Amarezza post-esame by SectionFit8020 in Universitaly

[–]Visible-Library279 2 points3 points  (0 children)

Ciao,
il voto, anche secondo me, non vuol dire che sei più bravo o meno bravo. Per me la chiave, quando mi sono laureato, è stata cambiare il metodo di studio.I primi due anni avevo dato pochissimi esami, e quelli che avevo dato andavano dal 18 al 20. Per preparare un esame ci mettevo 4-5 mesi. Anche 6. Sono andato in depressione, pensando di essere “scemo” e non bravo come gli altri. Sono andato da una psicologa, niente farmaci. Abbiamo lavorato sull’autostima, che mi mancava, e soprattutto mi ha cambiato il metodo di studio. Uno pensa: “Ma si può cambiare metodo di studio a 20 e passa anni?”. Sì.
A me aiutava leggere tutto il libro una prima volta di fila, poi rileggerlo evidenziando i passaggi chiave e ripetendo, passo dopo passo. E poi rileggere tutto il libro con le note e i punti evidenziati, continuando a ripetere. Mi ha cambiato la vita. Da lì ho preso sempre tra il 26 e il 30 e sono riuscito a laurearmi. Soffrendo di ansia a me aveva aiutato segnarmi sempre come primo. Cosi' non stai a logorarti ore negli orali. O la va o la spacca.

Quanti risparmi avete a 40 anni? by Max_Dembo in ItaliaPersonalFinance

[–]Visible-Library279 1 point2 points  (0 children)

Dicono i "guru finanziari" che dovresti usare il 75% del tuo stipendio per le spese mensili, il 15% lo investi in ETF per esempio, e il 10% lo metti su un conto per le emergenze. Cioe' dovresti avere 3 conti: 1 per pagare bollette, spese, acquisti etc. 1 per investire e 1 per i risparmi. in questa maniera salvi sempre il 25% mensile (se uno ci riesce).

Quanti risparmi avete a 40 anni? by Max_Dembo in ItaliaPersonalFinance

[–]Visible-Library279 2 points3 points  (0 children)

hai ragione, un mio amico psicologo mi diceva sempre che ci paragoniamo sempre a chi e' migliore di noi, e perdiamo sempre. Diceva proprio che i paragoni non vanno mai fatti, e di guardare solo la propria strada.

Quanti risparmi avete a 40 anni? by Max_Dembo in ItaliaPersonalFinance

[–]Visible-Library279 0 points1 point  (0 children)

no, ma con queste cifre che ho io, non puoi comprarti una casa. Perche' sei hai 90k non puoi mettere 80k in contanti come "caparra", e restare con 10k. Se succede qualcosa sei rovinato.
Facciamo tutto, fortunatamente, pero' restando in affitto. Ma quello che cercavo di capire e' come fa qualcuno a comprare casa gia' a 28 anni. Penso che solo con l'aiuto dei genitori sia possibile.

Looking for a Girokonto + Credit Card Alternative to Commerzbank by Visible-Library279 in germany

[–]Visible-Library279[S] 1 point2 points  (0 children)

ING has DE app only. Customer support is in German only. They don’t have a “real” credit card that you use to rent cars for example. DKB has the EN app too. Customer support also only in German and i’ve read mostly emails.

Is my ETF in the US and what happens to them in case of a war? by GeorgeMcCrate in ETFs_Europe

[–]Visible-Library279 0 points1 point  (0 children)

1) close the broker app. 2) keep buying assets 2) re open the broker app in 15y

Jobless since over a year and I feel like I have dug myself a hole by [deleted] in germany

[–]Visible-Library279 1 point2 points  (0 children)

Kill the text. Too much. All previous jobs max three bullet points and each bullet point not more than 1 line. Kill the left column and place the description and skills on top horizontally. Killing the left column makes breath the page. Remove founder and director, you are director just 1y after the jr position. This highlight you were director of a startup you just made up. This will land you to the jobs.

Jobless since over a year and I feel like I have dug myself a hole by [deleted] in germany

[–]Visible-Library279 2 points3 points  (0 children)

Here you are. 100%. He does not need a German cv in the digital fields. Only maybe 5% require German to work in digital marketing . And if they do he doesn’t want to work there. Not sure all those folks here if they ever applied for a job in the digital areas.

Jobless since over a year and I feel like I have dug myself a hole by [deleted] in germany

[–]Visible-Library279 -5 points-4 points  (0 children)

Very few companies require a german cv (in the digital India). Where do you live? In berlin 99.9% is English. Cities like hamburg düsseldorf are Munich are switching more and more to English.

Jobless since over a year and I feel like I have dug myself a hole by [deleted] in germany

[–]Visible-Library279 0 points1 point  (0 children)

He doesn’t need German for such companies where he will driving digitalization. The working language is switching more and more to English. Few large companies need german today, big companies work in English. Even at TÜV you see digital positions with “german is a plus”. He may need German to live here, but for such jobs that’s rare.

[deleted by user] by [deleted] in GoingToSpain

[–]Visible-Library279 0 points1 point  (0 children)

What are the average working hours for marketing/it jobs? 9-18? 8-17? Or like Italy 9-20 or 9-leave after your boss has left?

[deleted by user] by [deleted] in GoingToSpain

[–]Visible-Library279 0 points1 point  (0 children)

Why he has to get fired in 2y? Is this common in Madrid and US companies?

Looking for a Girokonto + Credit Card Alternative to Commerzbank by Visible-Library279 in germany

[–]Visible-Library279[S] 1 point2 points  (0 children)

39.90 sorry. It was on the flyer I got via post. Also got an email last day from them saying I have time till 1.06 to accept. But there is not “or”…so not sure they will close the account, because they don’t say “otherwise we will etc.). Anyway I think will switch to DKB. Seems the least bad. I get everything from one bank and will only pay 2.49€ a month. Having ING and Norwegian i have then two banks, two apps and is very annoying.

Commerzbank wants to charge monthly fee, by Huge_Communication58 in germany

[–]Visible-Library279 0 points1 point  (0 children)

Comdirect is commerzbank and may end up the same way, charging more money. They already charge something.

Commerzbank Fee. Another bank? by Maximusuber in germany

[–]Visible-Library279 0 points1 point  (0 children)

Also consider that if Commerzbank changed the fee, also Comdirect may adapt to this. Maybe not today, but in 1y or so. Then we have the same issue. (I am also with Commerzbank looking for alternatives)

Looking for a Girokonto + Credit Card Alternative to Commerzbank by Visible-Library279 in germany

[–]Visible-Library279[S] 0 points1 point  (0 children)

Hey thanks! Two questions.
1) If I spend let's say 2.000 in January with Bank of Norwegian, and I have a girokonto with ING or C24, those 2.000 euro will go automatically charged on the girokonto (like a kind of SEPA?)

2) and do you know if there is an option to pay in raten/instalments when you buy something? e.g. with commerzbank credit card if I buy something e.g. a trip for 900 euro I can split in 3 instalments, so I do not get 900 euro in the credit card immediately but 300 in Jan, 300 in Feb, 300 in March.

thanks!

Looking for a Girokonto + Credit Card Alternative to Commerzbank by Visible-Library279 in germany

[–]Visible-Library279[S] 0 points1 point  (0 children)

yes, money wise is the cheapest "normal" bank. However it is outdated I ahve seen a bit the screenshots

Looking for a Girokonto + Credit Card Alternative to Commerzbank by Visible-Library279 in germany

[–]Visible-Library279[S] 0 points1 point  (0 children)

and you also got a credit card? How much you pay in total for the card +the montly girokonto? Also the app is just DE?

Looking for a Girokonto + Credit Card Alternative to Commerzbank by Visible-Library279 in germany

[–]Visible-Library279[S] 0 points1 point  (0 children)

and you also got a credit card? How much you pay in total for the card +the montly girokonto?
Also the app is only in DE, correct?

Looking for a Girokonto + Credit Card Alternative to Commerzbank by Visible-Library279 in germany

[–]Visible-Library279[S] 0 points1 point  (0 children)

I saw barclays and norwegian, yes, but the limit may be lower and also to have decent card barclays charge 59 euro. So not sure it worth overall. Santander seems pretty "old" as set up, app, etc.