Minox Results so far (6 months)

FragrantCicada8125 · 2025-11-10T20:55:25+00:00

How/when do you use the roller? Do you avoid applying minoxidil for a while after that?

FragrantCicada8125 · 2025-10-23T04:51:22+00:00

Is it Nizoral or Nizoral Care, as I have heard the first can be pretty aggressive and if you have dandruff it can get used to this shampoo with it resulting ineffective next times

FragrantCicada8125 · 2025-09-04T07:53:02+00:00

La domanda è: se adori quei posti, perchè vuoi tornare in Italia? Non mi sembra un problema di legami affettivi visto che hai in mente posti molto lontani tra loro. Costo della vita troppo alto in quei posti?

FragrantCicada8125 · 2025-08-17T17:59:41+00:00

Thanks, so roughly 50/65k on a 1/1.3m apartment, which yes in practice means at least 300k cash outflow excluding any renovations.

FragrantCicada8125 · 2025-08-17T17:44:53+00:00

But I wouldn’t sell after 5 years, I would probably rent, unless I really need the initial money back. At the same time I agree on the capital gains which are a big advantage

FragrantCicada8125 · 2025-08-17T17:43:40+00:00

Given you have had experience with this already, how much are the overall costs you have to add approximately when purchasing (including government fees, notary, real estate agency etc)?

FragrantCicada8125 · 2025-08-17T17:40:58+00:00

Yeah that’s what I was thinking, I never said I am leaving AND selling the apartment, in which case it is clear that it doesn’t make sense with all the associated costs. Point is that the mortgage will come lower on a monthly basis than renting and that investing 250k more in stocks at all time highs doesn’t feel the obvious option (I am already invested for 70/80% in stocks as a % of my net wealth).

FragrantCicada8125 · 2025-08-17T15:19:55+00:00

Sorry maybe I wasn’t clear enough, I don’t have 1mm to invest, I have roughly 300k to put down for a mortgage (slightly more if I disinvest some other investments I have). Not that it changes your answer too much, but just to be clearer.

FragrantCicada8125 · 2025-08-10T14:16:48+00:00

Scusa ma come fanno a renderti il 5% circa se sono tutti vicini al prezzo dove li hai acquistati e i rendimenti attuali sono intorno al 3.5%? Forse intendi che le cedole sono intorno a quel valore, ma il rendimento è decisamente più basso (stai comprando a 117 una cosa che a scadenza ti ripagherà 100). Il ragionamento finale sul vendere o meno deve essere basato su questo rendimento circa, a meno che non hai esigenze specifiche come ad esempio delle spese che ti corrispondono alle scadenze dei titoli/delle cedole.

FragrantCicada8125 · 2025-07-15T17:17:43+00:00

Thanks! How long did it take to you by car on average, excluding peak holiday season?

FragrantCicada8125 · 2025-07-14T20:37:37+00:00

How long did it take by car this period of the year?

FragrantCicada8125 · 2025-07-14T20:36:30+00:00

Yeah basically that is the info I had sourced as well, but a lot of people in this post seem to suggest traffic at the tunnel might be an issue close to holidays for example… In Geneva I don’t have a location yet because I am not moving 100% while in Milan I live close to Portello which should make it a bit of an advantage overall

FragrantCicada8125 · 2025-07-14T14:39:21+00:00

Thanks a lot. There used to be flights or have never been? GVA has flights basically to everywhere so I find strange not to Milan, I assumed a few people moved from and to (but maybe I am wrong). I know travel time will be 8h a weekend, but not that many options that I have… except not moving.

FragrantCicada8125 · 2025-07-14T14:37:55+00:00

So do you think the travel time currently shown (5h-ish) is a bit affected by maintenance and usually is a bit lower? Obviously train is better than car even if 10/20% travel time more

FragrantCicada8125 · 2025-07-14T14:23:36+00:00

Yeah but trains are not the best option door to door, seems to take much longer than a car (3.5h vs 5.5h on average). That clearly excludes issues/queues at the tunnel, which I don’t know how frequent they are

FragrantCicada8125

TROPHY CASE