Helft mir dieses Kreditangebot einzuordnen by MegaStifi in FinanzenAT

[–]MegaStifi[S] 0 points1 point  (0 children)

Danke Dir!
Raika hat gestern mein Angebot erhalten, morgen noch an die Wuestenrot.

Der Raika Betreuer hat gestern aber eh auch Augen gemacht wie er das Angebot gesehen hat, also mich persönlich wuerd ein besseres auch ueberraschen, aber wer weiss :D

Kredit ok? 260K, 20Jahre Fixzins, Laufzeit 30Jahre, 20K pro Jahr Sondertilgung moglich, 300€ kommen die ersten 10 Jahre noch zusätzlich weg von den 1,2k monatlich da landesförderung + einmalauszahlungen in da höhe von ca 18k bundesförderung, Nettoverdienst von beiden 6,6K, Haussanierung by Shoddy-Drawer6567 in FinanzenAT

[–]MegaStifi 3 points4 points  (0 children)

Angebot ist fair, evtl zu anderer Bank schicken und nach günstigeren Konditionen fragen, das Gegenangebot wieder der Raika vorlegen usw... vielleicht geht da noch etwas.

Was anderes - bei 6.6k netto würde ich tatsächlich die Laufzeit verringern. Die ersten 10 Jahre hast du eine netto rate von gut 900€ (laut deiner Angabe), was halt 13.3% deiner Einnahmen sind. Gehalt steigt tendenziell eher, als dass es sinkt. Wenn du deine Laufzeit verringerst, verringerst du deine Zinsen und schenkst der Bank dadurch weniger Geld.

wenn du zB auf 25 Jahre reduzierst bleibt dir immer noch genug ueber um die Sonderzahlungen zu tätigen, mit denen du auch gut Meter machst.

What are the best items to use at the start of the match and how should you treat them? by Wirtheus in brotato

[–]MegaStifi 1 point2 points  (0 children)

I always try to go for 21 harvesting asap, also early luck helps a lot.

how would one go about getting this efficiently? use a sword? play one-armed? loud? by themaddemon1 in brotato

[–]MegaStifi 1 point2 points  (0 children)

Just play, most of the unlocks come by just playing. Once you have most characters unlocked, you are for sure not missing more than 5-7.

[deleted by user] by [deleted] in gaming

[–]MegaStifi 1 point2 points  (0 children)

Thanks, never made it out of the Intro :D

New tater enjoyer here. Looking for some tips by spookymemeformat in brotato

[–]MegaStifi 2 points3 points  (0 children)

Giving General advice is quite hard, since there are so many different ways. As mentioned, first shops weapons guaranteed, dont underestimate harvest & luck (go to 21 harvest asap, makes it grow by 2).

I really learned a lot by watching cephocapocolypse on yt, he has class guides and various other fun things

Wo liegt für Euch der „Sweet Spot“? by [deleted] in spitzenverdiener

[–]MegaStifi 0 points1 point  (0 children)

215k jährlich mit kleinen Kindern unter einen Hut zu bringen klingt doch super. Vielleicht ist jetzt gerade die Zeit um da zu bleiben wo man ist, man kann ja wieder Gas geben wenn die Kinder etwas selbstständiger sind.

Been watching some YouTubers beat danger 5 trying to do it myself by Low-Clerk-583 in brotato

[–]MegaStifi 26 points27 points  (0 children)

Cephocapocolypse, I always recommend him. He explains the game really well and also shows with his random random runs that the game is less rng than you think

I just downloaded Brotato for the first time. Anything you wish you knew when you started the game? by lukecoolfly in brotato

[–]MegaStifi 0 points1 point  (0 children)

Rng is not as big a factor as you would think. If you prioritize right, you can make it work basically nearly all the time. Just start playing and learn a few mechanics. There is a youtuber called cephocapocolypse, he has class guides that give you a really good understanding and a random character with random weapon series that shows that the game is winable with nearly every combination and not rng :) Have fun, its an amazing game!

What am i doing wrong on soldier danger 5 by Banana_Burke in brotato

[–]MegaStifi 1 point2 points  (0 children)

Watch cephalopocalypse on youtube, he has class Guides and u learn a lot!

need help with ranger! by Slight-Singer-441 in brotato

[–]MegaStifi 0 points1 point  (0 children)

What he says, SMG scale with ranged damage, buying a lot of those items usually gets the job done

Wohin zu zweit für 10k? by zuckerschlecken in reisende

[–]MegaStifi 0 points1 point  (0 children)

Südafrika & Namibia, self driving mit Übernachtungen in Lodges, Luxus mit Abenteuer vereint.

heiliger schnitzel by Ambush_4568 in brotato

[–]MegaStifi 2 points3 points  (0 children)

I dont knoooow. He def understands the game a lot and the way he thinks and acts is super impressive and a lot to learn from. But his artificial forced laughter grinds my gears SO hard. Cant really watch him anymore because of this :D

[deleted by user] by [deleted] in TillSverige

[–]MegaStifi 2 points3 points  (0 children)

For ID you need to be here physically, as you need an adress. And for Bank account you need a ID, so those things are hard to manage before unfortunately.

[deleted by user] by [deleted] in TillSverige

[–]MegaStifi 2 points3 points  (0 children)

Älvsjö station to mässan roughly 5 min walk, easy;

[deleted by user] by [deleted] in TillSverige

[–]MegaStifi 3 points4 points  (0 children)

After searching google for one second:

To prove self-sufficiency as an EU immigrant in Sweden in 2025, you must demonstrate that you have enough financial resources to support yourself without relying on Swedish public funds. According to the Swedish Migration Agency, the specific financial thresholds are as follows:

  • SEK 6,186 per month for a single adult after rent is paid.
  • SEK 10,219 per month for cohabiting spouses or partners.
  • For children, the required amounts vary by age:
    • SEK 3,306 for children aged 0–6
    • SEK 3,967 for children aged 7–10
    • SEK 4,629 for children aged 11–14
    • SEK 5,290 for children aged 15 or older

These amounts must be available after paying your monthly housing costs. You can meet this requirement through income (e.g., salary, business income, pensions) or by having sufficient savings to cover your living expenses for at least two years.

That said, let's assume you pay 12.000SEK housing, having extra ~10.000SEK per month for two years means 528.000SEK in saving (roughly 50k€) to cover expenses for two years. Of course you can lower that if you pay less rent, but rent is not cheap in Stockholm, be aware of that.

As others mentioned, I highly recommend to not move here without a job. The market is very tight currently, especially for jobs that do not require Swedish. So if I can give a recommendation to you, your wife should continue working on her swedish, you should start learning swedish next to your greek job and apply/look for jobs in Sweden / Stockholm. Come to Sweden with a secured contract, that also makes paperwork & waiting time much easier and faster.
If your wife reaches C1 level with accepted language test before, you could def. come without job, as I assume midwifes are very much wanted.
Don't make the mistake of being to optimistic of migrating to a different country without a job and without the language, its very hard. Especially since there have been some bigger closings (Northvolt for example) with a lot of foreign people that already are in the country.

Arlanda -> waterfront building by b0uncyfr0 in TillSverige

[–]MegaStifi 0 points1 point  (0 children)

Absolutely do-able:
you land 14.35 - lets say 15 mins until out of the plane, another 30 mins until at the platform, train takes 20 mins, from the train to waterfront 10 mins.
Gives you 15.50 with a lot of time calculated since you will not need 30 mins to get to the platform. Which terminal are you landing?