cost broad index ETF
2. Non-USD hedged (preferably not currency hedged at all)
3. Equities, government bonds, corporate bonds, etc.
4. US citizen compatible or UCITS (I want to recommend to Americans)

I was wondering why people warm up in sweatshirts. I guess it helps

I'm looking for a super warm winter coat that will last me forever. Something that will keep me warm around -30 C. I'm thinking military surplus, because it should theoretically be more durable (right?).

Price isn't a huge issue if the quality is worth it.

US rules control a lot of how Americans can invest their money.

• https://www.irs.gov/businesses/small-businesses-self-employed/report-of-foreign-bank-and-financial-accounts-fbar
• https://www.irs.gov/forms-pubs/about-form-8621

not to mention the US taxation of Americans abroad. My understanding is that it's very difficult for Americans to invest in EU funds and/or use EU banks. Americans in Europe I know opt to keep their investments and large account balances in the US, with spending money in EU accounts.

I'm not an economist, but if these rules were gone, would this help the EU economy, by allowing US money to be invested into Europe more freely? For example, concerned Americans could move their accounts to EU investment funds/accounts

ASUNCION - Top officials from the EU and the South American bloc Mercosur signed a free trade agreement on Saturday in Paraguay, paving the way for the European Union's largest-ever trade accord after 25 years of negotiations.

The agreement, designed to lower tariffs and boost trade between the two regions, must now gain the consent of the European Parliament and be ratified by the legislatures of Mercosur members Argentina, Brazil, Paraguay and Uruguay.

My 5.5yo daughter is very shy, so I've been pushing her into hobbies to help managing her shyness. I've talked about how being shy is fine, but it's something to work on, otherwise she'll have a really hard time making friends. I'm shy and told her about that.

I took her to a gymnastics class (we do gymnastics together at open gym), but she refused to join the class. I said if she does one activity (even just a game at the end), I'll get her ice cream. We spent the time sitting on the side.

She didn't do it, so I figure no ice cream then. She's pretty mad. I'm not mad with her, but just of the opinion that we had a deal, and if she wants the reward, she needs to earn it.

Too harsh? Too soft? Alternatives?

My country heavily uses Facebook for all events. Sadly I can't find cool events without it. Even leftist groups are heavily on Meta, which I can't understand....

Does anyone have experience pushing to get communities off of Meta? Suggestions?

I'm in a NATO "ally" to the US country

I have been experimenting to treat my SAD. So far light seems to be the most important, but anecdotally when I take melatonin at night, I feel more awake in the morning.

Is this known to help? I couldn't see any research on it in my search. I'm wondering if the melatonin usage helps control my rhythm better.

My LongFast message history keeps disappearing. Is this expected?

I'm on Android with GrapheneOS

My access to in person coaches is limited, so looking for online. I'm at intermediate level and plateauing, so I'm looking for a coach who could help me break the plateau.

Any recommendations?