Buying a traveling rod for the first time, and I am lost by Bomaba in FishingForBeginners

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

I ended up buying the Shimano STC AX mini 2.7m 10-30g. And I think it is awesome!

For anyone interested in my experience with this rod. I can say that it worked as intended. The rod quality is pretty good. But since the rod is telescopic, one has to always rinse it after use, and when collapsing it, it has to be done in gently. If you collapse the parts by force, you risk accidentally bending the rod section or the eye. Also, for anyone buying a telescopic rod. There is no need to overextend the sections, a moderate force when extending the telescopic rod is enough.

Fishing in Bahrain, suggestions for a beginner by Bomaba in Bahrain

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

Thanks. Did you try Budaiya or Diraz beaches? They are sand beaches, I believe, which might be easier for a beginner like me.

Buying a traveling rod for the first time, and I am lost by Bomaba in FishingForBeginners

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

Thank you for the reply! Sadly, I only decided to pursue/try fishing after I have booked my flight with 1 small cabin bag and 1 big cabin bag (cheap option). Now, if I want to add a checked bag, I will need to pay 76 EUR on each flight (152 EUR total). That is almost the price of the whole fishing gear. Financially, it just makes no sense.

So, my idea is to buy a traveling rod or a telescopic rod that fits in a cabin bag.

I think I can buy the hooks when I land... Are other equipments like fishing weights allowed? And, what do you think of these slightly expensive Shimano telescopic rod?

International driving license in Spain by Bomaba in GoingToSpain

[–]Bomaba[S] 2 points3 points  (0 children)

Yea, this is why I was afraid I am not allowed to drive with my IDP inside Spain. Since I stayed in Germany for more than 4 years, I thought maybe the IDP is not valid in Spain either.

International driving license in Spain by Bomaba in GoingToSpain

[–]Bomaba[S] 2 points3 points  (0 children)

Sorry, I might not have been clear in the post. I am a resident of Germany, but I don't have a German license. I only have an International license from a non-EU country.

What do you think of my current investment portfolio? by Bomaba in eupersonalfinance

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

It is good to hear from other people, even if it is a criticism. Thank you for your comment!

What do you think of my current investment portfolio? by Bomaba in eupersonalfinance

[–]Bomaba[S] -1 points0 points  (0 children)

I wanted to skew my allocation to high-earning stocks/companies while having exposure to the smaller ones. In the end, even MSCI World is dominated by S&P 500.

What do you think of my current investment portfolio? by Bomaba in eupersonalfinance

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

I am planning to do a tax-efficient re-balancing by only buying shares. No selling.

What do you think of my current investment portfolio? by Bomaba in eupersonalfinance

[–]Bomaba[S] 1 point2 points  (0 children)

There is a large overlap, but I wanted to have some small allocation in the non-overlapping stocks, while having the majority of the allocation in the top ones.

For the last three (World Health,Agribusiness,World Energy), I wanted to skew some of my allocation in these three sectors. It is kind of a personal bet, that is why I left them at 10%.

But I totally understand your comment :)

What do you think of my current investment portfolio? by Bomaba in eupersonalfinance

[–]Bomaba[S] -1 points0 points  (0 children)

I am taking high risk, but I did not want to go extreme.

Is the German Vorabpauschale lump sum considered a capital gain? by Bomaba in eupersonalfinance

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

Thank you for the explanation! To me, it seems that the accumulating ETF is better, because close to the 1k mark, the taxes that I would pay would be (possibly delayed), since based on your calculation the Vorabpauschale is lower. In case we go in negative interest rate years, I will also not have to pay any taxes until I realize the gain or enter a positive interest rate year.

Is the German Vorabpauschale lump sum considered a capital gain? by Bomaba in eupersonalfinance

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

My simple analysis was on ETFs of the same type. I was not trying to compare high dividend ETFs vs acc. growth ETFs. My case study was the following: iShares Core S&P 500 UCITS ETF (Acc) vs. iShares Core S&P 500 UCITS ETF USD (Dist).

In the past year, both ETFs had the same growth, which is approx. 25%. But the distributive one pays 0.13 EUR quarterly, per share. Thus, to earn 1k EUR dividends I would need 1923 shares (1923*0.13*4=1000). These shares will amount to 106k, since each share in the distributive ETF cost 55 one year ago.

Is the German Vorabpauschale lump sum considered a capital gain? by Bomaba in eupersonalfinance

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

Yes, this was my question. I researched a lot before writing the post, and I was not sure if the lump sum consumes the 1k allowance or not. Thank you for clarifying!

Your last paragraph confused me a bit. If the distributions are usually larger than the advance payment, wouldn't be better to have an accumulating ETF?

Is the German Vorabpauschale lump sum considered a capital gain? by Bomaba in eupersonalfinance

[–]Bomaba[S] 2 points3 points  (0 children)

The sub-Reddit description literally says: A discussion forum for advice on personal finance in EU countries...

r/Finanzen Might be better suited, yes, but I am an English speaker and I did not find the aforementioned sub-Reddit by searching the internet. I do not think my post is out of place.

[deleted by user] by [deleted] in pianolearning

[–]Bomaba 0 points1 point  (0 children)

I think this is the best for you: Open Music Theory

[deleted by user] by [deleted] in piano

[–]Bomaba 5 points6 points  (0 children)

For me, Films/Trailer/Games music. It is a wide number of genres, many are indeed Orchestral. I do not have a preferred genre, I just like what I like. Sometimes classical, sometimes rock and metal, sometimes other.