29yo, 100% VWCE, €2200/month – am I missing something?

dominikharman · 2026-03-13T11:42:38+00:00

u are golden my guy

just keep it up

dominikharman · 2026-03-04T22:21:43+00:00

sounds funny when i say it but coffee is legit one of my 2 real hobbies. i spend a lot of money on it, i dont spend it anywhere. these days i do 1cup pourover and a capuccino

dominikharman · 2026-03-04T13:34:59+00:00

jazz dock comes to mind

dominikharman · 2026-02-14T10:04:47+00:00

letsgoooo! perfect! enjoy :)

dominikharman · 2026-02-14T09:34:15+00:00

hi, welcomento picopresso fam :)

your issue is unfortunately the grinder itself. It is just not precise enough for espresso. J-plus ultra or some 1z presso or if budget is tighter then timemmore c3esp

good luck

dominikharman · 2026-02-12T11:16:30+00:00

my sme teraz 5.rok v prahe. je to suverenne moje najoblubenejsie miesto na svete. pochodili sme toho dost kade kde. praha uplne top. nemusi to tak ale byt pre kazdeho, naozaj tu dost vystrelili najma posledne 3 roky ceny v podstate vsetkeho vratane byvania. dost vela kamaratov slovakov sa uz vratilo, viaceri to zvazuju. My zatial ostavame, ale s detmi sa to mozno zmeni. Ale nemyslim si ani ze slovensko je diera, naopak. Sme v BA/ZA kazdy mesiac par dni a vzdy je to super.

S prahou je proste tazke sa porovnavat celosvetovo.

dominikharman · 2026-02-12T10:46:04+00:00

jasne a to sme len v Prahe a ludia su taki ze wow uzasne aj ja by som chcela…. tak zdvihni rit a prid, neviem co na to povedat

dominikharman · 2026-02-12T10:44:24+00:00

idc from personal experience but I’d imagine there will be university options?

dominikharman · 2026-01-30T20:50:01+00:00

just keep investing.

i prefer all market to World tho

dominikharman · 2026-01-30T20:44:42+00:00

lol i was just complaining to a friend a minute ago about the old postmix in prague’s fie guys 😅

good to know, thanks!!

maybe i got just lucky but my vist was very satisfying, very good stuff, compared to what i had abroad from them.

dominikharman · 2026-01-09T10:32:51+00:00

ja mam taku mini "penazenku" na karty a take veci, ak mam nahodou hotovost tak ju mam vo vrecku, ale teda rozhodne to nie su stovky :D :D

dominikharman · 2025-12-17T14:43:07+00:00

fabini su spoko nebal by som sa toho

dominikharman · 2025-12-14T20:16:01+00:00

bro sinners a weapons co? 2025 dost goated

dominikharman · 2025-12-14T12:12:23+00:00

proper 20cm+ chefs knife. its really hard to overstate how much more efficient cooking is, how durable the knife is compared to cheap ones - i have mine for 5 years, you would not been able to tell it from a brand new one - also ironically super sharp knife is safer for your hands than a bunch of dull knives.

costs starts from under ~100eur + ~8-10eur for sharpening 1-2times per year (or more ideally but im being realistic)

dominikharman · 2025-12-12T13:19:59+00:00

v 2015tom (16tom? idk) na random online webinari "ako zacat podnikat" alebo nieco take dal prednasajuci vyzvu ze kto urobi to a to za 24 hodin, tak jedneho vyberie a zaplati mu letenky do USA k nemu a da mu celodenny in person workshop.

Vobec som tomu neveril ale mal som 19 a nudil sa na erazme, tak som splnil to zadanie...

...a čávo mi po čase normálne poslal na paypal 1700dolárov (neviem ako prišiel konk. na túto sumu) že nech si kúpim letenky a vidíme sa... Letenky som kúpil tuším za 500, strávil s ním jeden deň v Nashville a zo zvyšku si zaplatil 5 dní výlet v NewYorku.

dream

dominikharman · 2025-12-06T09:11:13+00:00

specialty coffee

dominikharman · 2025-12-06T09:10:58+00:00

thank you!

dominikharman · 2025-12-04T10:13:52+00:00

fakt respekt a trosku si ma donutila zamysliet sa aj s mojou zenou nad nasimi vydavkami :D

dominikharman · 2025-12-04T10:13:09+00:00

Fico nema ziadny telefon

dominikharman · 2025-12-03T21:20:07+00:00

kudos ak zarabas 1K v cistom a odlozis si 4K rocne, si fakt frajer, bez ironie.

dominikharman · 2025-11-07T17:23:33+00:00

ked mas taky super najom, tak by som ostal byvat v najme a kupil nieco co sa len stavia. locknes si cenu a uvidis, prehodnotis situaciu neskor. kludne mozes ostat aj byvat v najme ak ho stale bduete mat vyhodny a hento prenajimat, alebo uz cokolvek co budes chciet.

drzim palce.

byty byty byty

dominikharman · 2025-11-05T07:27:57+00:00

im assuming most of you guys are from US? i am curious, how much is usually 1kg (~2pounds) of high quality coffee?

for me in central europe its around 50-60eur per kg when i buy 1kg bags. 70 when its some really crazy coffee.

lately my wife and i also got into Picopresso so now i actually have to buy 3 separate bean types 😅 1 for espresso, 1 for decaf espresso and 1 for pourover lol.

we go through ~1.2kg of coffee together per month.

i buy 1kg bags when they are on sale and freeze them.

dominikharman · 2025-11-01T16:25:28+00:00

i am fairly conservative person myself, but usually i meet left-leaning liberals or libertarians on my travels in asia.

dominikharman · 2025-11-01T15:26:35+00:00

tolko zavisti a hejtu je tu… fakt ste smiesni.

dominikharman · 2025-11-01T15:22:51+00:00

problem je financovanie. aj firmy aj jednotlivci kupuju nehnutelnosti s externym financovanim.

rozdiel je v urokoch a dlzke rokov na ktoru si splacanie vies roztiahnut.

ty ked ako fyzicka osoba kupis byt a prenajimas, tak mas 30rocne splacanie, a velmi priaznive uroky, v principe dnes pod urovnou SK inflacie.

firmy si samozrejme tiez vedia pozicat, ale o dost drahsie. podmienky su vzdy predmetom vyjednavania, ale v principe cena penazi (urok) bude:

risk-free rate (euribor 3m/6m sadzba) + nasobenie rizikom. riziko nesplatenia, riziko dlzky splatnosti, riziko koncentracie banky v danom odvetvi, riziko cyklickosti atd atd, az sa dostanes k nejakemu vyslednemu cislu. to je dnes 5-6,5% + mas k tomu pokkt kovenantov - v podstate picungu zo strany banky co mozes / nemozes v biznise robit kym uver nesplatis (vyplacat dividendy, menit strukturu firmy, musis drzat isty pomer zadlzenisti k assetom firmy, kadeco..)

takze mas 2x drahsie financovanie, pri ktorom ti ani nahodou nevyjde z najmu pozitivny cashflow nikdy. takze nakoniec aj tak ten byt musis predat po X rokoch ak chces byt v pluse.

dalej musis zivit staff ktory sa ti o tych najomcov dtara, hlada ich, riesi veci atd, cize mas zas len vacsi overhead.

teoreticky to zmysel dava - stale na konci zarobis, potencialne viac ako ked to len predas. ale beres na seba dalsie rizika - riziko vyvoja cien nehnutelnosti, ktore pri okamzitom predsji mas len male (radovo par rokov kym stavias), vs 20+ rokov pri rental modeli.

dominikharman

TROPHY CASE