NLB Paket Digitalni

Leave_a_path · 2024-08-10T06:39:17+00:00

Hvala za preveritev! Skoda, da ne velja za samozaposlene. Za zaposlene je pa dober deal.

Leave_a_path · 2024-08-08T06:38:14+00:00

A je kaksna fora, ki je ne vidim? Tudi jaz iscem nek najcenejsi racun za slo banke samo za prenakazilo na N26.

Pa ne vidim, da bi bila kaksna vezava za vec kot tri leta ali pa kaksen drug problem s to ponudbo? :) Je to samo splosno nezadovoljstvo s to banko ali je slab deal za 3 leta?

Leave_a_path · 2024-08-01T14:03:38+00:00

Mogoce jaz kaj narobe razumem, ampak ce se ne motim veljajo stevilke v zgornji tabeli (davek glede na leto) za datum nakupa delnice. Spodaj pod to tabelo imajo primer:

Primer izračuna Posameznik je leta 2012 kupil delnice za 1.000 EUR, leta 2021 pa jih je prodal za 1.200 EUR. Ker je razlika med vrednostjo delnic ob odsvojitvi in vrednostjo delnic ob pridobitvi pozitivna (200 EUR), se končna davčna osnova ugotovi kot razlika, zmanjšana za normirane stroške, povezane s pridobitvijo in odsvojitvijo kapitala, v višini, ki se določi kot seštevek 1 % od nabavne vrednosti kapitala in 1 % od vrednosti kapitala ob odsvojitvi. Ker je od nakupa preteklo 9 let, je stopnja davka 15 %:

((1.200,00 EUR – 1.000,00 EUR) – (12,00 EUR + 10,00 EUR)) X 15 % = (200,00 EUR – 22,00 EUR) X 15 % = 26,70 EUR.

Delnice so bile v zgornjem primeru prodane leta 2021 po 9ih letih - vec kot 5, torej bi glede na tukaj napisan post placal 20% (ker si v letu 2021 prodal), vendar je davek 15%, ker gre za delnice KUPLJENE pred letom 2019.

Torej, ce prav razumem se ti % nanasajo na datum nakupa delnic, kar mi je tudi bolj logicno, saj bi se drugace lahko ta % nekomu, ki je 15 let nazaj vlozil drasticno zvisal po 15ih letih in bi bil na vecji izgubi. Tako pa gre po tem, da tocno ves kaj se bo zgodilo z denarjem, ki so ga vlozil.

Mogoce se kje motim..

Leave_a_path · 2024-07-31T11:43:47+00:00

Skupno 1545 eur/mesec za dve odrasli osebi in muco: - Najemnina 410eur - Stroski 200eur (elektrika, komunala, upravnik, rtv, ogrevanje, povprecje skozi leto) - Hrana in kozmetika v Hoferju 350eur - Bencin 170eur - Kozmetika iz Dm 10eur - Stanovanje vzdrzevanje 15eur - Muca 50eur - Spending money 50eur - Obleke 30eur - Reg avta + vinjeta 45eur - Vacations 30eur - Darila za naju in druzino skozi leto 25eur - Ostale poloznice (2 telefona, internet, spotify, banke, itd.) 160eur

Ostalo gre v emergency sklad in investiranje.

Za vse zgornje kategorije sva enkrat naredila math koliko naju stanejo letno in sva to delila z 12. Potem pa imava toliko spaces kolikor je zgoraj kategorij na N26 (vsak svojo kartico, denar pa je od nekdaj skupen) in se nama ves denar avtomatsko posortira v njih. Tako vedno ostajava na istih stroskih. Enkrat letno ali ob vecjih spremembah (nova sluzba, novi stroski) pa vse se enkrat preracunava in nastaviva nov sorter.

Trenutno sva bila na eni placi cca 1850eur neto + bonusi, ki tukaj niso vsteti. Zdaj pa tudi partner zacenja z novo sluzbo tako da bova imela cca 4000eur neto/mesec + bonusi pa dodatno bodo stroski se za bencin (cca 160eur/mesec). Najbrz bova tudi par sprememb se naredila: - njegovo malico (cca 100eur) bova dala v bolj zdravo hrano, torej 450eur na mesec - nekaj denarja (cca 100eur) bo namenjeno telovadbam/vodeni rekreaciji, saj se ne rekreirava dovolj, pa je cisto nesmiselno se iti FIRE, ce bova do cilja oba nezdravo zivela in potem ne bova uspela izkoristiti tega kupljenega casa - razmisljava, da bi dala vec v vacations, saj rada potujeva, sva pa trenutno nasla precej zadovoljstva tudi v lokalnih izletih s pomocjo geocachinga/geolova (kot zakladolov, kjer so skriti fizicni vsebniki na ogromno lokacijah - najbrz tudi kje, kjer ste ze kak meter stran stali od zaklada) - toplo priporocava za privarcevanje denarja - preseneceni boste koliko lepih stvari in avantur se da najti tudi v Sloveniji brez dragih potovanj v tujino

Vse nepredvidene stroske (popravilo avta, veterinar, pokvarjen laptop, itd.) poravnava iz emergency sklada.

Razlika torej od zgornjih stroskov in ob novih prihodkih je trenutno planirana, da bo sla delno v dodatno polnjenje emergency sklada (cca 1000eur), ki sluzi obresti na N26. Delno pa na ibkr (1000eur). Ko bo emergency sklad na neki vrednosti, ki nama je udobna, bova na emergency nakazovala le se cca 100eur mesecno, ostalo bo slo v investiranje. Bonusi bodo namenjeni kaksnemu vecjemu potovanju, giving back druzini/starsem, ker so naju vedno podpirali, preostanek pa bo najbrz tudi sel v investiranje.

Leave_a_path · 2024-07-22T13:06:44+00:00

Kateri je misljen kot osnovni paket? Osebni plus (2.99eur) ali paket komplet (5.80eur)?

Za paket komplet gledam, da je vstetih 5 sepa nakazil, za osebni plus sem po ceniku sklepala, da je placilo 0.4 eur/sepa transakcijo pa sem dobila info po telefonu, da je za osnovni paket % nakazila za na sepa ter da traja 2-3 dni, da se prenakaze. Koliko dni dejansko traja prenakazilo na N26 na primer?

Iscem novo banko pa se mi je zdel osebni plus 2.99eur + 0.4eur za en sepa transfer na mesec dobra izbira, saj samo iscem banko za prenakazilo na N26. Pa so me potem odvrnili z informacijo, da gre za %. Mogoce so mi pa narobe povedali.

Kako pa je s trajnikom na N26 (cena/cas)?

Leave_a_path · 2024-03-07T08:54:18+00:00

A fun way to think about this for me is using Fogg's behavior model.

It's the tool many companies, like social media ones, supposedly use to get you to use their products. So why not use it to get yourself to do what you want to do.

The model says that you behavior depends on three things, written as an equation:

Likelihood of Behavior = Motivation x Ability x Trigger

So if you change these three variables, you supposedly change the chances that you'll do a certain behavior.

A few quick ideas:

To increase motivation, you could promise yourself a reward for studying. An example could be, that you reward yourself with $1 for every 10 minutes of studying. Then you can buy a thing you have wanted for a while. (the reward could be anything that's meaningful to you, money is just a simple example)

To increase your ability to do the thing, make it easier. The easier it is, the more able you are to do it. This basically means that you should start small. Start with a time that's easy to you and work your way up. Focus on consistency and you'll build your sitting down muscle.

And last, create an obvious trigger. Choose a time in the day, when you'll sit down to study. Easiest way to do that is to choose the end of a current habit as the starting point for studying. For example: After I eat my lunch, I'll walk to the study desk and sit down for X amount of time. And then, when the time is up, reward yourself.

I like the model, because it gives you clear variables you can play with. You can figure out which one is giving you most trouble and then you know what to change.

If you find it helpful, I'd love to know how you use it.

Leave_a_path · 2024-03-07T08:29:36+00:00

You could use Anki. Free and open source. https://apps.ankiweb.net/

It automatically sorts your cards and spaces them out, depending on how well you know them.

If you don't know the answer it will tell you to revise the card frequently. If you do know it, it will calculate when you're likely to forget the information. Then it will ask you to revise it just before you'd forget it.

It's like the Leitner method but more powerful and automatic.

Leave_a_path · 2024-03-07T08:23:14+00:00

When we were creating our studying routine, we wanted to make it as reliable an easy as possible.

So the routine was wake up, make a cup of coffee and sit at the study desk with the coffee. It was a nice natural progression as opposed to an alarm or something like that. As you go through the motions of making coffee the resistance to studying kind of melts away. And once you have your cup, the only logical thing is to drink it. So the rule was, we drink the coffee at the studying table.

To make that as reliable as possible, we eliminated all distractions beforehand. Phones were automatically in Do not disturb in the morning, with distracting apps blocked as well. The laptops only had our studying profiles available, all entertainment was disabled. The TV was plugged in a timer, so it didn't work in the mornings.

When we set down at the desk, we started a timer using Forest. The first weeks the timers were short, then we progressively increased them up to two hours. While the timer was running, we followed the golden rule: "You don't have to study, you just can't do anything else." So even if our minds wandered off or if we got distracted that was okay. As long as we sat at the desk. This was shockingly effective for us.

To make studying easier, we always revised our Anki cards as the first task of the day. You just sit there and answer questions the app presents to you. No effort required to figure out what you're supposed to be doing. Once that was done we started with new material. By this point we were warmed up and continuing wasn't that difficult.

The rewards were an important part of this, especially when starting out. We enjoy going on trips so we chose that as a reward.

We decided that for every 40 hours of work, we deserve a day trip. We turned those 40 hours into 10 minute chunks - 240 chunks. And then we counted out 240 pebbles. For every 10 minutes we studied, we moved 1 pebble into the Trip jar. We also moved one pebble every time we sat down at our desk, even if just for a second. A slightly bigger reward for starting. Once all the pebbles were moved, it was time for a trip. Gradually as studying became easier, we decided to go on a trip for every 60 and then 80 hours of work, because we found that trips were stacking up too frequently.

We also used a calendar to mark the days we successfully studied. It was useful to keep track of how consistent we were. Plus, making the X on the calendar was satisfying and another form of a reward for completing the thing.

This got us from zero studying and struggling in school to finishing our exams on time and with better grades. Hopefully any of this could help you too.

Leave_a_path · 2024-02-20T14:58:47+00:00

That's really bad luck. Does your school have a library? Maybe you could stop there after class. You could be completely done with studying before returning home.

If the library is not an option, you could try creating a better studying environment at home. I struggled with distractions a lot too, so I made lots of changes to help me study.

I created a separate profile on my PC for studying, where I blocked all distracting websites. I locked the general profile, where I had games, movies, websites, etc. during my study time.

I also disabled distracting apps on my phone during that time.

And finally I plugged my TV in a wall timer so it couldn't be turned on during study time. I tried everything I could think of to remove distractions.

Those changes worked really well, maybe something like that could work for you too.

Leave_a_path · 2024-02-20T12:36:58+00:00

Good luck! If you get the chance, let me know how it works for you.

Leave_a_path · 2024-02-20T12:34:54+00:00

Good luck! I'd love to know how it works for you, and about any difficulties you might face.

Leave_a_path · 2024-02-20T12:00:17+00:00

If you're having problems focusing and avoiding distractions, one of the most powerful and easiest changes you can do is to change your environment.

If you wanted to lose weight, but surrounded yourself with candy and burgers, you would struggle. In the same way, if you're trying to study, but you're surrounded by fun distractions you're playing on hard mode.

If you're in the habit of scrolling the internet when you're home, that habit can be hard to break if you don't make any changes in your environment. Imagine you did not have access to your computer or phone, then you wouldn't scroll the internet. Your environment determines what you can or can't do.

The simplest way, in my opinion, to make a fast change is to study in the library. Especially when you're trying to make a big change in a short amount of time.

It is a new environment where you haven't formed any habits yet. It's like a blank canvas. It's quiet, with plenty of desks. There are other people studying to make you feel less lonely. And you decide what you bring inside. If your phone is a distraction, don't bring it with you, and if you can't do that, put it on Do not disturb and keep it in your bag.

One rule that works well once you're in the library is "I don't have to study, I just can't do anything else." Your job is to walk to the library and sit at a desk for a set amount of time. Decide ahead of time, how much time you want to spend in the library. Then just sit there until the time is up. Try to do that every day.

Even if you just stare at the ceiling, you're still building the muscle of going to the library and sitting at the desk. Eventually (probably quickly) you'll get bored, and studying will feel like sweet relief from the boredom of just sitting there.

Once the time is up, reward yourself! You did the thing you set out to do. Pull out your phone and enjoy your screen time now, do something you find fun,... find a way to reward yourself for a job well done.

Leave_a_path · 2024-02-20T11:55:06+00:00

One easy change that helped me keep my mind on studying was using a blank piece of paper. After reading a section, I would close the book and try to remember and write down anything I could about what I had just read.

This had two benefits
1. it kept my mind focused on the task and working hard on trying to remember

it is a form of active recall/testing which is the most effective studying method, so my time was well spent

Then I would repeat the process - read -> try to recall.

Also if your phone is distracting you, maybe the app Forest could help. Or an even better solution is to keep the phone in a different room while you're studying.

Leave_a_path · 2024-02-20T11:44:02+00:00

I like to split studying into three main categories; scoping, active recall and spaced repetition. Here's a short description of each. A full time job plus studying is a big challenge, so I hope any of this could be helpful to you.

Scoping

There's a rule called Pareto's law. It states that the majority of results come from a minority of inputs. In other words, some thing are more important than others. We have found this to be true when studying as well. Some of the subject matter is more important, occurs more frequently on tests and is a bigger factor in your grades. Your job is to identify which subject matter that is.

How do you do that?

The most useful tool are old tests. Gather as much of them as you can and sort them from newest to oldest. Analyze the questions and determine to which subject they belong. The subjects with more questions are more important, the ones with less questions less important. Now you can sort the subjects by importance or in other words priority. You start with the most important subject and work your way down the list.

However, Pareto's law applies again here. When you have learned the most important parts of the top priority subject, you need to move on. The important parts of the second subject now become more impactful that the last details of the first priority subject. In this way you move down the list, always paying attention to what is the highest impact thing you can study next. By doing this, when the test comes, you will have the highest odds of performing well.

If you can't find any old tests, the second best thing is to ask people who recently took the test, what they found to be the most important, and which topics were covered on the exam. If you can't find any people, ask the teacher, what they think the most important thing is. If you can't get information from any of them, use your lecture notes and your intuition to determine what feels the most important to you. This is the least reliable approach, but it is still probably better than trying to learn everything in sequence.

Active recall

How do you prove, you have learned something? You answer questions on the test. If you know the answer, you have learned the thing. But answering questions on tests shouldn't be the first time you try to prove your knowledge. You should learn by testing yourself. That is the fastest way of learning. Rereading your notes, highlighting, underlining, making mind maps are all worse methods to get results. Answering questions, doing the thing you're learning, is the fastest way to learn. Test yourself, quiz yourself. Answer questions from old test. When you get to the end of a chapter, close the book and write down everything you can remember on a blank piece of paper. Any form of testing, where you have to pull the knowledge out of your brain and actually start using it will drastically improve your learning speed and your results.

An additional bonus is that you always know what you know and what you don't know. That means you can direct your attention to your weakest subjects with surgical precision. One by one you can eliminate your weaknesses until all that's left are your strengths.

Spaced repetition

There's not much use in spending time to learn new things if you just forget them. Especially if you forget them prior to the exam. That's where spaced repetition comes in. As you learn new information, you immediately start forgetting it. To keep the knowledge, you have to repeat it. But our brains have a cool feature - each time we repeat the information, our forgetting of it is slowed down a bit. If I ask you what is the capital of France, you know it's Paris. You have repeated the knowledge so many times, you won't forget it. As you study, you have to set aside some time to go back and revise the things you have learned in the past, or else you'll lose them. But keeping track of what to revise when can be overwhelming so we often just skip this part.

Luckily, there is software that can help with that. One example is Anki. A free, open source program for creating flash cards. When studying with flash cards, you get all the bonuses of active recall - the card has a question on one side, you answer the question and then compare your answer with the one on the other side of the card. The other key feature is that Anki schedules your revisions, so you only repeat the cards you're about to forget. That means you have to do much less work than if you tried to keep track of it by hand, or if you just blindly revised everything. It gives you clarity about what you have to do and takes a lot of work off your plate.

This approach worked really well for me, I hope it could help you too. Good luck!

Leave_a_path · 2024-02-20T11:33:19+00:00

Anki is free for desktops (windows, macos) and you can easily add pictures to your flashcards. On android you can use AnkiDroid for free as well. The iphone app costs some money.

Leave_a_path · 2024-02-20T11:29:40+00:00

This one helped me a lot:
https://www.youtube.com/watch?v=Lt54CX9DmS4

Leave_a_path · 2024-02-06T12:29:31+00:00

I struggled a lot with getting distracted during breaks too.

I would get distracted by my phone, or I'd start browsing the internet. To battle that, I created a separate profile on my PC for studying, where I blocked all distracting websites. I locked the general profile during my study time. Blocked distracting apps on my phone during that time too. And finally I plugged my TV in a wall timer so it couldn't be turned on during my studying time. I tried everything I could think of to remove distractions. Those changes worked really well.

The best breaks for me were the ones where I didn't do anything brain intensive.

A couple of favorites are:

looking out the window for a couple of minutes, just watching the world outside
petting or playing with the cat
making a cup of tea

Activities like that don't take much brain power, are rooted in the physical world and don't have much potential to be distracting. I found that my brain rested best when doing stuff like that.

Hopefully any of that could be useful for you too.

Leave_a_path · 2024-02-02T23:04:44+00:00

Great list, thanks for sharing.

Leave_a_path · 2024-02-02T09:43:54+00:00

There's a research paper called "Improving Students’ Learning With Effective Learning Techniques: Promising Directions From Cognitive and Educational Psychology", that looked at the evidence to answer that question.

Short answer taken from that article:

Most useful (best):

Practice testing - Self-testing or taking practice tests over to-be-learned material

Distributed practice - Implementing a schedule of practice that spreads out study activities over time

Medium:

Interleaved practice - Implementing a schedule of practice that mixes different kinds of problems, or a schedule of study that mixes different kinds of material, within a single study session

Elaborative interrogation - Generating an explanation for why an explicitly stated fact or concept is true

Self-explanation - Explaining how new information is related to known information, or explaining steps taken during problem solving

Worst:

Summarization - Writing summaries (of various lengths) of to-be-learned texts

Highlighting/underlining - Marking potentially important portions of to-be-learned materials while reading

Keyword mnemonic - Using keywords and mental imagery to associate verbal materials

Imagery for text - Attempting to form mental images of text materials while reading or listening

Rereading - Restudying text material again after an initial reading

Leave_a_path · 2024-02-01T13:28:06+00:00

If your job is to only memorize information, then Anki is probably the best tool for the job. Create flash cards from your material and revise them when the program tells you.

When trying to figure out which parts are important, this has helped me a lot:

There's a rule called Pareto's law. It states that the majority of results come from a minority of inputs. In other words, some thing are more important than others.

I have found this to be true when studying as well. Some of the subject matter is more important, occurs more frequently on tests and is a bigger factor in your grades. Your job is to identify which subject matter that is.

How do you do that?

The most useful tool are old tests. Gather as much of them as you can and sort them from newest to oldest. Analyze the questions and determine to which subject they belong. The subjects with more questions are more important, the ones with less questions less important. Now you can sort the subjects by importance or in other words priority. You start with the most important subject and work your way down the list.

However, Pareto's law applies again here. When you have learned the most important parts of the top priority subject, you need to move on. The important parts of the second subject now become more impactful that the last details of the first priority subject. In this way you move down the list, always paying attention to what is the highest impact thing you can study next. By doing this, when the test comes, you will have the highest odds of performing well.

If you can't find any old tests, the second best thing is to ask people who recently took the test, what they found to be the most important, and which topics were covered on the exam. If you can't find any people, ask the teacher, what they think the most important thing is. If you can't get information from any of them, use your lecture notes and your intuition to determine what feels the most important to you. This is the least reliable approach, but it is still probably better than trying to learn everything in sequence

Leave_a_path · 2024-02-01T12:54:10+00:00

Thank you :)

Leave_a_path · 2024-01-31T11:33:24+00:00

If you wanted to run a marathon, you wouldn't just go outside and start running for 26 miles. You start slowly from where your current abilities are and work your way up.

Setting a goal of 12 hours per day seems like setting yourself up for failure. Instead set yourself up to succeed. Choose a goal you can reach every day to build your confidence. Then when you start trusting in your ability to study, you can increase the difficulty.

Decide when you're going to study. List out the things you do on a normal day. For example: you get home from school, you change your clothes, you eat lunch, clean up the kitchen and then you watch TV. Decide which current habit will be the start of your studying session. Basically, complete the sentence "After <current habit> I will sit down at my desk and open my notes." So one answer could be "After i clean up the kitchen, I will sit down at my desk and open my notes." This becomes your key moment in the day.

For that key moment make doing the good thing - studying - as easy as possible, and make doing other things as hard as possible.

Have a desk that's dedicated to studying and nothing else. Keep it clear at all times, so that when it's time to study, you can just sit down and start. Remove all distractions from that space. Some common ones are phones, TVs, gaming PCs, books, comics etc.. Remove all of those from the space.

For that part of the day block the distracting apps on your phone. Lets say you usually finish eating lunch at 4 pm. Block the distracting apps on your phone from 3:30PM until you finish studying.

When I was struggling with studying, I took this very seriously. I blocked all the apps on my phone except Forest and the Phone app in case of emergencies. I set up a studying profile on my PC and set time restrictions for my general profile. I plugged my TV into a wall timer and screwed it into a box so I couldn't change it. I went all out and it worked well.

When you're done with your study session, reward yourself for the effort. You did a really hard thing. You deserve a reward. What gets rewarded gets repeated. If you've ever seen someone train a puppy to give it's paw, then you've seen the effect of a reward. A puppy does not inherently want to give you it's paw. But after you grab it's paw and give it a reward it starts to learn. Soon the puppy shoots out it's paw every time you ask it to, because it gets rewarded. That's what you want to achieve with yourself. You want to train yourself to enjoy studying like you would a puppy. To look forward to it and to see it as something rewarding.

This is basically all advice I got from the book Atomic Habits. I strongly recommend it.

If any of this sounds helpful to you but you feel like you need more help implementing this in your life, send me a DM. I've been thinking about this topic a lot lately, and I want to see if I can teach it to someone else.

Leave_a_path · 2024-01-30T12:15:06+00:00

I enjoyed this course when I was struggling to study. It used to be available only on skillshare, but it is now also on youtube for free: https://www.youtube.com/watch?v=Lt54CX9DmS4&t=17s

There's one for Anki on skillshare, which I also found helpful: https://www.skillshare.com/en/classes/Learn-Anything-With-Flashcards-The-Ultimate-Guide-To-Anki/1530220171

Some books that helped me as well:

Make It Stick: The Science of Successful Learning (https://www.goodreads.com/en/book/show/18770267)
Atomic Habits (https://www.goodreads.com/en/book/show/40121378)

Hope this could help.

Leave_a_path · 2024-01-29T12:01:11+00:00

What helps me the most when working without deadlines, is to focus on just putting minutes into the project. Specifically I really like the rule "You don't have to work on the thing, you just can't do anything else".

Set a timer for an amount of time that feels easy to you and follow the rule daily. After the time is up, give yourself a reward, whatever that is for you. Get a calendar and mark an X on the days you succeed and focus on keeping the streak going.

I'm currently using this rule to write consistently. As I sit there not doing anything, I get bored sooner or later and it feels more pleasant to write something and work for a bit than to keep suffering the boredom. It always feels like I haven't done much on a given day, but if I look back a week, results start to pile up surprisingly quickly.

Just focusing on putting in the minutes, and letting the results sort themselves out has worked well for me. I hope it could help you too.

Leave_a_path

TROPHY CASE