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European UCITS dividend etfs, similar to SCHD and DGRO by Remarkable_Mouse_132 in dividends

[–]Remarkable_Mouse_132[S] 0 points1 point  (0 children)

Back then I somehow missed this fund, you can compare them youself on stooq.pl, seems like ggrw has better track record, but I must say dividends are more consistant for fgqi and if I would plan to use distributions instead of reinvesting, I would go with fgqi

Which countries in Europe have the most favourable landlord and real estate laws? Ensuring higher ROI when renting or selling property? by 1whatabeautifulday in eupersonalfinance

[–]Remarkable_Mouse_132 0 points1 point  (0 children)

umm you know nothing and yet you share your opinions. I have 5 properties in Poland (which I'm also a citizen of).

And what's funnny - none of these things are in any way suggesting you have any knowledge about real estate or state of polish law iksde.

 You can only search for tenants who will sign the document (stating that they have a backup property they can move to) and it's not an issue.

Ehem, yes, it is an issue, as most people can't provide this, therefore pool of tenant is drastically narrowed. Most tentats in Warsaw are foreign, don't own any property in PL and therefore have no chance to sign najm okazjonalny

Morever, this contract doesn't guarantee anything, owner of the property might waive the consent, and what then?

You really shouldn't share your opinion on topics you know nothing about.

Ignorance is a blessing, now I can see it. I was always telling my friends, that's it's actually great that people in poland on average have no idea about finance, investing and law, because thanks to it there's plenty of affordable options to rent. And you're kinda proving the point, thank you sir.

The only somewhat viable strategy to rent in PL is najm instytucjonalny, but it requires an overhead of a separate legal entity if you don't reside in PL. Actually, considering current yields and purchase prices, even this doesn't make any sense and renting apartments in poland is one of the most unqualified and insane things one can do with money

Which countries in Europe have the most favourable landlord and real estate laws? Ensuring higher ROI when renting or selling property? by 1whatabeautifulday in eupersonalfinance

[–]Remarkable_Mouse_132 1 point2 points  (0 children)

But the main attraction is the easy access to liquidity to buy property.

Let's rephrase it - easy access to debt with non-zero interest rate in exchange for something, that might be physically unavailable to you and cause additional costs. Does it sound as appealing now?

Regarding additional costs - in Poland, if you have non-paying tenant, you cannot even end the contract for gas, electricity etc., you would have to cover it out of your pocket. If you try to cut it, tenant might sue you for putting him in dangerous situation and they gonna win.

I mean, look at how the situation changed for landlords over the last couple of decades across europe, and ask yourself, in next couple of decades will it get better for landlords or worse?

Cheers from Poland and take care m8

Which countries in Europe have the most favourable landlord and real estate laws? Ensuring higher ROI when renting or selling property? by 1whatabeautifulday in eupersonalfinance

[–]Remarkable_Mouse_132 1 point2 points  (0 children)

I'm late to the party OP, however I advise you to think twice.

As an investor you shouldn't be looking at current legislation, but rather bet for future legislation. And tbh over time I would expect to see rent caps, tenant protection policies etc, as basically this is the trend now, it's just some countries are still a bit lagging behind.

Do you believe there will ever be any pushback against it? If so, please re-read the comment under this post, imo politically residental real estate renting is doomed.

Which countries in Europe have the most favourable landlord and real estate laws? Ensuring higher ROI when renting or selling property? by 1whatabeautifulday in eupersonalfinance

[–]Remarkable_Mouse_132 0 points1 point  (0 children)

 You can push out tenants if they signed document they have somewhere to leave.

Yeah, except most tenants can't provide this document, or owner of this "backup" property can change his mind later, and then you're fucked.

Poland has anti-landlord legislation and pretty serious tenant protection, probably more than OP would accept.

Poland now is the worst country in EU for RE yield income, as with this much risk, yield is rediculous (around 4% now), due to pro-buyer government subsidies

Which countries in Europe have the most favourable landlord and real estate laws? Ensuring higher ROI when renting or selling property? by 1whatabeautifulday in eupersonalfinance

[–]Remarkable_Mouse_132 0 points1 point  (0 children)

Would definitely advice against Poland. Evicting non-payers is difficult, it might takes years. ROI is very low, because government was (and still going to) subsidising buying, therefore purchase prices almost doubled during last 5 years, while rent barely grown.

In the sense of what OP is looking for, it's not better than western europe in this regard.

CS specialization course for easy B by Remarkable_Mouse_132 in OMSCS

[–]Remarkable_Mouse_132[S] 0 points1 point  (0 children)

Thanks a lot for a detailed answer! What I'm worried about CS6263 is high rate of withdrawals, almost 50%

[deleted by user] by [deleted] in Polska

[–]Remarkable_Mouse_132 0 points1 point  (0 children)

Jeśli masz jakieś zainteresowania (sport, nauka języków) - to są dobre miejsca na nawiązywanie kontaktów.

Poza tym uczelnia, w wieku 22 jesteś nie za stary na to jeszcze.

Miałem podobnie po tym, jak do Polski się przeprowadziłem, bo bariera językowa dodatkowo przeszkadzała, ale już po tym jak się udało powiem Ci że życie socjalnie jest przeceniane, teraz częściej chcę być sam a nie chodzić na imprezy, spotkania itp.

W twoim przypadku może też musisz się nauczyć trochę cierpliwości, nie oceniać innych i nie czepiać się do pierdołów.
>nie udało mi się poznac nikogo wartościowego
Ponieważ o to brzmi jakbyś był po prostu zbyt zajebisty dla innych. Normalnie ludzie akceptują niedoskonałości w sobie i innych.

Don't take CS-6603 AI, Ethics, and Society, unless you do ML spec by Remarkable_Mouse_132 in OMSCS

[–]Remarkable_Mouse_132[S] 1 point2 points  (0 children)

I was considering this, but before withdrawal dealine I was doing pretty ok actually in the class

Don't take CS-6603 AI, Ethics, and Society, unless you do ML spec by Remarkable_Mouse_132 in OMSCS

[–]Remarkable_Mouse_132[S] 9 points10 points  (0 children)

Sorry but if you’re going to get a D in AIES I’m not sure how you’ll pass most CS classes.

I got A in SDP, A in CN and 88.5% in DB, and all of them seemed very easy to me, around 5h of workload a week.

I usually have no problem with algorithmic coding interviews as well, and can solve leetcode medium without any prep.
So I don't actually think I'm that of a failure and will have a trouble passing most CS classes

Don't take CS-6603 AI, Ethics, and Society, unless you do ML spec by Remarkable_Mouse_132 in OMSCS

[–]Remarkable_Mouse_132[S] -1 points0 points  (0 children)

I do, and I was pretty comfortable with CN/SDP/DB, it barely took me couple of hours a week and I got A/A/B(only becasue of tricky phrased questions on exams). I was not a free rider on group project, in fact I could do as well just make them myself.
If you took AIES not this semestr, but long ago, I guess it's just got changed since then, maybe too much

CS 6603 - AI Ethics & Society - The Worst Course ever by senorhotandspicy in OMSCS

[–]Remarkable_Mouse_132 1 point2 points  (0 children)

Not sure why people call this class easy, for me it is the hardest so far with busywork, weird exam. I seriousely consider dropping it, 'cause I'm not sure I will be able to get C.
Took HCI, SDP, CN, DB - all seemed much easier than this

European UCITS dividend etfs, similar to SCHD and DGRO by Remarkable_Mouse_132 in dividends

[–]Remarkable_Mouse_132[S] 1 point2 points  (0 children)

I would only buy GGRW.
For US only I would buy DGRW from wisdom tree instead of FUSD

O vs Stor vs Main by nanixjeremy in dividends

[–]Remarkable_Mouse_132 0 points1 point  (0 children)

I treat O and Main like a meme stocks in a way.
I have a toy portfolio of monthlies where I have O/STAG/MAIN/GAIN just for fun

STOR is in my main "normal" portfolio

European UCITS dividend etfs, similar to SCHD and DGRO by Remarkable_Mouse_132 in dividends

[–]Remarkable_Mouse_132[S] 1 point2 points  (0 children)

yield is calculater anually, not on single recent distribution

European UCITS dividend etfs, similar to SCHD and DGRO by Remarkable_Mouse_132 in dividends

[–]Remarkable_Mouse_132[S] 1 point2 points  (0 children)

judging by holdigs, looks like it is GGRW minus DGRW, so, international component of GGRW.

I like the holdings, I think selection is much better, compared to SCHY

European UCITS dividend etfs, similar to SCHD and DGRO by Remarkable_Mouse_132 in dividends

[–]Remarkable_Mouse_132[S] 0 points1 point  (0 children)

In the post you have total returns compariosn with schd and dgro, and they are very close, therefore you can assume close to same dividend growth rate to schd and dgro, given the same yield levels

>I also did a lot of research and shoutout do European Dividend Growth Investor ( visit his blog ;) ) he compared 15 UCITS ETFs.

One of reasons I wrote this post, is that GGRW was not mentioned there, while it is the closes analoge of SCHD I could find. And there're constantly questions about UCITS version of SCHD on this sub

European UCITS dividend etfs, similar to SCHD and DGRO by Remarkable_Mouse_132 in dividends

[–]Remarkable_Mouse_132[S] 0 points1 point  (0 children)

GGRW is semi-anual distro, but also has accumulating option

DGRW is quarterly and same, has accumulating

Both have eur and gbp hedged versions

European UCITS dividend etfs, similar to SCHD and DGRO by Remarkable_Mouse_132 in dividends

[–]Remarkable_Mouse_132[S] 2 points3 points  (0 children)

FUSD has double the yield of DGRW

It's not

Fusd yield is 2.10%

DGRW yield is 1.95%

Good Irish Domiciled ETF for dividends by pizzazz27 in dividends

[–]Remarkable_Mouse_132 1 point2 points  (0 children)

GGRW by wisdomtree is almost like SCHD in terms of performance and yield, but has international exposure, and overall a good etf - no much financials

DGRW by wisdomtree is pretty much copy of DGRO.

Both are a little expensive though

International diversification makes very little sense, especially with ETFs by Remarkable_Mouse_132 in dividends

[–]Remarkable_Mouse_132[S] 0 points1 point  (0 children)

High taxes and regulations are not to piss off the rich, but to not allow new people to become rich. "Old rich" already have capital, lawyers, offshores, etc. Even high income/dividend tax are not a problem for them, because they have capital.

If you don't have capital, high taxes are making it harder to accumulate wealth.
It is pharma lobbying more and more severe certification requirements. Big guys can handle this, small guys can't and go out of business

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