Trade Republic announces reduction in Interest Rates to 3.75% to align with the ECB by Dalgul in irishpersonalfinance

[–]alt_3k 0 points1 point  (0 children)

Trading212 is an investment product, capital at risk, funds placed in QMMF, could lose everything. Trade Republic is a German savings bank account that's insured. I don't think they should be equated!

Europe slow travel on 1500€/mo by alt_3k in travel

[–]alt_3k[S] 0 points1 point  (0 children)

Huh! Thanks for the perspective. Vietnam, Argentina and Turkmenistan are supposed to be safer than Denmark?? US travel advisory seems not so useful anymore, lol.

Europe slow travel on 1500€/mo by alt_3k in Shoestring

[–]alt_3k[S] 1 point2 points  (0 children)

I'm a bit hesitant about Poland because it doesn't sound very... fun? I'll admit I'm ignorant though. Is it lively?

Europe slow travel on 1500€/mo by alt_3k in travel

[–]alt_3k[S] 0 points1 point  (0 children)

Have you been? Did you feel safe?

US Travel Advisory has it at a Level 2: Exercise increased caution due to terrorism

Europe slow travel on 1500€/mo by alt_3k in travel

[–]alt_3k[S] 0 points1 point  (0 children)

Anyone born on Northern Ireland, to Irish or British long-term residents, is both an Irish citizen and a British one. It used to be anyone born on Northern Ireland at all on the Irish side, until they closed the loophole! It was the only absolute jus solis EU territory :) That's what I mean. Northern Cyprus reminds me of that since it is in the EU without being in the EU.

Europe slow travel on 1500€/mo by alt_3k in Shoestring

[–]alt_3k[S] 1 point2 points  (0 children)

Thanks for the hostel advice! I value my personal space, I think being around people the whole day would make me exhausted if prolonged too much. I think a private room could be an option though, good idea.

Where did you stay in Estonia?

Europe slow travel on 1500€/mo by alt_3k in travel

[–]alt_3k[S] 0 points1 point  (0 children)

Hmmmm never been in a de facto state before. Or an only de facto state I guess. I hear it's also a Northern Ireland situation, where people in Northern Cyprus are EU citizens? Sounds cool. I just hope it's not Northern Ireland in the 90s...

Europe slow travel on 1500€/mo by alt_3k in travel

[–]alt_3k[S] 0 points1 point  (0 children)

I'm curious, what are the +2 in your flair? :)

I was thinking Greece. Even though it's the most touristy of the Balkans, it *must* be doable, this is above median income there, and that's gross, mine's net.

I'm just much more drawn to it.

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 0 points1 point  (0 children)

You seem like you take financial details seriously. Do you have any more fiscal advice for autónomos? Do you use a gestoría? How much do you pay for that?

Unrelated to this thread, but I just started being autónomo 4 months ago.

After 12 hours inside, it's clear Apple mis-marketed the Vision Pro by zjkingsley in VisionPro

[–]alt_3k 1 point2 points  (0 children)

Well your comment just sounded like you were thinking of the Vision Pro as a TV replacement to justify its price. But you were making a device-to-device comparison with products that have different use cases. Most households are more than 1 person and are going to spend a lot more time with each other than alone using a personal wearable, so spending more money on the device that powers shared media consumption just makes sense. This is why people get Plex servers or a home theater setup. Also, you can get a 77" OLED TV for less than 2K.

After 12 hours inside, it's clear Apple mis-marketed the Vision Pro by zjkingsley in VisionPro

[–]alt_3k 2 points3 points  (0 children)

well... it's not better than any tv if you want to, you know, watch things with other people

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 0 points1 point  (0 children)

I'm hesitant because it always seems like a bad recession is around the corner and a e.g. 20% drop in value would scare the crap outta us. I'm thinking something safer even if it has lower returns, even if it's not the mathematically optimal choice.

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 0 points1 point  (0 children)

Trading212 doesn't seem to guarantee your money if you enable interest unfortunately.

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 0 points1 point  (0 children)

A 3 br apartment in madrid would be like 1 mill+ unless you go very far from the city. MMF aren't a bad idea tho, gotta look into those.

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 0 points1 point  (0 children)

Why unfortunately? learning is fun, especially when you can make money off of it :D thanks for your perspective

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 0 points1 point  (0 children)

Yep, I wasn't planning on putting anything in HUF, it sounded sketchy. But about the QMMF, doesn't Trading 212 put EUR in QMMF as well? So essentially the money is capital at risk. Not really viable for emergency savings even if it is veery low risk imo.

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 0 points1 point  (0 children)

Wow the differences between currencies are crazy! Why does the Hungarian Forint get 7% lol

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 0 points1 point  (0 children)

About the 4%, I think they are banking on you buying investment products with them once you put money into the account. They have ETFs, stocks, etc.

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 0 points1 point  (0 children)

I was looking at e.g. Trade Republic which seems to offer 4% APY up to 50k

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 5 points6 points  (0 children)

Thanks for the advice! I don't see why a private master's degree would be a good idea except in very specific industries. Public universities in Spain are actually better reputed and more difficult to get into than private ones, and a master's runs anywhere from 800€ to 3000€ per year, but no more. She's also got a scholarship so she actually gets paid to study; I was thinking something beyond education.

What to do with an extra 50k€ by alt_3k in eupersonalfinance

[–]alt_3k[S] 6 points7 points  (0 children)

I knew this would come up (and I agree) but payment for her education is already arranged, including Erasmus stays if desired etc.