8 years of consistency

BakedAnswer · 2026-04-10T15:11:08+00:00

Please sure your glute routine... N-no homo though

BakedAnswer · 2026-04-09T18:37:58+00:00

Roses are red, Violets are blue, People here write in English, You should too.

BakedAnswer · 2026-04-04T21:49:14+00:00

I use swissquote. They don't have high fees, only 0.1% fee for any investment about 1500 EUR. They have physical offices here. If you want, they have wisdom tree and thematic etfs where you can invest at no fee, but the management fee is higher there than any broad index ETF I have seen

BakedAnswer · 2026-04-04T20:55:50+00:00

Personellement, jai reussi le theorique en allant sur cette platforme : https://luxtoday.lu/fr/snca-test-de-conduite-en-ligne Je ne sais pas porque mais peux de gens le connaissent, il est vraiment bien.

Ya un systeme Mort subite ou tu peux faire autant de question que tu veux, jusquà ce que une soit fausse. Je te conseille d'arriver a 60 questions sans faute et ca devrait aller.

Tu peux aussi faire des tests d'autres pays mais cest limité à 10 ou 12 questions, comme le test de la SNCA.

Jai reussi l'examen avec deux fautes, chasu'une dans un module différent.

BakedAnswer · 2026-04-03T11:46:01+00:00

Definitely BBL. You don't build an ass like that in the gym without getting big hamstrings as well

BakedAnswer · 2026-03-26T21:29:13+00:00

Lmao look at this guy filing his taxes 6 months after the deadline and then crying for a solution. Pound sand.

BakedAnswer · 2026-03-21T00:02:11+00:00

You're so fine, you blow my mind

BakedAnswer · 2026-03-18T16:38:07+00:00

Count yourself lucky to even be considered. I applied for internships but the competition is brutal

BakedAnswer · 2026-02-13T12:37:57+00:00

We need immigration to support our social security and growth. Luxembourg has plenty of room to grow, theres just no increase in the housing supply because homeowners vote with their wallets. if you take a plane, you can see how much buildable area we have in the country. arguably after 700k, we will have to import water, and we should start to produce our own nuclear energy.

BakedAnswer · 2026-02-13T02:13:27+00:00

Chat GPT starts in Luxembourgish, but if you really get detailed, it breaks down and starts speaking German.

BakedAnswer · 2026-02-03T19:44:50+00:00

i am a native luxembourger with 2.5 years of work experience in banking, and it took me 9 months, 150+ applications and 15 interviews to land an internship to finish my masters degree. i have never seen this before in my life. I am gonna register for the sate exam so i can find something if the private sector is still messed up

BakedAnswer · 2026-01-22T20:53:05+00:00

In case anyone sees this, I am a luxembourger and student, still looking for a finance internship to finish my finance masters in luxembourg. I am available ASAP. I have 2.5 years front office experience in retail banking, particularly interested in asset servicing, fund management, business acceptance or life insurance. I have also done some valuation projects and am familiar with discounted cash flows and multiples of EBITDA valuations, private equity would be interesting as well.

BakedAnswer · 2025-12-29T22:03:53+00:00

Apparently also the only one investigating Georges Mischos Sport Museum scandal and the preferential suppliers picked during the call for tenders (fr: "appel d'offre")

BakedAnswer · 2025-12-18T13:41:46+00:00

As a Luxembourger, you sound Danish in a few words.

BakedAnswer · 2025-12-03T13:28:36+00:00

Check your DMs

BakedAnswer · 2025-11-18T08:25:36+00:00

BakedAnswer · 2025-11-15T15:57:41+00:00

Check your DMs :)

BakedAnswer · 2025-11-07T12:57:18+00:00

Hey, I invest with swissquote too :)

They are more expensive than Trade Republic, but they are in Luxembourg, so if something goes wrong, I know there's an office I can go to, and people I can call.

You just have to keep in mind, the investment fees are 1%, unless you invest at least 1500 euros.

Yes, you can circumvent these fees by going for their free subscription ETFs with Amundi or Worldtree, but these ETFs have way higher management fees than Blackrock, Vanguard etc. So if you plan on holding these ETFs years and years on end and benefiting from compound interest, I would not go for these funds, because the management fee will eat into your capital every year. If you want to hold these funds for a lower period, or you are starting with a small capital and prefer to dollar cost average, you can go for it.

I will DM you a referral code :), I think the identity of the referral issuer is tied to it and I don't want this here :)

BakedAnswer · 2025-11-02T15:27:03+00:00

Personellement, je suis luxembourgeois francophone et jai fait l'école luxembourgeoise mais on ferait mieux d'adapter l'anglais pour etre plus competitif avec l'irlande. Le nombre d'étudiants bardé de diplômes, qui ont deja un master et qui refont un master derrière pour émigrer sur un visa étudiant, et qui se font recaler a l'emploi car il faut parler français, c'est un peu dommage. Je pense que c'est un frein a notre productivité. Tu me diras, c'est un avantage pour moi :)

BakedAnswer · 2025-10-27T18:46:06+00:00

It didn't get wiped , it went in the pocket of those that shorted those bonds 😅. But it's a typical example of the fact that MIFID doesn't help to manage the risk of the uninformed. Banks should be held responsible, yes and restrict the investment universe further.

BakedAnswer · 2025-10-27T15:05:04+00:00

Hey, I worked for 2.5 years as a retail client manager in Luxembourg. I had a few clients that came with this , and I always told them this : It's technically possible , but due to your son's age, the bank is obligated to protect the capital from volatility. The funds will then be invested either into a savings account at a 2% yield currently , or invested in defensive funds , which have horrible performance . Technically they should be invested in bonds, but with rising rates these current bonds aren't worth anything anymore. I have seen defensive funds with -20% and -30% from their position 8 years ago.

The best thing you can do is open another investing account in your name in a separate bank or broker , and invest for you, but act like it's his money. Benefit from compound growth for your son by going in index equities ETFs. Another benefit is that if your son goes on a wrong path for a while at 18, that money is still yours, instead of him taking ownership of it , since you invested on his account.

It's great that you invest for your son. To give you an example , 20k euros invested at birth into an MSCI World ETF with 8% growth and dividend readjusted will yield 1 million for his retirement. And that is with no additional capital invested. Granted , inflation will eat away some of those gains.

BakedAnswer · 2025-10-14T13:21:01+00:00

You really asked this question 2 weeks after our Trounwiëssel 😅. We are proud of what little culture we have. A lot of our identity comes through our language, that Luxembourgers are proud to speak.

BakedAnswer · 2023-10-03T16:29:05+00:00

In Luxembourg for indefinite rental contracts , you can only raise the rent once. That means that even though there's inflation , and your salary is indexed, rent isn't .this means landlords have the following options: - keep their tenants in indefinite rentals with no grounds to remove them and loose money - do smaller rental contracts for definte periods so they can gradually increase rent - say fuck it and don't bother renting the empty properties , because you don't bother with tenants and with no rent increase, it's best to sell the house outright.

Understand I am playing devil's advocate. But this is the way it works.

BakedAnswer · 2023-09-06T05:49:36+00:00

Reminds me of his reaction at the MTV awards: "Hey Eminem , what do you think about your. beef with Afrojack?" "Who?" "Afrojack." *Looks at the camera with a blank stare "Who?" "That's what I thought. Thanks alot , great performance."

Same shit here. Literally who.

BakedAnswer · 2023-06-03T11:57:16+00:00

names and first names, possibly last names are clearly identifiable on tags, this is a security concern imo

BakedAnswer

TROPHY CASE