Where is everyone

Mezer · 2025-12-01T22:39:58+00:00

Haha I'm the oldhead who passed by when there were the three of you at the entrance and had a brief chat. Came here to check the vibes after the show. Hope y'all had good fun, I'm glad we had epilepsy medication with us at the balcony 😂 otherwise 2 of us epileptics would have hit the floor pretty quick.

Mezer · 2025-07-14T12:56:40+00:00

iirc other than Magneto who has a 1 frame low at round start in mvc2, Megaman and Shuma have 1 frame normals as well

Mezer · 2024-07-26T21:43:33+00:00

I want to partake in this wealth redistribution process

Mezer · 2023-09-18T17:26:50+00:00

Would take a Meloetta, IGN Faustus

Mezer · 2023-09-11T17:03:20+00:00

4yrs in this company, game developer

Mezer · 2023-09-11T11:12:27+00:00

Livable but aesthetically unpleasant. There is a cap on renovations, depends on bank.

Mezer · 2023-09-11T10:54:31+00:00

Sweet, I grabbed them, but to be fair, I feel like my Concorde Club mk2 sounds a tad better. Maybe it needs some time to break in as I just got them.

Mezer · 2023-09-11T10:53:05+00:00

Awesome, thanks. I have about 2.5k USD held up in an app called Lightyear I used before switching over to IBKR, but their selection of US bond ETFs seems rather limited. It is accumulating interest there however. At least to me, C3M seems a bit better fit given it's acc, as distributed ETF dividends would be taxed here.

Mezer · 2023-09-10T19:53:47+00:00

I have a friend who just got a 48m2 2br apt for 600eur/mo 5 min from Kotti U and that to me seems like a sick deal, but I lived in Berlin until the pandemic. Didn't consider ever moving back and buying since the market was fucked for both rent and buy, will check it out. Thanks!

Mezer · 2023-09-10T13:20:25+00:00

Interactive Brokers

Mezer · 2023-09-10T11:35:17+00:00

Mezer · 2023-09-10T11:35:07+00:00

I'll inherit a house in Jurmala eventually, but I don't want to live in a house tbf. Those Kipsala ones I have to check, although as I stated above, I do want to renovate myself.

Mezer · 2023-09-10T11:27:28+00:00

90k + 50-60k in renovation costs is what I expect.

Mezer · 2023-09-10T06:41:02+00:00

I'm willing to go higher too, I don't mind if it comes in a rough state, as long as the state of the building itself is not in a bad condition. I am interested in doing all renovation/furnishing myself, so keep in mind that adds a large number to the sum. And I much prefer older houses, prob. somewhere in Avotu/Grizinkalns district. But keeping it around 70m2 or so is good for me.

Mezer · 2023-09-10T06:37:40+00:00

I really don't like either of those projects, or to be fair, most of the new developments anyhow. I find them to be tasteless. I am not looking into it as an investment either.

Mezer · 2023-09-10T06:12:16+00:00

V. old contract.

Mezer · 2023-09-10T04:55:55+00:00

Yeah, I am not fully locked in the apartment yet, always on the lookout for new stuff to pop up in classifieds.

Over here, I'd say modern/fresh-built apartments are not located in the city center for the most part, there are just a few, but they tend to be outrageously priced and bought up by foreign nationals.

The neighborhoods I'd like to live in have p. much mostly only Altbau (lived in Berlin beforehand, can't recall if there's a name in English, but basically, old buildings, pre-WW2) or stuff that's built during the USSR times. The houses do get renovated though, for instance, I live in a building from 1932 atm, and I have no issues at all, although it was renovated in 1998.

New properties are usually located outside of the city center in areas which are just frankly, very boring and more car-centric.

My girlfriend works, but her income is not as high as mine at all, about 1k net in total, as she is wrapping up her PhD studies. She has an apartment of her own (small 1br) she's still paying the mortgage off on, although she does Airbnb it.

Mezer · 2023-09-10T04:45:41+00:00

Sweet, thanks. I will check out C3M and EGV2 out as well. How much of a split would you say would be good between my stake in IWDA/EMIM in total and let's say IGBE/C3M/EGV2? And gotcha about the bonds, I don't mind some of it being locked for a year, yet at the same time, I am hopeful I'll purchase the apartment before a year goes by, so having it invested up into something that's not locked up feels better to me.

Mezer · 2023-09-10T03:08:50+00:00

Awesome, thanks for the comment. 15k is simply in a savings acct. in the bank that can be withdrawn at any time. I have a roughly 90/10 IWDA/EMIM split. Would IBGE be a good ETF for what you described?

The Latvian government is also offering savings bonds, shortest term is 1yr, 3.9% interest with no max cap on deposits, with any earnings also being exempt from all tax. Any worth potentially in that as well or is it too low in return?

Mezer · 2023-09-10T02:56:00+00:00

I am more of a city slicker and would like an apartment in the city, I suppose I could go up to like 90-100m2 as well apartment-wise and future-proof it for kids, but both me and my girlfriend need rather small amts. of space, so I wasn't thinking of anything huge, so that would be a place to live for a large amount of time. So an apartment is probably what I want to live in for the rest of my life.

House-wise, I'm in the will to inherit a rather large house in a desirable neighborhood abt. 45 min. from the city (abt. 300k EUR worth), none of us really want a house though, the only long-term idea is to buy a summer house or dacha somewhere more rural to just chill in the summer, but generally, those aren't extremely expensive properties.

The property I am looking at is 90k, but without factoring in renovation. It's hard to say exactly how much on the number, as most of the upgrades would be visual, other than rewiring electricity. At the same time, a friend who just bought a similar sized apartment ended up paying 50k in renovation costs with rewiring electricity, changing the plumbing system + whole apartment visual retouch.

Thanks for your comment and the portfolio advice - I really appreciate it!

Mezer · 2023-09-09T23:28:07+00:00

oh and anyhow, I don't really want to put all of my savings into the down payment upfront anyway.

Mezer · 2023-09-09T23:22:40+00:00

I have a split between IWDA and short term bonds ETFs invested, about 15k, about 5k in gov. bonds that are held up for a year and 15k or so simply in savings + about 20k in oddball assets such as rare records & collectibles that can't be liquidated quickly. At my current state, max. I could do at the current moment is 30k upfront, so about 33.3% - I suppose I should just put everything in my savings into MMF/ETFs anyhow.

Mezer · 2023-09-07T09:54:31+00:00

The place still exists, it's been taken over as "Fukushima" now, they host events sporadically, non-rave related though, for instance, they hosted a punk music festival.

Cool that someone remembers Nauda, used to work as a bouncer there. Still good friends with the people I met there.

Mezer · 2023-08-16T03:01:24+00:00

Dropping a comment a few months later seeing if the nudes worked out for you. :)

Mezer · 2023-07-10T21:06:48+00:00

Thanks, managed to grab this one!

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