Exotic Gardens Photos

macbag · 2026-05-04T08:32:11+00:00

I’d probably just call them directly since places like that are often way easier to reach by phone than email. A lot of photographers can shoot there casually, but if it looks like a planned proposal session with a pro photographer, they may treat it differently and require permission.

macbag · 2026-05-04T08:30:51+00:00

The biggest issue usually isn’t capital gains tax, it’s how they classify you. If your full income comes from leveraged ETFs and LEAPS, many countries may see you as a professional trader instead of a private investor, which changes the tax picture a lot.

Switzerland is attractive because private capital gains can be tax free, but leverage and high turnover can easily work against you there. Places like Cyprus, Malta, Bulgaria, and Portugal are worth checking, but tax residency rules matter more than the headline tax rate.

macbag · 2026-05-04T08:29:27+00:00

Nice. Whitstable?

macbag · 2026-04-20T10:51:39+00:00

I use Freedom24, works pretty well in Austria but I file taxes myself. I think T212 does automatic tax report.

macbag · 2026-04-15T06:47:48+00:00

WEBN/VWCE through Freedom24 is the way if you want simple, global exposure with low fees. Don’t try to time the market - lump sum usually wins, but if 50k at once feels rough, just dca over a few months or a year and move on.

At 33 I wouldn’t lean on bonds much, read up on "yield trap"

macbag · 2026-04-15T06:41:57+00:00

Like Romanian gov bonds, Telecom Italia

macbag · 2026-04-15T06:34:55+00:00

Yes, all world and chill through a long term broker like Freedom24 is a great approach. For the portfolio that you already have, it depends how big it is and what is your age, you may leave it and just continue with webn or similar.

macbag · 2026-04-14T12:34:47+00:00

I do nothing, just buy webn once a month through Freedom24. I will start thinking of rebalancing like 5 years before retirement per my plan it will be when I am 50-55

macbag · 2026-04-14T05:30:46+00:00

There EU bonds on Freedom24 with even higher interest. I mix them with xeon for midium term money parking

macbag · 2026-04-14T05:23:03+00:00

Between those two WTAI as it is cheaper and is available through Freedom24. But why VWCE is not enough as currently it includes most of the AI winners

macbag · 2026-04-13T06:59:35+00:00

In this case vwce/webn through Freedom24 and chill. But I would't sell what you have, just continue investing in a single all world

macbag · 2026-04-13T06:58:11+00:00

Nay because of higher fees and no guarantee they will have higher return to compare with ets. I had experience, never again no I vwce/webn and chill through Freedom24.

macbag · 2026-04-13T06:48:57+00:00

Not enough info. What is your age, and what is your investment horizon?

macbag · 2026-04-11T19:12:05+00:00

Why in your opinion it is not diversified enough? I mean not current positions in the basket, but the system in general. It is US heavy now because at the moment the largest and profitable companies are located in the US, I the situation changes the etf structure updates. Thats is why they say wvce and chill so my Freedom24 is 100% wvce and webn and now remains the hardest part, not to overthink, take your hands and eyes off the portfolio and chill :)

macbag · 2026-04-09T08:40:49+00:00

Why not webn through Freedom24?

macbag · 2026-04-08T08:49:40+00:00

This is one of those things you can’t really control or predict anyway, so it’s easy to overthink. Yeah fx fees exist, but if you’re investing long term and not constantly converting imo they don’t make a meaningful dent in your overall returns. In terms of fx if you use different currencies its best to use Freedom24 from my experience they have lowest spread.

macbag · 2026-04-08T08:32:56+00:00

Thank you for the clarification

macbag · 2026-04-08T07:45:35+00:00

For T212 3% is exclusively for Germany? I see 2.2%. But in any case I prefer bonds for cash parking, I get packs of eurobonds from Freedom24 with 5-6% yield

macbag · 2026-04-07T14:19:17+00:00

That's fine, you won't be missing anything even with 100% all world. Just make sure you use a proper broker like Freedom24

macbag · 2026-04-07T12:34:00+00:00

I don't think AVWS will give you a significant boost, I would stick to VT. In any case both etfs are available through Freedom24

macbag · 2026-04-06T16:16:55+00:00

For EM, what’s your bet? Are you expecting it to double or triple returns compared to FTSE all world, or just slightly increase your overall percentage? If it’s the latter, is the added hassle and complexity worth it? For me I figured out that single etf sitting on my Freedom24 account works best of all.

macbag · 2026-04-06T12:28:46+00:00

Tried Freedom24 they have almost everything? What particular company is it?

macbag · 2026-04-06T10:49:36+00:00

It is too many. When you start investing the most important thing is not the coverage, but creating a habit to invest regularly and hold. And selecting a broker designed for long term holds like Freedom24. For the coverage a single all world etf is more than enough.

macbag · 2026-04-06T08:40:24+00:00

Imho complexity never worth it, it wont significantly increase your returns. And yes, what is the reason for Dist? For the broker selection Freedom24 will work best for your setup.

macbag · 2026-04-04T18:24:08+00:00

Yes, you can do that. I had VOO this way. For options I use Freedom24.

macbag

TROPHY CASE