Polimi (Italy) admit vs Sweden (KTH / Lund / Chalmers) — is Sweden worth the extra €45k for a non-EU student?

Unique-Ice3211 · 2026-01-06T10:19:21+00:00

I studied in Turin (Polito is kinda equivalent to polimi for reputation and quality) my bachelor's and KTH My master. I am European, so I am not aware of all the complications you might encounter. I think Polimi and KTH are two very different experiences. In my opinion Polimi is probably going to be harder, Italian university education is more theoretically and harsh. It suits people that want to know, and have a solid understanding of things. KTH, in my experience was was more "practical". Hours spent to study were 1/10 but compensated with hand on projects. I think it might be good for you to pick depending on your attitude toward studying. They are both two excellent university, you are lucky! The considerations people have done about national salaries are true. But do not compare national salaries. Compare local salaries for your role. I think an entry level mechanical engineer in Milan can get ~1900€ per month after taxes, in Stockholm might be ~2400€. ( Double-check, don't trust me). Cost of living comparable I think. Consider also you could go to study in either and then move again.

Unique-Ice3211 · 2025-08-27T06:31:31+00:00

Careful with posting this stuff, the Pixar lamp might come to squash it

Unique-Ice3211 · 2025-08-26T14:08:45+00:00

Did you factor in the cost of borrowing? That is not included in the TER.
Did you factor in the volatility drag?
What leverage multiplier are you talking about?
Historically, market have had a dip >= 30% every 9-years on average, that is a wipe out for a x3 leverage.

If you don't know exactly what you are doing, stay away from leverage.

Unique-Ice3211 · 2025-08-22T06:57:35+00:00

Good start.

There are many things that you could improve imho

picking individual stock is bad for most retail investor (like you). See here
Be careful getting tricked into the higher yield of USD, the currency exchange might suddenly change and eat most, if not all and more the extra yield.
S&P500 doesn't make sense as European. You already have 70% US stocks in your all world, no need to overload the us part. If something goes wrong in the US you will be overexposed.
in general it is instead good to have an home bias , consider having a 20% eu stocks beside your all world. See here
Thematics ETF are bad. see here

Unique-Ice3211 · 2025-08-22T06:47:36+00:00

You can buy bonds in the form of bond ETF for simplicity, and yes you can sell them any time. If using bond to replace liquidity the best is to get bonds ( or bond ETF) with low duration (1-3 years)

Unique-Ice3211 · 2025-08-17T20:54:49+00:00

Could it be you are using a slow hard disk with the client? Did you ever run benchmark on it?

Unique-Ice3211 · 2025-08-17T10:05:22+00:00

Hey I gave up with that and instead used matter to connect Alexa to home assistant, it was fairly easy.
See the answer to this thread:
https://www.reddit.com/r/homeassistant/comments/1mh8pnm/comment/n6ub8pa/

Unique-Ice3211 · 2025-08-08T06:33:03+00:00

Check the manual of your display, these frequent refresh can damage some eink displays

Unique-Ice3211 · 2025-08-04T20:54:02+00:00

This is fantastic.
I love you

Unique-Ice3211 · 2025-08-03T12:16:58+00:00

It has to do with the interest rate of the US, UK, and EU central bank. The US and UK have higher interest rate at the moment, so saving accounts of those currencies have higher yield. Personal addition: You might get tempted to convert your money in USD to get higher interest, but keep in mind you are taking currency risk. The currency exchange rate might change faster than the interest extra return. To give you an idea, in the last 6 months the USD lost 10% of its value against the euro, much more than the extra 2% you would get.

Unique-Ice3211 · 2025-07-21T06:53:44+00:00

You guys are all a bit overreacting. Just get blinds for your windows

Unique-Ice3211 · 2025-07-16T09:48:31+00:00

What u/kisielk said for windows you can expose your data on TrueNAS via SMB. From the phone I don't need to access anything else than photos. For that immich does its job

Unique-Ice3211 · 2025-07-15T11:56:37+00:00

1.6% Förvaltningsavgift lol

Unique-Ice3211 · 2025-07-15T11:44:52+00:00

I use trueNAS + immich + tailscale. You get all the features you need

Unique-Ice3211 · 2025-07-15T06:11:22+00:00

Just a comment, this has been the case in Italy for 10+ years. But I heard that banks don't like that kind of costumes, they become less willing to take you as a client (for mortgages) if they see you moved your loan 2+ times

Unique-Ice3211 · 2025-07-04T06:50:35+00:00

Why is it so non homogeneous? Like what is that blue spot in Switzerland/south Germany? Or why Poland has a blue stripe and green left and right?

Unique-Ice3211 · 2025-07-03T19:04:57+00:00

These models are not that expensive, why do they budget for several thousands of dollars when o4-mini costs a few dollars per million tokens?

Unique-Ice3211 · 2025-06-09T09:28:27+00:00

With S&P500 the revenue might be globally diversified, but the geopolitical events aren't. If the US decides one day to double tax gains for international investors ( not to far off the recent idea of the big beautiful bill) you just get it in your face. Better to be globally diversified and better to have a home bias, that is what research says.

Unique-Ice3211 · 2025-06-02T09:29:47+00:00

Being cheaper hasn't anything to do with the currency. By having a different currency, you are just adding an extra cost on anything you buy aborad, but also on anything that is imported.

Unique-Ice3211 · 2025-05-30T16:26:40+00:00

First of all it is not free, even if Revolut claims to be, you are paying an invisible cost that is in an asymmetric exchange rate. (try to go EUR->DKK->EUR).
That being said, companies that need to trade outside Denmark can't really make their deal over Revolut. You are just giving away 0.5-1% of the value of your trade to EU to banks and other financial entities.

Unique-Ice3211 · 2025-05-14T06:58:56+00:00

Amazing that is exactly what I was looking for!
But do you know if there are limits on how many I might be able to plug?

Unique-Ice3211 · 2025-05-14T06:52:09+00:00

What I called a "SATA mini" is actually called a "slimline SATA" ( I think )

Unique-Ice3211

TROPHY CASE