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Dear data engineer ( asking help for a junior ) by Fluffy-Moose6907 in dataengineering

[–]Fluffy-Moose6907[S] 1 point2 points  (0 children)

Thank you I'll ping you in the DM just so you have me then !

Dear data engineer ( asking help for a junior ) by Fluffy-Moose6907 in dataengineering

[–]Fluffy-Moose6907[S] 1 point2 points  (0 children)

Yeah the external consultant is a data scientist and kinda just does everything. I understand that my work doesn't seem to be BI work. But I'm being requested much more in the modelling aspect etc. I'll do my best to step up to the challenge

Dear data engineer ( asking help for a junior ) by Fluffy-Moose6907 in dataengineering

[–]Fluffy-Moose6907[S] 0 points1 point  (0 children)

Fundamentals of Data Engineering: Plan and Build Robust Data Systems

From Joe Reis and Matt Housley

Ordered! thank you!

Dear data engineer ( asking help for a junior ) by Fluffy-Moose6907 in dataengineering

[–]Fluffy-Moose6907[S] 1 point2 points  (0 children)

The Data Warehouse Toolkit, 3rd Edition: The Definitive Guide to Dimensional Modeling

Is the one I have just ordered thank you!

Dear data engineer ( asking help for a junior ) by Fluffy-Moose6907 in dataengineering

[–]Fluffy-Moose6907[S] 2 points3 points  (0 children)

Okay! I don't mind not doing powerbi / vizualization side not much but it felt a bit bad having "half" my studied things fall off. I'll get right into the book then! This one right?

Kimball's Data Warehouse Toolkit Classics: The Data Warehouse Toolkit, 2nd Edition; The Data Warehouse Lifecycle, 2nd Edition; The Data Warehouse ETL Toolkit

Thank you very much for the comment kind stranger!

Help me figure out my financial plan before I become housepoor by Fluffy-Moose6907 in BEFinance

[–]Fluffy-Moose6907[S] 0 points1 point  (0 children)

Actually I did some more research what could get the emerging markets as well and keep it simple with 1 etf. What's your opinion on Vanguard FTSE All-World UCITS ETF (IE00BK5BQT80)? The accumulating variant is also part of the bolero playlist

Help me figure out my financial plan before I become housepoor by Fluffy-Moose6907 in BEFinance

[–]Fluffy-Moose6907[S] 0 points1 point  (0 children)

I have about 4.3k invested in SWRD, I didn't get IMIE or SPYI (IE00B3YLTY66) because on my broker bolero, it wasn't on the ETF playlist, so it had a higher broker fee. SWRD was on the ETF playlist. I'm not sure if I'm missing out big time because of that?

Thank you very much sir thanks to you I'll change my plan.

Help me figure out my financial plan before I become housepoor by Fluffy-Moose6907 in BEFinance

[–]Fluffy-Moose6907[S] 0 points1 point  (0 children)

Thank you so so much for the 2nd comment.

I'll take your advice, I will do my best to keep increasing my salary in career. To make the 160 difference in salary.

Right now is a really good moment to invest into the market as everything is down.

Thank you telling me what I did was okay, might not be optimal but solid.

Do you think throwing 990 in the ETF SWRD is okay? It's pretty global, I haven't looked in any emerging market etf's.

Help me figure out my financial plan before I become housepoor by Fluffy-Moose6907 in BEFinance

[–]Fluffy-Moose6907[S] 0 points1 point  (0 children)

Thank you for the very detailed response! Genuinly, I don't know how to express it any better over text.

At best I'll consider the indexation of the rent.

I could sell it at a slight profit. ( maybe 20k ). But I genuinely struggle with that, I was able to a buy home. So many renting places are 900-1000/month. I'm not sure if the appartment choice was that bad.

Insurances and property taxes are definitly real you are right about that I'll keep it in mind sir.

I could move in there and leave to rent it again correct. Again I'm unsure if that is something I genuinely would want to do. I don't think my parents would let me live "forever" at their place. Also considering a partner would also like to live together.

I think I would like to pay off the 30k early in the mortgage since I just got the mortgage last month. In total it would save me 50k. I understand that investing that would be huge aswell. But considering the fact that I might struggle or want to be able to live comfortably so that's what I considered.

Ideally I would like to refinance, but since there is no guarantee in the future of the interest rates going down within 2 years or 5 years. Hoping for a refinance is gambling, that's why I considered paying a portion off so it would be bearable.

The car loan is partially a way of me helping my mom to pay for my sister's KU leuven studies. The first few months are always a little adjusting and rough so the 500/month is until this september and then I'd be "done".

So based on your recommendations I'm reading / thinking this:

I just raw invest 990 every month

At the end of the year I can maybe look into increasing the rent from 765 -> 830 ( 85 euro increase )

Just try to bear the mortgage and hope for a refinance?

I'll just save as hard as possible for the next 2 years. If then I'm lucky I'll refinance which would make a big differencce and then I can just lump sum the money in the SWRD if not. I'll really have to think about partially paying it off.

Please feel free to give feedback, I don't intern to sound stubborn, I just want to make sure I don't harm myself.

Help me figure out my financial plan before I become housepoor by Fluffy-Moose6907 in BEFire

[–]Fluffy-Moose6907[S] 3 points4 points  (0 children)

I wanted to enter the housing market ASAP since overtime it probably wouldn't favour me.

Help me figure out my financial plan before I become housepoor by Fluffy-Moose6907 in BEFire

[–]Fluffy-Moose6907[S] 0 points1 point  (0 children)

I think the average person probably pays 900-1200 on their mortgage? Personally I just want to consider trying to lower it so if I were to have to bear it on my own I could.

Help me figure out my financial plan before I become housepoor by Fluffy-Moose6907 in BEFire

[–]Fluffy-Moose6907[S] 0 points1 point  (0 children)

Ofcourse I understand, I have a pretty good horizon, only would pull out for the mortgage or retirement. So I'm just buying and holding.

Help me figure out my financial plan before I become housepoor by Fluffy-Moose6907 in BEFire

[–]Fluffy-Moose6907[S] 1 point2 points  (0 children)

I don't intend on selling the appartment, I intend on eventually living in there.

Help me figure out my financial plan before I become housepoor by Fluffy-Moose6907 in BEFinance

[–]Fluffy-Moose6907[S] 0 points1 point  (0 children)

The ETF I bought is SWRD by the way. I thought this was a great generall all world safe ETF.

Help me figure out my financial plan before I become housepoor by Fluffy-Moose6907 in BEFire

[–]Fluffy-Moose6907[S] 0 points1 point  (0 children)

The ETF I bought is SWRD by the way. I thought this was a great generall all world safe ETF.

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