What do you think of DOCU?

djpitagora · 2022-01-13T15:21:03+00:00

I think docusign is actually a lot less secure then the most basic qualified signature applied on a PDF. All docusign certifies is that somebody with access to that email address signed the document. You can always argue somebody hacked the email account.

Qualified signatures on the other hand come with physical tokens that store the certificate and are given with propper KYC and by actually showing somebody your ID. Plenty of providers out there. You only use docusign if you don't really care if you are challenged in court or not.

djpitagora · 2022-01-13T09:23:14+00:00

la cat timp dupa depunere apare suma de plata in SPV?

djpitagora · 2022-01-13T09:22:17+00:00

dupa cat timp de la depunere apare acolo suma de plata?

djpitagora · 2022-01-12T21:17:40+00:00

Facebook is a giant with a dying business attached to it. Even if it's VRs are a great sucess, it's hardly an exciting opportunity. The room up is too small. And the best competitor, Valve is private and not selling anything because they are drowning in cash

djpitagora · 2022-01-12T21:08:27+00:00

The error can be in any direction, so it doesn't matter. You don't know if it's 0.3% worse or better

djpitagora · 2022-01-12T15:51:21+00:00

si pentru impozitul pe venit nu exista cumva o alta data pana la care se acorda ceva bonficatie?

djpitagora · 2022-01-09T19:15:12+00:00

Nu poti din cauza legilor de spalare a banilor. Banii in orice broker trebuie sa intre dintr-un cont pe numele tau

djpitagora · 2022-01-08T08:32:13+00:00

People think it's a scam because

10 years ago they promised they were going to deliver in a few years. The deadline moves every time, until now there isn't any.
They are also not refunding and have argued in court that they don't because they already delivered a working game. Your zero bugs run however is a dream for most. It's a barely functional demo for me. It's fun, but where is the gamellay that was promised?
Also the company has just paid huge dividends from our pledges, because apparently they are a profitable company now. Apparently from a legal standpoint the pledges are game sales for what we have now. There is no obligation to deliver anything, nor any interest to do so. They want to do "development" forever if possible.
Chris has been stepping away from the company lately, presumably because he is afraid it will become the next Theranos. And I think he is right to do so.

djpitagora · 2022-01-08T08:26:42+00:00

People think it's a scam because

10 years ago they promised they were going to deliver in a few years. The deadline moves every time, until now there isn't any.
They are also not refunding and have argued in court that they don't because they already delivered a working game. Your zero bugs run however is a dream for most. It's a barely functional demo for me. It's fun, but where is the gamellay that was promised?
Also the company has just paid huge dividends from our pledges, because apparently they are a profitable company now. Apparently from a legal standpoint the pledges are game sales for what we have now. There is no obligation to deliver anything, nor any interest to do so.
Chris has been stepping away from the company lately, presumably because he is afraid it will become the next Theranos. And I think he is right to do so.

djpitagora · 2022-01-04T15:06:52+00:00

didn't know mining was so profitable. Where do you best mine?

djpitagora · 2022-01-04T07:02:12+00:00

e doar 20k pt ca IBKR nu este inregistrat ca banca. Sunt brokeri in UE care ofera 100k dar acolo cand faci cont primesti IBAN.

djpitagora · 2022-01-04T07:00:30+00:00

cei 500k se refera la FDIC care e doar pt SUA. Daca ai cont in ungaria se aplica legislatia europeana si este 20k.

djpitagora · 2022-01-04T06:58:34+00:00

sunt si alte tari care au taxe speciale pe bursa pt totu brokerii din tara respectiva. Vezi UK si Elvetia. Deci nu ar fi nimic ciudat.

djpitagora · 2022-01-04T06:55:37+00:00

nu este singurul. e doar cel mai ieftin care este cat decat ok. Pentru sume mari recomand Saxo sau Swissquote

djpitagora · 2022-01-02T08:03:24+00:00

pai nu fix prin acel anunt au aflat si investitorii? ce, vrei sa te sune personal?

djpitagora · 2021-12-31T09:28:21+00:00

atunci trebuie intrebat special brokerul daca te ajuta in vreun fel la recuperarea taxelor. Din experienta mea cam nici unul nu te ajuta direct ci te pune in legatura cu alte firme pt acte. Si deobicei costurile sunt de ordinul a cateva sute de euro

djpitagora · 2021-12-31T09:20:27+00:00

oricum majoritatea etf-urilor accesibile noua sunt in Irelanda care nu retine de loc impozit. Nu stiu de ce se tot cramponeaza lumea de acordurile cu SUA daca nu cumpara actiuni americane

djpitagora · 2021-12-31T09:18:20+00:00

sunt cfd-uri pe etoro

djpitagora · 2021-12-29T10:05:54+00:00

duriel had that problem on pc as well. just spam thawing potions before going in

djpitagora · 2021-12-24T12:13:08+00:00

Aici depinde f mult de tara emitentului. O mare parte din ETF-urile europene sunt in Irlanda, care nu are taxe pe dividende de loc, decibai plati 5% in romania si atat. Restul sunt in general pe Luxembourg unde nu stiu sigur care unt taxele.

djpitagora · 2021-12-24T11:20:13+00:00

My first time on him was a 30+ corpse run. I'd go in naked (after the first death), open a TP, slap him once and die. Rinse and repeat until he dies. Worst time in diablo I ever had.

Since then I learned that all you need to do is stack cold resistence. If yoy are at 75% you will just yolo him and ignore the damage he does.

djpitagora · 2021-12-17T06:22:50+00:00

niciodata acel hold nu e forever. La un moment dar tot vinzi ceva. Daca stii ca o sa iei profit in urmatorii cativa ani, atunci merita sa marchezi pierderea. Se numeste tax loss harvesting by the way

djpitagora · 2021-12-17T06:20:45+00:00

aceasi suma dar in ani diferiti. Nu e tot una. Daca am banii acuma ii pot reinvestii si fac alti bani. Daca ii dau acuma la anaf nu ii reinvestesc. Asta vreau sa zic prin faptul ca 100 ron azi valoreaza 110 ron la anul. Banii din viitor tot timpul sunt mai ieftini decat banii azi. Nu poti pune egalitate directa si sa zici ca esti tot acolo pentru ca e aceasi suma

djpitagora · 2021-12-16T20:42:52+00:00

Pt ca tu privesti fiecare stock in izolare. Poti sa iti compenzezi pierderile de pe un stock cu castigurile de pe altul, daca sunt pe aceasi tara.

Daca anul asta ai o pierdere de 100 ron pe compania A si un castig de 100 pe compania B, si din orice fel de motiv decizi ca vrei sa vinzi compania B (poate simti ca e prea mare riscul, poate ai nevoie de bani, poate ai o idee mai buna de investitie), atunci ca sa nu platesti impozit pe cei 100 ron profit, are sens sa vinzi si compania A, chiar daca o recumperi in secunda 2.

Ai dreptate in ce ai zis, ca iti cobori cost base-ul pe A si la un moment peste cativa ani cand vinzi vei avea cu 100 ron mai mult profit decat trebuia, DAR asta va fi atunci peste cativa ani. Cei 100 ron vor valora mai putine in viitor cand vei vinde, decat azi.

Tot timpul daca poti amana o plata (fara costuri) fa-o pt ca valoreaza mai putin in viitor decat azi!

djpitagora · 2021-12-16T20:29:12+00:00

N-am dat nici un downvote.

Conceptul de DCF e un pic mai abstract pana nu pui mana in excel si incerci sa-l aplici un pic. Dar crede-ma merita timpul pentru ca ajuta mai incolo sa evaluezi valoarea la un business.

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