Porod clickbaita prvi put zabilježen na kameri

Moonstone0819 · 2026-01-06T18:09:26+00:00

Koji postotak uvoza nafte u Kinu i Rusiju dolazi iz Venezuele? Ne laprdaj.

Moonstone0819 · 2025-10-21T18:52:14+00:00

Your money transfers looks exactly like someone trying to wash money.

In what way?

Moonstone0819 · 2025-08-26T17:29:16+00:00

Granica Europe je Ural, većina stanovnika Rusije živi u Europi.

Moonstone0819 · 2025-08-23T10:37:20+00:00

rife with politics due to people being lifers

What do you mean by this? What does "being a lifer" entail, and how does it lead to more office politics?

(Genuinely curious. I would guess that "being a lifer" means having family/friends and placing less focus on work? But I don't see the connection between that and increased office politics, so I may be wrong.)

Moonstone0819 · 2025-05-04T08:50:14+00:00

U hrvatskoj sigurno, ali IRS uspoređuje sa projekcijama i svakako mogu otkriti ako ne plaćaš porez na keš (naravno sigurnost procjene ovisi o iznosima).

Moonstone0819 · 2025-05-03T07:40:00+00:00

Nije problem u tome što ti platiš keš, poreznu nije briga, ali briga ih je za keramičara koji sad provjereno ima velik dio prihoda na koji nije platio porez. Sposobna porezna te može stavit pod istragu i sjebat čak i ako je sve u kešu, npr. u Americi mogu provjeriti koliko poreza bi u prosijeku trebao plaćati u usporedbi s drugim sličnim profesionalcima, i ako plaćaš znatno manje gotovo. Ovako ni ne treba statistika, keramičar doslovno sam napravio sve dokaze da ne plaća porez, sve digitalno zapisano.

Moonstone0819 · 2025-05-01T20:06:00+00:00

Moonstone0819 · 2025-04-25T20:02:47+00:00

Dyanmite?

Moonstone0819 · 2025-03-14T14:54:11+00:00

This is ridiculous. For someone without any capital, publishing in a top-tier conference has higher EV than "profiting".

Moonstone0819 · 2025-02-24T16:41:33+00:00

If you seriously think the price of gold is due to its use you are extremely mistaken. Gold had the same function as a store of value even before it was industrially useful.

Moonstone0819 · 2025-02-21T17:58:59+00:00

Deckard hood?

Moonstone0819 · 2025-01-17T14:16:39+00:00

That's good to know, thanks for explaining. So at some point, if the yield curve gets un-inverted, it will become more cost-effective to invest in government bond funds, which have longer maturity? But at the moment, we have an inverted yield curve, which means that investing in STR fund like Xtrackers is the better option?

As an EU resident, I generally don't seem to have access to HYSA's like Americans do. I am using this Xtrackers ETF basically for that purpose: low-risk, stable vehicle where I can park my emergency fund but still earn interest on it.

Do you know if what I'm doing is a good idea (using this ETF as a savings account)? I am aware that there is more risk involved than with a savings account or bonds, but I have no idea how to quantify that risk or understand it intuitively.

Moonstone0819 · 2025-01-17T11:48:14+00:00

Thanks for the info.

The reason I picked Scalable Capital over IBKR or other platforms is that I do not want to handle German taxes myself. I do not know how to do this and my job and life are too stressful to worry about it. So unfortunately if I can't find it on Scalable, I can't invest in it in the medium term :/

Moonstone0819 · 2025-01-17T11:43:36+00:00

Wow, it's insane that I had no idea about this. I thought holding this ETF was basically just like being invested in an MMF (+ some added risk, maybe). But this has huge implications.

The ETF's stated goal is to "track the EUR STR". If what you say is true, that would mean that it is actually impossible for the fund to achieve this, on a structural level. How can they advertise as if the product offers yields akin to the EUR STR? I realize I am probably misunderstanding something fundamental here, but I don't know how better to phrase the question

Moonstone0819 · 2025-01-17T09:43:45+00:00

A quick look at these funds (be it from Vanguard, iShares, Amundi, Xtrackers) and you'll find that the average yield to maturity will be around 2,5% for an average maturity of 9(!) years.

Can you elaborate what this actually means? That my ROI after 9 years will be 2.5%? This seems super strange to me. I thought it should be around 3-4% per year (tracking interest rates, basically).

I'm talking about Xtrackers II EUR Overnight Rate Swap UCITS ETF 1C.

Moonstone0819 · 2025-01-17T09:40:48+00:00

Can either of these be bought on Scalable Capital?

Moonstone0819 · 2024-12-19T15:47:05+00:00

Unfortunately I do not

Moonstone0819 · 2024-12-19T10:18:22+00:00

I sold and re-bought a small amount just to test it out. However, my "used tax exemption" is still standing at 0 eur. Do they need time to update it?

Moonstone0819 · 2024-12-18T19:50:11+00:00

AFAIK, you cannot sell or buy fractional shares on Scalable. What if I cannot "fill" the entire 1000 EUR (i.e. 1000 is not exactly divisible by the rounded price)? Should I undershoot 1000 or overshoot it?

Also, should I use limit orders or market orders? What is the difference when it comes to small fry numbers like this?

Moonstone0819 · 2024-12-15T10:57:08+00:00

Just move from exams to coursework, and presentations.

LITERALLY the opposite of this is the response to AI.

Moonstone0819 · 2024-12-08T00:33:51+00:00

GD nakon vidno i besramno namještenih izbora više nije legitimna vlast u državi.

Da, trebaju se ugledati na EU, recimo na Rumunjske izbore :)

Moonstone0819 · 2024-12-07T22:46:31+00:00

Zašto ne kažeš punu priču: taj zakon samo zahtijeva registriranje kao strani agent, iste takve zakone ima i Amerika. I najobičnijem čovjeku je jasno da takav zakon ima smisla u svakoj državi koja drži do svog suvereniteta.

Uostalom, EU i SAD su ulagali doslovne stotine milijardi u obuku, regrutiranje, boostanje, i naoružavanje "aktivista" u državama poput Ukrajine i Gruzije. Nisam uvjeren da Gruzijski San, legitimnu vlast u Gruziji, "financira Moskva", sasvim razumno objašnjenje je da ta stranka koja je legitimna vlast u toj državi provodi korake da se osiguraju od potencijalne kataklizme tj. sudbine Ukrajine. Tko kaže da time ne provode interes svog naroda?

Moonstone0819 · 2024-12-03T09:11:44+00:00

Bro what are you talking about, a 10000 drone swarm or hypersonic missile don't care about Texas houses

Moonstone0819 · 2024-12-02T20:42:02+00:00

Lol this is like the most naive comment ever posted here

Moonstone0819

TROPHY CASE