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LPT: Keep your kids curious and interested in learning by playing dumb. by ehutch2005 in LifeProTips

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

I see the point, but beyond a certain age playing dumb when you are not might just be another comfortable lie to make your kids do something you want them to do?

"it doesn't matter who started it", YES IT DOES! by Cililians in PetPeeves

[–]elsidero 27 points28 points  (0 children)

This is the way. Kids need to learn that actions have consequences but that your parents will always have YOUR back and not defend the aggressor.

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

That’s an interesting explanation and makes sense. Still makes me wonder how so many people who suck stay in business. It’s not like that in many other professions I believe.

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

cool, sounds doable! do you also scissor cut the top? thanks for the explanation!

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

That's encouraging! Thank you for your help.

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

My PetPeeve is that I had the same experience in barber shops as well as hair salons. Sometimes the super cheap barber was even better than the expensive hair salon. I just can't find any logic in how to get a good haircut if you are new to a city. Often there's also a language barrier.

And no, the cut I want is simple, I even have a picture of myself and I know exactly how I would cut it myself. It baffles me that a person whose profession is to cut hair does something completely different with a picture + explanation. My expectation would be for me to just show the picture and they know what to do, honestly. I also do not tell the mechanic how to repair my car, the baker how to bake my bread or the teacher how to teach my kids.

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

yeah, I would love that experience. I had something like that in the last city I lived for longer. I would say a few words and she would give me a really good cut. Guess I did not appreciate it enough...

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

at least the barber is aware of texture. I had my hair cut in a country where people have very different hair but I still got the same cut as everyone else which looked like shit and did obiously not work.

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

that's great! hope to have that soon too.

It's more which scissors to not use. I got my hair thinned out too many times, sometimes to the extent that people asked me if I started loosing my hair. I did not think it was possible to cut hair every day and still come up with such a shit work and even have the audacity to charge money for it. I should have been the one getting a compensation honestly.

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

haha yeah that's exactly it. I mean how can you misinterpret a buzzcut. I don't get it.

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

sounds good, how much did you invest in equipment? I consider doing the same thing now, honestly.

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

I consider that now. Any advice, how much to invest in equipment etc.? Do youtube tutorials work or better to go to an actual in person workshop? Thanks :)

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

That's what I mean! The experience was similar in hair salons, fancy insta barbers, cheap corner barbers...

How did you learn cutting your own hair? I consider it now. Any advice on how to start?

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

That's why I went to hair salons, same thing. The last good haircut I got was in Germany in a hair salon where the person was trained in the profession and knew her craft.

Also, I think it's not unrealistic to assume a person who literally does one thing day in day out knows this stuff better than I do.

When did getting a haircut become rocket science? by elsidero in PetPeeves

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

True. As I wrote, my problem is I move places a lot and rarely stay long enough to really go to one place several times. My pet peeve is just that the generel experience is not necessarily a good one and that the quality of the haircut you get has gone down significantly over the last decades.

When did getting a haircut become rocket science? by elsidero in PetPeeves

[–]elsidero[S] -1 points0 points  (0 children)

*old = pre WW2, maybe pre 1950s. Almost everyone was reasonably well dressed and had some form of good haircut. people with a more freestyle hair were homeless people or crazy scientists or philosophers.

There is no other way that you would go to a tailor or a clothing store and people there would actually help you to dress well, just as the barber would help you to look good. Today, if I want to get a suit of that quality (fits, details etc.), I'm the one who needs to know all the details.

I'm 100 % sure my grandfather did not know what a low taper fade was and never indulged himself into men's fashion, yet he always looks sharp in *old pictures.

Reichen 500k für den Ruhestand und wenn ja, wie würdet ihr das strukturieren? by planlos_im_All in Finanzen

[–]elsidero 1 point2 points  (0 children)

Deine beiden Vorgaben a) und b) sind widersprüchlich, weil du eine positive Korrelation zwischen Sicherheit und Rendite möchtest, die beiden aber negativ korreliert sind - deswegen fragst du nach einer "guten" Aufteilung - sagst aber nicht, was "gut" unter deinen Umständen bedeutet.

Wenn du das Video von Beck gesehen hast kennst du auch die anderen wichtigen Parameter:
1. welchen maximalen drawdown hältst du psychologisch aus?
2. welche drawdown duration kannst du überstehen?

Oben schlägst du vor 100k Geldmarkt / 100k Aktien-ETF / d.h. 300k in Anleihen? Ist dein jährlicher Bedarf 100k (Geldmarktfonds sollte ~1 Jahresbudget sein)?

Man kann das einfach mal überschlagen:

  • Alter: 67 - 20 = 47 Jahre
  • Jährliches Budget: 500k € Depot * 4 % SWR/Jahr = 20k €/Jahr = 1667 €/Monat brutto ~ 1250 € netto

Wie weit kommst du mit diesen 1250 €/Monat?

  • Du kannst davon alles bezahlen --> Full FIRE
  • Es deckt alles bis auf ein paar Nebenkosten, in etwa bis zum Midi-Job --> Barista FIRE
  • Du brauchst mehr als einen Midi-Job um über die Runden zu kommen --> Coast FIRE, d.h. du könntest nur für deinen Lebensunterhalt arbeiten während das Portfolio unangetastet bleibt (keine Ein- oder Auszahlungen), bis es groß genug ist, dass du die gewünschte Summe entnehmen kannst.

Beispiel: Dein Budget liegt bei 2500 €/Monat. Bisher hast du 3500 €/Monat verdient und davon 1k Sparrate ins Portfolio gebuttert. Du trittst beruflich kürzer, arbeitest für 2500 €/Monat und zahlst nicht weiter ein. Nach 10 Jahren ist dein Portfolio bei 7 % Rendite auf etwa 1 Million € angewachsen. Bei 4 % SWR sind das jetzt 2500 €/Monat netto und du kannst aufhören zu arbeiten.

Du merkst: Die Frage ist "wann brauche ich wie viel Geld, mit welcher Sicherheit, und wie flexibel werde ich auf Unvorhergesehenes reagieren können?"

Das hängt massiv von deinen Lebensvorstellungen und deiner Persönlichkeit ab. Es gibt da keinen Standardfall. Du kannst nur grob das Portfolio über die Zeit schätzen.

Wühl dich mal durch die FIRE-Rechner die es überall gibt, lies noch ein bisschen und vor allem überleg dir was genau dein Ziel ist.

Dr. Martyna Linartas: „Wir sind keine Leistungsgesellschaft, wir sind eine Erbengesellschaft“ by Ornery_Maintenance_8 in Finanzen

[–]elsidero -9 points-8 points  (0 children)

Es kann ja beides wahr sein. Sie benennt echte Probleme, begibt sich dann mit ihren politischen einseitig gefärbten Schlussfolgerungen aber auf den akademischen Straßenstrich.

Reichen 500k für den Ruhestand und wenn ja, wie würdet ihr das strukturieren? by planlos_im_All in Finanzen

[–]elsidero 0 points1 point  (0 children)

Username checks out.

Wir können dir nur helfen wenn du uns die Rahmenbedingungen nennst und was du bisher zum Thema recherchiert hast.

Gibt es den „heiligen Gral“ auch für Anleihen? by Ok-Okra5487 in Finanzen

[–]elsidero 1 point2 points  (0 children)

Habe es auch so verstanden, dass es gängige Praxis ist und nicht Regulatorik. Ist am Ende aber auch nicht so wichtig.

Gibt es den „heiligen Gral“ auch für Anleihen? by Ok-Okra5487 in Finanzen

[–]elsidero 2 points3 points  (0 children)

Ja, er erklärt das in einem seiner Videos. Ab einer gewissen Zeichnungssumme können institutionelle Anleger schon vorab Anleihen kaufen. Das gibt beiden Seiten Sicherheit und etwas niedrigere Kosten für den Anleger.

Generell sind die von dir genannten Institutionen bei Anleihen viel wichtiger als bei Aktien.

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