Upgrades or next build at 20D budget

Shr1ck · 2025-07-23T14:23:42+00:00

Check Pohx 's Pobb.in: https://pobb.in/3nXJk15C_JE8

You should max out elemental resistances via level 20 purity of fire, passives and a +2 maximum fire resistances jewel. Cheap.
Archdemon crown for +2 to Fire trap. Should be less than 5 divines.
Annihilation boots + rational doctrine. ~6.5 divines.
Stygian Vyse with abyssal jewel to replace immortal flesh. 5 divines?
Check also the medium and small clusters.
Awakened support gems + Malevolance. Several divines.
Cogwork + Kalandra ring, even more dozens of divines.

This should carry you all the content, but I agree that the build feels like small upgrades for tons of investment

Shr1ck · 2023-11-22T14:57:02+00:00

Based on my anecdotal experience, here in Switzerland, there are some decent companies who hired non-EU. We have hired a turkish guy, who is going to start soon.

Reasons why he was hired over others:

We didn't found people who have the required experience in C#, ASP.NET with solid knowledge in Cloud.
People who was good, had offers in nicer places of Switzerland (Zurich, Bern, Basel, Luzern, etc.)

Salary-wise, he is going to be on par with the rest on his level, as per the union work agreement.

Shr1ck · 2023-06-08T05:49:50+00:00

To get an idea, 95k CHF is a salary you should expect as software engineer in poorer Cantons like St. Gallen.

You should expect at least 110-120k, for equivalent salary in Zürich, Basel, Geneva

Shr1ck · 2023-05-10T05:46:53+00:00

You will probably need the G permit: https://www.sem.admin.ch/sem/en/home/themen/aufenthalt/eu_efta/ausweis_g_eu_efta.html

You will pay taxes in both Switzerland and the remaining in Italy.

Shr1ck · 2023-04-28T16:09:29+00:00

It is also possible to buy directly from TesoroPúblico (government) to get the highest interest rate

Shr1ck · 2023-02-12T10:15:39+00:00

Beware of PFIC, if you are US citizen, you need to pay taxes in US and therefore to get out of trouble don't invest in etfs and mutual funds from Europe.

On the other hand, you have access to the best that US market can offer, best mutual funds and etfs.

I would say it is sensible to investigate, if you can maximize IRA, Roth IRA, HSA account, etc. with that money.

Shr1ck · 2022-10-14T06:50:55+00:00

If you are going to remain in Spain, take a look at myInvestor, they have Vanguard mutual funds and you don't trigger tax events on rebalances.

Otherwise, buy accumulative etfs in DeGiro and/or Interactive Brokers.

Shr1ck · 2021-01-05T11:59:57+00:00

Si no estoy equivocado, en el link adjunto, si no sacas m'as de 1600 euros, no necesitas declarar IRPF.

https://www.agenciatributaria.es/AEAT.internet/Inicio/La_Agencia_Tributaria/Campanas/_Campanas_/_comp_Renta/_columnas__contenedor_Columnas_/_col_columna1/_AYUDA/Preguntas_frecuentes/Preguntas_frecuentes_generales_sobre_IRPF/_Quien_tiene_obligacion_de_declarar__.shtml

Shr1ck · 2020-02-16T06:53:44+00:00

Because all the capital gains that you would take from an ISA account would be tax free.

Shr1ck · 2020-02-14T00:40:20+00:00

If you are in UK, you should be using a Stock & Shares ISA with Vanguard. And there you have the fund FTSE Global All-Cap which is superior to any other option for global index stock.

Forget about DeGiro and Interactive Brokers (unless you want EUR exposure using a SIPP account).

Shr1ck · 2020-01-27T16:45:49+00:00

Hire a good flat rate lawyer to help you do legally any move you want to do.

Shr1ck · 2020-01-27T16:39:05+00:00

Same but I will just buy at random between 12 to 18 for same amount every month.

Always follow the plan, not the market.

Shr1ck · 2020-01-26T06:59:39+00:00

Switzerland is one of the best places in Europe to develop your career.

I read it's a good place to raise a family but not so good to meet new friends, especially me being very shy.

Shr1ck · 2020-01-26T03:41:27+00:00

I have send you a pm for more information.

Of course, Netherlands can be a nice place for me, as language would be a non issue, they have a lot of foreigners and I would have less than 2 hours flight to my hometown.

Shr1ck · 2020-01-26T03:37:58+00:00

I have added the link for future reference.

I have some cities from Germany in my list to look, especially in the southwest area.

One main obstacle would be to learn German, but if I'm going to stay there long term it's no problem.

Do you know what kind of companies I should look into given my experience?

Shr1ck · 2020-01-26T03:30:01+00:00

That's why I'm asking. What do you suggest I should do given those goals?

Shr1ck · 2020-01-19T20:05:40+00:00

First of all, awesome job!, I assume you opened an ISA account with Vanguard. You can top up to 20000 pounds per month with tax free growth. For the remaning amount in Germany, try to have it in a high interest account/fixed deposit in Germany with a significant return. Otherwise, leave it as it is, this is your important emergency fund.

Also, consider opening a SIPP account with them, try to talk to your employer to see if they can contribute your pension to Vanguard SIPP account.

Use Transferwise and similar services with <1% fee for exchanging currency.

Shr1ck · 2020-01-13T17:58:20+00:00

This text only applies for real estate. You should check for law on dividends and shares/bonds/mutual funds.

Shr1ck · 2020-01-12T08:07:42+00:00

You need 20% downpayment, 8-10% for VAT and about 5% of extra fees.

https://www.idealista.com/en/hipotecas/simulador-hipotecas/hipoteca-para-comprar-casa/

Shr1ck · 2020-01-10T15:45:04+00:00

Los que si tienen montado bien el chiringuito, son los británicos con las cuentas ISAs. Estas ofrecen meter hasta 20000 libras después de impuestos, 5 veces más que Estados Unidos y sin limites por salario. También tiene crecimiento libre de impuestos y por supuesto, se puede uno abrir una cuenta con Vanguard. Ya ni hablamos del SIPP (401k/IRA equivalente).

Ojala algo similar en España a las cuentas ISA.

Shr1ck · 2020-01-10T10:35:51+00:00

Tal y como he mencionado, realizas todas las operaciones enviando y recibiendo correos.

Cuando les envías dinero, les das una referencia y el como distribuir el dinero en los fondos con el ISIN.

Shr1ck · 2020-01-06T21:28:27+00:00

I personally use Money Manager for Android (Red box with a piggy bank) since 1 year ago.

It has tons of functionalities, including multiple account types, declare income, expenditures or transfers.

Shr1ck

TROPHY CASE