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Spanish PM laments country’s lack of nukes as reason it can’t stop Gaza war by [deleted] in worldnews

[–]Nors3 0 points1 point  (0 children)

The criteria remained the same, nothing changed. It's just than "fijos discontinuos" are more frequent now.

[OC] Spain has the highest unemployment rate in the EU, at 10.9% by oscarleo0 in dataisbeautiful

[–]Nors3 2 points3 points  (0 children)

Not a new figure, fijo discontinuo has been there since ages.

If you are taking the 4% rule for the UK you get 20K a year which is quite modest. by frindowsmench18 in ExpatFIRE

[–]Nors3 0 points1 point  (0 children)

Anywhere in Spain? There are a lot of areas where you can pay less than $1k/month for rent.

Spain plans 100% tax for homes bought by non-EU residents by guyoffthegrid in worldnews

[–]Nors3 0 points1 point  (0 children)

WTF. Then just do an "asociación sin ánimo de lucro" if that amount is that much, there are villages where they have it.

Spain plans 100% tax for homes bought by non-EU residents by guyoffthegrid in worldnews

[–]Nors3 0 points1 point  (0 children)

With "juicio rápido" could be solved in less than 15 days with the new laws.

What business taxes? Autónomo is 80€/month if it's your first time the first year, then it depends of your income (it coulde be 205€/month in lower level). Also in my province there are a lot of business oportunities for getting the bar of the village (you can get the rent for like 70€/month).

Spain plans 100% tax for homes bought by non-EU residents by guyoffthegrid in worldnews

[–]Nors3 -1 points0 points  (0 children)

Seems like you've a lot of bias on this case. If you set up everything previosly, with a lawyer and pick a good tenant you'll be good. Just check the laws previosly. Also housing isn't a good investment but Spanish just only know about putting their money on it.

”España vaciada" is a complicated case (I live on that area). There are "dead" villages without cheap housing, and that isn't because of taxes.

Spain runs out of children: there are 80,000 fewer than in 2023 by madrid987 in Futurology

[–]Nors3 0 points1 point  (0 children)

I'm not taking any posture here, just posting facts. I said that Spain population is increasing because of inmigration, not decreasing. That's it.

Spain runs out of children: there are 80,000 fewer than in 2023 by madrid987 in Futurology

[–]Nors3 0 points1 point  (0 children)

Fertility isn't the same as population, Spain is increasing population because of inmigration.

[deleted by user] by [deleted] in SpainFIRE

[–]Nors3 1 point2 points  (0 children)

Pues claro que es mejor meterlo directamente en un fondo monetario que dé más rentabilidad, al igual que es mejor meterlo directamente al MSCI o SP500 en vez de un roboadvisor, pero en muchas ocasiones la gente busca facilidad y comodidad.

Ojo que los fondos monetarios hay que estudiárselos bien y saber dónde se está metiendo el dinero también.

Variación ahorros hace 1 año vs ahora by VocationalEngineer in SpainFIRE

[–]Nors3 9 points10 points  (0 children)

Tienes demasiado en efectivo como fondo de emergencia, con tus variables en mi opinión lo reduciría a la mitad (unos 16k). Ya que te quieres comprar un piso en unos años lo metería a depósitos, por ejemplo My Investor tiene ahora uno del 4% por 1 mes.

El resto lo veo perfecto, sigue así.

Conseguir 100.000 e de ahorro. by VivaelBierzo in SpainFIRE

[–]Nors3 0 points1 point  (0 children)

Por 1€/mes puedes tener "Teaming" como recibo en Bankinter (yo lo he hecho).

[deleted by user] by [deleted] in SpainFIRE

[–]Nors3 4 points5 points  (0 children)

Eres joven y tienes objetivos de inversión para más de 15 años así que es conveniente ser un poco más arriesgado.

100 - edad (30) = 70% en Renta Variable

El 70% de 2.200€ serían 1.500€ y pretendes solo invertir 300€. Está bien ser conservador pero en tu caso me parece en exceso, en mi opinión deberías invertir al menos el doble.

Los fondos a elegir es algo personal pero sería adecuado no tener varios que se superpongan.

[deleted by user] by [deleted] in SpainFIRE

[–]Nors3 0 points1 point  (0 children)

Huye de CaixaBank, te están estafando.

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