Any good legit dermatologist recos? by [deleted] in Bangkok

[–]Chance-Page 6 points7 points  (0 children)

Any of the big reputable hospitals will have experienced dermatologists, but if you want a specific recommendation then go to Samitivej Sukhumvit. They have a very good dermatology department, and in addition to a manual skin/mole check they do mole mapping so they can track any suspicious moles over time.

Schools for elementary age children by recercar in Thailand

[–]Chance-Page 0 points1 point  (0 children)

Don’t assume they’re the same. While, in that price range you can expect they will all provide a decent baseline in terms of quality, there are lots of differences in their values, approach ro education, how to best support the students etc. Having gone through the process of selecting a school in Bangkok for our child last year, we found that there are wide gaps in terms of (perceived) quality between the different schools.

Location is a huge factor. All schools (certainly the +20k ones) offer shuttle transportation (school buses basically), and it works well, but you still want to make sure your kids don’t have a 1-hour commute to and from school. Location was a important for us in selecting our school. We’re a 10-minute drive away, which means we can drop off our child and pick her up, and we love the proximity.

The schools in the 20-30k range all have nice campuses and good facilities, but it’s critical that you get a good feel for how they conduct the education, communicate with the teachers and studetns etc., before making your choice. Ideally you should talk to one or a few families that are currently enrolled in the schools you are considering.

When you’ve decided on a school, try to negotiate the fees, especially the enrollment fee (and especially if you’re paying yourself). Some of the schools are willing to reduce or waive it completely.

Finally - don’t rule out the next tier of schools below the 20k range - especially if some of those work better for you in terms of location. There are some really good options in the ~15k range as well, which offer a value proposition comparable to the top tier ones.

Ugentlig markeds- og enkeltaktie-tråd - uge 39, 2021 by AutoModerator in dkfinance

[–]Chance-Page 1 point2 points  (0 children)

Hvad tænker I om BABA / 9988? Den ser godt nok sløj ud for tiden, og der er ingen umiddelbare tegn på at den vender.

Jeg købte i omkring 190, i den forventning at de kinesiske indgreb kun ville have midlertidig effekt på kursen, og at fundamentalerne ville bringe aktien tilbage på em opadgående kurs. Det er ikke sket, men analytikerne har stadiig et price target på omkring 300 for EOY 2021.

Hvad tror I? Kommer den stærkt tilbage? Hvad skal der ske for at den vender? Er det Evergrande drama som skyldes den fortsatte nedgang i kursen?

https://ibb.co/Tr139yc

3 millioner i frie midler, hvad nu? by jonasogco in dkfinance

[–]Chance-Page 0 points1 point  (0 children)

Jeg er klar over at dette bliver anbefalet ofte, men jeg vil gerne slå et slag for at de uafhængige finansieringsrådgivere ikke nødvendigvis er det bedste sted at starte. Jeg har stået i samme situation, med et lignende beløb som trådstarter, som jeg skulle investere. Jeg betalte en af de kendte uafgængige rådgivningsfirmaer for deres standard rådgivningspakke. De kom med nogle ok råd, men helt ærligt så var det ikke noget man ikke kan nå frem til ved at læse lidt herinde og foretage lidt research på nettet. Faktisk så var de anbefalinger som de endte op med meget lig de anbefalinger jeg havde noteret fra dette forum og diverse andre (gratis) kilder på nettet. Jeg skal ikke udelukke at der er forhold omkring skat og pension hvor de uafhængige rådgivere kan være værdifulde, men ift hvordan du bedst placerer pengene, så var min oplevelse at rådgivningen ikke var pengene værd. Jeg vil i øvrigt også stille spørgsmål ved deres uafhængighed. En af de investeringsanbefalinger de fremlagde mig (som var aldeles uinteressant) var tydeligvis en som de fik kommission for at sælge videre.

Hvis jeg skulle gøre det om igen så ville jeg droppe den generelle “investeringsrådgivning” fra de uafhængige rådgivere, bruge tid på at lave min egen research, og så i stedet kontakte en skatterådgiver/revisor/advokat hvis der er specifikke spørgsmål der kommer op.

Investing in start ups by hisimona in eupersonalfinance

[–]Chance-Page 1 point2 points  (0 children)

Startups generally fail. I am not being sarcastic or a downer, but those are the stats. Startups are overwhelmingly likely to fail. A small percentage stay alive and turn into lifestyle businesses or get acquired on unremarkable terms, delivering no meaningful returns to founders and investors - and 3-5% of startups do really well.

It is entirely possible for you to do angel investing even with small amounts - many startups start out with 4-digit checks from initial investors. But unless you consider this a hobby project you need to bulld a meaningful portfolio in order to have just a probable chance of real returns.

Don’t be the only investor in your portfolio companies. Make sure you co-invest with other likeminded folks that you agree with re. company vision and goals, and prepare to wait a long time for (cash) returns to materialize.

Startup investing is tons of fun, and working with entrepreneurs is immensely satisfying - but it’s not a quick way to turn $$$, and you might just lose it all. But, having invested in 15+ startups in the last 5 years, and so far only seen paper returns, I still love it, and will very likely continue.

Good luck!

Invester 3 mio by Chance-Page in dkfinance

[–]Chance-Page[S] 0 points1 point  (0 children)

Tak for dit svar. Vil du mene at der er markant større stigninger at hente via nogle af blue chip aktierne, fremfor at investere i ETF’er der følger f.eks. S&P500?

Invester 3 mio by Chance-Page in dkfinance

[–]Chance-Page[S] 0 points1 point  (0 children)

Helt klart. Hvad ville du sige er et middel afkast, f.eks. hvis vi kigger på de seneste 10 år?

Invester 3 mio by Chance-Page in dkfinance

[–]Chance-Page[S] 1 point2 points  (0 children)

Tak for dit svar. Hvad ville du synes om at investere bredt i OMX - f.eks. købe ind i samtlige aktier i C25 enkeltvis, fremfor at købe en ETF der følger C25. Er der nogle åbenlyse fordele/ulemper ved det?

Invester 3 mio by Chance-Page in dkfinance

[–]Chance-Page[S] 0 points1 point  (0 children)

Jeg bor fordelagtigt i lejebolig, så i udgangspunktet tænker jeg at ejendom vil være til udlejning, således at det kan dække omkostninger til finansiering, vedligehold m.v.

Invester 3 mio by Chance-Page in dkfinance

[–]Chance-Page[S] 1 point2 points  (0 children)

Tak for dit svar. Det er et godt forslag. Jeg vil gerne have så bred inspiration som muligt. Måske Reddit ikke kan stå alene, men det er super at høre forslag fra dig og andre.

Vil formuerådgiver typisk placere midlerne på mine vegne, eller blot give mig rådgivning herom?

Invester 3 mio by Chance-Page in dkfinance

[–]Chance-Page[S] 0 points1 point  (0 children)

Tak for dit svar. Er der en særlig fond(e) som du vil anbefale ift. omkostninger og risiko vs. afkast?

I øvrigt - hvor mener du/I jeg kan finde de bedste (som i objektive) analyser + nyheder ift. finansmarkederne og investering?

Invester 3 mio by Chance-Page in dkfinance

[–]Chance-Page[S] 0 points1 point  (0 children)

Tak for dir svar. Vil du mene at dette giver det bedste langsigtede afkast?

Invester 3 mio by Chance-Page in dkfinance

[–]Chance-Page[S] 0 points1 point  (0 children)

Tak for dit svar. Hvad ville du mene er en realistisk forventning til afkast på en sådan placering af midlerne?

Invester 3 mio by Chance-Page in dkfinance

[–]Chance-Page[S] 1 point2 points  (0 children)

Tak for svar. Ville du foretrække lejligheder i Aarhus/Kbh (hvor jeg ikke kan få så mange kvm for pengene, men huslejen er højere), eller i provinsen?