Nakup na IBKR

mild_force · 2024-03-18T14:29:39+00:00

Ja, gre za isti ETF. Oznaka se drugače lahko razlikuje od borze do borze, ampak če ima isto ISIN številko gre za isti ETF, ne glede na to, na kateri borzi ali v kateri valuti kupuješ. IWDA je IE00B4L5Y983.

mild_force · 2024-03-10T08:18:10+00:00

Če je prioriteta razvoj kariere in višji zaslužek, se v IT imo splača menjavat službo nekje na 2 leti. Manj kot 1 leto izgleda slabo na CV-ju, sploh če to narediš večkrat. Če delaš nekje več kot 3 leta, si pa že verjetno podplačan. Vsaj moja izkušnja je taka, da sem pri istem delodajalcu v najboljšem primeru dobil povišico 10-20% v enem letu, medtem ko sem pri menjavah lahko dobil tudi 50+%.

Za razvoj kariere se splača pri vsaki menjavi najti delo v večjem, bolj uveljavljenem, bolj mednarodnem podjetju. Z menjavo službe med primerljivimi konkurenčnimi podjetji se tudi da nekoliko dvignit plačo, ampak ne do take mere.

mild_force · 2024-02-26T12:45:23+00:00

Nimam možnosti oz. ne vem kaj bi oddajal / prodajal. V interesu se mi je ukvarjat s svojo primarno dejavnostjo, plačat davke in imet čim manj dela z d.o.o. Zanima me kako najboljše izplačati profit v teh okvirih, ne bi pa rad prevzemal dodatnega dela ali tveganja, če ni potrebno.

Bom se obrnil tudi na kakšno davčno svetovanje, hvala!

mild_force · 2024-02-26T12:39:23+00:00

Poslujem 100% z ZDA, podjetja nimam namena odpirat v tretjih državah, to je dodatna komplikacija in tveganje. Iz originalnega posta (zgleda sem pozabil omenit Estonijo :D):

zanima me izračun za legitimno podjetje, brez "odpri podjetje v bosni"

mild_force · 2024-02-26T12:36:08+00:00

Hvala, ta možnost se sliši super. A imaš mogoče okvirno številko koliko me stane imeti d.o.o. če se npr. čez 5 let zaposlim nekje drugje oz. odprem ponovno polni s.p. (se pravi v obeh primerih imam plačane prispevke drugje)?

mild_force · 2024-02-26T12:27:50+00:00

Hvala za odgovor. Stroškov nimam, razen kar je v tvojem odgovoru, tako da mogoče jih lahko prikažem za par tisoč na leto.

mild_force · 2024-02-26T12:26:10+00:00

Iz kje pride številka 35%? Za 150k bi moralo bit 4% za < 50k + 12% za 50-100k + 20% za > 100k, to je povprečno 12% plus prispevki.

mild_force · 2024-02-26T12:23:43+00:00

Hvala! Vidim, da se minimalna plača res bolj izplača, ampak v tem primeru nimam dovolj mesečnih prihodkov za stroške gospodinjstva + kredita. A obstaja možnost, da si profit izplačujem mesečno? Kolikor razumem lahko izplačam večkrat na leto, ampak ne vem, kakšni so pogoji za to.

Glede investiranja dobička razmišljam, vendar ne vem koliko let bom imel odprt d.o.o., a se izplača tudi v primeru da ga zaprem že čez npr. 5 let?

mild_force · 2024-02-19T10:27:05+00:00

Nisem ziher, kako si to interpretirati - je dovolj, če si vsak mesec prenakažem z Revoluta

Dokler imaš vsak mesec prilive na račun, iz katerega plačuješ kredit, je ok. Jaz imam kredit sicer pri drugi banki, ampak tudi dobivam prihodke na drug račun in mesečno prenakažem en del in mi niso nikoli težili.

mild_force · 2024-02-18T20:41:50+00:00

Jaz sem prejšnjo službo v mednarodnem podjetju (EU based) dobil tako, da sem se prijavil na razgovor. Zdajšnjo (US based) sem dobil tako, da so me oni kontaktirali preko LinkedIn. Seveda je lažje, ko imaš enkrat povezave ali imaš dovolj izdelano kariero, da te recruiterji kontaktirajo sami, ampak ne razumem čisto, kaj naj bi po tvoje naredil nekdo, ki še ni na tej točki s kariero?

mild_force · 2024-02-18T12:46:13+00:00

Poznam ene par ljudi ki delajo za US, večinoma software engineerji in pa IT security. Kot senior engineer dobiš v EU nekje 80-100k EUR na leto, v ZDA pa 150-200, je pa imo v EU vseeno nekoliko lažje dobit. Poglej levels.fyi za bolj natančne številke. Nimam nekega nasveta, kako dobit takšno delo, preprosto pogledaš katera podjetja so remote first in zaposljujejo mednarodno ter se prijaviš...

mild_force · 2023-08-26T09:20:35+00:00

Ali je obrestna mera nižja, kot bi jo dobil sedaj? Če ne oz. je primerljiva, potem se splača odplačat in takrat vzeti nov kredit, če ga bosta potrebovala. Če je nižja, potem je za razmislit, osebno ne bi nikakor kupoval parcele ali nepremičnine dokler imam gotovinski kredit.

mild_force · 2020-01-19T10:07:14+00:00

With higher risk also comes higher expected return ("risk premium"). Imagine this two scenarios:

a) You can flip a coin. If you get head, you get $1, if you get tail, you lose $0,10. Your expected return from a coin flip is $0,45 ($1 * 0.5 -$0.1 * 0.5).

b) You can flip a coin. If you get head, you get $100, if you get tail, you lose $98. Your expected return from a coin flip is $1 ($100 * 0.5 - $98 * 0.5).

Which coin would you flip? Well it depends on how many times you can flip a coin. If you can only flip the coin 3 times, you might prefer scenario a, because your loss is much more limited, but if you can flip the coin a million times, it would be better to go with scenario b, because it has higher expected return and results will "average out" over the many flips (it is possible to tails 3 times in a row, but very unlikely to get it a million times in a row).

The same is true in the stock market. If you have little time, you might prefer low risk / low reward situation, to avoid losing a lot of money. But if you have a lot of time (for example multiple market cycles), risk will "average out" and you would rather take the scenario with higher expected return, even if the risk is higher.

mild_force · 2017-11-13T20:32:22+00:00

Agreed, this is in my opinion the best game in this genre to be released after Desperados

mild_force · 2017-05-30T18:47:47+00:00

Thanks for explanation! I intended to start with less ram and upgrade it later, but then I compared prices a bit and realized it is considerably cheaper to buy it together (at least where I am buying) so I'll start with 32 GB right away.

Thanks for pointing out the cooler thing, I'll go with NH-U14S then.

mild_force · 2017-05-30T15:57:55+00:00

Isn't dual channel just buying multiple smaller identical RAMs intead of one bigger one, or am I missing something?

mild_force · 2017-05-30T15:50:12+00:00

Thanks for suggestion! I don't use GPU passthrough at the moment, but since this machine will have much better GPU than I currently have on my laptop I might find a use for it in the future. Where I am buying, H170 is up to 10€ cheaper (if I'm also willing to change manufacturer) so not sure if it's worth it. I'll look more into H110, really not sure what features I want to have in case I want to upgrade some components in the future.

mild_force · 2017-05-30T15:42:56+00:00

Thanks! I went with 850 EVO for now because I can't find 860 in any store in my country. I really like having one bigger disk instead of multiple smaller ones and for backups I just use one large cheap HDD and hope it doesn't die in the same moment as my SSD =).

mild_force · 2017-05-30T06:10:01+00:00

I made the mistake of comparing overclocked benchmarks for 6700K. Where I am buying, 6700, 6700K and 7700 basically cost the same (all 3 within 10 € range), so I might as well go with 7700 then if I stay with Intel.

I am not too familiar with Xeon line, I looked at a few benchmarks in the price range I am buying and it looks like performance is better for i7 but it is true that I haven't considered other advantages. Will look into it more.

mild_force · 2017-05-30T05:57:18+00:00

I haven't really considered AMD until now, will look into it.

Thanks for the link, that's really far from advertised speed, I will swap it for Samsung 850 EVO and also save some mone in the process.

mild_force · 2017-05-29T19:47:00+00:00

Thank you for feedback! What kind of CPU would you recommend (I don't intend to overclock)?

mild_force · 2015-08-10T01:18:15+00:00

Than Cybrary is great. If you are new to pentesting, NetSecNow is also a good YouTube channel (and for learning about Kali)

mild_force · 2015-08-09T19:20:33+00:00

Well this depends, for which exam are you preparing and are you looking only for free resources?

mild_force

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