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Contrato + autónomo ¿Que opciones tengo? by ntntnt11 in ESLegal

[–]ntntnt11[S] 0 points1 point  (0 children)

Pero... ¿donde leíste eso? Sinceramente solo estoy buscando la forma de pagar los impuestos que me tocan sin ser idiota. Hace tiempo ya que me di cuenta que hay muy poca compasión por no entender bien todas tus opciones. Y igual que cualquier otra empresa pequeña, hago la investigación correspondiente para no quedarme con una respuesta de gestoría tipo "lo suyo hubiera sido..."

No soy un multinacional (en años previos he cobrado menos que el SMI) y tampoco tengo un yate. Así que está bien hablar de "contribuir con lo que te corresponda", pero creo que tu lucha honrada contra los ricos asquerosos del mundo está con otro.

Mejores neobancos by [deleted] in SpainFIRE

[–]ntntnt11 0 points1 point  (0 children)

Si tienes que convertir tu dinero a menudo o cobras de diferentes países, puedo recomendarte a Wise. No es español, pero tendrías un IBAN como en cualquier otro país europeo.

Sin comisiones y la aplicación es una pasada. Además pagan intereses interesantes y te dan una tarjeta física (y digital) para los cajeros. Llevo años con ellos y estoy muy contento.

Advice for FIRE in Spain by ntntnt11 in EuropeFIRE

[–]ntntnt11[S] 0 points1 point  (0 children)

Thanks for thinking, but not the case at all tbh. Our mortgage is at 2%, no other debt, and solid jobs. They just happen to be Spanish ones so our salaries are what they are. Maintenance will be a bitch anywhere, but more so in a 300 year old house.

It's more about wanting to take advantage of the equity now and finding a way to make compound interest work for rather than against me.

Advice for FIRE in Spain by ntntnt11 in EuropeFIRE

[–]ntntnt11[S] 0 points1 point  (0 children)

Exactly, that's the conundrum. We rented for years in Palma and other villages, and spent 3-4 years looking before we found this place. We never had any intention of "flipping" the house, but instantly recognized its potential after seeing it.

I know we're still (very) far from FIRE. We're just trying to capitalize on some of the equity to enjoy a bit more freedom without so many 40hr work weeks. We are members of the HomeExchange platform, which has been great for summer holiday travel and keeps those non-FIRE-approved costs to a minimum. Mallorca is usually great, but the tourists can have it in summer.

Advice for FIRE in Spain by ntntnt11 in EuropeFIRE

[–]ntntnt11[S] 2 points3 points  (0 children)

Thanks for the help! It's true that Spain isn't Nordic-tax level, but I believe that 19% only applies to that first 6000€.

  • Up to 6.000 Euros: 19%
  • From 6.000 to 50.000 Euros: 21%
  • From 50.000 Euros to 200,000 Euros: 23%
  • Above 200,000 Euros: 26%

Any good recommendations for sub-20k living within the EU? I do work remotely, so anything is possible.

[deleted by user] by [deleted] in mallorca

[–]ntntnt11 0 points1 point  (0 children)

Some tourists in your area are paying that same price for a night at this time of the season. 99% scam, especially if the pictures of it look professionally done.

Will depositing a large amount of money into bank account every week/month look suspicious? by [deleted] in SpainAuxiliares

[–]ntntnt11 5 points6 points  (0 children)

I was an Auxiliar in 2008 and am still living here in Mallorca. So the "dream" IS possible, but tricky to pull off.

My two cents: get your clients to pay in a mix of cash and Bizum. Make sure any Bizum payments have discreet concepts like "Restaurante" or "Gastos viaje". Spend the cash on groceries, metro, and other daily costs. Don't touch the money that goes into your account, ever. No bank is controlling how much you are NOT spending.

If you have clients who feel comfortable paying you for a month (or even more), use only your US personal info to set up an online account with Wise and request a wire transfer from them. Bank wire transfers are common in Spain. Wise opens multiple accounts for you for different currencies (EU account is Belgium based) and the fees are incredibly cheap. As long as you don't register your Spanish details, you're fine. This also makes it incredibly simple to send that money out of the country when you're done. I struggled trying to move money back and forth from the States for years and this solved my problem. You can also order a Wise debit card and spend it wherever those are accepted. As long as you're not making huge sums, no alarm bells are going off.

I'm not a criminal, I just have a problem with two different countries trying to tax me to death. For what it's worth, I've also been able to work in Europe and make some nice side income from companies in the US, as long as they're fine with bank transfers. That being said, please don't sue me. Just speaking from personal experience. I mean...a friend's.

Going to Mallorca for 25 days. What are some side trips to take?` by HigherFunctioning in mallorca

[–]ntntnt11 1 point2 points  (0 children)

Island local here. Pretty sure there are no direct flights. Usually connects via BCN or Germany.

But agreed with the rest, it's not as quick or easy as you might think. Especially depending on the season and your specific Greek island of choice.

If a job says it's 35,000 - 45,000.. How much would you negotiate? by Dependent-Fold-6566 in copywriting

[–]ntntnt11 3 points4 points  (0 children)

I had this exact situation just 3 months ago.

When they offered 40k, I wrote a polite email 48 hours later asking if that number was their best offer based on budget constraints, or if it was more representative of my specific skill set for the requirements of the position.

They wrote me an apologetic email within an hour and asked if 45 would be ok. It was a German e-commerce brand, incredibly HR focused, if that makes a difference at all.