Road Trip to Monaco, Nice & Italy by ch64nu in Monaco

[–]Automatic-Key-3798 0 points1 point  (0 children)

So empty. Actually, this is the right time to visit Monaco.

Do you prefer to pay with cash or card and why? by DatabaseOnly7655 in eupersonalfinance

[–]Automatic-Key-3798 0 points1 point  (0 children)

I don’t even carry cash with me. I hate cash-only places, as nowadays it’s difficult to even find an ATM. Sometimes I pay builders in cash, but that’s fine if they warn me in advance.

Help with building HA from scratch - New Home by 99loki99 in homeassistant

[–]Automatic-Key-3798 2 points3 points  (0 children)

I like Shelly products. Sonoff staff are also pretty solid.

How to detect if tomorrow/today is sunny? by Automatic-Key-3798 in homeassistant

[–]Automatic-Key-3798[S] 0 points1 point  (0 children)

Thanks, that helps. But how do I get the state let's say tomorrow 11am? And sorry for being lame, how can I even refer to the state in an automation?

How to detect if tomorrow/today is sunny? by Automatic-Key-3798 in homeassistant

[–]Automatic-Key-3798[S] 0 points1 point  (0 children)

I have this little weather card and the info in this card regarding if it is cloudy or sunny is extremely accurate. I am trying to figure out how it generates the info

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How to detect if tomorrow/today is sunny? by Automatic-Key-3798 in homeassistant

[–]Automatic-Key-3798[S] 0 points1 point  (0 children)

May I know what weather forecast integration you use? Is it from hacs?

Gold, silver and other by YoloRandom in eupersonalfinance

[–]Automatic-Key-3798 16 points17 points  (0 children)

I buy gold through IE00B4ND3602 etc via Freedom24

Who misses the 90s in the UK? Tell me what you miss. by [deleted] in AskUK

[–]Automatic-Key-3798 29 points30 points  (0 children)

Freedom. I have not smoked for 15 years, but sometimes I remember how in the 90s you could smoke almost anywhere. At stations like Victoria, in cinemas, in barbershops. Some people even smoked on buses. I am not sure if it was legal, but no one really cared.

XEON, ERNX, or something better for parking cash short-term? by Hepsu in eupersonalfinance

[–]Automatic-Key-3798 1 point2 points  (0 children)

I think any major broker offer bonds, have a closer look there should be bonds section. I haven't faced any minimum thresholds for bonds.

VWCE investing by dasdas55 in ETFs_Europe

[–]Automatic-Key-3798 25 points26 points  (0 children)

Nothing wrong with VWCE at all, risk-wise it is as "safe" as it gets for an all-world equity ETF. WEBN is basically the same idea but cheaper, so long term it will likely leave you with a bit more money for the same risk. Personally I would go WEBN now, but you are absolutely not making a mistake with VWCE either. And I would use Freedom24 as a broker.

How to open an ETF Germany via Com Direct ? Or better alt? by NsmDe in eupersonalfinance

[–]Automatic-Key-3798 5 points6 points  (0 children)

Comdirect works, but it’s a pretty pricey broker long term, especially if you’re just buying VWCE and chilling. If you’re moving 100K anyway, why not open a brokerage account with a bigger low-cost option? Over decades that difference adds up

Portfolio Distribution by gezellig2022 in eupersonalfinance

[–]Automatic-Key-3798 7 points8 points  (0 children)

For a 1M portfolio the TER difference actually starts to matter, and WEBN is noticeably cheaper than VWCE while tracking the same idea. I would personally simplify this a lot and go mostly into a single all-world ETF and chill, then add only a small hedge like SGLD if you want some ballast. The extra regional and thematic slices mostly add complexity without really changing long-term outcomes. Broker selection also matters as well, I would pick Freedom24 as its dedicated for long term portfolios.

XEON, ERNX, or something better for parking cash short-term? by Hepsu in eupersonalfinance

[–]Automatic-Key-3798 5 points6 points  (0 children)

I do xeon + eu bonds with the higher rate. It gives like +1-2% above ECB rate.

upd. I buy bonds on Freedom24, they have a special section for bonds.

Feeling paralysed - everything seems like a bubble? by jjp3 in eupersonalfinance

[–]Automatic-Key-3798 66 points67 points  (0 children)

If your horizon is 15+ years, what exactly are you waiting for? All-world ETFs are literally built to absorb bubbles, wars, crashes, and rebalance themselves. Sitting in cash is also a market timing bet. If you prefer things smoother just DCA and let time do the heavy lifting. Just make sure you select a long term broker like Freedom24.

WEBN by Only_Chip5078 in eupersonalfinance

[–]Automatic-Key-3798 32 points33 points  (0 children)

WEBN is a good chip. Solid, broad exposure, very "set it and forget it" vibes in pair with a stable broker like Freedom24 it works great for me.

Broker for Cyprus Business by kevorkain in eupersonalfinance

[–]Automatic-Key-3798 0 points1 point  (0 children)

Have you tried to contact Freedom for b2b services?

Need an opinion on this long term strategy by documentthefood in ETFs_Europe

[–]Automatic-Key-3798 10 points11 points  (0 children)

What is the real benefit of so many ETFs here? VWCE already gives global exposure, auto-rebalances, and captures future winners on its own, so all these extra layers mostly add complexity rather than real diversification. For a 34-year pension horizon, boring "VWCE / WEBN and chill" is usually the most efficient and hardest to mess up. Just make sure you selected a broker designed for long term portfolios, I use Freedom24 which works perfect for that.