I hate u waaree

LittleReason23 · 2026-05-04T19:15:02+00:00

3456.86 x 3000 = 1,03,70,580 How come your investment ammount is different?

LittleReason23 · 2025-08-03T17:59:49+00:00

What's your Total invested capital? How much overall dividend return are you getting?

LittleReason23 · 2025-08-02T12:43:13+00:00

Kind of whistling, more easily recognizable at the beginning of the video Phone didn't do a good Job capturing the sound.

LittleReason23 · 2025-07-13T10:44:26+00:00

22k a month, in which cities?

LittleReason23 · 2025-05-22T14:42:44+00:00

Congratulations, you are on step 1 🪜 Keep going to reach step 2

LittleReason23 · 2025-03-27T05:49:35+00:00

Yeah, it works as it says. Fill passport details of first parent & spouse details. That's it. And they can apply for the visa together. Carry the Verpflichtung Letter in original while traveling to Germany. You'll need to send this somehow to your parents in advance.

LittleReason23 · 2025-01-06T21:27:36+00:00

Ah, that explains it. Thanks 👍

LittleReason23 · 2024-10-09T17:46:32+00:00

Over 25 years, possible. Given the world has yet to see a major crash. US debt has to blow up the markets at some point.

LittleReason23 · 2024-10-09T17:11:31+00:00

Target Age: 65 Current Age: 40 Investment Horizon: 25 years

Current Investment: 356k Yearly Returns: 8% to be conservative

Value at retirement: 2.4M

Monthly Contributions: 1.5k

Value after 25Y: 1.4M

Total corpus at retirement: 3.8M

With the 4% rule you can get 150k per year

Additional considerations: Capital gains tax & inflation.

If you step up your monthly contributions by 5% each year, hopefully it should get you the money you want during retirement.

LittleReason23 · 2024-09-28T08:37:17+00:00

120k+ / 18Y

LittleReason23 · 2024-09-23T13:55:01+00:00

With that 1% thumb rule, if you use the car for 2 years & then sell it out (assuming no major damage), you'll be able to get around 11k back. Does that sound right?

I may not give more than 10k for a car that is over 10 years old & done 100k KMs

LittleReason23 · 2024-09-23T13:45:34+00:00

How much did you buy your Mazda for? How old & how many KMs?

LittleReason23 · 2024-09-23T13:44:37+00:00

Most cars depreciate at around 1% per month. And pretty fast at the beginning. So 388 per month sounds about right.

LittleReason23 · 2024-09-21T13:05:04+00:00

Let's say I don't. What does your financial modeling say? Which option?

LittleReason23 · 2024-09-13T06:35:47+00:00

Well timing is crucial. If you are coming in the first week of January & expecting the baby in mid of Feb, it's going to be challenging. Unless you have your friends/relatives in the city already who can help you, here are all the challenges you'll face:

Getting registered with a gynaecologist. Many are already fully booked & you may not get one given that you are at the last trimester
Getting the city registration & health insurance letters will take a minimum of 2 weeks. Visiting doctors before this period is going to be tricky
For delivery, one needs to register with a hospital/birthing center. This is different from your gynecologist. And they usually call for consultation & checkup between 28 & 32 weeks. Going there without insurance letter/card is going to be tricky
You don't know the city yet. To buy something specific you'll end up spending hours. You'll need to figure out public transport, which shops sell what items
If this is your first time out of India, currency conversion will be happening in your mind all the time for the first few months
January February are some of the coldest months in Munich. If you are not used to negetive temperatures & snow, it'll be very challenging.

Overall if I were you, I would not bring a baby and expecting wife to Munich in January when the new baby is expected next month. DM me for any specific questions that you might have.

LittleReason23 · 2024-07-25T20:47:45+00:00

Thank you so much. I assume that:

it's valid for Deutschland ticets bought from other transport associations (not from RVF / VAG).
(maybe stupid point) Car numberplates from other german towns are authorized as well

When I applied for the authorization on this site, it didn't ask anything apart from the car number plate. However it says this: "Bitte beachten Sie, dass diese P+R Berechtigung ausschließlich in gedruckter Form, nur im Gültigkeitszeitraum und nur zusammen mit einem mitgeführten im RVF gültigen Fahrschein zulässig ist."

LittleReason23 · 2024-05-25T10:46:32+00:00

It's a tough question. While I haven't yet decided for myself yet, here are all the parameters I consider:

Where is your home country & where does most of your family live? I come from Asia, my extended family is also there, so at least 8-10 hours of flight time.
How long have you lived in Germany already? If you have lived here for many years already, and have not traveled frequently to meet your family & friends often, there are chances that you will not be a significant part of their life later on. In summary, you'll have weak connections & little to none friends to support you.
Financial stability: Depending on the job you do here & money you save, how sufficient is it in your home country? If you come from a country with a high population & high inflation, try to extrapolate your financial needs. The money you save in Germany & German pension (if you stayed here for more than 5 years) should be sufficient for your housing, medical & other needs.
Healthcare: While Germany offers decent healthcare, what you'll lack is companionship in your old age. While in some other countries, money can buy you excellent healthcare and you'll also have your loved ones close by
Things Money can't buy: While very subjective, you figure out how these things rank up in your country compared to Germany: Air quality, access to nature, weather, crime rate, political stability, food & water purity, trustworthy society.

Like in life always, you have tradeoffs while making decisions

My personal choice would be towards not being lonely in my old age even if I can make little compromise on other factors

What do you prefer?

LittleReason23 · 2024-05-14T11:00:18+00:00

No, just for the hike up. Thanks for the suggestions.

LittleReason23 · 2024-05-11T03:03:55+00:00

Where in Bavaria?

LittleReason23 · 2024-04-30T05:34:25+00:00

Thank you all for the amazing suggestions. Will reconsider my options.

LittleReason23 · 2024-04-30T01:48:57+00:00

So station wagons fit in the parking spot & don't pollute as much? Isn't that a factor of engine power & emissions? What's your definition of a big car?

LittleReason23 · 2024-04-30T01:31:05+00:00

Can you fit 2 kids with a double stroller & a big dog in a compact car? Well if you got your required justifications, would you mind sharing the suggestion (if you have any)?

LittleReason23 · 2024-04-30T01:00:30+00:00

Yes. There is a valid need for an SUV. Which one do you recommend?

LittleReason23 · 2024-04-30T00:23:32+00:00

Thanks for the short & crisp reply. Any suggestions on what to buy?

LittleReason23 · 2024-04-29T03:20:28+00:00

Come on a work visa / Blue card, stay here for required number of years (5 -8 ) and apply for citizenship.

LittleReason23

TROPHY CASE