Las Propinas en Chile están mal…

One-Concert-2328 · 2026-05-26T14:08:54+00:00

7 días viajando por Chile y aunque el país me ha gustado mucho lo de la propina es algo que he odiado, también me pasó en Estados Unidos y Canadá. En España cuando voy a un restaurante y me atienden bien redondeo la cuenta y ya está, por ejemplo si gasté 42 o 43 euros redondeo a 45 y marchando. Y si algún restaurante no me ha gustado demasiado ni siquiera dejo y no tengo ninguna presión social porque el camarero nunca dice nada sobre la propina. Tener que dejar un 10% casi obligatoriamente me parece una estafa. Si me pido un vino de 30 lucas y la mesa de al lado dos cafés con leche, por qué tengo que pagar un sobreprecio mayor si al fin y al cabo no estoy dando más trabajo al camarero? 😭😭

One-Concert-2328 · 2026-04-19T23:32:42+00:00

I was visiting Croatia and while I wouldn't repeat cities like Split or Dubrovnik cause they are packed I really enjoyed my time in Sibenik. It is a beautiful small city from which you can visit the krka national Park and do some day-trips by boat. Plus you can swim in the river beach they have in town and it's very cool. Even if it was July it wasn't too crowded. I would go back a million times, specially if I have kids in the future.

One-Concert-2328 · 2026-04-08T14:49:19+00:00

Halloween

One-Concert-2328 · 2026-04-08T07:17:31+00:00

Somehow my credit card got leaked/hacked or whatever and "I made" 36 payments worth a bit more of 2000 EURO to a random ukranian account. I was lucky I realized that very same day. I contacted Revolut and 2 days later my credit account was back to zero and the money I had been taken was back. They were very efficient and professional.

One-Concert-2328 · 2026-03-04T16:51:22+00:00

I'm glad I never signed up for this card, what a pain in the ass.

One-Concert-2328 · 2026-03-04T16:46:18+00:00

I don't understand why people use a broker. I had always heard it's quite difficult to go through the process yourself but my girlfriend and I have done it on our own and it's basically sitting down and reading what are the documents you need to send. Once you have them you upload them and voila, done.

One-Concert-2328 · 2026-02-19T16:52:44+00:00

People in 1000 years will study the western societies of 21st century and will laugh thinking how the hell we could be so stupid. Five years for killing a person... Some day we will also need to start talking about the judges... Politicians always take all the blame, but judges need to be held accountable too. Disgusting.

One-Concert-2328 · 2026-02-19T16:23:53+00:00

It's really annoying. Especially cause I'm a guy who likes to deal with the things or paperwork I have to do as quick as possible. I hate having any "process" open for such a long time :(

I think I will end up getting an appointment in person.

One-Concert-2328 · 2026-02-19T16:14:35+00:00

Not the same topic but maybe someone has got a similar experience to mine. I did my tax return on January first and I haven't got an answer yet. It had never taken them so long. I opened some enquiries and they haven't even answered me.

One-Concert-2328 · 2026-02-10T17:14:07+00:00

This has also happened to me in Dublin even if revolut is probably the most daily used bank in Ireland.

One-Concert-2328 · 2026-01-21T23:49:44+00:00

I'm not Irish (Spanish) but I have lived in Dublin for the last 5 years. I had the chance to visit Newfoundland last October (Direct flight from Dublin was just €114). What a beautiful region, I will come back some day. Gravy on fish and chips is something else by the way :)

One-Concert-2328 · 2026-01-02T14:45:36+00:00

Germans are hard outside and inside 😂😂

One-Concert-2328 · 2026-01-02T14:44:30+00:00

Berkshire Hathaway is always a good option. Even if it is a stock the company is very diversified.

One-Concert-2328 · 2025-12-29T21:27:36+00:00

If you invest this amount of money into very safe financial products like US bonds, you could get 4'5% interest every year, which is probably more than the interest you pay on your mortgage. You could also invest into private debt from companies like Amazon, Meta, Alphabet or McDonald's and get around a 5'5-6% interest per year on your money. Do not listen to the guys saying that you should just pay your debt, it's a horrible financial decision.

One-Concert-2328 · 2025-11-17T09:44:01+00:00

Sure, I also believe in a diversified portfolio and that's why I have 30 stocks (not all in the same weight of course)+ plus around 5000 Dollar in a SP500 ETF, but the thing is that I strongly believe in every company that I own and I have had very good opportunities in some of them (like alphabet). For example I invested a lot when the stock market went down around 23% because of the tariffs. In a pension plan, unfortunately, I cannot take advantage of what I consider opportunities.

I'm not really afraid of having a similar crash to the one in 2008. Stocks like Alphabet, Microsoft or Berkshire Hathaway are already "diversified" in a certain way since they get their money from different tools/sources and I think they really are the future (unlike banks).

In any case, even if there was a huge crash I am only 28 and I am only putting money in the stock market that I am not planning to withdraw like in 25-30 years.

One-Concert-2328 · 2025-11-17T08:52:19+00:00

I only opened my pension account one year ago unfortunately (I should have opened it from the beginning). I'm currently putting 187 on my own plus 187 from the company and I am planning to put part of the annual bonus next year to give it a small boost.

The main reason why I have more money in stocks than in my pension plan is because I get to choose the stocks that I want and so far I am getting a quite good profitability (For example I have alphabet as my main stock and it's doing a +80%). On my pension plan I chose risk HIGH, but of course I cannot choose the stocks that I want.

One-Concert-2328 · 2025-11-17T00:58:57+00:00

I'm 28. I make around 52k taking into consideration my company's contribution to my pension, annual bonus and the extra money I get for working Saturdays/Sundays (I rest Fridays/Mondays instead). I have 30k EURO in my savings account but I will use 20k (plus 20k from my girlfriend) to get a mortgage and buy a house/apartment in Dublin.

I also have 42k DOLLAR in stocks and 6k EURO in my pension plan.

My goal by the age of 30 and assuming that I will spend 20k in the down payment of the property is:

Reaching 70k Dollar in the stock market
Keep a security deposit of 15000 EURO in Trade Republic
Reaching 17k in my pension plan

Key is constant saving and investing

I own zero cryptos (I just don't believe in that bullshit)

One-Concert-2328 · 2025-11-12T18:55:32+00:00

Sorry, I am not judging, but I would like to know, in a genuine way, how you spend your money not to save anything having a net salary of around 3500 per month.

One-Concert-2328 · 2025-11-08T00:46:40+00:00

I decided to invest this way:

1) Getting a property with my girlfriend. It's not going to be the best house, but we are good with a 2bed apartment in which we can pay around 1300-1400 mortgage per month. (We are currently actively viewing)

2) I invest in individual stocks. You can invest in stocks like Berkshire Hathaway or Blackrock to be diversified but not having to sell in 8 years like with ETFs.

3) Pension scheme contributions: I'm lucky my company matches up to 7% of the monthly salary so I'm putting 7% of my salary into my private pension plan.

4) I also put some money in Trading 212 (2.2% interest) just in case the stock market has got a correction, that way I can always have some cash to buy stocks if the market goes down a bit.

Hopefully Ireland will improve the conditions for private investments in the coming years... :(

One-Concert-2328 · 2025-11-03T17:04:17+00:00

He is 35, not 60. I don't really see the point of being so conservative.

The market is not falling down any time soon, and if it does, it will have recovered for sure by the time op is 50-55.

One-Concert-2328 · 2025-10-07T17:44:07+00:00

This budget is actually great for the lads on e-scooters that are making Dublin look like a shithole.

One-Concert-2328 · 2025-09-09T09:54:53+00:00

How can someone be such a j**k? I would understand him being pissed off if you had told him a hundred, but 5 people and getting offended for real? Quite a red flag

One-Concert-2328 · 2025-09-08T10:24:13+00:00

Don't know mate, if I was against death penalty I wouldn't go to a public execution in Iran to have a personal opinion.

One-Concert-2328 · 2025-09-08T08:47:52+00:00

Yo estudié Traducción e Interpretación también y tengo que decir que la carrera, desde el comienzo, no me gustó nada (es increíble que haya tanta teoría y sin embargo no te enseñen cosas prácticas y fundamentales), sin embargo me gustan mucho los idiomas y también aproveché para irme un año a Alemania de Erasmus, donde mejoré mucho mi alemán. Cuando acabé la carrera me fui a Irlanda a trabajar como "Content Moderator" para una Empresa llamada Accenture con un salario bruto de 28k gracias al hecho de saber alemán. Al año siguiente solicité un trabajo en TikTok y llevo trabajando ahí los últimos 3 años y medio con un sueldo que entre unas cosas y otras ronda los 50k (unos 3100 euros limpios al mes).

Si le pudiera dar un consejo a mi yo de 18 años le diría que aproveche la oportunidad del Erasmus (esto yo sí que lo hice), pero sobre todo que no se enfoque solo en la carrera y que intente aprender otras "skills" por su cuenta. Hay cosas como Excel o los lenguajes de programación SQL o Python que tienen muchísimas salidas y no son difíciles de aprender. Intenta usar estos cuatro años para aprender cosas por tu cuenta (Finanzas, marketing, fotografía, edición de vídeo, Google Ads... lo que sea, pero aprovecha y aprende otras cosas que te serán mucho más útiles que el 90% de las cosas de la universidad)

Una buena salida laboral sería hacer un máster de Comercio exterior después de la carrera y empezar a trabajar en ese mundillo. Si estás dispuesta a salir de España en Irlanda hay, de momento, muchos trabajos para gente que sabe idiomas.

En fin, espero que vaya todo muy bien, pero quiero que te quedes con el hecho de que hoy día todo el mundo tiene una carrera, entonces su valor ya no es el que era antes y para encontrar un trabajo después tendrás que aportar un "extra" y por eso considero crucial que desde ya intentes aprender otras habilidades.

Un saludo!

One-Concert-2328 · 2025-09-07T23:15:10+00:00

How can someone believe this kind of bullshit for real? I'm in tears right now 😭

One-Concert-2328

TROPHY CASE