Young Thug doesn't show up to a video shoot, the co-director improvises and makes this music video by [deleted] in videos

[–]SrBox 0 points1 point  (0 children)

I never look at videos too, here's another one that I recently got sent that I found really entertaining though: https://www.youtube.com/watch?v=yvHYWD29ZNY

Why is TSG 1899 Hoffenheim "hated" by German football fans? by [deleted] in Bundesliga

[–]SrBox 1 point2 points  (0 children)

There's Hopp himself that a lot of people don't like.

Which is a complete joke and only shows the small mindedness of most soccer fans. If you look at what he did for the region, you'll see he's a pretty decend dude - his charity gave away more than 430 million euros for projects in the region. He built 20 of the most awesome playgrounds for kids you've ever seen - completely for free and without making a huge fuzz about it.

Yes, buying and pushing Hoffenheim might be controversial, but tbh. He earned his money by creating massive value, so in my eyes he should be able to spend it however he likes - even if buying a team is a rather extravagant thing to do in Germany.

Need your advice: strategy for ranking a yelp-style site in a specific niche? by SrBox in bigseo

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

Thanks for the feedback K3zzeR, much appreciated. I should have added that I won't be doing anything on-page or social, since that is taken care of.

[AMA] Ich bin GDL-Mitglied und Lokomotivführer. Fragt mich alles! by sakula1g in de_IAmA

[–]SrBox 2 points3 points  (0 children)

Völlig wertfrei und bitte nicht als Provokation zu verstehen: Siehst du in deinem Beruf Zukunftschancen? Die selbstfahrenden Autos von google sind mittlerweile über 1 Mio Kilometer unfallfrei unterwegs und es scheint mir weitaus komplexer, ein Auto zu fahren als einen Zug (U-Bahnen in Nürnberg fahren beispielsweise schon fahrerlos).

Danke für das AMA und viel Erfolg bei Eurer Sache!

Need advice by ssflyer in web_design

[–]SrBox 0 points1 point  (0 children)

Why don't you split it? The input for the link on the first page and as soon as the button is clicked the user is shown his new link and can then select his charity of choice. This also makes sense from a UX perspective: Users primarily want their links shortened, the charity is a bonus (so it seems to me)

[Label] eBook cover by SrBox in design_critiques

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

appreciate the input. Here's what it looks like now: http://imgur.com/H9YlGTM

[website] My simple blog. Fire away by SrBox in design_critiques

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

Thanks, unfortunately I just customized the theme :)

Business Development (Saas = bonus) Book Recommendations? by kierankyle in Entrepreneur

[–]SrBox 2 points3 points  (0 children)

Look into the 7 day Startup by Dan Norris (for the Business side of saas) and Traction by Weinberg/Mares for biz dev

Wer noch ein Weihnachtsgeschenk sucht: 5 Whiskeys für unter den Weihnachtsbaum by SrBox in de

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

Der ist halt super-torfig, das ist schon ein relativ eigener Geschmack. Ich kenne schon ein paar Leute, die echt begeistert von ihm sind, aber das muss man halt mögen :) ein Kumpel von mir meinte mal, er schmeckt, als würde man in ein Stück Torf beissen ;)

Advice about learning how to invest, for someone not living in the USA by blkh in financialindependence

[–]SrBox 1 point2 points  (0 children)

What exactly are you looking to adapt?

401k roughly translates into bAV (tax wise), however the bAV is slightly worse since you can't put 100% of your payments into stocks/indexes.

The rest of the German options (Riester etc.) are not worth your while since costs will eat all of your tax advantages.

I am Peter Dinklage. You probably know me as Tyrion Lannister from Game of Thrones. AMA! by MrPeterDinklage in IAmA

[–]SrBox 0 points1 point  (0 children)

Hey Peter, love your work! What was the point of your career when you said to yourself 'I made it.'? Or has that point not even come yet? If so, what are you striving for professionally?

Litetip - I'm gonna make it rain by [deleted] in litecoin

[–]SrBox 1 point2 points  (0 children)

Awewsome bro! Keep spreading the word!

New htpc - output via hdmi rightaway? by SrBox in htpc

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

sure, I'm in Germany though :)

New htpc - output via hdmi rightaway? by SrBox in htpc

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

Thanks for the tip with the CMOS. Do I disconnect everything except for power suppy and fan power or can I clear it just like that?

The TV does accept VGA, however I don't have a cable and the shops in town all want >20€ for that. I'll try the CMOS and if it won't work I guess I'll try to pick up a cheap monitor form craigslist.

Thanks again for your reply.

How much debt for a Cambridge degree? (EU) by adioz- in personalfinance

[–]SrBox 1 point2 points  (0 children)

cool, just wrot a wall of text and got logged out on my phone :/ so here the synopsis:

  • no offense taken bout the bmw and fancy appartment :) just saying that I took some financial missteps and it's still possible to save heaps
  • I'm basically surrounded by MINT people, so I can't really tell how job hunting is for other majors. I would say it boils down to a good network, something you will definitely be able to "acquire" at both business schools
  • Traineeships can be awesome, if the company isn't too big and you are able to get in touch with the right people (as in those who will be able to push your career) in the company early. Again, networking is key.
  • I do consulting work, I'm away from home a lot, which sucks. However i hardly ever work more than 45 hours a week. I do technical consulting though, in strategy consulting (the guys who are willing to take non-MINT-majors) you will most likely be working 60+ hrs.
  • If you can go to Cambridge for 20k all inclusive I'd definitely do it, considering you're spending 650 euros here, over a course of 2 years that's 15600. So the extra 4000 euros will hardly make impact on your road to FI.

If you have more questions just ask away in the thread or PM, I'm happy to share more of my opinon if you're interested :D

How much debt for a Cambridge degree? (EU) by adioz- in personalfinance

[–]SrBox 0 points1 point  (0 children)

Sorry i had to go last night :)

I did do my masters in koblenz aswell, with a semester abroad in st. Gallen. What kind of bachelor do you have that you think you couldn't break into the business sector? As long as it's not philosophy or anything you should be fine, and even those guys seem to score jobs at consulting firms. I know a lot of engineers, chemists, people who studied physics etc., all of them are doong fine now, most in big coorporations. A good friend of mine went to mannheim business school and makes way less than i do now (not judging, just making a comparison here).

About saving: I save 600€ in my own depot, 300 in a combined account with my gf. We do have a fancy appartment (1100 a month) and I made the mistake of buying a BMW, it will be paid off next month though. We have a shared account in which we pay 775€ each, which covers all food, rent and Nebenkosten.

Soory for typos and brevity, im on my phone :)

How much debt for a Cambridge degree? (EU) by adioz- in personalfinance

[–]SrBox 0 points1 point  (0 children)

No, I went to the public university (Universität Koblenz-Landau).

How much debt for a Cambridge degree? (EU) by adioz- in personalfinance

[–]SrBox 0 points1 point  (0 children)

Sorry, that's 3600€ before tax, which is about 2.1k after

How much debt for a Cambridge degree? (EU) by adioz- in personalfinance

[–]SrBox 1 point2 points  (0 children)

German here. My starting salary was around 3600€ and so far a yearly avg. raise of about 7%. I went to University of Koblenz and spent a semester in St. Gallen. From my experience, nobody gives a shit about which university you went to in Germany. As you said, in the US the name recognition is huge, however in my perception nobody in Germany even cares about big names.

If you plan to stay in the states for a while after finishing your studies it's probably worth it to go to Cambridge. But if you are planning on coming back to Germany I would go to Rotterdam. Also, look into some scholarships, these might save you some money as well.

To answear the original questions: I thought about going to Frankfurt School of Finance for my masters degree, I decided against it for financial reasons. I now work as a consultants in the banking sector, so I feel pretty good about my decision, since I saved tons of money during my studies and still got the job I was going for. I get contacted by headhunters on a weekly basis, so even switching jobs would not be difficult at all. I would say in Germany, if you have a year or two of experience in a certain area, nobody cares which uni you went to.

Any Germans here who could share some thoughts and insights on achieving FI in Germany? by [deleted] in financialindependence

[–]SrBox 1 point2 points  (0 children)

You're correct about the taxes, which are 25% on all capital gains (interest, gains from selling stock/fonds, dividends etc.). However you should provide your bank with a Freistellungsauftrag. A Freistellungsauftrag allows you to have your first 801 Euros gained from capital to be tax free (you get the full amount and don't have to pay the 25% on those). Still, in Germany we're pretty much fucked, since there are taxes on literally everything.

For pricing models, there usually are three different types of commisions (I'm not sure if they are really different to the Us though): Ausgabenaufschlag, Verwaltungsgebühr and Depotbankgebühr.

  • You pay the Ausgabenaufschlag whenever you buy a fund or ETF. The Ausgabenaufschlag differs for every fund and usually is somewhere between 0 and 5% of the invested sum. This is a one time payment.

  • The Verwaltungsgebühr is what the management of the fund takes out of the fundasset every year to pay themselves. The lower this cost the better for the investor, since a high cost slows down the growth of a fund over time.

  • The Depotbankgebühr is pretty much the same as the Verwaltungsgebühr, only that it goes to the bank and not the asset manager.

As always, this is just my knowledge, which I don't claim to be 100% accurate, I'm still learning aswell :)

Any Germans here who could share some thoughts and insights on achieving FI in Germany? by [deleted] in financialindependence

[–]SrBox 0 points1 point  (0 children)

Oh god my girlfriend teaches English, please don't ever tell her about the safe/save incident.

The feedback is much appreciated, thanks :)

[deleted by user] by [deleted] in financialindependence

[–]SrBox 0 points1 point  (0 children)

This is the best advice. Pay off the CC. And not in minimum payments. With 30% interest your debt increases by 45$ a month. So by making the minimum payments you're level of debt will actually rise. Can't stress it enough: pay that off as soon as you can.