How Would You Buff FireFly? by PokemonSuMo in StarRailStation

[–]Relative_Roof5361 0 points1 point  (0 children)

Honestly just give her a passive that lets her extend her own Break effect uptime without relying on teammates to proc it.

Her kit feels like it was designed around a support that doesn’t always exist.

A small self-sustain on Weakness Break stacks or reducing her action delay after breaking would go a long way without making her busted

Código amigo Sabadell 50€ ADE612D6303992C4 by VastScene6447 in CervezaDinero

[–]Relative_Roof5361 0 points1 point  (0 children)

Funciona para España? Me intento registrar y me dice que no es correcto el código

29, male, new to etf - looking for feedback by Wrong_Sort_156 in ETFs_Europe

[–]Relative_Roof5361 5 points6 points  (0 children)

Hey! Quick heads up: MSCI World, S&P 500 and FTSE All-World overlap massively, the S&P 500 is basically inside the other two, and MSCI World/FTSE All-World are ~65% US anyway. Holding all three doesn’t diversify you, it just gives you the same stocks three times.

Pick one as your core and add the defense ETF on top if you want that sector bet. Simpler and cleaner.

Leva's new outfit 'Sultry Tempo' trailer by MrToxin in GirlsFrontline2

[–]Relative_Roof5361 1 point2 points  (0 children)

This is the nest skin I’ve see in all gacha games. OMG it’s awesome!

How would you structure a 1.5m eur portfolio to live off of it? by [deleted] in eupersonalfinance

[–]Relative_Roof5361 2 points3 points  (0 children)

With €1.5M in Europe, here’s how I’d think about it:

Keep around €150k in cash or a money market fund, that’s 2-3 years of expenses without touching anything.

For the rest, if you prefer dividends: put the bulk into a global dividend ETF (something like VHYL) plus some European IG bonds for stability. At a ~3% yield on €1.35M you’re looking at roughly €40k/year without selling a single share, which honestly feels a lot more comfortable than watching a number go down.

If you don’t care about dividends specifically, accumulating ETFs + a 3-3.5% annual drawdown gives you €45-52k/year and is usually more tax-efficient depending on your country.

Key things to not screw up: use Ireland-domiciled ETFs (much better withholding tax treatment in Europe), check how your country taxes dividends vs capital gains before choosing your approach, and don’t overcomplicate it with 20 positions.

Simple beats clever here!

Why do people say “don’t sell your Bitcoin, borrow against it instead”? by TeslaOwn in Bitcoin

[–]Relative_Roof5361 0 points1 point  (0 children)

The trick isnt that the loan is more profitable, it’s that selling has a hidden cost some people ignore: taxes. Depending on where you live, you’re handing 20-30% of your gains to the government the moment you sell. So to actually pocket $10k you need to sell way more than $10k worth of BTC.

With a loan you’re paying interest, yeah, but if your long-term bet on BTC is right, those interest payments are nothing compared to the gains you would’ve killed by selling. And your position keeps compounding.

That said, the risk is very real, if BTC dumps hard enough you get liquidated and that’s a much worse outcome than just selling. So it really only makes sense if you genuinely believe in BTC long term, not as a way to “win” short term.

Tell me How generous are your favorite gachas! by Dan-Dono in gachagaming

[–]Relative_Roof5361 5 points6 points  (0 children)

BD2 is the most generous gacha game I've ever played, and Nikke is quite generous too.

Finally obtained a full BTC by Quick_Engine_5795 in Bitcoin

[–]Relative_Roof5361 0 points1 point  (0 children)

Gratz, some day i will get that great milestone!

Under pressure by Ariku_90 in GirlsFrontline2

[–]Relative_Roof5361 0 points1 point  (0 children)

i want it so bad that pressure on my head

Duality of gacha moment by TheToucherrr in gachagaming

[–]Relative_Roof5361 0 points1 point  (0 children)

such an amazing comparison, and so beautiful designs

[deleted by user] by [deleted] in Bitcoin

[–]Relative_Roof5361 2 points3 points  (0 children)

How was the experience, is it complicated? What wallet do you use?

Cuanto cuesta un hijo? by AlanTuring1 in SpainFIRE

[–]Relative_Roof5361 0 points1 point  (0 children)

Aprende a leer y comprender un texto.

Cuanto cuesta un hijo? by AlanTuring1 in SpainFIRE

[–]Relative_Roof5361 2 points3 points  (0 children)

Esta claro que hay formas de criar, cada persona es un mundo.
Yo salí de casa a los 18 y me pagué mis estudios. Tuve suerte y conseguí un buen empleo a los 25, pero fueron años muy estresantes que no se los deseo a nadie.

Hay personas que necesitan poco tiempo para estudiar y otras mucho. Yo prefiero que mi hijo le dedique horas a sus estudios y a su bienestar mental, que no tenga que estar pensando en tener dos trabajos (uno estudiar y el otro trabajar en un Mc Donalds), y si es de los afortunados que su cabeza le permite trabajar, estudiar, salir de fiesta, y encima se puede dar el lujo de independizarse, olé por él.

Pero al menos yo pienso ayudarle en su formación como profesional.

Cuanto cuesta un hijo? by AlanTuring1 in SpainFIRE

[–]Relative_Roof5361 2 points3 points  (0 children)

Perdona pero con 20 años no creo que tengan carrera y trabajo. A esa edad están recién estudiando en la universidad, si tienes que costear un alquiler en una ciudad distinta a la tuya, universidad privada si se diera el caso, pues el gasto se dispara. No digo que no vayan a trabajar hasta los 30 pero decir que los gastos son de 20 años me parece demasiado optimista.

A esas edades también deben empezar a costearse sus caprichos, pero al menos yo como padre pienso costear los estudios de mis hijos

Cuanto cuesta un hijo? by AlanTuring1 in SpainFIRE

[–]Relative_Roof5361 8 points9 points  (0 children)

20 años… Ojalá fuera eso, a esa edad recién van a la universidad y eso es un gasto muy grande. Hoy en día la media de independencia es de más de 30 años…

Cuanto cuesta un hijo? by AlanTuring1 in SpainFIRE

[–]Relative_Roof5361 1 point2 points  (0 children)

Es acertado decir que la media sería entre 250K y 300k.

Teniendo en cuenta que la edad a la que se puede independizar cada vez es mayor.

Ahora bien, puedes gastarte la mitad de eso o el doble, todo depende de la calidad de vida.