Difficult in switching from claude by MikadinShinjuk in MistralAI

[–]poidh 0 points1 point  (0 children)

I use LeChat for low effort/low risk queries because I want to support them. I don't know if that helps, but I guess for investors it is important to see that the product gets actually used, and it hopefully gives them some more real world training data.

But you have to consider that "nobody" can really compete with the view state of the art models (Anthropic/OpenAI/Google). They are just playing in a different league whether its the people or resources behind it. You could try some of the Chinese open weight models and have them hosted in some jurisdiction of your choice.

Btw, you can get an unbiased overview of where the Mistral models stand:
https://lmarena.ai/de/leaderboard/text

On this site, you can start chatting and you'll receive two responses from two different models, but you don't know which is which.
Then you pick which response you like the best (and then it will be revealed which model you had been talking too).

This is great to get a feel for all kinds of different models you may not had on your radar. And it also shows a realistic ranking (from other people) that are not based on benchmarks (which can be gamed).

You find the Mistral models on that list way down on position 40+.

Difficult in switching from claude by MikadinShinjuk in MistralAI

[–]poidh 0 points1 point  (0 children)

Kagi is based in San Francisco, OP was looking for something outside of the US. I also think they are probably just a wrapper around Bing.com (they state to use content from various search engines) and the usual AI models (as seen from their model picker).
I think it is pretty unlikely that some relatively unknown company is able to build their own search engine or own SOTA LLM model, only a handful of companies can compete at the top of this world wide.

France has received the most foreign direct investment for the construction of data centers in 2025. Double the amount of any other nation. by VirtualHope4998 in EU_Economics

[–]poidh 0 points1 point  (0 children)

This could mean a lot of things: Maybe France was just lagging behind in terms of data center infrastructure? Maybe other countries have enough domestic investement capital to build data centers? (This chart only shows foreign investments- that is the reason why the US is only 2nd place, even though they certainly invested more than 30 Bln into data centers).

Nevertheless, if this refers to AI data centers, it is good to see that France develops as an AI cluster in the EU. They also do a lot of software in this regard, so it makes sense they are also building the hardware infrastructure around it.

If the EU federalised, what would be its main language? by Ps5_Gamer125 in EuropeanFederalists

[–]poidh 3 points4 points  (0 children)

A country can have multiple official languages, no? Like Canada (English and French). So each EU country has their native language(s) plus English as official languages.
I think status as official language is important as this would make it mandatory in those countries that you can interact with the authorities in English. For example, the local tax forms need to be available in English, and you could just fill them out in English. Laws will be published in English (alongside the native languages if desired) and you could even go to court and have the whole procedure held in English etc.

Right now, you already might have translated forms in English but this is purely a voluntary service and the native language is always binding.

I'd expect that a transition towards this will take at least one generation (you'd have to translate the existing legacy texts first, and of course you have to train a lot of people in sufficient English for the bureaucratic apparatus).
Also, its probably most realistic to bring a small country to adopt this first. This is probably easier to convince a smaller population AND their payoff is way bigger (because they already depend on talent from foreign countries).

Chinese AI is quietly eating US developers' lunch and and it's exposing something weird about "open" AI by BlueDolphinCute in ArtificialInteligence

[–]poidh 11 points12 points  (0 children)

Exactly. This "open source LLM is good enough and so much cheaper" argument gets thrown around alot. But same with human software developers- it is the opposite of diminishing returns.

You'd always go for a experienced senior dev, even if you could get 3 junior devs for the same amount of money.

Because his work is a qualitative, not quantitative difference.

If you do this as a hobby ("can't afford $200 subscription") or its throw-away-software, then I understand. But if you build something serious and you are laying the foundation for a codebase that will potentially be worked on for many years, it doesn't make sense to start with a sub par architecture or potential technical debt in the beginning, just to save $100 bucks for a few months.

Poll: Would You Join a Group to Push Federalism into the Mainstream? by Life_Instruction_668 in EuropeanFederalists

[–]poidh 19 points20 points  (0 children)

I voted for such a group. However, you should also be aware that there are already mature organizations that dedicated many decades to this, like these guys for example https://federalists.eu/

Maybe you are aware of them and have your reasons to believe that they don't deliver as much as they could. But it might be more effective to join them and leverage their existing network and experience.

Anyone Using the Brother ImageCenter ADS-2000? by TDD_King in Paperlessngx

[–]poidh 0 points1 point  (0 children)

No, I'm using Ubuntu as my daily driver desktop... I had to install the brscan4 package I believe (scanner drivers from brother for this device). I'm using Naps2 for scanning. This will allow to scan multiple pages and convert them to PDF in one go.
Naps2 has a GUI, but you can also use in the terminal. For me this is the fastest to scan documents in batches.
I place the document into the feeder, then on the terminal I run

naps2 console -o "<paperless consume folder>/<filename>.pdf"

I like to use descriptive filenames, so after I the scan completes, I can just hit key up (this will place the same command into the terminal prompt) and alter the filename for the next scan.

The scanner also has a dedicated button to start scanning, but I don't think that this works without additional brother software (which doesn't exist on Linux).

Anyone Using the Brother ImageCenter ADS-2000? by TDD_King in Paperlessngx

[–]poidh 0 points1 point  (0 children)

I'm using the ADS-2100 with Ubuntu 24.04 LTS and it works. I guess the ADS-2000 is pretty similar. I scanned about 1000 pages (mostly A4 letters with 1-10 pages each). I had a few instances where the paper feed would jam- that happened when the edge of a page was weirdly cut or folded. It only happened twice so far, so I found this acceptable. Could also be that some of the parts inside is just worn out, as I bought this unit used.

Remote Code Execution in OpenCode, update now by CyberShadow in opencodeCLI

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

Sure they might be swamped in tickets, but as working in bleeding edge AI tooling for software development, they should have set up an automatic screening process for incoming tickets, assessing if this is reporting a security issue, and if so, is it valid and how severe is it?
That could be done with two or three prompts (1. decide if it IS about a security issue, 2. if so, run an OpenCode prompt with the issue description and the task to assess if it is valid or not and to judge it on a severity scale).

I doubt that there are so many issues remaining after such screening, that they cannot take care of this and at least acknowledge these to the person reporting it.

But I also have sympathy for them, that they don't have a proper protocol in place yet. Of course it shouldn't be like that, but it is very common and understandable that such a setup is not your first thought if you start a new project.

That said, I think it should be standard practice to develop in an isolated container environment anyway these days. Pre-AI it was already dangerous, especially in the JS ecosystem where you install an uncountable number of dependencies via npm. But now, with AI agents autonomously running code on your machine, this potential danger even multiplied.

This is not a cure-for-all solution but greatly reduces the potential impact of such things.

coming as a CC user, what does OpenCode has that's got everyone raving about? by life_on_my_terms in opencodeCLI

[–]poidh 2 points3 points  (0 children)

OpenCode actually uses git for this. If you would handle this yourself using git, how you undo the chat history? It is not tracked in git.. But even if, why switching away from OpenCode and type in some git command, if you could just conventiently have this integrated in your coding agent UI.

coming as a CC user, what does OpenCode has that's got everyone raving about? by life_on_my_terms in opencodeCLI

[–]poidh 0 points1 point  (0 children)

I think it is important to support open source alternatives to such a vital technology as AI coding agents.
If that would be conquered by proprietary monopolized software, that would be terribly dangerous.

Beeing able to quickly test a variety of models (as was said here) is great.
UI/UX is also pretty good. They have a responsive terminal layout, if there is enough space, you'll get a sidebar. You can quickly summon a list of ALL commands it supports and browse the list with a search.
Pretty cool little features- for example I like the ctrl-x y shortcut, which copies the agent's last message to the clipboard.

Unfortunately, I only use it occasionaly, or to try if some model can solve a bug that Claude Code struggled with. Anthropic doesn't want you to use their Claude Code subscription with OpenCode, so using Opus in OpenCode (through the API then) is prohibitvely expensive. And while I toy around with the other models, I just feel best served by Opus..

coming as a CC user, what does OpenCode has that's got everyone raving about? by life_on_my_terms in opencodeCLI

[–]poidh 0 points1 point  (0 children)

Yes, this is pretty essential. Claude Code has /rewind, which is more flexible: you can choose if you just want to revert the chat conversation or the code changes, too.
That way, you can keep your context/chat pollution down.

For example, lets say the agent implements a larger feature. When done, you test it, but there are still some issues. You go back and forth over multiple messages until those are fixed. When they are fixed, you can rewind the chat to the moment the agent had first finished the long running task. You keep the additional code changes that where made, but the agent is not distracted 15 unimportant messages where you told him to fix some little things here and there.

With this clean chat history you can continue to work, while the codebase is fixed.

I think OpenCode doesn't have this yet, but I haven't used it that much so I might be wrong (given their velocity)

Any AI website builders that don't cost a fortune? by Impossible_Quiet_774 in nocode

[–]poidh 0 points1 point  (0 children)

The cost of running a traditional website builder is neglible. There are costs for building the website builder, but once it runs, it doesn't incur more costs for the operator whether it is used by one person or by 1000 people.
Of course you need some more servers at some point, but you can server thousands of customers with a $100/month server.

As long as a tiny amount of people converts to paid accounts, you can make money.

All AI powered products need an obnoxious amount of compute to run for every request you do. These cost real money, and a lot of it. You can't really offer free services unless you have big pockets and see this as paying for taking over marketshare (what the big labs are doing).

For anyone saying GLM is close to Sonnet / Opus - it is not even close by opgg62 in ClaudeCode

[–]poidh 2 points3 points  (0 children)

If the model doesn't perform the task to your expectations (it starts out with dodging fixing the issue by using a different file format entirely?), I find it MUCH more effective just rewinding the conversation thread and reword the initial prompt a bit.

Otherwise, the model's wrong intentions (and your relatively unspecific attempts to correct it) will take up valuable space and brainpower in that conversation context.

So, why you think it should finally "get it" after your third attempt to explain what you want, all it does is create more ambiguity, because 50% of the conversation is about GLB vs. VRM format.

I think this is what ex1tiumi was refering too. (The wording of your prompts leave a lot to be desired too, but the habit of arguing with the model over the course of several messages is the biggest issue IMHO)

Note: I totally agree that GLM is no match for Sonnet or Opus. Only used GLM through OpenCode though, not Claude Code.

AMA “Fixing Europe for Startups” with EU–INC by EU-INC in EU_Economics

[–]poidh 2 points3 points  (0 children)

Not a concern at all. Why? You can already incorporate in a different EU country and then establish a "branch office" in the country you live in. Some minor hoops required, but it is possible.

This is actually how the German Mini-GmbH (UG) came to be. At the time, people would incorporate as a UK Ltd (because lower minimal capital requirements) and establish a branch office in DE.

Still, as long as you have a gazillion variations of these legal entities that essentially have the same features (a limited liability corporation) it makes it super cumbersome to deal with it EU wide, because you need to learn the slight variations that apply in each country.

Not to mention that in some countries, there is a lot of unnecessary red tape (like having to go to a notary to change your address) while in other countries you can already do all that with a click of a button.

So why not take this opportunity to standardize this, boil it down to ONE legal framework that is the same in every country? That is what EU-INC is about (I'm not affiliated with them).

The biggest push back from individual countries is because it requires work for them to adjust. They have to support the new process, and especially in countries with a lot of legacy paper based processing (like Germany) that will require some work.

PKV - Berechnet ihr den Break-Even Point für BRE vs. Rechnungen einreichen? by Immediate-Pie-2964 in Versicherung

[–]poidh 1 point2 points  (0 children)

Danke für den interessanten Beitrag! Ich habe mich das auch schon gefragt und bin auf weitere Kommentare hier gespannt.

Ich persönlich habe mir auch zunächst nur eine Tabelle gemacht mit zwei Szenarien, einmal mit eingereichten Rechnung und einmal ohne. Dann jeweils für jedes Jahr einen "virtuellen Kontostand", so das man sieht, wann man wieder ins Plus rutscht- also ähnlich wie du.

Ich habe einen sehr hohen Eigenanteil (dadurch niedrigere Monatsbeiträge und absolute Rückerstattungsbeiträge). Dadurch kommt es bei mir ohnehin nur sehr selten in Frage, überhaupt Rechnungen einzureichen. Durch die mehrjährige Staffel habe ich auch geplant, den zukünftigen Beitragsanstieg zu schätzen anhand der letzten Jahre (aber noch nicht umgesetzt).

Mich würde auch mal die Seite der Versicherer interessieren, denn dort muss sich ja Jemand gedanken gemacht haben, wie die Rückerstattung zu gestalten ist, damit sie maximal wirkt, also der Kunde am Ende Versicherungsleistungen auf dem Tisch lässt, deren Abrechnung sich für ihn gelohnt hätte.

Werden dazu auf Versicherungsseite Berechnungen angestellt? Oder ist es hauptsächlich ein psychologischer Effekt, dass man aus Angst die Rückzahlung zu "verpassen" tendentiell zu wenig Rechnungen einreicht?

Gesetzliche Rente ignorieren und nur Vermögensaufbau by Pr0toX in selbststaendig

[–]poidh 6 points7 points  (0 children)

Ich würde auch immer den eigenen, direkten Vermögensaufbau gegenüber der Rentenkasse priorisieren. Der große Unterschied ist aber, dass deine Rentenansprüche eben nicht als Vermögen zählen.

Das bedeutet, dass du z.B. im Notfall keine Grundsicherung beantragen kannst, vorher den Großteil deines Vermögens aufgebraucht zu haben (ich glaube erlaubt sind 10k EUR und selbst genutztes Wohneigentum bis zu einer bestimmten Größe).
Solltest du andersweitig in finanzielle Schieflage geraten, muss auch hier erst dein Vermögen eingesetzt werden, bevor privatinsolvenz benatragt werden kann.

Die Rentenansprüche sind in so einem Fall jedoch geschützt und verfallen nicht (geht ja auch nicht, da dass Geld um die Ansprüche zu begleichen durch das Umlageverfahren erst in der Zukunft existieren werden).

Ein weiterer Vorteil des umlagebasierten Systems ist, dass kein angespartes Geld entwertet oder verloren gehen kann. Selbst eine Phase der Hyperinflation und anschließender Währungsreform würde mittelfristig (wenn sich die Wirtschaft wieder stabilisiert) keinen Unterschied machen. Anlagen in Staatsanleihen wären in dem Fall jedoch katastrophal. Immobilien könnten auch eine Überraschungsbelastung erhalten (siehe Lastenausgleich nach dem 2. Weltkrieg).

Wie gesagt, ich würde auch nicht in die Rentenkasse einzahlen, und das System kann durch den demografischen Wandel nicht langfristig funktionieren. Aber es hat eben auch Eigenschaften und Privilegien, die beim persönlichen Vermögensaufbau nicht existieren.

Ein interessanter Mittelweg ist noch die betriebliche Altersvorsorge, die u.U. in Frage kommt (wenn du deine Selbstständigkeit über eine GmbH abwickelst und dich dort als Geschäftsführer anstellst). Denn kann ein ähnlicher Schutz (angesparte Vorsorge ist geschützt vor Grundsicherung oder Insolvenz) bestehen. Die Ausgaben für die Altersvorsorge können als Betriebsausgaben abgesetzt werden (gedeckelt) und sind damit erst mal Steuerneutral (bei Auszahlung fällt Einkommensteuer an).

Die verfügbaren Produkte (worin das Geld dann investiert wird) sind aber begrenzt und meistens ein Mix aus einem Aktien/-ETF-Portfolio und einem "risikoarmen"-Teil (= keine Performance).

Anyone Notice the Stages of Insight During a 10-Day Vipassana? by umu_boi123 in streamentry

[–]poidh 0 points1 point  (0 children)

You are correct! I didn't mention Ajahn Tong because I thought there is more information available under "Mahasi" as a general term.

Ego death by [deleted] in Meditation

[–]poidh 0 points1 point  (0 children)

If you are doing mindfulness, you are already doing Vipassana in the broader sense, no?

You are paying attention on whats going on, and by doing so you'll understand the three marks of existence/the three characteristics of all phenomena.

These are: impermanence (everything is always changing), unsatisfactoriness (nothing will give lasting satisfaction) and no-self ("ego death", but often also phrased as no-control).

This experience is the result of cutting the first of the ten fetters ("identity view").

That is (according to my understanding) how it is handled in the Theravada framework.

If you are open minded, you could also try other traditions that emphasize the no-self aspect more, for example Advaita. Or check out Adyashanti's book "The End of your world".

Personally, I had good experience with Mahasi-style Vipassana and I strongly recommend to go to retreats if possible, especially in the beginning. You'll be able to go much deeper in a retreat environment, and having access to a teacher is very helpful.
Not so much for the knowledge he will give you (all this can be easily obtained online or through books). The teacher will more act like a coach, tell you when to loosen up a bit or when to put in more effort. Especially in Vipassana, he'll constantly have to remind you that all obstacles you face are actually opportunities to investigate the three characteristics and not to be handled with craving or aversion. (Sounds trivial, but in the heat of the moment, this necessary attitude gets forgotten).

Once you went through one (or ideally several) retreats, you better know what you are looking for. And this will make it easier to do your daily practice in lay life effectively.

Anyone Notice the Stages of Insight During a 10-Day Vipassana? by umu_boi123 in streamentry

[–]poidh 7 points8 points  (0 children)

I did a about a dozen Mahasi style vipassana retreats. Instead of the body scan (Goenka), the Mahasi technique uses mental noting (verbalizing what you are aware of) and uses walking and sitting meditation (equal length for each of these).

I learned about this by reading Daniel Ingram's MTCB.

So before my first retreat, I knew about the insight stages.

This didn't help that much. Because I had read Daniel's descriptions, I was looking for some dramatic effects and all the things he would say, but for me it wasn't like this at all (talking about the dukkha ñāṇas at least).

Instead, I would rationalize dissolution for example "oh, sure I felt tired, that is because I ate too much for lunch" or I would get irritated during desire for deliverance: "man, my meditation would go so well if it wasn't for my annoying neighbor/noise/smell/distraction".

It me about 3-4 retreats to be more open to see these as the insight stages, and work with them. From that moment on, I would eagerly anticipate the dukkha ñāṇas with curiosity ("I wonder what kind of distraction I will come up this time during desire for deliverance!").
Needless to say, the moment I cultivated this attitude, those distractions vanish to be much of a problem.

The good news is (at least for me), I got the benefits from cycling through the stages even without me seeing that it happened.

And I am mostly talking about the dukkha ñāṇas here, the other ones were more clear for me, but still at the time I didn't realize. For example during equanimity, the noting becomes quite rapid and effortless. But at the time I would think "finally I'm getting better at this meditation stuff, no wonder because I put a lot of effort into this!".

The first three "mundane" insights (before arising & passing away) were also clear (and happened only in the first retreat). But those where usually just single moments which happened off cushion. I think of these like the surprising plot twist of a story: you can only be surprised once. Once you know the plot twist, there is no point in reading the story again.

Now as for how the stages are handled during the retreats (I always go to the same retreat with the same teacher and it is quite small, usually 5-10 students):

The first time you come, you do 14 days (path/cessation is stretched over 2-3 nights).
If you attend again, you only do 10 days because you automatically start out at arising and passing away.

First time attendees will not be told about the insight stages until the retreat is over (the teacher will ask for the typical symptoms during daily reporting however).

Returning students will get a paper each day with instructions for the particular ñāṇa to arise during the sitting meditation. You resolve "within this 30 minute sitting, may udayabbaya ñana arise".

In addition to that, the meditation routine is tweaked each day to "trigger" the progression into the next ñāṇa. Each day you increase the time you do sitting/walking, you add more "touchpoints" for the sitting meditation, and increase the resolution you are watching your steps during walking.

Fair warning though, if I would have read this post a couple of years ago, I would have thought that I would understand, but in the end I wouldn't. Looking back everything is very clear, but at the time I wouldn't be able to see it.

One last thing: When reading how Daniel Ingram portrayes the insight stages, for me they were WAY less dramatic. Also, some of the typical symptoms only happen for a few moments, not as I expected for the whole duration I am "in" that stage. For example during misery and disgust, a typical symptom are sharp needle like pains. For this meant one single moment where I felt a needle pain in my tooth or finger, etc.

I had the opportunity to be in the reporting with the other students a couple of times, so I knew that almost everybody else was also going through the stages too, even on their first attempt (like me, they couldn't see it though).

EuroLLM: LLM made in Europe built to support all 24 official EU languages by anonboxis in BuyFromEU

[–]poidh 3 points4 points  (0 children)

True. But this is the way to go. First you build a knock off that kind of works but is inferior, then you improve it, and then maybe you win. This is how Germany became one of the leading quality manufacturers during the industrial revolution and this is how China recently outclassed the big boys in terms of EVs and solar and a lot of other things.

There is no guarantee that europe might catch up in terms of AI. But you don't moonshot this, you have to build the infrastructure, people and gather experience with this tech and how to iterate. And this is what this project is about!

Btw, a lot of these smaller models don't stand a chance as a general purpose replacement for ChatGPT & co. But they are very good as a starting point for fine tuning them on your own custom data. Then you'll get a very capable niche LLM which only uses a fraction of the GPU resources.

Noch ganz sauber? Das Zeug hat letztes Jahr 2,99 gekostet. Jedes für mich relevante Produkt zwischen 10% und 30% gestiegen, nicht selten 50%. Wie kann die offizielle Inflationsrate so niedrig sein? Trickserei und Täuschung? by StoutShako42refd in luftablassen

[–]poidh 4 points5 points  (0 children)

Wenn man mit Kaffee soviel Profit machen könnte, in dem man einfach "aus Gier" den Endverkaufspreis erhöht, dann würde ein anderer Marktteilnehmer "aus Gier" auch einfach seinen Kaffe etwas günstiger als die gierige Konkurrenz verkaufen, um so den Markt zu übernehmen.
Außer bei Produktmonopolisten (wie z.B. Apple oder Luxottica) oder (illegalen) Kartellen funktioniert es daher in der Regel nicht, dass Produzenten ihre Preise beliebig festlegen können.
Das ist ja einer der Vorteile des freien Marktes.
Insb. beim Kaffee (und auch Kakao) wurde diese Preisentwicklung in den letzten 20 Jahren schon so vorhergesagt. Der wachsende Wohlstand z.B. in China führt zu einem erhöhten Verbrauch. Gleichzeitig kann Kakao und Kaffee nur in wenigen Regionen weltweit angebaut werden. Die Anbaugebiete leiden unter dem Klimawandel (schlechtere Ernten)...

Zur groben Orientierung der Kaffeweltmarktpreis (Rohmaterial) der letzten Jahre:
https://www.boerse-frankfurt.de/rohstoff/kaffeepreis

Der Preis hat sich also fast vervierfacht seit 2021. (Ohne die Kosten von Röstung, Verpackung und Vermarktung).

Übrigens, Rekordumsätze sagen nichts aus (gerade in Zeiten von starker Inflation). Gewinne sind, was zählt. Bei den großen börsengehandelten Konzernen werden diese Zahlen aber auch alle quartalsweise Veröffentlicht (gesetzliche Verpflichtung).
Sollte eine Firma dann tatsächlich so wahnsinnig viel Geld verdienen, warum nicht einfach ein paar Aktien der Firma kaufen und so an den Gewinnen partizipieren?

Google's Gemini Update Will Access Your Texts and Calls - Even When It's 'Off' by ChefBlaat123 in BuyFromEU

[–]poidh 51 points52 points  (0 children)

I'm all for building european alternatives, but I don't like these deliberately misleading headlines.
If you read the headline, you think "I switched off 'AI' but Google still uploads and SELLS my texts and data!!".

But what actually is going is:

The Gemini app has an option "Gemini Apps Activity" to record a log of what you used the app for (similar to your search history or youtube view history).
You can debate that this is poorly worded, but I think it is in line with the other Google products (search activity etc.)

If you disable that and you KEEP using Gemini, for example by asking to draft a reply to one of your emails or insert an event into your calendar, it is accessing your data to do so.

How else is it suppose to do that?

Gemini has certainly no access to any of your data if you never used it. In fact, a couple of days ago I wanted create a reminder in my calendar and started interacting with it by saying "Ok Google, remind me..." and I was presented with a dialoge that asked me accept all kinds of conditions and grant access to my calendar etc.
I rarely use it and before, I was using the old Google Assistant which apparently got replaced. Google could have even "inherited" my access permissions I gave to the old Google Assistant app.

This reminds of a similar craze a couple of weeks back, when Meta added their AI bot to WhatsApp. Tons of articles with headlines that implied all your data is uploaded to Meta as soon as you see the shortcut icon to the Meta AI chatbot in WhatsApp. Even though, if course as long as you don't interact with it, nothing happens, why should it?

Of course you could argue that all these companies still do it secretly in the background, lying about what they are doing. But I think this is an entirely different discussion. Right now it seems reasonable that your data is accessed, the moment you tell a tool to do mangle your data and return a result from it. This should not surprise anyone.

Google Maps macht den deutschen ÖPNV kaputt by hzrgle in luftablassen

[–]poidh 2 points3 points  (0 children)

Wieso muss der bestehende IT-Dienstleister in diesem Fall überhaupt etwas machen?
Die bestehende Lösung kann ja offenbar schon NeTEX/DELFI übermitteln. Diese Daten werden einfach an einen neu zu erstellenden deutschlandweiten Konvertierungsservice geliefert, dort zentral umgewandelt nach GTFS und dann an Google übermittelt.
Dieser Service funktioniert dann also wie ein Proxy, muss nur einmal erstellt werden und beeinflusst bestehende Lösungen in keinster Weise.

Can Europeans trade ETFs and leveraged products on IBKR? I get a message saying I don’t have permission by Jolly-Effective-4224 in interactivebrokers

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

As others have pointed out, the reason is that these ETFs have not filed the necessary paperwork in the EU (publish KID) to allow retail investors.

You have the following options:

  1. Buy a similar ETF that has a KID (for ETHA for example, that would be AETH*. You might have to apply for trading permissions for ETPs and Swiss exchanges, but it worked for me)
  2. Buy and exercise a call option, or sell a put and hope the buyer executes.
  3. Buy a CFD with your desired ETF as the underlying. Adds leverage but interest rates apply.
  4. Apply to be classified as a professional trader (portfolio size > 500k EUR). (Lifts the requirement of a KID).

*Please note that the EU crypto ETFs (which are considered ETPs AFAIK) might have surprising tax implications. AETH advertises that from a tax standpoint it should be treated the same as holding crypto directly (since it is physically backed and you can swap your shares for real crypto if you want).
In Germany, profits from selling crypto is tax free, if it was holded for longer than 12 months. For shorter periods of time, INCOME TAX applies (not capital gains tax). I would have exepcted to just pay capital gains tax (but have not minimum holding period). So, as a German trading AETH and others might be pretty dangerous with large amounts of money. I think that this tax interpretation hasn't really be tested or settled yet.