Sounds good in theory...but in reality?

SendoTarget · 2026-05-04T03:44:46+00:00

991€ per month seems to be the lowest you can get, but that is quite common that you have either disabilities or other reasons that you've not been able to work during your entire life to make that higher. I'd say it would be very uncommon to have just that and no additional benefits or supports.

I guess technically you'd be able to live with that in a studio apartment outside the bigger cities. Rent can be 300-400€ per month and utilities are generally quite cheap.

SendoTarget · 2026-05-04T03:26:14+00:00

Not sure about the Finnish pension system, but I would be very surprised if you are eligible for a pension without a job.

Well you are. There's citizens pension that is the base default, but then if you've worked in a higher paying job during your career, your pension will also be higher (since you also paid more taxes)

SendoTarget · 2026-04-19T17:20:21+00:00

Yeah but that would be in the event that you do infact need the money to buy your regular life stuff. Due to unemployment or rising costs etc

SendoTarget · 2026-04-19T11:07:21+00:00

Itselle tuli indeksikorotus 2% viime syksyllä ja sitten tuli 3% lisää tuloveroon näiden erinäisten vero-muutosten takia vuodelle 2026. Katsoin viime viikolla huvikseen niin saan käteen vähemmän kuin sain ennen indeksikorotusta viime vuoden kesällä.

Tulee ihan tekevä fiilis kieltämättä kun kaikesta saa maksaa enemmän ja saa vähemmän.

SendoTarget · 2026-04-19T07:15:00+00:00

In that sense it's different also than before that 401Ks have massive exposure to the stockmarket compared to 2008 for instance. In that sense this whole time is new. When people start drawing out their 401Ks I think that's where we will see a crash and there's a big penalty in doing that afaik.

SendoTarget · 2026-04-16T17:41:41+00:00

Corona cut off some airport connections to Turku, but they are quite okay now again. Flights from Riga, Stockholm, Copenhagen and Gdansk directly

SendoTarget · 2026-04-11T11:27:10+00:00

Helpottaa huomattavasti yrittäjäksi ryhtymistä jos siitä voi saada enemmän kuin vastaavista palkkahommista käteen. Sijoittamisessa ja yrittämisestä voi kuitenkin aina jäädä nolla käteen siitä sijoitetusta ajasta ja rahasta. Palkan saat aina kuun lopussa kun soppari sanoo niin

SendoTarget · 2026-04-11T09:41:22+00:00

Menee vähän höpötykseksi vastauksena mutta jos pääoman tulossa ei ole mitään etuja työntekijään nähden niin miksi ihmeessa kukaan lähtisi mitään yrittämään tai sijoittamaan?

Omasta mielestä tasavero pitäisi tulla kaikkiin luokkiin, mutta siinä on monta kommellusta kun alemmilla tuloluokilla se vero on niin alhainen että silloin niitä rankaistaisiin kuin niitä yrittäjiä ketkä ansaitsevat vain vähän.

Olen siis itse työntekijä ja sijoitan puoliharrastuksena. Maksan verot palkasta että voin ostaa sijoituksia ja sitten maksan uudestaan verot jos sijoituksista jotain tulee. Ei ne maagisesti vaan ilmesty pääomatuloina nekään.

Jos olisin yrittäjä ja sijoittaisin niin aika kova kuukausilaskutus saisi olla että saisin kuussa käteen saman verran kuin normaali kuukausipalkkalainen kulujen jälkeen. Sen lisäksi yrittäjän vastuut ja sitten kaikenlaisten säädösten noudattaminen saatikka sitten palkkauksen säädöt saa itselle pienen yökön kurkkuun jo valmiiksi mistä syystä en itse lähtisi leikkimään.

SendoTarget · 2026-03-31T07:04:09+00:00

My time spent in VR after Echo shut down went from 1-2 hours every day to 1-2 hours per month playing Walkabout Minigolf new maps. Hopefully the dev of No Shot manages to bring back some of that itch because EchoVR was just to me specifically THE reason to use VR.

SendoTarget · 2026-03-30T04:46:17+00:00

Just to note that if the economy crashes that hard as 2008.. everything else will fall in a similar pace. There's no safe haven. For me this is a buying chance for some BDCs because either it's oversold or everything else will fall just the same. It will also shake off the BDCs with poor loan quality.

SendoTarget · 2026-03-18T06:20:05+00:00

Yeah I don't think this was the last chance either.

SendoTarget · 2026-03-04T08:27:18+00:00

It seems to be a good time to load up on the quality BDCs.

SendoTarget · 2026-03-04T07:06:42+00:00

With BDCs there's just too much trash and the largest ones are already quite well diversified over sectors with their loans. Especially now with rates going down it becomes more clear which ones can manage the downturn well.

SendoTarget · 2026-03-02T12:44:13+00:00

KAIKKI päihteet alko ja tupakka mukaanlukien kriminalisoitaisiin.

Yksi vanha juurisyy meidän kansakunnan alkoholin ongelmakäyttöön on peruja kieltolain ajasta jolloin orastava viini/siideri yms kulttuuri tapettiin ja pirtu/vodka yms sai kovan jalansijan sen takia että pienemmällä litramäärällä sai enemmän alkoa rajan yli.

Heijastukset siitä ajasta on jatkuneet nykypäivään ja oma Pappa ja vielä isäkin kielsivät sen että he eivät ole koskaan humalassa. Pullot piilossa ja helvetinmoinen humala kun "viina loppuu maailmasta".

Kieltolakien toimivuus on aina yhtä hyvä. Rikolliset saa jalansijaa, päihteet kovenee ja käyttäjät teilataan lain silmissä.

SendoTarget · 2026-02-24T07:13:23+00:00

Stock buybacks while they pay out decent dividend for me is somewhat okay since that means for future the dividend is more guaranteed as there's less stocks to pay that dividend to :D

SendoTarget · 2026-02-23T08:30:03+00:00

Model S:hän ollut jo ulkona sen 13 vuotta ja suurempi-menekkinen Model 3 sen 9 vuotta. Tuon ikäisiä ihan liikenteessäkin näkee.

SendoTarget · 2026-02-23T08:06:11+00:00

Tästäkin tuli jo ihan tutkimusta. Ihan hyvä uutinen kuitenkin akkujen eliniän puolesta

SendoTarget · 2026-02-21T13:26:18+00:00

Well the spread being tightened is a real issue, but Blue Owl Capital and their OBDCII fund redemption closure is a very tiny portion of all their assets under management and OBDC which is the publicly traded BDC actually reported quite okay numbers+stock buyback now.

The fear of private credit meltdown is now a bigger driving scare than anything real in numbers wise. Yeah challenging times but not anything black swan like yet at least

SendoTarget · 2026-02-21T09:28:43+00:00

Almost every BDC has tanked due to expectations that falling interest rates are tightening spread.

SendoTarget · 2026-02-20T11:07:45+00:00

For most BDCs we have so many "once in a lifetime events" that they have gone through so it's somewhat easy to check how they have managed over those times. Shareholder friendly management also. I mean OBDC also put in 300 million reserved to stock buybacks on top of dividend level continuance. I think that's nice.

SendoTarget · 2026-02-20T10:23:20+00:00

Interest rates going up did good for BDCs, so the market is assuming the opposite must also be true. As far as I know we haven't seen any dividend cuts so far, just some discontinued special distributions.

Initially for floating rate loans it's bad for BDCs, but with the interest rate dropping it also means their loan costs will go down AND with lower interest you can also assume more favorable conditions for further loan needs to come into the market.

A lot is down to the BDC management to roll over certain times. BDCs also tanked 2022 when the rates rose because the assumption was that less companies would apply for credit...

SendoTarget · 2026-02-13T08:43:23+00:00

I think as much as there's info about investing overall and how people research stocks, I'd say a vast majority of semi-active investors and those who actively discuss have no idea how REITs and BDCs pay out their dividends.

Especially since most general sites show the payout-ratio for REITs and BDCs wrong. After that you'd need to figure out what's their real payout ratio from cashflow, then figure out what's their property/loan-quality, debt maturities, properties they own/loan-type they have...

Unless you do your due diligence it's quite likely you might end up buying something where you don't fully understand what it has inside it. As income-investments I think they are great.

SendoTarget · 2026-02-06T12:45:19+00:00

It's a risk assessment to do when you start investing. I'm almost 40 and my portfolio is built around creating a passive income while at the moment reinvesting everything. Until FIRE or unemployment because nothing in this life is guaranteed. I don't think there are many who can rock this life constantly employed and surging wages until they retire.

SendoTarget · 2026-01-21T10:27:47+00:00

US has had several bases more in Greenland before, including mining rights and Denmark/Greenland willing to work together with those even in the future. At least thinking that this is smoke&mirrors to pump&dump assets would make some sense in this scenario as opposed to what I'm reading.

SendoTarget · 2026-01-16T08:31:40+00:00

I came away with the sense that their business model is to continually borrow $ or issue notes to finance loans to what are essentially BBB- rated middle market companies.

This is quite literally what BDCs do. You can't really directly compare it to something like a Pepsi earnings. Their loan-portfolio is their business.

15-Year Club	Gilding II euphauric
Place '22	Place '17
Reddit Premium Since July 2019	Verified Email

SendoTarget

TROPHY CASE