On: Everything everywhere is securities fraud

[duality]

Do these "life hacks" apply in other developed countries, or is the US special in this way too?

[JumpCrisscross → duality]

> Do these "life hacks" apply in other developed countries

If by “developed” you mean the U.K., Australia, France, Germany or Japan, then yes. Parsimonious retention is a generally prudent measure.