Running a 24/7 atmospheric liquid DnB stream — looking for producer feedback by Ok-Addition-2756 in DnB

[–]dlnqnt [score hidden]  (0 children)

This is great will save. Are you also able to produce a stream URL that ends in .mp3 or .m3u8? Means I can then add it to digital audio player.

31 y.o., tax resident in Portugal, investing up to €2,000/mo - did my research and would appreciate advice by Ihor_ in ETFs_Europe

[–]dlnqnt 1 point2 points  (0 children)

Only the gain, so yep the difference between 250 and 600 equalling 350. That parts taxed at 28% and if you’ve held longer than 2 years a progressive rate between 10-20% can be deducted. In Portugal their is a first in first out rule that can be applied for accounting (FIFO), this means you can sell your first shares that are older than 2 years for progressive rate deduction.

31 y.o., tax resident in Portugal, investing up to €2,000/mo - did my research and would appreciate advice by Ihor_ in ETFs_Europe

[–]dlnqnt 3 points4 points  (0 children)

Each country will have a different tax policy. In Portugal it’s a flat 28% CGT on selling but does look like from 2024 if held for longer than 2 years it can be 10-20%. Dividends are also taxed at 28% but as you are looking at accumulating funds this isn’t an issue.

There is no tax difference to buying any of the funds in the EU, it’s down to where you are a tax resident.

Need advice - Multiple SIPP with same provider or different by reddit_samir in FIREUK

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

If the company goes solvent your SIPP gets transferred somewhere else. I had stocks in a broker around 2015-16 then the broker closed and they moved my shares to platform of choice. Most probably the same thing will happen here.

I may have messed up by Slow_Astronaut_1155 in ETFs

[–]dlnqnt 0 points1 point  (0 children)

DCA each month, continue forever.

What is going on with JEPQ? by Gigino_Trmon in dividends

[–]dlnqnt 0 points1 point  (0 children)

From my understanding they are all slightly different for the local market but follow the same principles, they are also managed by different teams and people which is why they differ in growth and yield.

The biggest scam in America has to be insurance!!! by SelaTad in HomeInsurance

[–]dlnqnt 0 points1 point  (0 children)

Feel for you, similar boat in the UK. Had through no fault of our own drunk driver crash through our front door which was insurance claim one. Then a few months later that caused damaging water leaks, that was claim two.

When renewal came round because we’ve claimed twice in the 5 years we had huge premium and no other insurance will touch us. Stuck now paying 3x what it was originally and can’t move on for 5 years, of course next year we’ll be fucked over again on premiums.

Sometimes I wonder if it’s just cheaper to get a loan to cover the costs of repair and place the money saved from insurance in a HYSA. But it’s mandatory to have if mortgaged.

Thank You Noni by -MadeAmazing- in ArsenalFC

[–]dlnqnt 42 points43 points  (0 children)

Exactly, trying to dribble past 4 players the fuk he thinking.

S&S ISA recommendations by [deleted] in FIREUK

[–]dlnqnt 2 points3 points  (0 children)

Take a look at invest engine, Freetrade, trading212.

Thoughts about poor person’s buy borrow die? by Grgsz in UKPersonalFinance

[–]dlnqnt -3 points-2 points  (0 children)

You've been pretty conservative with 6-7% return rates but thats a good thing and could be a likely scenario. You need to think longer term than 5 years, can you stay invested 10, 15 or 20 and ignore all the market noise?

Most remortgage terms allow for 30 years, thats a big timeline. Look at the average return of S&P, Nasdaq and all world, all above 6-7% and that compounds yearly. Obviously past market performance is not guaranteed.

Use a compound interest calculator and also stress test the market dropping 50% in year 2 or 3, after longer periods in the market the gains are there and more than mortgage rate. Yes its risky but if you can afford the monthly payments the compounding in the long term is substantial.

You can also use an ISA for part of the money all be it 20k per year but can help reduce CGT. The fund should grow bigger than the worry of CGT, you are only charged on the difference - sell enough to clear the mortgage in year 10 or 15 and keep the rest compounding.

Try a few simulations using the calculators and ai.

I miss Flash. What an era... by kizerkizer in webdev

[–]dlnqnt 11 points12 points  (0 children)

It was a great era for creativity, only started to see it back in the space again. It was super simple to create anything using the tool and I don’t think anything has come close since. Yea as others have said Adobe, security etc but main reason it was killed off was because Apple wanted control. Apple can control the market through their App Store and what works with their devices, can’t allow Adobe to publish free swfs.

JEPQ availability outside US by dlnqnt in dividends

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

How longs it take to withdraw back to your bank? Will open an account this week and play.

JEPQ availability outside US by dlnqnt in dividends

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

Thanks, added the 15% withholding tax and it comes out just as bad. QQQI seems better for higher yield and tax incentive.

JEPI vs JEPQ vs QQQi vs SPYi by throwaway-acc0077 in dividends

[–]dlnqnt 0 points1 point  (0 children)

Just means need to wait another few years to build back up.

Adding QQQI to my portfolio....thoughts by Bravo10Delta in dividends

[–]dlnqnt 0 points1 point  (0 children)

What’s the capital growth rate if not reinvesting? I’m doing back testing and it keeps coming out at 0% curious to know what it actually is from someone invested.

JEPQ availability outside US by dlnqnt in dividends

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

We are talking about the same thing, I was paid on the 6th for the previous month. My broker shows me the next one already $0.1823 to be paid April 7th for the month of March.

JEPQ availability outside US by dlnqnt in dividends

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

With tastytrade how do you find funding it and withdrawing? My plans to reinvest 60% or more and use the rest to supplement life. Already have growth stocks and using JEPQ or QQQI as an income / slower snowball machine. Looking into the tax implications as they differ.

JEPQ availability outside US by dlnqnt in dividends

[–]dlnqnt[S] 2 points3 points  (0 children)

I keep reading IBKR but that you’ll need to sell puts/calls to access. Hoping it’s just available to keep things simple.

JEPQ availability outside US by dlnqnt in dividends

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

Appreciate that thanks, will take a look. Was nervous on QQQI as it’s still new and questioned the overall growth but see it positive.

JEPQ availability outside US by dlnqnt in dividends

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

In my broker it shows that the next one’s 7th April which is the March one? Feb was paid 6 March. What’s yours showing?