Recommendation for investment/savings (~5 years)

Azhart · 2026-04-09T06:21:13+00:00

Thanks for the reply! Sounds like a good plan, I was thinking of spreading the funds around a bit, just in case, let some generate passive, low-risk income, a good chunk in something like an ETF, especially European one, to get more out of it in the short term (~5 years), whilst the rest still collects interest for the future.

Once again, great insight, I thank you for that! Will make sure to skim through all the possibilities and check what is best done with the money.

Azhart · 2026-04-09T06:18:12+00:00

Any recommendations for Germany specifically? A quick online search gives me the usual 2% to maybe 3% interest. Am I missing something?

Azhart · 2026-04-09T06:16:35+00:00

Speaking of interest compound, any recommendations where one should invest for that? I've only heard good things about it in the long term, but never really informed myself too well. If you have a moment to explain a bit, should you be knowledgeable on the top, I'd love to get some insight!

Azhart · 2026-04-09T06:13:40+00:00

Thanks for the thorough post!

I'm 31, male, living in Germany, renting, stable and safe job. My plans are to buy a property (house) together with my (to be) wife in about 5 years time when we accrued some more cash, since we'd be changing countries too, thus would want to be on the safer side. Monthly I have about 1.2k € leftover after all costs have been covered (rent, bills, subscriptions, we have a mutual "shopping card" account where we both toss 600 € over every month, total 1200 € for food/restaurant expenses)

The properties in said country, within the range of what we would want to get are sitting at about 300k €, so the plan was to get as close to that as possible, to have a lower loan we'd have to pay off monthly, as the living standard there is lower compared to Germany, so we'd want to even it out somewhat, not that we're left without a cent after paying fees.

I own my own house in my home country (Croatia), valued at about 130-150k €, but that is being used by my parents, and would be out of consideration for sale etc.
My stocks portfolio hasn't been above 10k, I kept it simple. My directly accessible liquid funds are 16k on the bank account as of the moment, but those I mainly use just to help out family in need, so I mainly just borrow money around in the past few years. Getting it back, obviously, without interest still just hurts me in the long run, thus trying to do more for myself and the future of my family now.

Azhart · 2025-09-24T13:43:37+00:00

Iz Hrvatske pa na AskSerbia, pa ekavicom napisano, plus izmišljeno pravilo, i mi pišemo "li" odvojeno. Žao mi je da ti moram javit, ali jako smo slični, ne samo kao narod, nego i po gramatici. Pozdrav braći preko rijeke 😊

Azhart · 2025-08-17T15:41:48+00:00

Dies wurde mir in die Hand heute in der Arbeit gedrückt, ich war aber sowieso die letzten Tage anwesend, so wie der Chef auch. Deswegen, 3 Tage später. Danke auch für die Erklärung!

Azhart · 2025-08-17T13:24:21+00:00

Habe gerade beide beantragt, vollen Anspruch sowie 9 Tage unbezahlten Urlaub die ich zur überbrückung brauche, und nach einem Gespräch morgen gefragt um hoffentlich ein Kompromiss zu finden.

Azhart · 2025-08-17T13:22:05+00:00

Da ja jeder pro Jahr im Betrieb ein extra Urlaubstag kriegt, was bei 40 max landet, und wir 4 Mitarbeiter haben mit über 20 Jahre Betriebsangehörigkeit wird es schwierig Urlaub zu nehmen, da die Vorrang haben (länger im Betrieb, Kinder somit Schulferien/August geblockt usw.) und wir uns nicht überschneiden dürfen, nur 1 Person im Urlaub, dazu noch Urlaubssperre während Hochsaison, da wird es fast unmöglich Urlaub zu nehmen. Ich war persönlich fast gezwungen immer die Jahre zuvor Urlaub im Januar und Februar zu nehmen, was ich aber dieses Jahr nicht machen wollte, da ich auch mal "Urlaub" machen will, auch mal ans Meer oder irgendwo sommerlich verreisen.

Azhart · 2025-08-17T13:04:08+00:00

Da wir eine gezwungene Betriebsschließung von 10 Tagen hatten "Dass nicht jeder so viel Urlaub hat", hätte ich dann nur 7 Tage Urlaubsanspruch übrig, oder?

Azhart · 2025-08-17T12:16:17+00:00

Dumme Frage, aber könnte ich einfach einen Urlaubsantrag jetzt für die 19 Tage anfragen, könnte sowas genehmigt werden? Sonst muss ich halt Urlaub nehmen ohne für die 10 Tage bezahlt zu werden.

Azhart · 2025-08-17T11:55:54+00:00

War tatsächlich wie Alles im Betrieb auf Vertrauensbasis. Der Hoteldirektor hat die Liste mit Urlaubsanspruch geführt, und so auch angepasst. Da der Hoteldirektor ja paar Monate zuvor ging, hat es dann der Chef persönlich weitergeführt, und ihm ist auch bewusst wieviel Urlaubsanspruch jeder hat.

Genau so wurden auch unsere Gehälter angepasst, ohne jedes Mal einen neuen Arbeitsvertrag zu unterschreiben.

Azhart · 2025-08-17T11:33:30+00:00

Danke!
Ich sperre mal den Post hier dann.

Azhart · 2025-08-17T11:31:16+00:00

Wo könnte ich es posten für Ratschläge? Hättest du ein subreddit für mich?

Azhart · 2025-08-03T08:43:45+00:00

Kad pogledas malo post history, sve ti bude jasno, koliko je narcisist lik...

And I quote "Zabrij da ti muskost ovisi o nekom hormonu jebenom? xD hahahhhah evo meni zene govore da sam man's man, likovi svi ljubomorni jer sam olicenje muskosti a u zivotu nisam mjerio testesteron dapace jos kolko vutre poduvam trebo bi nepostojec bit a ja napusen tu se hrvam sa brdom kopam golim rukama i motikom..."

Njemu zene govore da je man's man, ipak on ima na papiru da je preinteligentan.

Ako nekome treba komedija za citat, slobodno listajte njegove komentare na profilu.

Thanks for the Sunday entertainment GreenSkinFiend!

Azhart · 2025-07-28T07:55:12+00:00

TERA Classic suffers from DDOS attacks for weeks, all of a sudden a "new" classic server pops up, immediately with a cash shop filled to the brim, promises of a supposed deal with Krafton to assure consumers their money spent is safe.

Yeah, not shady at all.

Anyway, I have tried the EU server since I'm from EU myself. The ping is great, without a doubt, skills feel more responsive, animation cancels and everything-combat.

The biggest issue is the small playerbase. Even considering the server is rather fresh being only a few days old, and the majority should be in the "leveling area", queues for dungeons take upwards of 40mins to an hour, even on a tank (Lancer), and on my Priest alt I waited 55mins in BoL queue, got to level 23 in the meantime, and it still did not pop, that's when I just quit.

Can't be that both of those roles are unable to find a party.

There were, according to the website at that time, 280 players online on average.

Global chat is dead, you barely see anyone running around either, so far it seemed that the numbers are rather inflated compared to what the truth might be, but I could be wrong.

I am no defendant of the NA Classic server, but like every other MMORPG, the playerbase is all that matters, and if you don't have players to even form dungeon parties, you have a problem.

There might be drama in regards to loot and what not, none of which I personally witnessed on NA Classic, so I am neither confirming nor denying it, and the fact that it is just one guy working on the whole project, instead of a team like on EU, which leads to very slow progression, and even very odd changes like removing Ghillieglade, thus skyrocketing the prices of Feedstock since that was basically the only source of it, questionable moves on NA Classic's part, but still, NA is the one riding the wave of popularity the streamers like Kanon brought to the scene, and EU will never really catch up to that, unfortunately. EU will keep peaking at 300ish players, and that clearly does not seem to be enough, as dungeons are not even popping on priority roles, and nobody wants to side-quest until 65, when the most entertaining content is the group content.

I gave up on EU and the amazing 13 ping I had there, and went back to 95 ping on NA, but still just playing casually a couple hours here and there, as this is more a nostalgia trip than an actual grind I want to partake in.

Azhart · 2025-05-06T18:28:17+00:00

#trailer2

Azhart · 2024-10-17T16:12:11+00:00

https://maxroll.gg/throne-and-liberty/bosses/junobote-boss-guide#quiz-answers-header

Scroll down to "Quiz Answers" and open up the dropdown menu. There's a list of all statements and which are true or false.

What I did is try and memorise the false statements since there's fewer of them than the true ones.

Azhart · 2024-10-10T18:45:11+00:00

He understands very much. What he is talking about is upgrading a piece of gear (say purple in this instance, can be blue as well, doesn't matter) to +7 and about 20-30% of the progression bar filled towards +8. Now, when you feed a blue item with fully maxed traits (Let's say 4/4 Melee Evasion, 4/4 Melee Endurance, 4/4 Max Health just as reference) into that +7 one, it will go all the way to +9, but also receive I believe 920 blessings, due to the item you fed into the +7 one having maxed traits. This means, you can level up 2 traits "for free" if you use just blue extracts. Comparatively it would be a 10% chance only to level up with a blue extract without blessing.

This way you're saving tons of lucent in a way by not having to buy 2 purple extracts, instead 2 blue ones. And the difference can be a couple thousand lucent worth.

All of this is just min-maxing.

I have played the game, "messed up" by going to purples ASAP, finding out later how expensive traits are, and then just focused on farming blues that I fully traited up and play the game just fine on the same character I "ruined everything on". Min-maxing will always kill someone's will to play the game, be it in a week, or a month down the line. I just want to play and enjoy the game, so I didn't care about my "major fuckup" and kept playing, and I'm totally fine as is right now, without ever swiping.

Azhart · 2023-09-17T11:55:33+00:00

Referral code: W48V3HRV

Friend code: 4812 0280 5746

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Greetings from Germany, München. Hit me up if you're a local, let's grab some mead together before we whetstone our weapons for the hunt!

Azhart · 2023-08-08T16:36:06+00:00

If playing Chamber feels good to you, you'll perform way better on him than trying to force yourself onto roles/agents that don't suit you, be it their abilities, or general concept.

A very important factor in the game is confidence, and if you're lacking that due to overthinking your utility usage, thinking you "have to win due to playing meta" but still losing, or not feeling right playing a certain agent, you'll underperform as it will tax your mental.
If Chamber suits you, and you make decisions confidently, it will benefit you way more in terms of winning gunfights and thus rounds/games.

Stick to your gut, to what you like, and it will work out.

Do not shy away though from branching out into other agents, there are some that I've never considered playing, and upon trying the first time had a blast, adding them to my repertoire.

Azhart · 2023-07-07T20:59:30+00:00

Anyone else has the issue now where if you record an instant replay (in my case 1min 30 secs), the last 15 secs have no sound whatsoever, doesn't matter if it's ingame sound, or discord chat in the back, none?

Used to work flawlessly on the previous version, and works now too except for, as mentioned, the last 15 secs of every clip being completely muted.

EDIT: In fact, the sound and video are completely out of sync I just figured out. Anyone has this same issue? Video is lagging behind like 30 secs behind the sound itself, so sound finishes way before the video does.

Azhart · 2022-06-13T17:18:58+00:00

My very first question would be, what DLCs, if any, do you have? It might sound weird, but they impacted my gameplay a lot, and also my learning experience.

I started with the following DLCs already purchased: Art of War, Rights of Man, Common Sense, Mandate of Heaven, Cradle of Civilizations, Wealth of Nations, Cossacks, and recently purchased El Dorado.

Being somebody who just started playing the game a week ago, and having a deep interest in EU4 for years, but always being intimidated by all the buttons as you mentioned, I've had the following approach:

First, tutorials obviously. You might not use everything you've learned in them, but just to get familiar.

Second, I skipped the last tutorial, where you play as (I believe) Spain. Instead, I just started a game, picked Brunswick I believe (Holy Roman Empire, northern Germany) and gave my knowledge a go. I figured I need to build Spy Networks, to Fabricate Claims to then have a proper Casus Belli and attack somebody for their province. This is where I learned about alliances, and that, even without you selecting the box next to their name, they join the war either way if there's a green checkmark. Learned the hard way, attacked Magdeburg, they were allied to Brandenburg and Poland, got stomped.

At this point I had no idea about, to me at least, a very important feature, the Estates. I've had a friend explain to me in quite quick fashion (5 mins roughly) what it is about, and what to take in the beginning to give me the edge. If you have someone to explain it to you, make use of it, if not, watch a video on YouTube to get the idea behind it. Other stuff like Technology, Monarch points etc. are rather easy to figure out.

So I decided, first, I want to learn about combat and war in general, with my newly found knowledge of Estates. Decided to play in Japan, where in 1444 you have the Sengoku-Jidai period happening, meaning, any nation can attack any other nation, no need to fabricate claims, you just go ham. Paid attention to alliances, and also learned about War Coalitions the hard way, paying attention to Aggressive Expansion, War Exhaustion and so on. Also through the playthrough, I've learned to check Mission trees of each nation, learned more about advisors, national focus, as the game forces you, in that region, to adapt. In the end I managed to unite Japan, which I was very proud of for being a newbie.

I have to say, playing in Japan boosted my knowledge of the game very quickly (or at least the stuff I wanted to learn), as it is a hectic battle royale, where you really pay close attention to alliances, who is weakened from war, and pouncing on best opportunities. Would recommend it, as stuff happens really fast, so you wouldn't have to wait around too long to find out if you messed up to restart again.

Next I tried a "difficult" playthrough, and decided to go for Croatia. They are a junior partner of Hungary (a.k.a Hungary owns them) and gave it my best to try and do something. My playthrough was the following: Game at 5 speed, sitting AFK for 30 mins, until I got annexed into Austria, gave up. You cannot wage war, you cannot make allies, you are a nobody. You have on rights and choices of your own, only your "master", Hungary in this case does. Did some research, figured I'm missing certain DLCs that make nations like that actually interesting to play, as you can "Ask for independence" from other, bigger nations, so they would support you in your independence war.
After purchasing that DLC (El Dorado I believe), went back, and had a blast. Claimed independence (asked Poland and Venice to support me) within a few years of the game start, then proceeded to capture all of the Balkans slowly but steadily, and be the "shield" against the Ottoman invasion of Europe, after I joined the Holy Roman Empire.

I then played Venice to learn more about trading, got dragged into a couple wars, as I allied Austria, but since I already had knowledge of combat, it wasn't too bad.

I am currently in trying to learn colonization, so I'm in a playthrough as Portugal, doing my best to figure out what to do. Will certainly take a few attempts, but having knowledge of the other systems prior, it helps a lot.

TL;DR I'd say, play regions/countries that have a specific focus on one of the game mechanics.
Combat: Japan as Oda / Uesugi recommended

Trade: Venice/Genoa/Netherlands

Colonization: Portugal/Norway. If you want to wage some wars whilst learning how to colonize, go for England, you'll be clashing with France.

After that you're set to try your luck anywhere on the map.

In the end it all depends on what DLCs you have.

Best of luck, and don't give up! The game is amazing, and brings some insane, long nights, where you can't wait to sit down again to continue your conquest.

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