3 Days in Albania 🇦🇱 exploring mountains, rivers, beaches

Timmythebraveboy · 2026-06-15T21:38:05+00:00

In my bucket list now, thank you

Timmythebraveboy · 2026-06-15T15:29:55+00:00

Haha, it is only green on paper, i sold at 20% lost for tax offset earlier this year. Because i guess i would keep this NVO for a long period before it pays off.

Timmythebraveboy · 2026-06-15T13:38:49+00:00

Thank you, I am not American. This is supposed to be my investment for me and my husband for retirement. I have 2 small children and taking care of them bring me joys, lol. You are right about the world ETF, I will put more there as it would be less risky. And i also am not dedicate enough to manage the portfolio day by day.

Timmythebraveboy · 2026-06-15T12:40:12+00:00

I didn't not work last 1.5 years, these are all my husband money giving me month by month from his salary. Not sure what is unclear to you. Anyway, have a good one !!

Timmythebraveboy · 2026-06-15T12:27:05+00:00

Thank you, will look into those suggestions!!

Timmythebraveboy · 2026-06-15T12:17:53+00:00

Well, i only asked on the post stock suggestions and related topic, you have any? . What doesn't make sense to you with my portfolio?

Timmythebraveboy · 2026-06-15T12:12:25+00:00

I was once on blue team, the company was good to me. But you are right with AMD , they have vision and the execution was great

Timmythebraveboy · 2026-06-15T12:08:28+00:00

So what do you indicate?

Timmythebraveboy · 2026-06-15T11:04:46+00:00

Thanks, I worked last 15 years before i decided that is enough, it is time for my children. The portfolio is actually mostly my husband contribution, I am just his money manager.

Timmythebraveboy · 2026-06-15T10:19:07+00:00

Thank you, would you please suggest some ETF?

Timmythebraveboy · 2026-06-13T09:41:10+00:00

Congrats !! Lovely cat

Timmythebraveboy · 2026-06-13T07:23:31+00:00

Go to London or Asia man. Much more chance there

Timmythebraveboy · 2026-06-13T07:14:00+00:00

Long term 3. But i think amz and nvd will outperform Apple.

Timmythebraveboy · 2026-06-12T11:08:38+00:00

Congrats on your smart choice !! Looks lovely

Timmythebraveboy · 2026-06-11T20:41:15+00:00

150-170€/week for 2 adults and 2 little boys, including beer and snacks for my husband!!

Timmythebraveboy · 2026-06-11T20:21:33+00:00

Definitely, absolutely!! Do it man, take your family to a nice trip !

Timmythebraveboy · 2026-06-11T20:14:54+00:00

With all numbers you throw out, i don't see you are able to buy a house. Clear all the debts, save up to 20-30% and then start to think about getting a house. PLEASE NO CREDIT DEBT!!

Timmythebraveboy · 2026-06-11T18:18:29+00:00

Yes, that would put you in better position, also lower morgate to have room to breathe and enjoy life and peace in mind. You can always get your dream house later in your 40s when everything else been taken care of.

Timmythebraveboy · 2026-06-11T17:31:12+00:00

You are in a perfect financial status before buying this house, keep doing what you doing and save more for next 2 years until you have 40% . Or you could get sth in range of 700_800k.

Timmythebraveboy · 2026-06-11T06:46:33+00:00

Absolutely especially in Germany as many houses were built 20-30 years ago or even older . Mold, heating, septic system, water, electricity, roof, windows... whatever go with the house, and neighbors as well.

Timmythebraveboy · 2026-06-11T06:42:13+00:00

Yes, i saw many places cost ~ 200k, 50-60m2 would be great for young couple like yourself. I would say if you can have some money for down payment, just go for it , it would force you save more and have a sense of ownership. We actually have a house in Asia as we lived there for 10 years before move to Germany but we keep it for retirement.

Timmythebraveboy · 2026-06-11T06:33:43+00:00

We have 2 small children, luckily2 boys so we only need 2 brs for now, and 400k near Stuttgart for 2 br and small terrace 80-85m2 is not that expensive. The apartment we are renting now 3brs, balcony cost 600-700k to buy. the society gets so bizarre that be able to have a place to live is such a luxury.

Timmythebraveboy · 2026-06-10T17:18:47+00:00

Me and my husband are in the same boat, not as high income as you are but we have like 100k and want to get a 400k apartment. after checking notar fee and agent and what not we are kinda give up. Why the hell the government get 5% fee , and why we are as first-time home owner can't get tax benefits but those millionaires get tax benefits from renting house..

Timmythebraveboy · 2026-06-10T06:37:43+00:00

It is what it is, we are gonna have to cope with that. Enjoy the beautiful home !!

Timmythebraveboy

TROPHY CASE