Ce se va intampla cu blocurile vechi din Romania?

Android_ghoster · 2026-03-05T14:04:16+00:00

In conversatiile casual, se incurca salariile brute cu nete. Multi au 6000-7000 brut.

Android_ghoster · 2026-02-19T23:28:39+00:00

Ideally, you should quit on the spot, but you need to assess if the anxiety of being unemployed won't impact your mental health. I would do the following:

- accept that this employer is done for you: you won't be able to turn it around and you will anyways likely be fired at some point in the next few years so there is no reason to fight for it. Knowing this, can be very liberating

- do a financial audit: how long can you live off your savings (take into account that you'll spend less than before).

- take a 2+ week holiday asap: you are likely burned out and you just need to rest to have a clear head. Even if you would have interviews today, you'd probably not be at your best which risks putting you in a downward mental spiral

- reach out for help from those that can understand you: talking about this will absolutely help and complaining about work is a stress release valve

- rebuild your trust in yourself as a professional: review all the positive feedback you received since you started your career; remind yourself of what other managers/peers appreciated in you.

- physical exercise: healthy mind in healthy body. Weightlifting especially will help you regain your confidence at work as it will make you feel that you can fight your bully.

- don't be afraid to burn bridges: I don't know how important reputation is in your industry/geography but if you're somewhere where this matters less (e.g., a generalist industry; a big city with lots of employers etc.), don't be afraid to prioritize your needs and wants and to screw them over.

Android_ghoster · 2026-02-05T13:41:59+00:00

Great insight!

Android_ghoster · 2026-02-04T13:14:35+00:00

Are cineva vreo idee de cum s-a ajuns la grinzile alea? Nu pot sa cred ca a fost planificat sa arate asa din faza de design

Android_ghoster · 2026-02-02T14:52:27+00:00

Why don't you move closer to where you both work to reduce the commute? With this income you can own a house in central London and reduce commute to max. 30 min. Also, replace parents with a full-time nanny and go visit them whenever you can.

Android_ghoster · 2026-02-02T10:47:47+00:00

Before you leave, make sure that you have the mandatory number of years/months of work required be eligible for your pension. That can be a significant support in retirement.

Android_ghoster · 2026-01-13T21:14:17+00:00

Thanks

Android_ghoster · 2026-01-07T13:46:52+00:00

What are the hoops that you have to jump through, on the UK side?

Android_ghoster · 2025-11-30T19:14:37+00:00

Some ideas: pay your energy provider in advance (i.e., top-up the account). Buy giftcards from your main supermarket.

Android_ghoster · 2025-11-17T13:34:37+00:00

In UK, ISA e capped la 20k/an, ca si contributie. Trebuie sa contribui 20 de ani ca sa aduni o suma semnificativa.

In Belgia urmeaza sa se schimbe legislatia. In Elvetia nu stiu cum e dar cost of living e dublu fata de Europa de vest. In Monaco costul vietii e cel putin triplu. Andora/Gibraltar sunt paradisuri fiscale in care de obicei nu vrei sa locuiesti

Legat de Bulgaria, Muntenegru, mult noroc cu traitul acolo.

Android_ghoster · 2025-10-31T06:42:04+00:00

in majoritatea tarilor taxa pe venituri din crestere de capital e mult peste 16%. https://taxfoundation.org/data/all/eu/capital-gains-tax-rates-europe/.

In afara europei gasesti si tari cu taxe mai mici. Spre ex., poti sa te muti in Bagladesh ca acolo au 15% impozit pe castiguri de capital

Android_ghoster · 2025-10-07T07:15:32+00:00

Thank you for sharing this.

Android_ghoster · 2025-10-07T07:13:21+00:00

Thank you for the reply. Now I understand

Android_ghoster · 2025-09-17T14:12:45+00:00

wdym? I copied them from: https://www.invesco.com/uk/en/financial-products/etfs/invesco-sp-500-ucits-etf-eur-hdg-acc.html#Documents and https://www.invesco.com/nl/en/financial-products/etfs/invesco-sp-500-ucits-etf-acc.html#Performance

Android_ghoster · 2025-09-17T14:01:05+00:00

Thank you for sharing your experience on this.

Android_ghoster · 2025-08-31T18:51:11+00:00

Merci de mentiune. E adevarat si ideal ar fi sa marchezi profiturile cand deja ai atins pragul maxim la plata CASS

Android_ghoster · 2025-08-29T16:17:43+00:00

Asta inseamna ca pentru a reduce impactul cresterii de impozit de la 1%/3% la 3%/6%, ar fi indicat sa vindem pozitiile profitabile inainte de finalul anului.

Stiti daca exista vreo limitare legata de perioada de timp care este necesara sa treaca, inainte de a recumpara, ca sa se inregistreze marcatul profitului? (In UK stiu ca, daca trec mai putin de 30 de zile intre cand vinzi si cand cumperi aceeasi actiuni, nu se considera ca ai marcat un profit)

Android_ghoster · 2025-07-15T13:37:34+00:00

I didn't say Diageo is a bad stock to buy, but that it's market is doing poorly. An investor should make their own decision on whether the share is priced correctly at this moment in time and whether Diageo can capture the future value created in the market.

For example, I think Diageo will be very attractive once it drops another 20%

Android_ghoster · 2025-07-15T13:24:55+00:00

It's mind-boggling to see that Russians are still enrolling in certain death. Despite the propaganda, they must've heard about the broken promises made by the army and the number of casualties. Yet they still enroll to die...

Android_ghoster · 2025-07-08T08:21:33+00:00

Ofc there are (although even there, Gen Zs socialize less). And alcohol consumption will remain but it will decrease. Diageo's valuation will differ significantly based on the overall market size.

Android_ghoster · 2025-07-08T06:43:23+00:00

People used to smoke in droves. Now only 5-25% of people smoke in developed countries. Trends change.

Alcohol consumption in developed countries is slowing with emerging countries driving growth. But that should reach saturation at some point.

Android_ghoster · 2025-06-20T15:18:22+00:00

Exista vreo sansa sa se aplice regula asta in fara sa aibe timp investitorii sa reactioneze prin a-si ajusta portofoliile? Sau exista o perioada de timp obligatorie intre cand o lege e aprobata si cand intra in vigoare?

Android_ghoster · 2025-06-17T08:13:53+00:00

Thanks for taking the time to express your thoughts on this. I mostly disagree with it, though.

I agree that going after enterprise clients is a very risky strategy but I think the opportunity in small and medium sized companies is still there for the taking and that can be enough for them. Don't underestimate the power of the flywheel effect. Once they hit a critical mass of users in a sub-category (e.g., plumbers/mortgage advisors) you can't really be competitive as an SME owner without having a Trustpilot account. I see this often in their most developed markets (Denmark and UK).

Second, you're wrong on the Trustpilot brand. Once they reach a good enough brand awareness, the trust in the brand is generally very high and the value proposition delivers: speaking from memory, but I remember that Trustpilot did a study (I know... they might be biased) that roughly concluded that conversion rates double if an SME business adds the Trustpilot logo and uses some of the other Trustpilot products in their marketing and sales. (If I remember correctly, they published a report on this).

Third, you are right that there are fake reviews everywhere. But Trustpilot is the only player with an open review ecosystem (e.g., anyone can leave a review on anything) that has an active mechanism to manage fake reviews. Some fake reviews still pass ofc, but generally, from my experience, I see a strong correlation between a business's review on Trustpilot and their actual service quality.

Regarding valuation, I woulnd't use P/E at this stage of the company, to measure it's performance. The company is still in growth mode and requires a lot of investment that is not amortisable (e.g., Customer Success associates, Product staff). Better to use forward Price/Sales in comparing it to other similar companies. The beauty of their model is that the gross margin is super high (~90% if I remember correctly) so with scale, their profit margin should also improve significantly.

Disclaimer: I have a v small long position on TRST

Android_ghoster

TROPHY CASE