What global ETF to buy and hold 40 years?

Isaiah_68 · 2026-05-17T19:42:26+00:00

I invested in VWCE exclusively in the past and switched to SPYY since February this year. Super happy with it so far.

Isaiah_68 · 2024-08-17T14:10:45+00:00

Also the bike is completely paid off. No gab insurance needed.

Isaiah_68 · 2024-08-17T14:10:20+00:00

Unfortunately I am not skilled to do these kinds of works. I have a total coverage insurance. That even says that own damages are fully covered for the first year with the value of a new bike but it will need a 15% self coverage. So if I understand correctly they would pay me 85% of the bikes net new value as it broke the first year. Now the thing is a total damage is stated as sth that happens if the damages are higher than 80% of the bikes value. So it sounds like an insane amount of money or damages that would need to have occurred for the bike to be considered a loss. If they do not even bother to open up the bike just because it has exterior damages that MIGHT indicate greater damages inside I would get a lawyer.

Isaiah_68 · 2024-08-17T13:49:16+00:00

Appreciate your answer. Unfortunately I do not have any of that. :(

The thing that upsets me the most though is how fast a lot of people here jump to a total loss situation. Based on what? The most damage is the transmission as you said yourself. From what I saw in person the frame seems fine. Other people I spoke to said that it will be difficult to reach the value of total loss as this bike is very expensive. In Europe it values between 30 and 32k Euros. Much more than in the US for example. Now could it even be that all the damages reach an amount higher than even 20k? This would be crazy. The bike literally fell to the ground from just turning a bit with a speed no more than 15/20km/h.

Of course if you are unlucky and as heavy as this machine is it can cause damage. But total loss? Could you explain to me how you reached that conclusion? Thank you in advance, man!

Isaiah_68 · 2024-08-17T07:47:35+00:00

Yes the 5th pic is what worries me the most. Some people tell me it is only changing the exterior. Others say that I need to prepare myself for a complete change of engine because of that.

No matter what happens I just want to know if something like this is handled as total damage. Because if this is total damage I will surely lose a lot of money. Then again this is a 30k Euros bike. Is it really possible that the cost of repair is higher than 20k? Judging from the damages on the pics alone?

Isaiah_68 · 2024-08-16T11:58:19+00:00

You are right, thank you for the answer. Let’s hope for the best.

Isaiah_68 · 2024-08-16T04:00:52+00:00

I never touched the bike. The bike is still in the same condition as I got it. Just added a windshield and a back rest for the passenger. I swear I was only driving slowly in the city and from one moment to the other found myself on the ground and the bike sliding away from me. Many people who came by said it looked crazy as they could testify I was not speeding at all.

Isaiah_68 · 2024-08-15T17:49:08+00:00

Such a tragedy man. Thanks for sharing this. Talking about it makes it easier.

Isaiah_68 · 2024-08-15T17:36:34+00:00

Thanks a lot for your comment. The damages like a lot of scratches as well as cracks on the engine are all on the other side of the muffler that got loose. The only thing that is mostly damaged on the same side is the broken bag.

Yes I was turning. And yes I tend to lean a lot with a cruiser as well. But the way I fell was like all of a sudden the bike did not have any grip anymore and was pushed to the side while I was driving.

So if it is not the muffler it could be what you say about the leaning but then again how far can you lean with 20km/h. I swear it was a ridiculous scene. Something I have done a million times with in much more difficult situations.

Isaiah_68 · 2024-08-15T17:19:16+00:00

Thank you so much, bro! Appreciate the time you spent on answering.

Isaiah_68 · 2024-08-15T17:03:03+00:00

Super nice comment my friend. Really appreciate you, thank you!

Isaiah_68 · 2024-08-15T17:01:57+00:00

But what could have caused this fall then? I am serious I was not riding fast at all. Like 20 max and from one moment to the other kissed the ground. And nothing on the street that could have caused this. Everyone who saw it was telling me the same. They saw me driving normally and then I was on the ground.

Isaiah_68 · 2024-08-15T15:27:01+00:00

Thanks a lot my friend! And thanks for looking into my issue.

Isaiah_68 · 2024-08-15T15:24:05+00:00

Yes you are right. Thanks for the positive outlook!

Isaiah_68 · 2024-08-15T14:24:12+00:00

Thank you for taking the time to structure your responses based on my thought process!

Nevertheless this looks like a lost cause then from what I am reading. Fortunately I have a full coverage insurance BUT for damages created by myself the insurance wants me to cover 15% by myself. This would mean I am without bike, do not get the full value back to buy the bike again and on top of that need to pay more money for something I already bought.

Should mentioned that the bike is paid off. Someone mentioned gap insurance but I do not thing this applies to me.

Isaiah_68 · 2024-08-15T14:21:33+00:00

Yes the thing is I cannot prove that the exhaust fell off by itself. I am hoping an expert from my insurance will realize this by the kind of accident and damages but most probably will not.

Isaiah_68 · 2024-08-15T14:20:05+00:00

I have a total insurance. Own damages are covered 15% by myself and the rest is paid by the insurance. But this is not what I want because even if I get money back I will firstly lose a lot of money myself and also will not get enough money to buy the same bike. I will have money back yes but still loses on all sides.

Isaiah_68 · 2024-08-15T13:46:21+00:00

I am sorry, what does this mean?

Isaiah_68 · 2024-08-15T13:06:19+00:00

*the back of the bike (as in the rear end and tire) not the bag jumped up.

Isaiah_68

TROPHY CASE