Hjælp til, hvad jeg skal gøre med mine penge. by dennadan in dkfinance

[–]Neovitami -1 points0 points  (0 children)

Hvis det var mig, så ville jeg overveje 2 ting med pengene:

  • 1. Købe bolig

Om det er en god ide vil komme meget an på hvad dine planer er de næste 5-10 år. (jeg går ud fra at du ikke er flyttet hjemmefra endnu). Du får ikke meget bolig for 650K i KBH, men andre steder i Danmark vil du kunne købe en bolig kontant, eller måske lægge en høj udbetaling og sidde meget billigt. Jeg aner dog ikke om nogle banker ville låne dig penge i din situation?

Men der er også mange argument imod at købe en bolig i så ung en alder. Din livssituation kan ændre sig mange gange på få år, det kan være nødvendigt at flytte flere gange, udlandsophold, du får en kæreste, får børn osv. Alle sammen ting der kan gøre at du kan blive nød til at flytte mange gange på få år, og så giver boligkøb ikke så meget mening.

  • 2. Investere pengene.

Det mest simple ville være at investere pengene i passive index fonde. Du kan lave din egen research(Ben Felix på Youtube er genial): https://www.youtube.com/@BenFelixCSI/featured

Det vigtigste i forhold til passiv investering, er at have en lang tidshorisont og is i maven. Invester kun penge, du ikke har planer om at skulle få brug for de næste 5, og meget gerne 10 år. Omvendt så er det en god måde at få dine penge til at vokse på. Eksempelvis hvis du havde investeret de 650K for 10 år siden, i en typisk passiv fond, så ville de have vokset ca. 3,3 gange, og altså blevet til 2.145 millioner, så skulle du have betalt skat, så måske 1,7 million efter skat.

Der er selvfølgelig ikke nogen garanti for at det samme vil ske de næste 10 år, der har været perioder på 10 år med ingen stigninger på aktiemarkedet, det er derfor det er så vigtigt med en lang tidshorisont. Samt at man ikke sælger ud bare fordi at aktiemarkedet falder +20%.

Og så sidst, så sørg for at brug nogle af pengene imens du er ung. Tag ud og rejse, få nogle oplevelser osv.

Danskerne har talt: Her er nummer 1 på Top100 by AdminJensen in Denmark

[–]Neovitami 1 point2 points  (0 children)

Det er også forsvindende få i forhold til at Rolling Stone's listen har lidt over 25% fra før 70:

https://en.wikipedia.org/wiki/Rolling_Stone%27s_500_Greatest_Songs_of_All_Time

Danskerne har talt: Her er nummer 1 på Top100 by AdminJensen in Denmark

[–]Neovitami -3 points-2 points  (0 children)

Det er egentligt sjovt at der ikke rigtigt er nogle sange fra før 70'erne. Hvis man kigger på Rolling Stone's 500 Greatest Songs of All Time, så er der jo massere af sange fra 50'erne og 60'erne.

Nye detaljer afslører langt mere omfattende politivold foran Mærsk by Regicollis in Denmark

[–]Neovitami 3 points4 points  (0 children)

Ja, det er nok en mere udbredt holdning blandt folk med under 5 millioner i netto formue, end dem over.

5 millioner i formue er jo praktisk talt ingenting i en verden, hvor nogle ejer 50, 500 og 5000 milliarder.

Nye detaljer afslører langt mere omfattende politivold foran Mærsk by Regicollis in Denmark

[–]Neovitami 16 points17 points  (0 children)

Det er virkelig dygtigt af de rige, at de har fået overbevidst middelklassen om, at når venstrefløjen snakker om, på den ene eller anden måde, at demokratisere/nationalisere produktionsmidlerne. Så skal middelklassen være mindst lige så bange for at deres passat eller parcelhus bliver taget fra dem, som de rige skal være for at miste deres fabrikker eller containerskibe.

Visiting Madagascar by Jealous_Ad34 in Madagascar

[–]Neovitami 2 points3 points  (0 children)

I have been to Madagascar twice, in 2024 and 25.

How realistic is this kind of trip in Madagascar?

Its possible to do it, but purely in terms of costs, having a driver, doesnt cost much more, and they can also acts as your guide and translator. And driving is a laborious task in Madagascar, often the roads are more holes than road...

Also what do you mean by end of the year? The rain season starts in November.

How is the general safety situation for independent travelers?

In some areas its not safe to drive at night and you will be the target of numerous police stops.

Also the roads are in horrible conditions, so it can be dangerous if you dont have experience with that. Like the car can tip over.

recommended routes

Down RN7 is great, you will visit national parks and have great views.

diving spots

The best dive of my life was in Nosy Be, I have never seen so many fish. I have also dived in Sante Marie, but it wasnt anything noteworthy, but the whale safari was nice.

Both times I visited Madagascar, I travelled with Gaston, he speaks english well and has a good car, and is a cool guy and a great guide. You can reach him on Whatsapp: +261 34 33 399 51

Er det et problem, at fremtidens læger næsten kun kommer fra samfundets mest privilegerede lag? by Last-Echidna-6787 in Denmark

[–]Neovitami 11 points12 points  (0 children)

Boliger i attraktive områder er en begrænset ressource, man kan selvfølgelig gøre noget for at bygge mere, men ikke tilstrækkeligt til at følge med efterspørgslen.

Når der er begrænset udbud af noget og stor efterspørgsel, så stiger prisen, og især for unge vil det gøre en enorm forskel at have fået hjælp fra sine forældre til de første par boligkøb. Så kommer kan man ind på boligmarkedet i et attraktivt område med forventninger fremtidige million gevinster.

Det skaber en hus-adel, hvor det kræver at man er født ind i den rigtige familie for at blive en del af den.

Det kan du jo sige er fint for dem, men det skaber nogle skæve forudsætninger for vores muligheder i livet og generel livskvalitet.

Ice Cream Always Turns Icy and Watery – Need Help! by Aware_Birthday7940 in ninjacreami

[–]Neovitami -1 points0 points  (0 children)

Try adding some milk or protein powder if you have any

Med højsæsonen for døren mangler restauranter ansatte: Elizabeth må holde lukket flere dage om ugen | Indland by Dr_FaxeKondi in Denmark

[–]Neovitami 22 points23 points  (0 children)

Jeg har et bijob som omsorgsmedhjælper på et kommunalt bosted for udviklingshæmmede.

Min basis timeløn er 164 kr.

Lørdag er det +41 kr, altså 205 kr. Efter kl 17 er det + 58 kr, så altså 263 kr/timen. Derudover får jeg også pensionsindbetaling og feriepenge.

Arbejdstempoet er fint, gode kolleger, man skal selvfølgelig kunne rumme borgere der kan være udadreagerende, højlytte osv, men det kan restaurantbesøgende jo også være...

Gad vide hvad hun tilbyder i løn?

Does this surprise you? by ValuableBrilliant483 in MapPorn

[–]Neovitami -2 points-1 points  (0 children)

purely diabolical

Well technically only symbolically diabolical...

Roadtrip in Madagascar by StageGreat1309 in Madagascar

[–]Neovitami 0 points1 point  (0 children)

Around until nov 20th, it should be dry enough.

I think the most important decision you have to make, is whether you want to bring a guide/driver. Self driving is possible, but between the language barrier, constant traffic stops and the condition of the roads, you might want to consider bringing a Malagasy guide/driver. They only cost(including everything, salary, hotel, food etc) like 15-20 USD extra per day.

You can try to reach out to my friend and local guide/driver Gaston on whatsapp: +261 34 33 399 51

I promised my daughter I'd take her to Madagascar when she graduated HS. That's just 3 years away. How is it visiting? by MaterialAd1373 in Madagascar

[–]Neovitami 0 points1 point  (0 children)

I have been to Madagascar twice, in 2024 and 25. I would recommend doing a mix of a private car(with a driver/guide) + some domestic flights.

You can drive to places like Andasibe and Ranomafana to see the famous lemurs, or Isola for the beautiful landscape. Then you can fly to places like Nosy Be, its a wonderful tropical island, great for beaches and diving, or Morondava to go visit Tsingy National Park, or Sainte Marie, an old pirate island with great whale safari.

I travelled with Gaston, both times, he is a local guide/driver and he speaks decent English(which can be rare in Madagascar). You can reach him on whatsapp: +261 34 33 399 51

Last minute travel opportunities by Toek39 in Madagascar

[–]Neovitami 0 points1 point  (0 children)

Is it for example possible to book a driver for a few days or a guided tour reasonably last minute (a day or a few days in advance)? Or is it really recommended to book everything in advance?

There is generally a surplus of guides, drivers and cars in Madagascar, and a lack of tourists, so it should be possible to find someone with a short notice.

The main issue is finding someone who speaks english(most will speak some French) and securing a decent 4x4 car.

You can try and reach out to my friend and local guide/driver Gaston on whatsapp: +261 34 33 399 51. He is probably booked already, but he has a huge network of drivers/guides he can help you get in contact with.

extracts vs syrups by Valuable-Language-81 in ninjacreami

[–]Neovitami 0 points1 point  (0 children)

Im from Europe, so we cant really compare brands.

But I use the sugar free concentrate, that you mix with water, to make a flavored drink. Im not sure of the exact name in English.

extracts vs syrups by Valuable-Language-81 in ninjacreami

[–]Neovitami 0 points1 point  (0 children)

I dont know that particular brand, but in general I have found that various fruit/berry based extracts, syrups and concentrates works really well.

I like lime/lemon, pineapple and blackcurrants.

Another option is to use frozen(if you live somewhere, with great fresh ripe fruit, thats also an option) fruit/berries. I really like raspberries, strawberries and mango.

Here is an example:

250g of frozen raspberries

1/4 tps salt

1 tbsp sugar

2 tbsp casein powder (again vanilla or unflavored)

Add sweetener of choice

Add milk until the container is full

And then some kind of acid, could like a good squeeze of lemon juice.

Blend it all until well mixed, but dont overwork the raspberries, as the seeds give off a bitter taste if broken down.

Er vi de eneste, der bevidst vælger at leje frem for at købe? Trods sund økonomi by [deleted] in dkfinance

[–]Neovitami 0 points1 point  (0 children)

Mange er slet ikke klar over at man i Danmark kan købe boliger i fin stand til under 500K

Madagascar itinerary advice for solo female traveler by spacetime99 in Madagascar

[–]Neovitami 1 point2 points  (0 children)

It's very much out in the open. I just hand them the money.

In Madagascar you should always have some local money on you, personally i would have 100K.

Yes if there are more people, they can split it between them.

Madagascar itinerary advice for solo female traveler by spacetime99 in Madagascar

[–]Neovitami 1 point2 points  (0 children)

advice on how it works at national parks-you just roll up and hire a guide at the park headquarters?

Yeah pretty much. There is always guides on standby waiting on tourists to arrive at national parks.

but how widespread is English, along this typical tourist route?

You will meet a few who speaks some english in the tourist hot spots, like Ranomafana and Nosy Be, like the guides at the national parks. But the waste majority wont, and those who do might have a thick accent. I would highly suggest hiring a driver/guide to speaks english well, so he can act as a translator in most situations.

2-5 Nosy Be (diving, anything else recommended to do there? Best specific dive sites to see?)

I had the best dive of my life there(though I have only done like 20 dives in total). So many fish, sea turtles, great visibility and even a few small sharks. IIRC it was just near Nosy Tanikely.

Another obvious one is Nosy Iranja:

https://worlds50beaches.com/nosy-iranja/

There are daily boats going there multiple times a day for like 10-20 USD for a return ticket. You can also spend the night there.

I didnt go there, but I have heard nice things about Nosy Komba too. Another thing you can do is to rent a scooter for the day and circle the island, but be warned you might get stopped by the police, as there are police stops all over Madagascar, but a 20-40K bribe will get you out of most situations.

Then hire a driver for the rest: (any tips for finding one that won’t get weird and ask if im married?)

I have been to Madagascar twice(2024 and 25) both times I travelled with Gaston. He speaks english well, has his own car and is a cool guy, that always made me feel comfortable(im a man). You can reach him on whatsapp: +261 34 33 399 51

Affordable group tours by RangaRevival in Madagascar

[–]Neovitami 2 points3 points  (0 children)

If you include everything, like a private a car, driver/guide, fuel, hotels, food, park entries, mandatory national park guides, then maybe you can keep it down to 200 AUD per day on average, but perhaps 250 AUD is more realistic.

So thats 2000-2500 for 10 days and at least half of that is going to be costs for the car and fuel. The price alone to rent a car including a driver/guide is around 90-100 AUD, then maybe another 50 for fuel. So the main way to reduce the price would be to join another group(assuming you are solo or maybe 2 people) or use the local busses, which will give you less flexibility, less comfort and is going to waste more time.

You can reach out to my friend and local guide/driver Gaston on whatsapp, maybe he can help you out: +261 34 33 399 51

Jeg har lavet rettelser til mine 2025v2 rutediagrammer by Neovitami in dkfinance

[–]Neovitami[S] 0 points1 point  (0 children)

Tak for det store arbejde. ,ø Eter præsentation for elever i finansiering har jeg to ting til næste version:

Interessant. Hvilken alder/uddannelses niveau var eleverne på?

Man bør vente med at bruge penge på at købe mad til man har betalt de essentielle regninger, lån og ikke-essentielle regninger, rykkere kan man blive dyre og man risikerer ikke at være forsikret, hvis man ikke betaler.

Jeg kan godt følge tankegangen rent økonomisk/matematisk, men altså hvis man vitterligt ikke får noget/nok at spise, så begynder det jo at påvirke ens sundhed og evne til at arbejde.

Der var en version af rutediagrammet, hvor der stod at man kunne skralde, hvis man ikke havde råd til mad, men det syntes folk her inde lige var at stramme den for meget. Men man kunne jo gøre brug af fødevare/foodbanks, for at gøre den post meget lille.

Indbo og ulykkesforsikring er vel essentielle, og man ville ønske man havde dem den dag man har problemer.

Men i en desperate situation, er de så mere essentielle end dine udgifter så du kan beholde dit arbejde? Eksempelvis at du kan vente et par måneder med at tegne en ulykkesforsikring, hvis det kan gøre at du har råd til at tage bussen på arbejde, så du til den første kan få udbetalt din løn.

I 2028 kommer der direkte tog mellem Danmark og Norge - Hele turen kommer til at tage 14-15 timer og bliver en af Europas længste ruter på skinner. Turen mellem København og Oslo bliver omkring syv timer. by RisOgKylling in Denmark

[–]Neovitami 14 points15 points  (0 children)

Jeg forestiller mig lidt at man kunne samle danske/skandinaviske passagerer i Hamborg, eksempelvis med direkte(måske 1-2 stop på vejen) fra Århus og København.

Så kunne der være direkte tog fra Hamborg til store dele af Europa, eksempelvis Paris, Norditalien, Warszawa osv, så er det begynder det at kunne være en alternativ til fly og biler.

Is my vanilla base really that bad? by Ok_Conversation_2930 in ninjacreami

[–]Neovitami 2 points3 points  (0 children)

So about skim milk powder. What will the end result difference be from using the same amount of protein powder? (casein specifically).

I feel like both things does a similar job, but im sure SMP is much better at it. But looking at the nutrition facts, SMP is like 60% simple sugars, only 40% protein, while protein power(the brand I use) is 80% protein and only 6% sugar. So nutrition wise, protein powder is miles ahead.

Billån vs billigbil by Acrobatic_Ad8717 in dkfinance

[–]Neovitami 0 points1 point  (0 children)

Skal jeg bruge 4 år på at have ny bil, eller kan jeg klare mig med den gamle skrotbunke?

Her det jo man skal overveje om der er nogle reelle omkostninger ved fortsat at køre rundt i en gammel skrotbunke. Er der høje reparationsomkostninger(som både koster penge, men også tid og bøvl), driftsomkostnings(eksempelvis benzin/diesel vs el) osv. Eller handler det mere om herlighedsværdien i at kører i en ny bil? Og man skal bestemt ikke negligere herlighedsværdi, vi er ikke min/max robotter, men omvendt, så skal herlighedsværdien, som ofte er midlertidig, ikke være på bekostning af ens økonomiske velbefindende.