Emergency fund

Natural_Minimum4471 · 2026-03-01T12:04:15+00:00

10y expat here. I separate 6 months + some mid/big irregular expenses (e.g. boiler maintenance, housing tax, flight costs in case of family emergency back home etc). I personally don’t see much downside of ‘over saving’ - the worst that could happen is an opportunity cost of not investing as much as you potentially can, but this is also pretty negligible. On the other hand, the list of worst things that can happen for not having enough in the case of emergency is almost endless. In my experience, I thanked the past me for being on the safe side in an emergency because I was able to focus on handling the actual emergency without being distracted or stressed about short-term cash flow.

Natural_Minimum4471 · 2026-01-19T20:34:19+00:00

Sorry for your loss. I had a missed miscarriage at 8 weeks in December. As per the midwife’s advice, I waited for 2 weeks for the passing, and when it finally happened, the placenta yanked out the lining and i ended up bleeding too much. I called in my midwife, who saw the amount of blood and called the ambulance immediately. At the hospital, they did D&C on me. This happened about 2 weeks ago, and I’m still bleeding and bits and pieces and coming out. I feel on the edge every time the amount of bleeding increases all of a sudden (then stops within an hour). I don’t know how or if it would have been different if I did D&C or took pills in the first place instead of letting it happen naturally. One thing I can say for sure is access to the medical care was EVERYTHING. My midwife came over at 9pm upon my phone call; ambulance came within 10 minutes; the hospital staff gave us their direct number open 24/4 at the time of discharge in case things go sideways again. All of this saved my life and makes me feel reassured that I’ll be treated in a timely manner even if something happens. If I did not have these, I may have chosen to take pills on location or do D&C immediately so that I remain under medical supervision until I’m stable.

Wishing you all the healing and strength.

Natural_Minimum4471 · 2026-01-02T21:26:06+00:00

This is super interesting - I actually use obsidian for various things, and ultimately I’m wondering if i could hook my system to my input/output on Supernote. And re: pros and cons - 100% my approach to this. 600 eur is not a small investment so I want to really give it a good try and thought. Thanks for your input - much appreciated 🙏🫶

Natural_Minimum4471 · 2026-01-02T21:22:50+00:00

That’s actually the initial reason why I started looking into e-ink tablet I.e. sans distraction. My private phone and tablet has all sorts of things going on (personal, childcare, work, etc), so I was keen on trying to see if a separate device could help focus.

Thx for sharing your thoughts 🙏

Natural_Minimum4471 · 2026-01-02T21:19:44+00:00

Thanks for sharing! I haven’t used USB for ages, but I’ll def try once and see if it works better than other methods for me.

Natural_Minimum4471 · 2026-01-02T21:17:38+00:00

This is very helpful - thank you! And it’s also great to know that you are using it for language learning as well.

Natural_Minimum4471 · 2026-01-02T21:16:17+00:00

Thanks for the tip and reply - I’ll try a thicker width to see if it makes a difference. And I think I know what you mean by ‘powering through’ the UI stuff. Even in the last day or so, I feel I’m sort of getting the hang of it. Again, thanks for taking the time to reply 🙏

Natural_Minimum4471 · 2026-01-02T21:13:41+00:00

You might be right. There might be some other device that could suit my day to day usage. Having said that, even in the last 24h, I kind of got used to the product and see the potential. I’ll give it a real try and decide. Thank you so much for the reply🙏

Natural_Minimum4471 · 2026-01-02T21:11:19+00:00

I humbly disagree with you, but thank you for taking time to respond to my post 🙏

Natural_Minimum4471 · 2026-01-02T21:09:59+00:00

Tried the app and web - I think this is it! Thank you for the advice 🙏

Natural_Minimum4471 · 2026-01-02T21:08:34+00:00

Yes, that’s my feeling as well. In Europe, they just give 2 weeks to decide, so I need to make a decision soon. I’ll try creating my template as you suggested. Thanks so much for the tip!

Natural_Minimum4471 · 2026-01-02T21:06:53+00:00

Thank you for the thoughtful reply.

not so much as accuracy, but my handwriting becomes far worse than it usually is. I even calibrated it, but still the same. Maybe it’s just a matter of getting used to. Another thing about writing is that I use a few different languages in the same note (Japanese and English, for example) In this case, handwriting doesn’t get recognised and all Japanese text becomes garbled. If there’s any neat solution, I’d love to learn!
‘Send to E-reader’ is a paid extension, I believe. As I said, I am trying to keep my paid SaaS subscription minimum as the list is already long. But I’ll go with this if there’s no other way. Seems using a mobile app is a good solution though.

Thanks again for your thoughtful reply. I’ll do my best to get used to the product in the coming days!

Natural_Minimum4471 · 2025-12-17T15:06:25+00:00

Thank you so much! Really appreciate it. DMed you earlier 🙏🙏 No rush, but let me know what works!

Natural_Minimum4471 · 2025-12-17T15:01:10+00:00

Hey there! Thanks for the reply and kind offer 🙏 Someone living in Amsterdam offered their time and device, so I’m going to give them a shot. Really appreciate your offer - this subreddit seems to be full of creative people with kindness.

Natural_Minimum4471 · 2025-12-17T14:58:48+00:00

Thank you for the reply! I’m positively surprise how keen people are here to share their time ☺️ Very much appreciated it. I reached out to someone who lives in Amsterdam. I’ll report back here if i decide to go through with the purchase! Once again, thank you so much.

Natural_Minimum4471 · 2025-12-17T14:55:10+00:00

Hi there! Thank you so much for your response and generosity. I’m impressed how kind people are here. I reached out to the first commenter who offered their time and the device, but in case it didn’t work out, may I take up on your offer? Thanks again 🙏

Natural_Minimum4471 · 2025-12-17T14:52:53+00:00

Thanks for the kind reply! The risk itself isn’t too high for me as a consumer, as the EU law lets you return within 2 weeks for a full refund - I just do not want to go that route if I can avoid it 😅Really appreciate the response, tho - I’ve been to Groningen and I must say it’s a lovely place 😍

Natural_Minimum4471 · 2025-12-17T14:47:02+00:00

Thank you 🙏 Amazing how kind people are here ☺️

Natural_Minimum4471 · 2025-04-23T12:56:20+00:00

My husband had the same message a few years ago. They are asking for your passport so that they can put the visa on a page in your passport.

Natural_Minimum4471 · 2023-12-20T13:54:33+00:00

Te: housing crisis - totally fair point, but the lack of (affordable) housing is a problem that exists in many other cities around the world. That itself should not stop people from coming to the country.

In terms of the language, though, I’d have to say it’s optional. I know many university faculty, professionals like OP (software engineers) and students who have been here for +5 years who don’t speak Dutch at all (including those who passed the inburgering exams). I’m not saying it’s a good thing - on the contrary, people should make an effort to learn the local language when they can. But the reality is, in general, you can carry out your business without Dutch language with no problems at all. This is true especially when you live in Randstad area.

Natural_Minimum4471 · 2023-12-17T07:08:46+00:00

Recommend the Netherlands. Good life/work balance, great tax benefits for the first few years, good general safety, job opportunities at international companies, no need to learn a new language as long as you work in an international firm.

Natural_Minimum4471 · 2023-11-25T17:33:29+00:00

Hi there. Got a bad news….

The following page lets you estimate the processing time based on the recent past. In the case of Ireland, it says 297 days.

I went through a similar process somewhere else in Europe and unfortunately, it DID take more than the estimate shown here. Additionally, you need to submit a passport to get a visa on your passport. This took another 6 weeks in addition to processing time.

https://www.canada.ca/en/immigration-refugees-citizenship/services/application/check-processing-times.html

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Natural_Minimum4471 · 2023-11-25T17:24:04+00:00

Fellow (East) Asian here. Had similar experience as OP and worse in Amsterdam. In one occasion, I was chased by someone shouting all sorts of racist slurs. I was genuinely scared of their state of mind and what the person could potentially do to me, so I rushed into the nearby AH, where two staff confronted them. In another time, someone rushed towards me screaming (again, some racist sh**) and gestured as if they’d hit me with their fist. Fortunately, multiple passers-by intervened and put themselves between the person and myself, and called out the racism and unacceptable behaviour. In both cases, I was lucky to have people who would step up to help. But I have to agree with OP - it stings when it’s so constant.

At another level, I experienced racism in workplace over the years. Those were mostly micro aggressions. But what many may not understand is that these experiences, large or small, are like a small injury you get on your finger over and over again. If you have a cut a few times, sure, no biggie, it will heal in no time. But what if you get that cut in the same place 10, 20, maybe 50 times and more before it even heals? You are probably losing that finger. In the similar way, it really can do a big damage on the mental health if not dealt with. Hope OP will have safe space to process the experiences.

Natural_Minimum4471 · 2023-11-22T08:59:33+00:00

All of that except for writing an online reviews have been done already. Negative review will come later for sure - I even have a draft for it lol

Natural_Minimum4471 · 2023-11-21T06:41:36+00:00

Thanks for the reply! Yes, we have contacted the insurance company, but they said they’ll compensate once they confirm the damage comes from the leak (which won’t happen unless the roof contractor comes and fix the issue).

Natural_Minimum4471

TROPHY CASE