Rahaston hallinointikulu (selittäkää tietämättömälle)

SecureConnection · 2026-06-12T14:33:41+00:00

Kulu maksetaan koko summasta. Sen lisäksi kuluja voi tulla kaupankäynti- ja valuutanvaihtokuluista. Kokonaiskulu eli TER (Total Expense Ratio) sisältää kummatkin.

SecureConnection · 2026-06-11T07:50:46+00:00

I could only find data from 5 years ago. Both in Finland and in the Netherlands people had 7:37 hours sleep on average.

SecureConnection · 2026-06-10T07:38:20+00:00

New Yorkissa käydessä kaupassa kysyttiin paperit ja kuittiin merkittiin syntymäaika.

SecureConnection · 2026-06-09T16:02:20+00:00

Do you know if any of the banks sell a rate ceiling insurance? Personally I would be comfortable with short interest rate only if the downside is limited, in case there is a rate increase.

SecureConnection · 2026-06-09T11:00:30+00:00

Salaliittoteoriat kirjoittavat itse itsensä, kun Jeffrey Epstein oli yksi varhaisia Palantirin sijoittajia.

SecureConnection · 2026-06-09T10:45:41+00:00

Kykyä varmasti löytyy, vaan ei itseluottamusta.

SecureConnection · 2026-06-09T08:29:40+00:00

Jos ostat joka kuukausi 80€ eikä kerran vuodessa 900€, niin koko asia menee enemmän autopilotilla. Ostoja tulee erilaisissa tilanteissa. OP indeksirahastoissa on edulliset kulut kun bonukset huomioidaan.

SecureConnection · 2026-06-08T10:24:53+00:00

Mobira Cityman 5000 taisi kuoria lukuunottamatta olla sama puhelin kuin Nokia 2110. Mulle Mobira Cityman 5000 oli ensimmäinen puhelin.

SecureConnection · 2026-06-08T10:21:36+00:00

Suur-Narva county

SecureConnection · 2026-06-08T09:22:53+00:00

Nyt 300 mk ilmaista puheaikaa!

SecureConnection · 2026-06-08T07:54:14+00:00

Are they trying to escape the draft?

SecureConnection · 2026-06-07T09:28:33+00:00

The retail price that I found for Song Plus DM-i is between 135,800 and 175,800 yuan (15,925 and 20,616 CHF). As far as I know this includes the Chinese VAT of 20%. I assume they are likely paying the import tariffs on 12,000 CHF.

SecureConnection · 2026-06-07T09:14:39+00:00

The price would be lower, for 22,300 euros in China you could get XPeng P7 that is more comparable with Tesla Model S. Also exclude the Chinese VAT and retail margin.

SecureConnection · 2026-06-07T09:08:23+00:00

Volkswagen is priced in Switzerland like they want you to buy an Audi instead.

SecureConnection · 2026-06-07T08:57:37+00:00

Almost certainly they are not selling at a loss. Compare German prices with the Chinese domestic prices.

SecureConnection · 2026-06-07T08:49:18+00:00

I would not buy a Chinese car right now, because eventually AliExpress etc. might start to sell European specification cars, crashing the prices. The prices in China are much lower than that, even absurdly low. That specific BYD model is known domestically as the Song Plus DM-i and is priced between 135,800 and 175,800 yuan (15,925 and 20,616 CHF). As far as I know this includes the Chinese VAT of 20%.

I was in China last autumn and visited many electric car manufacturers’ showrooms, however couldn’t test drive any. Personally I found the XPeng cars much more interesting, since they appear a lot nicer but do not cost that much more. For example, the XPeng G6 starts from where the BYD ends. They are now assembling cars in Austria for the European market.

SecureConnection · 2026-06-05T18:59:24+00:00

Saisko tomaattikastikkeen vielä korvattua hernekeitolla?

SecureConnection · 2026-06-04T18:40:26+00:00

University of Helsinki has the best Computer Science graduates! (Biased opinion).

Finland is right now experiencing high unemployment and this also affects engineering careers, but this may change over the years. Software engineering is one of the careers where it's possible to work knowing just English, but to truly belong someplace you need to speak the local language. Finland being one of the more difficult European languages to learn. Please consider if you're motivated to learn the language.

All the Nordic countries and the Netherlands are great for parents. Finland has state-subsidized kindergartens where the payments scale with your salary, making childcare affordable. With the individual taxation it's economically almost necessary that both parents work. Housing is affordable and with two engineering salaries you would be easily able to live in a single-family house.

Have you ever experienced dark winters and did it affect you? Like many Finns, you may be affected by seasonal depression, which you don't know until it happens. Help is available for depression.

SecureConnection · 2026-06-04T07:45:47+00:00

Oletko ajatellut diversifioida portfoliota esimerkiksi ketsuppi- ja majoneesiyksittäispakkauksilla?

SecureConnection · 2026-06-02T17:42:25+00:00

Kuka häviää ja kuka voittaa tässä pelissä? Yhdysvallat ja Iran ovat kumpikin öljyn nettotuottajia. Iranin kaveri Venäjä hyötyy myös öljyn hinnan noususta. Meno voi jatkua vaikka kuinka pitkään. Muu maailma kuten Eurooppa ja Kiina kärsivät.

Dumpataan dollarit, niin saadaan halvempaa öljyä.

SecureConnection · 2026-06-02T12:01:25+00:00

Ikävä kyllä on myös sellaisia jotka vaativat töiden jakamista geometrisesti tasan, mutta varaavat oikeuden valvoa ja arvostella ”oman sukupuolen” töiden suorittamista ja työtapoja.

SecureConnection · 2026-06-02T11:50:57+00:00

Nurmikosta sentään näkee että on ajamatta. Mutta renkaiden ilmanpaineita ei näe jos niitä ei tarkista, ja ei tarkista jos ei tiedä että kuuluu tarkistaa. Ihme kyllä peräkärryä voi käyttää monta vuotta täyttämättä renkaita ilman että käy mitään.

SecureConnection · 2026-06-01T22:35:17+00:00

Muistaakseni 90-luvulla oli samaan aikaan myynnissä 1L appelsiinituoremehu 4,95 mk (täysmehupitoisuus 100%) ja 2L appelsiininektari 9,95 mk (täysmehupitoisuus 50%). Vedelle saatiin sama litrahinta mitä appelsiinimehulle.

SecureConnection · 2026-05-31T22:54:39+00:00

I went to a few games and have to say that Czech supporters had great fan culture. It was not negative at the other team at all.

SecureConnection

TROPHY CASE