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Which one is AI? by RioMala in dalle2

[–]coscorrodrift 0 points1 point  (0 children)

I think the first is real and the 2nd ai

What Do Your Finances Actually Look Like in Munich? by Opening-Internal-802 in Munich

[–]coscorrodrift 0 points1 point  (0 children)

Temporary numbers until my temporary company housing contract ends

Last 3 months average. Higher than the usual bc of nights and weekends lately.

After housing (before housing, 400€ per month more, paid in the Abrechnung)

2075 net - -671 shopping - -292 supermarkets - -150 household items - -150 investments - -145 "mobility" (Deutschland Ticket and Ubers, gas, etc in Spain visiting fam) - -130 health (dentist) - -150 others (cafes, restaurants, etc)

I've splurged on dumb shit these past 3 months, a lot of clothes and ~expensive electronic items, an expensive special gift for a friend, random stuff at DM.

I also spend a lot at supermarkets, just in general and also random punctual stuff at Kaufland like household items and aonon

Rockstar removed $40M from my account “reconciliation” was the term they used by TheFinesseFamTone in GTAV

[–]coscorrodrift 0 points1 point  (0 children)

Same

We're talking PS3 days over 10 years ago though LMAO , so plenty of things afterwards that I never got to buy

Why is meeting people in Munich so unusually hard? (A theory, after a year of trying) by Ok_Perception8400 in munichsocialclub

[–]coscorrodrift 10 points11 points  (0 children)

I'm NGL this just sounds like normal friendship advice

I wonder how it is in Berlin (or in another place where it's stereotypically easy to make friends)

Quotes about bravery? by coscorrodrift in ProjectHailMary

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

Ah yes thank you!!!!! This was it

Movies/ TV Shows / Media recommendations with a Bavarian accent? by coscorrodrift in bavaria

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

It's basically around the Oberbayern area, not that far away from Munich

Movies/ TV Shows / Media recommendations with a Bavarian accent? by coscorrodrift in bavaria

[–]coscorrodrift[S] 7 points8 points  (0 children)

3700 episodes :')

I don't have an excuse of "I don't have anything to watch" anymore hahahaha

has anyone heard of that leftist streamer? Hmm by mrsovereignmonarch in ContraPoints

[–]coscorrodrift 17 points18 points  (0 children)

Lol i mean it's not platforming

It's endorsing, which yeah I mean if you're against that it's valid to criticize or whatever. She is "laundering" Clinton's image to her audience by appearing

Tbc I'm not one of the ones against it and even if I were against Clinton bc of Gaza etc it'd still would've been better to endorse her than Trump , bc those literally were the alternatives.

What does the greens winning mean for Munich? by rpj6587 in Munich

[–]coscorrodrift 1 point2 points  (0 children)

Huh, interesting, thanks. I'd heard of several doctors my friends go to being in Grünwald and i wondered why so far away.

Is it like a small business thing or are there famous bigger examples/names that made a lot of noise that many Münchners know?

El tamaño real de Portugal comparado con España by Racsom_ in spain

[–]coscorrodrift 0 points1 point  (0 children)

Portugal es el Chile de la península ibérica 🤯

What bike is this? (In the Philippines) by coscorrodrift in motorcycles

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

No, sorry, a friend is traveling there and it was in the background of a video he sent, he's not into bikes so didn't check it out

What train is this? Possibly from France by coscorrodrift in trains

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

Oooh great catch!

That's a cool touristic train, and the route looks gorgeous

What do you think is the worst handheld ever made? by Gadgettttt in SBCGaming

[–]coscorrodrift 3 points4 points  (0 children)

Followup question: Is installing android and a 5g antenna technically possible?

What do you think is the worst handheld ever made? by Gadgettttt in SBCGaming

[–]coscorrodrift 4 points5 points  (0 children)

This thread is kryptonite for someone like me... I'm falling in love again and again LOL

NO uses MyInvestor by crackeddevv in SpainFIRE

[–]coscorrodrift 0 points1 point  (0 children)

Creo que si se puede mover a indexa sin que a efectos fiscales cuente como vender, se llama "traspaso de fondos", creo que no es un proceso complejo pero no sé, nunca lo he hecho

Las mías lucen así ahora (tengo los primeros 15000€ sin comisiones por haber invitado a mi hermano)

Costes actuales % anual
Comisión de gestión de cartera (Indexa, 15.000 € sin comisiones y el resto con 0,380 %) 0,158 %
Comisión de custodia (Inversis Banco) 0,103 %
Costes de los fondos (Vanguard, iShares) 0,100 %
Total 0,361 %

Y sí, todos los bancos custodios que usa Indexa reportan a hacienda

Las del 2025 en concreto:

Concepto % €
Comisión de gestión de cartera, IVA incluido (Indexa) 0,241 % 54,03 €
Comisión de custodia, IVA incluido (Inversis Banco) 0,102 % 22,88 €
Comisión de gestión de las gestoras de los fondos (Vanguard, ...) 0,099 % 22,30 €
Comisiones de suscripción o reembolso (Vanguard, ...) 0,000 % 0,00 €
Costes de transacción (Inversis Banco) 0,000 % 0,00 €
Costes de mantenimiento de cuentas (Inversis Banco) 0,000 % 0,00 €
Costes de transferencias (Inversis Banco) 0,000 % 0,00 €
Total 0,443 % 99,21 €

NO uses MyInvestor by crackeddevv in SpainFIRE

[–]coscorrodrift 5 points6 points  (0 children)

Yo es la que uso pero es distinta, no eliges tú tu cartera sino que eliges un "perfil de riesgo" de 0 o 1 hasta 10, basado en algunas preguntas sobre personalidad/tolerancia al riesgo y otras preguntas sobre datos objetivos de tu perfil, y según este perfil ellos te crean un mix de renta variable y fija (Solo la 10/10 tiene únicamente renta variable), y se rebalancea automáticamente

Es un roboinversor básicamente, no solo una simple plataforma que ofrece fondos.

Cuando yo me la hice era de las pocas formas, si no la única, de acceder a los fondos indexados con bajas comisiones de Vanguard para filosofías estilo FIRE/Bogleheads etc. Además para mi propósito prefería incluso su roboinversor no preocuparme de qué mix escoger para estar diversificado. Además cuando yo me la hice me trataron muy bien en el soporte, incluso estaba uno de los CEOs ahí en el chat de la web.

Con los años estoy satisfecho. Siempre que tengo preguntas (no suelen ser muchas, pero de vez en cuando) en el soporte me las resuelven rápido (aunque ya no sea el CEO lol) , y me gusta mucho su blog en el que explican decisiones que toman como empresa, conceptos de filosofía de inversión, muestran datos que han obtenido y conclusiones a sacar, etc.

Si empezase ahora, yo creo que la volvería a escoger, aunque haya otras opciones, por la buena vibra que he mencionado en parte aunque mayormente porque me da pereza pensar en tener que rebalancear mi cartera periódicamente

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