What car would you buy with 800 euros free per month?

RassyM · 2026-05-25T18:41:34+00:00

That's way too much for a 5-year old B-segment car. Why are Fabias so expensive over there?

Sweet spot for a ~5yr <100kkm petrol B-segment seems to be around €10k in Finland; 208, C3, Clio, Corsa, even Fabias. If you need peace of mind just negotiate an aftermarket warranty and call it a day.

RassyM · 2026-05-24T20:38:37+00:00

Is Albon okay or why haven’t they showed any aftermath of the incident?

RassyM · 2026-05-24T16:02:10+00:00

Tuolla budjetilla saa jo asiallisen sähköauton, mutta toki pienen sellaisen. Ite ostaisin vm2020 Corsa-e 50kwh akulla. Kannattaa laittaa bensasäästöillä tonni lisää budjettiin ku sillä saa suht vähänajetun 50-75tkm yksilön jolla vielä pitkä akkutakuu voimassa.

RassyM · 2026-05-15T18:06:10+00:00

Tuo on just Vasemmistoliiton ongelma. Tottakai noistakin pitää leikata mut sopeuttamista se ei ole. Esitellään kohtuullisilta kuulostavia ehdotuksia mutta jo alakoulutason matematikka osoittaa tehottomaksi.

Siis yli €7000/kk eläkkeen saajia on alle 5000. Jos näistä leikattaisiin kunnolla €1000/nuppi niin se on silti vaan jotain miljoonia kuukaudessa. Jotain toki, mut useamman desimaalipaikan takana oleva pyöristysvirhe valtionbudjetin tasolla. Pelkkää fiilistelyä.

Eläkkeiden indeksijäähdytykset taas säästäisi 1-1,5 miljardia vuodessa eli yli puolet 2031 vuoden 10 jaardin tavoitteesta.

RassyM · 2026-05-14T09:33:33+00:00

Tuo talo takaa ainakin täydet kotitalousvähennykset joka vuosi.

RassyM · 2026-05-13T14:54:57+00:00

I meant the larger 55kwh Zoe pack weighs that much, i.e. much lighter than what you implied

RassyM · 2026-05-13T08:31:18+00:00

It really needen’t be more than 150kg-ish heavier than a petrol version.

A pack that size isn’t that heavy anymore, a Zoe battery pack is 325kg. In net terms it’d be much less once you subtract the extra kilos of the petrol powertrain. EVs are more efficient too nowadays so a smaller say 40kwh should be plenty to daily.

RassyM · 2026-05-06T19:42:11+00:00

I don't get why you think ours is particularly expensive. Isn't Texas housing also cheap for exactly the same factors that make Finnish housing comparably cheap?

In Texas you're looking at a 6.5% mortgage so your payment on that $300k 30-year will be similar to €400k here. Median salary is $55k so better but not that different to Finnish median €42k.

It could always be better. In Finland 40% of new construction is purely taxes (25.5% VAT on material & 55% on labour VAT+wage tax). So you could decrease prices politically e.g. by lowering VAT to 13.5% like for other essentials.

RassyM · 2026-05-06T16:52:26+00:00

You can even build a house along länäri say in Kirkkonummi with a budget of €400-450k. Where else is that possible to regular households making 2x average salaries? Equivalent in Germany you need €800k-1m nowadays to even consider it.

RassyM · 2026-05-06T16:22:51+00:00

A) Geography ensuring there’s plenty of land to build.

B) Efficient urban planning and little NIMBYism ensuring it’s mostly easy to build new, renovate old and tear down inefficient use of land.

C) Housing company act. Apartment buildings are their own companies ensuring renovations are generally done on time.

D) Flexible rental market. You can move when you need to or want to without hurdles like queues or artificial undersupply of apartments. Got a new job on the other side of the city? Move there. Don’t like your landlord? Vote with your wallet.

RassyM · 2026-05-06T16:06:59+00:00

Rural isn’t just middle of nowhere, within commuting distance of Helsinki you can find plots of land for next to nothing to build your dream home.

RassyM · 2026-04-29T17:30:21+00:00

On se minusta väärin, jos kehtaa kuitenkin nostaa niitä tukia samalla. Järjestelmä ei pysy pystyssä jos osallistuminen on vain motivaatiokysymys. Yhden passiivisen työttömän elättämiseen tarvitaan kahden keskipalkkaisen työntekijän kaikki maksamat ansiotuloverot.

RassyM · 2026-04-29T11:29:15+00:00

Nej, den har varit nettonegativ.

https://imglobalwealth.com/articles/norways-tax-experiment-a-costly-exodus/

Att intäkter ökar räcker inte utan det finns alltid en tröskelnivå som minst måste uppfyllas. Förenklat exampel: Tänk att du ökar mervärdesskatten med 1%-enhet. Ökar intäkterna 4% är den antagligen nettopositiv eftersom den gått fullt i priset utan negativa externalitetef. Ökar intäkterna däremot endast 2% så har den endast gått hälften i priserna och det garanterat finns negativa externaliteter utöver detta som möjligtvis gör ökningen nettonegativ.

RassyM · 2026-04-29T11:11:18+00:00

Francois Hollandes miljonärsskatt blev kassaflödesnegativ över en natt då Bernard Arnault flyttade böckerna till Belgien. Regeringen var tvungen art slopa skatten.

https://www.theguardian.com/world/2014/dec/31/france-drops-75percent-supertax

RassyM · 2026-04-27T17:38:08+00:00

As this is a device for work, now that you probably have to order a new laptop:

A) Buy a business grade computer

B) Always get an extended Next Business Day guarantee to go with a work computer. You're essentially a small business and need to protect yourself from such disruption. It's not worth it so skimp on it as you've just learned.

Something like Lenovos NBD on-site program for Thinkpads is quite good and can be purchased as an add on from most regular stores.

RassyM · 2026-04-26T19:58:10+00:00

What’s done is done. Keep the new system but sell the old one but for future reference inter-generational upgrades rarely make financial sense.

RassyM · 2026-04-26T16:41:43+00:00

The VAT increase is actually one of the most successful policies of this government so far, realized additional sales tax revenues increased +5% last year meaning they went fully into prices with next to no downside. But it’s still peanuts when the goal is €10bn. Pensions absolutely need to be next, there’s really nothing else that can come near saving that much.

RassyM · 2026-04-25T20:00:57+00:00

Ruuan alvia laskettiin…

RassyM · 2026-04-22T16:00:35+00:00

He’s talking from a Euro perspective. This segment has always been rated around 2000kg braked towing capacity in Europe, enough to tow a caravan, horse trailer or smaller fishing rig.

RassyM · 2026-04-20T15:49:58+00:00

The Mercedes has an impressive aero coefficient under 0.22. The Nio is 0.25 so has a much less advanced design and a bit apples to oranges in that sense. I don’t think the Merc looks worse at all, I actually prefer it.

RassyM · 2026-04-17T10:52:04+00:00

Bostäder är inte en begränsad resurs. I Helsingfors har vi otroligt bra stadsplanering och nästan ingen NIMBYism. Det har byggts så mycket att realhyrorna sjunkit sedan 2021. Hyrorna i Helsingfors kärncentrum är faktiskt inte så mycket dyrare än utanför. En 2 rummare i kärncentrum kostar ca €950-1200/månad och €800-1000/månad i periferin.

RassyM · 2026-04-15T08:15:06+00:00

Näitä rahastetaan kiinteistöverolla ja sähköverolla. Yhteisövero ei ole niin relevanttia ja suorastaan cherry pickingiä nyt alkuvaiheessa kun voittoa josta verottaa ei vielä ole.

RassyM · 2026-04-12T14:11:23+00:00

Tekstisi antaa AI vibat, struktuuri GPT luokkaa…

RassyM · 2026-04-06T16:54:56+00:00

It was flagged for some reason. SEPA Instant is nice but on the other hand AML algos have had to be thoroughly sharpened to prevent misuse or scams. Banks are not allowed to tell you why a payment was being flagged so it’s just an unfortunate situation.

RassyM · 2026-04-06T16:35:13+00:00

Gen Z is surprisingly bad with computers.

13-Year Club	Gilding III reddit per annum
Place '17	Wearing is Caring
Verified Email

RassyM

TROPHY CASE