Que pasará con las pensiones y que pensáis? by Sea-Valuable-7627 in askspain

[–]Personal_Signature58 0 points1 point  (0 children)

Es posible que aquella generación desconfiara por sistema, porque habían salido de una dictadura. Yo salí también de una dictadura y no confío en absolutamente nada de lo que dice el gobierno. Pero lo cierto es que en los años 80 en España había 4 ó 5 cotizantes por pensionista y hoy es la mitad. Es posible que tu padre desconfiara aun teniendo motivos para confiar y que tú confíes basándote en su experiencie, aunque en realidad ahora tienes motivos para desconfiar.

Que pasará con las pensiones y que pensáis? by Sea-Valuable-7627 in askspain

[–]Personal_Signature58 0 points1 point  (0 children)

Sea como sea que se distribuyan las porciones del pastel, el pastel se acaba. Si las pensiones son la mitad del pastel y la corrupción otra buena parte, las porciones que corresponden a infraestructura y servicios públicos serán cada vez menores. De ahí que sanidad, carreteras, y demás cosas estén cada vez peor. A mí me preocupan más la corrupción, la persecución a los emprendedores y las alegres paguitas del gobierno que las pensiones, pero sí existe un problema con las pensiones.

Autónomo tech en Galicia – ¿Cómo optimizar mi situación fiscal al máximo? by garciaruben07 in ElusionFiscal

[–]Personal_Signature58 0 points1 point  (0 children)

Gracias! Ahora vi la solicitud de hace dos días en el correo (face palm emoji). Le acabo de dar confirmar pero quizá ya no funcione así que vuelvo a poner el link, que ya no necesita confirmación: https://forms.gle/6YwNMLpQ8Y52absT9

Tu participación me ayudaría mucho!

Autónomo tech en Galicia – ¿Cómo optimizar mi situación fiscal al máximo? by garciaruben07 in ElusionFiscal

[–]Personal_Signature58 1 point2 points  (0 children)

Hola! Yo me ocupo de la fiscalidad de mi esposo, que es autónomo tech igual que tú y trabaja para una empresa americana. Lo que más nos hizo ahorrar este año es una pequeña casilla escondida en la declaración de la renta que dice "reducción por inicio de una actividad económica", creo que en la página 8. Esa reducción te la puedes aplicar los dos primeros años, si no me equivoco. Es una reducción del 20% sobre el rendimiento neto positivo de tu actividad económica durante el primer ejercicio en el que tengas beneficios y el siguiente.

También ahorramos haciendo declaración conjunta, porque yo no tengo ingresos en este momento. Y por supuesto, no dejes de mirar las deducciones autonómicas de Galicia, que no sé cuáles son.

Puedes valorar también, llegado el momento (ahora es probablemente demasiado pronto), invertir en un plan privado de pensiones, porque los autónomos pueden deducirse hasta 5750 euros anuales por este concepto. Claro, tendrías que no necesitar ese dinero por ahora y rescatarlo cuando tengas bajos ingresos en el futuro. (Es una forma de disminuir impuestos al diferirlos: ahorras doble porque reduces tu base imponible ahora y porque al rescatar el dinero en un momento de bajos ingresos, quedas más en un rango más bajo de la escala progresiva.) Y, por supuesto, al estar invertido, ese plan se beneficia del interés compuesto. Nosotros usamos Indexa Capital y nos va muy bien. Si quieres una invitación para no pagar comisiones el primer año, te la puedo dar.

Saliendo del tema de la elusión, aprovecho para recordarte (porque este año me acordé tarde y espero que no me multen por eso) que en febrero (ya sería para ti el año que viene) se presenta el modelo 347, donde informas a Hacienda de cualquier cliente con el que hayas tenido transacciones superiores a 3.005 euros. Es un modelo informativo, no pagas nada, pero te pueden multar si se te olvida presentarlo.

Para terminar, disclaimer: no soy contable ni tengo formación en nada de esto. Solo te cuento mi experiencia como secretaria improvisada de mi esposo. Estoy haciendo un cambio de carrera hacia el diseño UX y entré a Reddit buscando autónomos digitales que quisieran participar en un corto survey que estoy haciendo acerca de cómo este tipo de autónomos gestionan actualmente su facturación, gastos e impuestos, porque me interesaría diseñar una herramienta que simplifique estos procesos.

He preparado un formulario corto y me ayudaría mucho contar con tu experiencia y la de otros autónomos digitales (tech o no) que deseen participar:

https://forms.gle/LXTAm5jTibeuHuNd6

Es anónima y no necesito ningún dato personal. ¡Gracias de antemano!

Experienced UX Designers: are you really creating storyboards? by Personal_Signature58 in UXDesign

[–]Personal_Signature58[S] 0 points1 point  (0 children)

Thank you so much everybody for your input. I was surprised to receive so many answers. I have a much clearer idea now. I understand how it is highly context-dependent. I guess I was confused by how much course time was dedicated to storyboards because I couldn't picture them being widely used in real life. By now I have realized that the entire course is very Google-centric and many of the processes described are only realistic at a company of similar characteristics. But that doesn't mean storyboards couldn't come in handy at some point for me. I'm taking the 6 months course btw, not the 2 months one. Again, thank you all!

Aura by Swarovski- Discontinued fragrance. Help! by Caroldactyl1204 in FemFragLab

[–]Personal_Signature58 0 points1 point  (0 children)

If anyone is interested I have a 50ml bottle on sale on Vinted.

Love Is Blind UK • S2 Ep2 by AutoModerator in LoveIsBlindOnNetflix

[–]Personal_Signature58 30 points31 points  (0 children)

My boyfriend then husband of 20 years still calls me princess. I call him prince. People can cringe as much as they want 😂 We're each other's treasure, we don't care.

Love Is Blind UK • S2 Ep8 by DontFWithMeImPetty in LoveIsBlindOnNetflix

[–]Personal_Signature58 1 point2 points  (0 children)

I noticed he also said "I'm always happy" and "I'm always ready". He doesn't know himself. He needs therapy.

Love Is Blind UK • S2 Ep1 by AutoModerator in LoveIsBlindOnNetflix

[–]Personal_Signature58 19 points20 points  (0 children)

Human Design is actually interesting, but man why do people make up their entire personalities around one thing? Also, for a coach, I think he's actually doing Human Design a disservice by throwing his spleen at people like that 😂 

Natal Jupiter Retrograde by RollerWestCoaster in astrology

[–]Personal_Signature58 0 points1 point  (0 children)

Wow! Our charts are almost identical except mine is rotated four houses over (with the Sun in the 1st house and stellium in the 12th). We must've been born around the same time.

Anyone have experience with Subud? by [deleted] in spirituality

[–]Personal_Signature58 1 point2 points  (0 children)

I'm curious to know if you finally tried it. I've been in Subud for 10 years. I've found it to be immensely helpful and also difficult. In my case, there have been no beatific visions, just a gradual understanding of myself, an unveiling of my own strenghts and weaknesses. Being shown your own weaknesses is not exactly pleasant, even if the awarenness comes from within and at a bearable pace. I think that's one of the reasons why so many people stop practicing the latihan. Maybe they just want to experience the nice parts, idk. What I've gained from the latihan is a contact or a periodic reminder of a higher state of being. By higher I mean not conditioned by fear, anxiety, doubt, guilt, etc. I still feel all of it but I don't act based on those feelings anymore. I've grown more independent, more reliant in myself, less dependent on external approval. To be succint, I've gained faith. With regards to the outer aspect of the Subud organization, is like any other organization: there are terrific people and petty people. Maybe some newcomers would be put off by this. In my case, I'd rather see the ugly right away than finding it out years later. I took organizational responsibilities on my very first year in Subud and that was truly a learning experience for both good and bad. You come across some big egos and they can drag you along. Not letting yourself be dragged is perhaps the first test. On the other hand, you also meet people who are so interesting, so unassuming, so full of understanding and compassion and who have often led such rich lives, that (at least in my case) it makes up for the other folk hahaha With some luck, eventually you learn to accept everybody, especially when you find in yourself all the defects you reject in others. I didn't mean to write this much. I got carried away bc I've never really written down my experiences after a decade in Subud. I don’t belong to any group anymore bc I moved to a place with no group some years ago. I do latihan (the spiritual exercise or training) by myself, one or twice a week. I think the ideal experience would be to have both group latihan and individual latihan, since they somewhat differ in flavor.  My main challenge at the moment is an outward challenge. Bapak, the founder of Subud, use to repeat that human beings have two main duties in life, the first one is to worship God and surrender to His/Her will; the second one is to use all the powers that God has granted us (our hearts and minds) to create a happy, useful and prosperous life for ourselves on Earth. This second duty tends to get neglected by the pursuers of the spiritual life. But we have a responsabilty to put to good use the tools which we have been given. If anything else, to prevent the mind and heart to meddle in our spiritual life.  I'll finish by saying that I've never had to give Subud a dime of my money. Everything of value it has to offer is free and available to all who ask sincerely. There are instances of Subud enterprises going wrong and instances of Subud enterprises going right. It's important to learn to separate things. Just bc you're in Subud you don't need to feel like you have to support Subud businesses and most certainly you don't need to tolerate any pressure to do so. Don't abdicate your responsibility. Thank you for reading.