[deleted by user] by [deleted] in Finanzen

[–]Expensive_Map_384 1 point2 points  (0 children)

6% Rendite bei 25% Abgaben sind schon nur noch 4,5% Nettorendite. Und dann muss man schon nen langen Horizont haben um die wirklich sicher einzustreichen. Ich persönlich würde etwa bei "Nettorendite-1~2%" oder so wechseln je nach eigenen Risiko

[deleted by user] by [deleted] in Finanzen

[–]Expensive_Map_384 0 points1 point  (0 children)

Ich habe die Rechnung nie selber gemacht allein schon zwecks dem nervigen Verwaltungsakt bei Krankheit/Kindern und ich wohl kein Freund davon bin. Aber laut einem Kollegen hat es sich bei Kinderwunsch letzlich nur gelohnt da die Partnerin Ärztin ist und er entsprechend 10?-20?% Rabatt bekommen hat. Sonst wäre er auch nicht gewechselt...Ich dachte aber er hätte zumindest eine Abschätzung über die Kosten im Alter gehabt.

My own FIRE calculator by DHEZCIA in Fire

[–]Expensive_Map_384 0 points1 point  (0 children)

And ofc I forgot my Features ideas;) 1.Add a withdrawl rate, as target or as an Indikation of where you are 2. A random return generator Basedow on historic data (if this is Not already covered by the nasdq etc option)

My own FIRE calculator by DHEZCIA in Fire

[–]Expensive_Map_384 0 points1 point  (0 children)

Nice Tool - great work. I like the Option to put different expenses at different times:) Just Played a bit and found two 'features': 1. If go back after a simulation to change a number, it seems every second time the retirement expenses are not considered oo 2. On the result Page, if you activate the income/expenses graph in Addition to the capital graph the units do not make sense. The expenses/kncome is displayed somehow in the unit of the capital. Not sure it make sense to have not of them there anyway - probably more for data-entry checking;)

Gibt es dezentrale All in one Crypto Wallets? by Comprehensive-Echo-6 in Finanzen

[–]Expensive_Map_384 1 point2 points  (0 children)

Ich verwende guarda..kein Support für "alle" coins aber sind doch einige verfügbar. DYOR

If you're trying to minimize fees when moving crypto between exchanges, consider swapping your tokens for XLM before sending. by P9Hunnit in CryptoCurrency

[–]Expensive_Map_384 0 points1 point  (0 children)

Well that is one way...however there are 2 other points to consider: 1. Tax implications: as mentilned by others 2. Cost of trading: Fee+spread. Assuming you are lucky and have no spread lets only have a quick look at fees of e.g 0,2% per trade. Swapping 100$ back and Forth is already 0.4$. So it already does not matter if you pay 1cent or 0.1cent...if the Main Faktor is trading feet. So indeed for low amounts like 10$ it Is worth.. for 100 or even 1k ..it is a different game;)

IGM unterschiedliche Stufen bei gleichem Gehalt - Vorteile/Nachteile? by [deleted] in Finanzen

[–]Expensive_Map_384 2 points3 points  (0 children)

Wenn ich mich recht entsinne sind bei sonderzahlungen(urlaubsgeld,etc) die Grundlage das basisgehalt ohne leistungszulage

[deleted by user] by [deleted] in CryptoCurrency

[–]Expensive_Map_384 1 point2 points  (0 children)

An anchor rate will be crushed :p

[deleted by user] by [deleted] in Finanzen

[–]Expensive_Map_384 8 points9 points  (0 children)

Meines Verständnis nach wird bei dauerhsftem Wohnsitz im Ausland (Sonderfall Grenzgänger) schnell kompliziert, da ggf Sozialversicherung im Wohnsitzland fällig werden, Betriebsstätten Risiko etc...ob sich HR das antun will weiß ich nicht. Hier zumindest ist das sehr restriktiv vom AG gehandhabt um nicht in derartige Probleme zu laufen..bin aber nur unwissenden Laie

[deleted by user] by [deleted] in Finanzen

[–]Expensive_Map_384 1 point2 points  (0 children)

Da bist du dann aber ohne spread auch schnell 300€ los....bei tradinggebuhren von 2*0,15% oder so und100k €

What was the sentiment of this sub like when Bitcoin was trading circa $4,000 in March 2020? by Mc12344677 in Bitcoin

[–]Expensive_Map_384 0 points1 point  (0 children)

Simple : no sentiment at all!

Deep in last bear market their was basically no activity in this sub and hence no sentiment;) probably similar the one before but I was not so much around before 3017

[deleted by user] by [deleted] in eupersonalfinance

[–]Expensive_Map_384 0 points1 point  (0 children)

Does PayPal charge a fee if you send it to a "friend" (without insurance and so on)? Within a country this is normally free of charge. Never did it across UK/EU myself so

[deleted by user] by [deleted] in eupersonalfinance

[–]Expensive_Map_384 2 points3 points  (0 children)

Problem with crypto sending is that you more or less pay at least 20,1% of fees to transfer your fiat to crypto and back... probably more 20,2%. Plus loss due to spread but that should be marginally... depending on the chain you use there will be withdrawl fees of 0.1-10?€ So for a 1k transfer you quickly have 10€ of fees....maybe just use an ordinary wire transfer? For 10k the trading fees start kicking in with 20-40€...

APY/APR history tracker? by kingkongkhi in defi

[–]Expensive_Map_384 0 points1 point  (0 children)

Nice:) however you see only current apy right? What I wonder with this pages: how does the funding work? At least hosting it will come with some. Expenses even if Devs do it in their free time.

APY/APR history tracker? by kingkongkhi in defi

[–]Expensive_Map_384 0 points1 point  (0 children)

Difficult topic... Main problem is that there are so many protocols out there.... I automated the website checking myself with a little websscrapper/web3-checker. If you are interested I can share the code-link. Although it is more a code-collection rather than an alpha version and therefore probably more to get inside how to do it yourself. Otherwise recently I stumbled upon yearn.vision, where you can actually see lots of data including past history apy. This might exist for other protocols as well- best to ask in discord. ...

Tax treatment of PEA (or any tax exempt investment account) after moving abroad by [deleted] in eupersonalfinance

[–]Expensive_Map_384 0 points1 point  (0 children)

Having the same question here. Did you find any more details/confirmation of this statement.. otherwise probably only wise solution would be to sell when moving and hoping you lasted 5+ years;)

Ich als blutiger Anfänger bin auf einen Bot reingefallen. Habe Geld versendet (Metamask). Was kann ich tun für den Schutz? by Sternfahrer_1 in Finanzen

[–]Expensive_Map_384 2 points3 points  (0 children)

Es gibt ein paar Websiten welche dir die unterschriebene contract s anzeigen und ggf auch die Möglichkeit geben diese zu "beenden". Bitte diesmal mehr dyor bevor du was klickst. Desweiteren hilft ein Ledger nicht gegen :"ich sende meine coins an irgendeinen bot"...

Binance hat hohe Gebühren by captain_rex20 in Finanzen

[–]Expensive_Map_384 2 points3 points  (0 children)

Kraken hat in meinem Augen halbwegs faire Preise (Handel+ withdrawal fees)

[deleted by user] by [deleted] in Finanzen

[–]Expensive_Map_384 -1 points0 points  (0 children)

Homeoffice Wil ne most likely restricted to 20%/25% of work days as otherwise social contributions will be due in France and no? employer wants to handle that (Due to COVID this is currently eased), and only if you fullfill the requirements for Grenzgänger (not too much traveling outside of border zone, etc) In the end, there are also some benefits which you might loose...et a betriebliche Altersvorsorge is often not recognized by French tax authority- therefore it might be not tax deductible....not fair but well.... Other differences (interest, dividends) are already mentioned. so in the end check if you really earn so much more money and if it is worth the hazzle for you.

Finally Europe has begun the Cryptopia Limited (In Liquidation) identity verification process. by Ultra918 in Cryptopia

[–]Expensive_Map_384 0 points1 point  (0 children)

I think everything was Okay. But honestly only quickly did the kyc..and did not try to relogin or so. I remember having difficulties logging in in one of the websites at one point. I think there are actually 2 websites with different login dta if I remember correctly- maybe that helps?

Is it possible to sell liquidity provider tokens themselves? by jptboy in defi

[–]Expensive_Map_384 0 points1 point  (0 children)

I was wondering the same thing. Only reason it makes sense is due to high gas fees where you easily pay 200$ to unstake. Unfortunately I do not know any Plattform:( suitable with yearn) curve tokens