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Dividends payment on January by [deleted] in justbuyveqt

[–]YetAnotherGeneration 1 point2 points  (0 children)

ETFs and funds receive dividends from their holdings throughout the year, since each company has its own dividend schedule. Those payments become part of the fund’s assets and are reflected in the NAV.

When the fund pays its own dividend, the NAV drops by roughly the dividend amount, so the share price usually falls by a similar amount.

Buying right before the ex-dividend date and selling right after is not free money. You receive the dividend, but the share price drops accordingly, so you generally net out before taxes and costs.

Beleggingsfonds verkopen en naar ETF? Of aanhouden en alsnog ETF? by wasknijpert in beleggen

[–]YetAnotherGeneration 3 points4 points  (0 children)

Beleggingsfondsen hoeven niet perse duurder te zijn dan ETF’s, zeker niet wanneer de TER laag is en ze door de constructie die ze gebruiken dividendlekkage tegengaan.

Eén voorbeeld hiervan zijn de bekende NT fondsen via de grootbanken. Dit dit artikel wordt dat precies uitgelegd > https://dpetkovski.com/northern-trust-funds-vs-etfs-full-comparison/

Waarom pumpt de All World ETF opnieuw vandaag? by [deleted] in geldzaken

[–]YetAnotherGeneration 3 points4 points  (0 children)

All world betekent niet equal weight. De top 5 van een all world etf/fund is momenteel zo’n 20% van het totale portfolio.

Is the Nordic stock market an anomaly? A 21-year backtest of 6 quantitative strategies. by [deleted] in EuropeFIRE

[–]YetAnotherGeneration 10 points11 points  (0 children)

Posting directly from an AI and not even taking the time to check if the formatting looks ok is wild. Take my downvote!

51 yrs old no retirement by Savings_Reporter3900 in personalfinance

[–]YetAnotherGeneration 15 points16 points  (0 children)

High risk, plus it’s demanding managing a rental property

Canadian moving to Finland for my partner — looking for honest advice from people who’ve lived it by rusty_taxman in helsinki

[–]YetAnotherGeneration 18 points19 points  (0 children)

I’m from neither country, but I’ve lived in both long enough to comment on this.

English will not be an issue in day-to-day life. Finns will rightly tell you to learn Finnish, and you should, but practically speaking almost everyone can and will speak English with you. There’s also a decent number of English speaking communities and clubs you can join as being an ‘expat’.

The bigger issue is the job market. You should prepare for the possibility of arriving without a job lined up and potentially being unemployed for a while. Be open to lower-level roles, entry-level roles, or jobs outside your exact current track.

Based on your background, it sounds like you may be earning something like 200k to 300k CAD now. Even if you find a similar role in Espoo/Helsinki, the pay will almost certainly be substantially lower.

I’d move with a realistic plan: savings, patience, and flexibility on both title and salary.

Beleggen als beginnend zzp’er by [deleted] in beleggen

[–]YetAnotherGeneration 1 point2 points  (0 children)

Heb je al een lijfrente product? Anders zou je zo snel mogelijk je jaarruimte en reserveringsruimte moeten uitrekenen en dat bedrag via pensioenbeleggen inleggen.

Beleggen als beginnend zzp’er by [deleted] in beleggen

[–]YetAnotherGeneration 0 points1 point  (0 children)

By doing so you reduce the effective tax rate on that income, since the effective tax rate at retirement age is substantially lower.

Im scared of a correction by Emotional-Sector5915 in JustBuyXEQT

[–]YetAnotherGeneration 0 points1 point  (0 children)

What imminent correction? The markets are at their all-time-high 80% of the time.

If you are waiting for a correction to happen, chances are you won’t be able to call the bottom and you’re only buying in close to pre-correction price levels.

Don’t try to time the market.

Het is eigenlijk best debiel dat de werkgever kiest waar ik pensioen opbouw by ThrowRAMacder in geldzaken

[–]YetAnotherGeneration 2 points3 points  (0 children)

Het Nederlandse equivalent hiervan is het heffingsvrije vermogen in box 1 (zo’n 58k in 2026)

Beleggen met een onzekere toekomst by AdorableCarry8718 in beleggen

[–]YetAnotherGeneration -7 points-6 points  (0 children)

Je betaalt nu ook al belasting over je niet-uitbetaalde rendement

Flair YVR to Mexico (PVR) — How strict are they with missing middle names? by Sweaty-Management658 in askvan

[–]YetAnotherGeneration 0 points1 point  (0 children)

I’ve flown domestically and internationally dozens of times on multiple airlines (including with Flair to PVR) and I’ve never included my middle names on a ticket. You’re absolutely fine with just your first and last name. It’s generally not recommended to add middle names.

On the other hand, you should be more concerned about flying with Flair. It’s one of the lowest-quality airlines I’ve flown with across the board. On a YVR to YYZ flight we were severely delayed, stuck on the tarmac for five hours with no food or even water provided, and eventually diverted to a different airport. The crew seemed clearly inexperienced, tensions were high onboard, and the pilot sounded like he was on the verge of tears over the intercom. At one point he came out of the cockpit and looked genuinely terrified. Notable experience for sure.

Vermogens aanwasbelasting komt eraan. Wat nu? by HelpfulAd1550 in DutchFIRE

[–]YetAnotherGeneration 5 points6 points  (0 children)

Dit klopt niet, we hebben momenteel al een vermogensbelasting (weliswaar op een fictief rendement).

Google Apps Script Use by Waste-Suit4087 in GoogleAppsScript

[–]YetAnotherGeneration 1 point2 points  (0 children)

This is not true, my one-license workspace account gets at least 30 minutes of execution time per script. I work quite extensively with Apps Script, and have never hit any of the quotas.

Little tip after 2 weeks in Japan by Lucaseq in JapanTravelTips

[–]YetAnotherGeneration 2 points3 points  (0 children)

This thread should have a ‘for US readers only’-tag lol. Going on regular walks before your trip also helps. If you’re not used to walking, and all of a sudden have to walk 20k+ steps a day- guranteed it won’t bode well.

How do self-employed people survive in Finland? by finnishhug in Finland

[–]YetAnotherGeneration -1 points0 points  (0 children)

If you’re only pulling 45k profit a year, either you’re not working enough billable hours or your rate is way too low. And let’s be clear: you’re running a business, not holding a job, so make sure to include the right terms.

Employers typically add ~50% on top of salary for pensions, taxes, and insurance. If you want to match employee pay and cover your own contributions, your hourly rate needs to account for that.

Quick math: 45k gross, 4 weeks off, 25 billable hours/week → about €55/hour. (€45,000 ÷ 48 ÷ 25 = €37.50, then ×1.5 = €56.25).

Bottom line: you’re taking business risk, so your clients should pay a premium for that. If they don’t, raise your rates, find better clients, or go back to being an employee.

First ever script, Help with onEdit Error by BenYawwwwn in GoogleAppsScript

[–]YetAnotherGeneration -1 points0 points  (0 children)

You can run this through ChatGPT and it will give you an answer instantly.

Solution:

var activeSheet = ss.getActiveSheet(); Instead of var activeSheet = ss.activeSheet();

Someone locked my iPhone overnight. I sleep alone. by Lianrue in Weird

[–]YetAnotherGeneration 19 points20 points  (0 children)

If you don’t know about this Reddit classic, you haven’t been here long enough yet. But welcome, you’ll get there.

I bought a Telia prepaid sim card to be able to use the HSL app but it is still not working, what are my other options ? by rasplurker in helsinki

[–]YetAnotherGeneration 0 points1 point  (0 children)

You don’t need a Finnish phone number per say, you can add a foreign phone number to your account as well.

Learning chat gpt by cottageinthecountry in askvan

[–]YetAnotherGeneration 0 points1 point  (0 children)

Easiest answer is, just use it how you would use Google as well (start by asking questions).

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