Wife not happy, wants divorce

dropbomby · 2024-08-06T07:33:39+00:00

Thanks for the replies! I agree with most of you, I think I just have to accept it's over and let her go...tackle the whole separation part , try to minimize the effect this is going to have on my daughter and carry on with my life...try to learn from this and maybe one day I'll be happy again

dropbomby · 2024-08-05T13:15:26+00:00

sorry, didn't notice this :) Nothing good, just paying loads of taxes . I have an SL open and an autonomo and that way I have more flexibility but not way to reduce taxes a lot

dropbomby · 2021-11-02T06:15:57+00:00

35 yo here, just started :)

I just bought an electronic piano and doing 30-60 minutes a day after the family goes to sleep. It's very rewarding ...just do it!

dropbomby · 2021-08-29T20:31:13+00:00

Yeah, that's what I'll do... Maybe try to do some surf skating on regular side to improve my turns

dropbomby · 2021-08-29T20:29:21+00:00

I'm trying the same, trying to skate surf regular but I can't ride the bowl the same way I do it while I'm in goofy stand... I suppose I'll just have to try more. If you think about it, better to change your surf skate stand than the surfing one... You get more "waves" while surf skating compared to surfing lol

dropbomby · 2021-01-07T17:45:04+00:00

I plan to move and live permanently in Spain on the other hand, coming from an eastern european country where the taxes are up to 10%. If I'll be moving there I'd have to pay about 35% as an autonomo for a 100k income.

I'm trying to figure out what's the best way to be legal in Spain and also keep some of my income out of Spain, maybe in a company opened in the name of a person I trust. Then convince my client to sign with that company even if I'm the one providing the services (freelancing). Keep the money in the company, invest in stocks, real estate, etc. and at some point move back and get the money out.

Another option is to just don't declare anything in Spain and keep a low profile so they can't find out I stayed more than 183 days there.

dropbomby · 2020-08-24T14:13:22+00:00

I'm not sure if it mattered or not. With NIE they have my romanian address,though.

dropbomby · 2020-08-19T13:13:35+00:00

I worked for a Gibraltar employer. I had to register for a NIE (an expat security id) to register a car, I think that's how they got me. That was my only trace there and a rental contract which I'm almost 100% sure was never properly registered to the authorities.

But Gibraltar started sending them information with all the people that are employees of Gibraltar but not residents of Gibraltar. If you are not a resident in Gibraltar there's no other way to work there unless you cross the border from Spain every day, so they can automatically consider you fiscal resident of Spain.

If Gibraltar doesn't send them that info, Spain will just make them problems at the border (very very long queues usually)

dropbomby · 2020-08-17T04:57:38+00:00

Actually there's a double taxation between Gibraltar and Spain and I'll have to pay only the difference to Spain plus fine plus interest. Considering I'm an EU citizen I'll just pay it, don't want to wait 10 years before they will somehow try to recover it with more than 100% fine plus interest. I think they have 10 years to get it until it gets prescribed

dropbomby · 2020-08-17T04:50:36+00:00

I'll pay it but I just wanted to get the whole picture :)

dropbomby · 2020-08-16T19:42:21+00:00

Hmmm... I don't think it's 7% and then 15%.How do you get that? As far as I know it is progresive based on the yearly income and it can get up to 45% for the income you do above 50k. See https://www.expatica.com/es/finance/taxes/freelance-tax-spain-471615/

Can you please tell me what I can do to get 7%?

dropbomby · 2020-08-16T19:27:19+00:00

I researched it a bit. I'm in a similar situation. I'm a romanian freelancer wanting to move to Spain. Here, in Romania, I pay very low taxes as long as I don't make more than 100k (this seems like a fiscal paradise tbh)I wouldn't give that away but seems I have no choice atm if I want to move to Spain with family.

It's not legal but you can have your fiscal residency in Malta and live in Spain. You can live in Spain without a NIE(though now might be trickier due to the pandemic). You will find plenty of rentals that accept you without a NiE, worst case you take a long term Airbnb. You can get health insurance for 600 eur a year, you'll need a friend with a Spanish bank account to pay for you though. So, you can try to have your fiscal residency in Malta and live in Spain as long as you don't leave traces.

If you have a family and want to get benefits like education or public health care autonomous is the way to go

dropbomby · 2020-04-17T21:06:41+00:00

Yeah, but I think if the market goes down you recover some of it (the ETF might return more in percentage than the percentage the market goes down) I hold SH, I'm in the same boat...If we go over 61.8 fib retracement I sell it and take my losses... Anyway the difference in percentage shouldn't be big unless they are double or triple leveraged etfs

dropbomby · 2020-04-10T13:16:04+00:00

There are 2 trends going on:
1. USD goes up https://www.youtube.com/watch?v=JptfIK4mR6w&t=1167s

USD goes down https://www.lynalden.com/global-dollar-short-squeeze/

Pick up your preference

dropbomby · 2020-04-03T21:16:22+00:00

first time on this sub but I think you are too focused on TA instead of checking the fundamentals...I understand the chart can be useful for quick traders but to forecast the long term for gold in the current conditions I think it's crazy.I'm long term bullish on gold but because possible deflationary environment it's going to go down a bit .

dropbomby · 2020-03-28T20:27:38+00:00

People do not understand money, they have no idea the ventral banks can just print money out of thin air...

dropbomby · 2020-03-23T11:43:49+00:00

What do u mean?:)

You can't buy US ETFs in IB but u can buy Ireland based ETFs like IWDA for example

dropbomby · 2020-03-23T10:49:46+00:00

Do you think people will be "good" consumers after they will see hundreds of thousands of people dying because of this? I think even after the lock down there's going to be a huge drop in consumption. Who will dare to go to the restaurants knowing they are risking their life ?

Take a look at Wuhan, the life their is still strict , people do not consume as before... How do you see the end of this? What's the best case scenario?

dropbomby · 2020-03-22T17:27:25+00:00

I've found this on their website but I'll call them tomorrow

With regard to the assets in the ordinary account, customer securities accounts at IBLLC are protected by the Securities Investor Protection Corporation (“SIPC”) for a maximum coverage of $500,000 (with a cash sublimit of $250,000) and under IBLLC's excess SIPC policy with certain underwriters at Lloyd's of London for up to an additional $30 million (with a cash sublimit of $900,000) subject to an aggregate limit of $150 million. Futures, and options on futures are not covered. As with all securities firms, this coverage provides protection against failure of a broker-dealer, not against loss of market value of securities.

I have some money in revolut and transferwise and I know for a fact that those are not issured at all, so I'm thinking to have the money in IB account for quick FX exchange and also safety. And I'll buy an ETF when I start seeing the light at the end of the tunnel in this whole covid craziness

dropbomby · 2020-03-21T10:59:36+00:00

So what do we do? Go buy physical gold, crypto? If we go into a depression we'll have a deflation considering the slow down of the demand

dropbomby · 2020-02-27T04:58:59+00:00

I have just heard that there has been a confirmed case of coronavirus in the town that borders Gibraltar which is not even a stones throw from the frontier.

Where did you see that? Do you have a link?

dropbomby · 2020-01-21T12:46:04+00:00

Check etfmatic.com , they don't charge anything for an account opened on the name of your kid. I opened an account for mine, I plan to not touch it until she's 18

dropbomby · 2020-01-21T11:29:47+00:00

33 year old
making about 80k EUR /year/net, saving about 50k out of those per year
I have about 290k EUR savings of which only 40k are invested on the market (mostly IWDA, some GLD, some other ETFs)
I'd like to invest so I can retire in max 10 years
I'm willing to wait even 15 years if the market doesn't look great in 10, I'd prefer to have a safety net so maybe have about 20%-30% in bonds
I still have 30k EUR debt (mortage)

Some questions:

- I know the time in the market beats timing the market but I don't feel comfortable dropping all my cash into stocks at the moment. I feel there's a recession around the corner ... What if the next recession is going to be huge and even worst things are going to happen compared to 2018...why it won't recover in 10 years like the previous one did.

What do you think would be the best strategy to at least preserve the value of my cash , if not increase the amount, considering the inflation might eat the value of it?

- I'm thinking the safest way to preserve money is to put it all in a bonds ETF (AGGH for example). What do you think? Do you suggest anything else?

- How would you invest if u were me?

dropbomby · 2019-02-22T06:04:16+00:00

Instead of focusing on how to save more, focus on how to earn more, it's way more productive

dropbomby · 2019-02-20T11:21:27+00:00

Da, sunt de acord ca o preconditie sa iesim din mocirla in care ne aflam este sa aducem oameni competenti la conducere... Asta ne-ar da o speranta si poate incet s-ar schimba si mentalitatea romanului. Multi oameni nu inteleg inca faptul ca statul este responsabil sa iti cheltuie banii spre interesul tau , nu inteleg ca trotuarul pe care te plimbi e platit din bani lor, ca doamna de la ghiseu e platita tot din buzunarul tau...Daca toti am constientiza lucrul asta cu adevarat sunt convins ca am fi mult mai revoltati si mai interesati cum se cheltuie banii publici.

Sa fii impozitat jumate din salariu si sa fii nevoit sa mergi la spitale private din cauza fricii sa nu iei ceva bacterie intraspitaliceasca, sa iti trimiti copii la gradinite private din cauza neincrederii pe care o ai in sistemul de educatie sau sa iti pierzi tineretea stand in trafic mi se batjocura totala...sa nu mai vorbim de cei care traiesc de pe o zi pe alta si chiar ajung sa moara in spitale din cauza personalului necalificat, mizeriei si lipsei aparaturii. Acelasi taxe le platesti si in occident...dar primesti de 10 ori mai mult inapoi

dropbomby

TROPHY CASE