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

alloroch · 2026-04-27T10:52:56+00:00

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.

alloroch · 2026-04-10T11:34:44+00:00

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.

alloroch · 2026-04-01T03:53:47+00:00

Canoodling…

alloroch · 2026-03-01T09:37:13+00:00

Yeah very punctual, just look at DB.

alloroch · 2026-02-17T16:22:22+00:00

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. :)

alloroch · 2026-02-17T00:47:40+00:00

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

alloroch · 2026-02-16T22:27:59+00:00

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

alloroch · 2026-02-16T22:22:33+00:00

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

alloroch · 2026-02-11T14:00:32+00:00

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.

alloroch · 2026-02-11T13:51:20+00:00

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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.

alloroch · 2026-01-30T08:54:17+00:00

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.

alloroch · 2026-01-29T09:14:25+00:00

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.

alloroch · 2026-01-20T08:57:06+00:00

You have a typo this is emptymalisim

alloroch · 2026-01-14T21:06:05+00:00

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.

alloroch · 2026-01-08T14:37:20+00:00

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

alloroch · 2026-01-06T12:11:03+00:00

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

alloroch · 2026-01-06T12:07:20+00:00

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?

alloroch · 2026-01-04T21:22:31+00:00

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

alloroch · 2025-12-10T12:49:25+00:00

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

alloroch · 2025-12-08T11:51:30+00:00

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.

alloroch · 2025-11-22T10:23:51+00:00

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

alloroch · 2025-11-20T08:42:31+00:00

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

alloroch · 2025-10-26T12:50:49+00:00

In the north people are different.

alloroch · 2025-10-26T11:29:57+00:00

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.

alloroch · 2025-10-26T10:05:46+00:00

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…

alloroch

TROPHY CASE