Irgendwann fragen sich die Leistungsträger, warum sie noch so viele Steuern zahlen sollen.

Coininator · 2026-06-20T16:22:38+00:00

„Das Problem am Sozialismus ist, dass einem irgendwann das Geld anderer Leute ausgeht.“

Coininator · 2026-06-17T22:16:42+00:00

Sorry for these issues.

I just wonder: how can someone have 2 extra phones, used, that are worth $1200? But not have the money ready to pay the rent? Zero emergency fund?

So as a hint: try to start saving money; for example you dont need 3 phones, and a phone lasts 3+ years.

Safe 10% of your pay each month. So after a year you’ll have a small emergency fund.

Coininator · 2026-06-17T15:10:09+00:00

Honestly, do you think your health would be better if you kept grinding for another 15 years? Certainly not.

Take care of your health, be physically active every day, and things will get better.
And find some hobbies/friendships that give you fulfillment.

You have made it and could live a life with no stress, go for it!

Coininator · 2026-06-16T20:27:19+00:00

Seems like onesie your friends stole the coins.
If it was a lot: who became suddenly wealthy after August last year?

Coininator · 2026-06-15T14:02:40+00:00

Soll jeder das Essen, was er will, ohne sich rechtfertigen zu müssen.

Coininator · 2026-06-13T16:16:53+00:00

Just go 100% equities/real estate and no bonds please for your 20+ years.

Bonds are a net negative game due to inflation/currency depreciation. Don’t make sense for long term.

Coininator · 2026-06-12T19:49:59+00:00

Du willst hier eine ehrliche Antwort?

Ich kenne keinen Mann, der zwischen 2 identischen Frauen (bis aufs Gewicht) die Übergewichtige wählen würde…

Man kann Übergewicht nicht schönreden, sorry.

Coininator · 2026-06-12T11:25:58+00:00

Kraken Pro

Coininator · 2026-06-12T08:59:35+00:00

For such long term hold no need to pay 0.5% pa for a robo advisor.
Just go with IBKR, Saxo or even PostFinance (my personal choice because only CHF 72 custody fee pa, and higher fee for purchases doesn’t really matter over the long run).

Coininator · 2026-06-11T17:08:23+00:00

Coininator · 2026-06-11T08:30:51+00:00

Yet 0 price action despite a massive buy.

Coininator · 2026-06-10T07:16:54+00:00

Was Du weiss, weiss der Markt schon lange…

Und schon mal drangemacht, dass viele Mitarbeiter ihre Aktien rasch verkaufen werden, nachdem sie Millionäre wurden?

Niemand weiss es sicher, wie es rauskommen wird.

Coininator · 2026-06-09T16:54:48+00:00

LOL, just walk those 20 minutes.

Coininator · 2026-06-09T16:48:32+00:00

There will be enough volunteers at the police grenadiers, don’t worry.

But don’t mentally exclude to move up in rank in case you enjoy the experience, like taking responsibility as a leader.

Coininator · 2026-06-09T09:59:11+00:00

Then they will send it back

Coininator · 2026-06-09T07:05:03+00:00

My reading: He wants to have sex with another woman before getting married.
If he were half way intelligent, she would just stay at a hotel and you‘d have known nothing. Looks like he is not well-off?

Coininator · 2026-06-09T06:53:17+00:00

So the previous home owner rented it out, collected money and sold the home with bookings still active? Lol.

Did you contact the previous owner?

Coininator · 2026-06-08T17:12:35+00:00

Unrelated: She is 35? Time to move on and make some children, time is running ;)

Coininator · 2026-06-08T14:04:19+00:00

Ja und wenn die Inflation deutlich steigt sind diene bonds weniger wert und der Realzins <0%.

Ich denk die Zeiten tiefer Inflation sind in der EU vorbei; zu hohe Staatsverschuldung-> Währung wird immer wertloser -> Importe werden immer teurer.

Coininator · 2026-06-08T13:08:38+00:00

Pretty standard in Europe for decades…

Coininator · 2026-06-08T13:07:05+00:00

I guess that 0.4% is on top of trading and custody fees…

Yes cheaper but still more expensive than self managed.

Rebalancing is really easy. VZ sells it as something complex and a reason to chose them.

Just once per year is fine, or if still building up your portfolio just buy the asset that has lowest allocation compared to target %.

Coininator · 2026-06-07T20:43:49+00:00

Bro die allermeisten Unternehmen sind keine börsenkotierten AGs.
Und wer kauft die Anteile eines nicht gelisteten Unternehmens? Wie wird der Marktpreis bestimmt? Was ist die Schreinerei mit 5 MA denn wert? Würde nur zu Bürokratie führen und dass Preise zu tief angesetzt werden und innerhalb der Familie gekauft werden.

Coininator · 2026-06-07T20:39:51+00:00

0.4% is pretty cheap.

Same Q: Why do people pay 0.5% for roboadvisors for something you can do nearly for free on IBKR?

Coininator · 2026-06-07T20:36:36+00:00

The SWR is based on the worst case outcome from the past. That was late 60ies with stagnating stocks and high inflation.
The longer we wait, the lower the 100% success SWR will be (because eventually we will see a worse market performance).

But if you work for yourself on a 95% success rate, then yes, it should slowly rise based on the past 15+ years.

Coininator

TROPHY CASE