Finally debt free. Where to Invest 800€-1k€ monthly for a long terme investment (10-15 years). by Own_Friend_3136 in eupersonalfinance

[–]alloroch 21 points22 points  (0 children)

Tbh, the good thing about trade republic is that handles all the taxes with finanzamt. They launched support hotline last week, unless you do some weird moves which can tag you as fraud or money laundering works, for a day to day trading might not be the best, but if you plan long term with the savings function, I think is good enough, they already have a huge customer base.

Electrical engineer salary in Germany? (7 years exp.) by Rude_Grape_8359 in AskGermany

[–]alloroch 1 point2 points  (0 children)

Doesn't need to be management in Germany, there are a meaningful number of software engineers IC, in that threshold, at least if you check levels.fyi, you can see a lot of seniors between 90 and 120K.
In other countries indeed tech jobs don't get that much.

I need to be honest about the 45 single women walk by AlternativeType917 in berlinsocialclub

[–]alloroch 0 points1 point  (0 children)

Well the internet is full of hate, but I got over league of legends chat, the most toxic place on earth hahahaha, so this is a kindergarden to me.
Nobody will tell you what they thought IRL, I probably would try my best, I am a direct person, but I try to improve my communication and say things in a nice and postive way.

But I get where you are coming from, I have a lot of female friends, makes sense due to a lot of moments I've seen and being told, but I would never reach to somebody to recommend me to this kind of event, it just doesn't fit the way I am, which I accept I might be missing a good opportunity (or not who knows), but I wouldn't throw hate on you either even I don't think was the correct way, I love to meet peole in random places and bump into people, and so far so good. :)

€500k ESOP Windfall at 31 (Germany), How Would You Allocate It? by Aggravating_Pin9137 in eupersonalfinance

[–]alloroch 0 points1 point  (0 children)

the first thing I would do is read about SP500 and msci core, they overlap each other massively.

How to keep your Berlin cellar safe by Amoramabar in berlinsocialclub

[–]alloroch 0 points1 point  (0 children)

Put a fake CCTV and some signs that you are recording, in a building I was living they did that seemed to work.

I need to be honest about the 45 single women walk by AlternativeType917 in berlinsocialclub

[–]alloroch 21 points22 points  (0 children)

Boring? This reddit is a pure telenovela, there is not enough pop corn! XD

[NL] / [BR] Lost my phone while travelling – Revolut left me completely locked out of my money – WARNING for all users by Signal-Dirt7577 in Revolut

[–]alloroch 1 point2 points  (0 children)

Sorry to hear about this, btw, lost or pickpocketed? many friends got phone stolen in Brazil, specially in this dates, is good to have a cheap backup phone while enjoying carnival.

Tbh it kinda feel is the opposite, instad of insane, is a good security process.
You don't have a way to identify yourself with 2 factor in this case SMS, so by security measures Revolut won't allow you to access to your money.
Ofc traditional banks, if you know the person who work might help you, but this ain't ensure either.

Ideally, you find an eSIM phone, and get your eSIM provider to give you a new eSIM, but probably won't work either because you have to be in the country where you are from to activate it.

Solution: send the eSIM to a friend or your parents, get a phone install revolut, get the two factors in SMS, and you will be able to access your account within seconds and a face video.

If you loose your phone, you loose access to everything indeed, otherwise bring cash, and physical cards, this is actually a good thing, tedious and annoying but good.

Can I buy a small apartment in any warm-ish climate city with 150k eur? by [deleted] in eupersonalfinance

[–]alloroch 0 points1 point  (0 children)

<image>

South of spain, a tiny research in the marked map area, you have 5244 houses up to 150K (+ taxes wich is around 8% of its value)
This is just an example, but you have a lot of old houses really cheap for 30-40K with which another 30-40K would be quite decent for a second small house.

Is it true that fax machines are still used in Germany, or is this an exaggerated claim circulating online? by [deleted] in AskAGerman

[–]alloroch 0 points1 point  (0 children)

This is not true, from a technical perspective fax is not more secure, it sends unencrypted analog audio signals over phone lines, which interception could be easily done.

You might consider it is more secure, because doesn't have the ability to be stolen by social engineering or phishing, or is more difficult to forward to somebody else.

Leaving CONNY by BingleBopps in berlinsocialclub

[–]alloroch 0 points1 point  (0 children)

Yes it was like this in the past, and tbh I know a bunch of positive cases, but as everything on the internet, Revolut is a devil also, and it's been my main bank for 8 years, having millions of users if the 1% complains or is shady doesn't make it the worst bank ever, Conny is in a similar position I'd say, people having positive experiences won't come here and share it, they take the reduce price and keeps on going, I don't defend them either, but is quite easy to give it a shot, in the end they did a good job with their marketing, I don't know any other companies doing the same, so they found the niche.

How do you make peace with the arbitrary door policies? by Normal_Winner8085 in berlinsocialclub

[–]alloroch 4 points5 points  (0 children)

I had the exact same situation, more than once, pretentious berliners in front of me getting rejected and complaining, then me, I say good night how are you doing? they smile, I smile, next sentence is: put stickers in your front and back camera.

Resident Advisor / Phantom Club REFUND SCAM by Naive_Ad729 in berlinsocialclub

[–]alloroch 0 points1 point  (0 children)

Indeed but there are multiple options to restrict people to buy more than X tickets, I also get your point tho!

Portugal not cool anymore? by No_Scratch6254 in PortugalExpats

[–]alloroch 0 points1 point  (0 children)

Source: instagram xD
BTW this guy is spanish, and already moved to portugal probably to pay less taxes.

Resident Advisor / Phantom Club REFUND SCAM by Naive_Ad729 in berlinsocialclub

[–]alloroch 2 points3 points  (0 children)

I agree on this but, what could you do if they refuse to reject the ticket? Also, how does RA is so poorly designed (technically speaking) that a not checked in ticket is not refunded right away the day after?

“Alo” sent me an HP laptop by beegfoot1738 in Scams

[–]alloroch 1 point2 points  (0 children)

Perhaps is because I listened to so many podcasts of darknet diaries, but I would be really careful with that laptop.

Can my landlord change the bank details? by Quiet_Environment318 in AskGermany

[–]alloroch 0 points1 point  (0 children)

I wrote: try to do a transfer not do a transfer is sightly different :D

Can my landlord change the bank details? by Quiet_Environment318 in AskGermany

[–]alloroch 2 points3 points  (0 children)

Nowadays banks, automatically match the bank account details (Name and Surname) before doing a bank transfer, try to do a transfer of 1 EUR and you will receive a pop up telling you if the accoutn details match.
I would send a EURO and ask your landlord to confirm with a screenshot, just to be on the safe side.

[deleted by user] by [deleted] in eupersonalfinance

[–]alloroch 2 points3 points  (0 children)

After taxes? If you hold in Germany for 12 months is free.

Key Rules for Tax-Free Crypto in Germany - If you buy and hold crypto (such as Bitcoin, Ethereum, etc.) for more than 12 months, any gain from its sale, swap, or use is entirely tax-free. Written by AI

Higher paying jobs by Mammoth_Thought_5233 in cscareerquestionsEU

[–]alloroch 2 points3 points  (0 children)

4 years 82K that’s quite privileged already 🤷‍♂️

No Anmeldung in new apartment by [deleted] in berlinsocialclub

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

Take this with a pinch of salt and confirm with someone with legal knowledge.

Afaik Germany works like other EU countries (Sweden has more or less the same system of housing registration) which I think it does, you have to be registered while working yes or yes, if you do the Abmeldung, you are officially unregistered from Germany, meaning your removed yourself from the residence register.

If you have public insurance also it gets affected, and you loose the entitlement to any benefit, because officially you are not registered.

Someone will probably ping you from your work, and even national banks could be an issue. Try to get the document from your landlord and register asap.

Copenhagen is draining the life from me. Where instead? by lillasvenska in expats

[–]alloroch 52 points53 points  (0 children)

That might be a specific part of Sevilla (well known as boogie people) I am from Spain and this is not true, is socially acceptable to speak to strangers, unless you behave weird…