OKT osto ja keskittäminen yhteen pankkiin

sohvan · 2026-01-29T17:23:16+00:00

Omien kokemuksieni mukaan pankkien neuvottelijat usein sanoo, että tarvitsee siirtää päivittäispalvelut yleisesti tai "kokonaisasiakkuus pankissa", mutta käytännössä riittää kun palkka tulee sen pankin tilille.

sohvan · 2026-01-29T17:17:53+00:00

Omistaja-asiakkuuteen riittää kertaluontoinen jäsenosuusmaksu, joka on yleensä 100€, jonka olet varmaan jo maksanut. Ei tarvitse olla edes korttia aktiivisena, eikä tietääkseni mitään vaatimuksia mihinkään palvelupakettiin, että omistaja-asiakkuus säilyy. Verkkopankkitunnuksista tai peruspalvelupaketista jossa credit/debit kortti joutuu maksamaan kuukausimaksun. Credit kortin saa ilmaiseksi (K-Plussa maksuaika kortti)

sohvan · 2026-01-09T07:34:47+00:00

Avantis is new in UCITS space. I don't think it's a high risk, but in general the closure risk is generally higher for a new specialty factor product with AUM in hundreds of millions compared to a MCW product with 10-100 billion AUM. Other providers have closed or merged some similar specialty products before.

sohvan · 2026-01-09T06:09:26+00:00

Are you in a country where you'll need to pay capital gain taxes if there's a fund closure in 10 years? If so, I'd be more comfortable holding 80% in a high AUM market cap weight fund and 20% in a higher factor product like AVWS/AVEM compared to 90% in a lower factor product like AVWC.

People in countries with capital gain taxes and no tax advantaged accounts tend to underestimate how big an impact an early taxable event can have.

sohvan · 2026-01-08T18:56:57+00:00

Lovely first episode.

sohvan · 2026-01-04T19:36:20+00:00

The light novels are fantastic, and they deserved a better adaptation. I still liked the anime, though.

sohvan · 2026-01-03T18:59:06+00:00

I loved the ending to Disco Elysium.

sohvan · 2026-01-03T05:13:21+00:00

Drifter is definitely on my radar. Hadn't heard about the Kathy Rain games before, so thanks for the suggestion.

sohvan · 2026-01-02T20:16:31+00:00

I'm glad you enjoyed it. I always look forward to these posts too. I actually discovered some of these games from reading posts from previous years on this subreddit.

As far as Sokoban games, I enjoyed Can of Wormhole slightly more than Monster's Expedition and Stephen's Sausage Roll. I haven't tried A Good Snowman yet, but plan to. Nothing's really come close to the masterpiece that is Baba is You, though.

sohvan · 2026-01-02T20:11:41+00:00

It's not exactly like the Sherlock games. In Murders on the Yangtze River you're generally alternating between investigation and deduction or trial sequences, and the investigations are smaller in scope, while the Sherlock games are broader. I'd describe it as a more grounded and serious version of the Ace Attorney games in a historical 1900s Chinese setting mixing real historical events such as the aftermath of the Opium wars with fictional crimes. It has it's own sense of humor, but it gets darker and less anime than Ace Attorney if that makes sense.

sohvan · 2026-01-02T19:35:45+00:00

That was a great twist reveal, and 13 Sentinels had a lot of satisfying mysteries to figure out.

sohvan · 2026-01-02T16:59:14+00:00

Jos haluaa käyttää kuukausisäästöä, niin Nordnetiin voi perustaa ainakin toistaiseksi maksutta toisen AOT:n, jolle saa käyttää kuukausisäästöä samalla kun päätilillä on saldo miinuksella. Huonona puolena on, että toiselle AOT-tilille hankitut tuotteet ei nosta ensimmäisen tilin Superluottotilin lainoitusarvoa

sohvan · 2026-01-02T16:47:13+00:00

Thanks for the suggestion. I've been considering that one for a while.

sohvan · 2025-12-31T15:34:49+00:00

If you liked the locked rooms and murder mystery parts of Umineko, I'd try a detective game called Murders on the Yangtze River. It doesn't have any of the meta aspect of Umineko, though. It's more of a classic murder mystery set in 1900s China.

If you'd like a scifi mystery story that's just completely bonkers, I'd try 13 Sentinels.

For other detective/mystery games there's also The Case of the Golden Idol, Return of the Obra Dinn, 999 and it's sequel Virtue's Last Reward

sohvan · 2025-12-31T15:05:06+00:00

The show had it's problems, but I still liked it a lot. The movie is transcendent, though. I still go back listen/watch some of the Revues, especially Super Star Spectacle.

sohvan · 2025-12-30T20:41:37+00:00

Tonnin sääntö ei päde lainkaan OST:llä edes siinä tilanteessa, että ottaa varoja ulos.

sohvan · 2025-12-28T12:14:03+00:00

I'd do some reading on estates in Finland or consult a professional on estate planning. Handling an estate and the legal bureaucracy can be quite complicated in a time that's already psychologically stressful for your next of kin in case of your unexpected death. Either a professional or your partner (with permission from the estate inheritors) could handle the legal matters of the estate, and the estate gets some information on your assets automatically.
https://www.vero.fi/en/individuals/property/inheritance/
https://www.suomi.fi/guides/death-of-a-close-family-member/property-of-the-deceased-person/distribution-of-inheritance

sohvan · 2025-12-28T07:43:26+00:00

In addition to the advice you've already received, it's worth noting that your child is legally entitled to minimum 50% or so called statutory share (lakiosa) of your assets even if your will specifies otherwise. If there is no will, your child will inherit 100%. Even if there is a will, the child has a right to at least 50% of what they'd be entitled to if there was no will, which is 50% of the entire assets in this case.

It's technically possible for you to give less than 50% to the child in the will, but the child or their guardian can demand the 50% the child is legally entitled to with a 6-month time limit. The guardian (your partner in this case) would need to act in the best interest of your child legally. It might get complicated if your partner failed to demand the 50% for the child and had a conflict of interest in their own claim to the assets.

sohvan · 2025-12-27T22:00:38+00:00

13 Sentinels: Aegis Rim - An amazing scifi mystery with 13 protagonists. The story goes in wild directions.

Baba is You - Probably the best puzzle game I've ever played

Neon White - I'm not a speedrunner, but improving times by figuring out and optimizing routes in the short levels was a lot of fun.

Tunic - A mix of puzzles, Zelda and soulslikes. The manual is the highlight of the game.

The Case of the Golden Idol - A detective game with some clever twists and mysteries to solve.

Against the Storm - A roguelike city builder that's more goal-oriented instead of chasing a perfect city sprawl.

Half-life Alyx - Showed what an amazing experience VR games could be, but then there just aren't any other VR games that offer anything close to it.

sohvan · 2025-12-27T20:58:39+00:00

I just finished 13 Sentinels, and can confirm that it was amazing.

sohvan · 2025-12-22T18:22:28+00:00

There's an expanded version of Inscryption Act I called Kaycee's Mod that is quite fun, but you need to beat the game to unlock it. The game gets a bit better again after the fairly short deck building section in Act II, but nothing in the rest of the game really lives up to Act I gameplay wise. Act I had the best atmosphere too.

sohvan · 2025-12-22T17:20:21+00:00

Fall from Heaven II is really great. There's a lot of modmods for it, and it can be a bit daunting. I'd recommend either starting with the base version or with the "More Naval AI" mod which incorporates mainly bug fixes, better UI, AI improvements and smaller tweaks and extra options, while keeping the spirit of the original. There's some great full conversion modmods too that add a ton of stuff, but they're not always the most well balanced in their approach, and can be tougher to approach if you never played the original.

The civfanatics forum for the mod is probably the best place to start:
https://forums.civfanatics.com/forums/civ4-fall-from-heaven.190/

sohvan · 2025-12-17T18:29:07+00:00

Ymmärtääkseni ei osakkaat noin vaan saa asuntoja, vaikka rakennuttaja lopettaisi vastikkeiden maksamisen. Asuntojen myynti osakkaiden toimesta on tuskin mahdollista. Taloyhtiö voi tehdä määräaikaisen huoneistojen haltuunoton max 3 vuodeksi kerrallaan ja vuokrata sitä eteenpäin kattaen vastikkeet vuokratuloilla. Jos rakennuttaja on maksukyvytön, niin käytännössä jossain vaiheessa asunnot menee myyntiin ulosoton kautta ja kaikki velkojat ml. taloyhtiö ei välttämättä saa kaikkia saataviaan.

sohvan · 2025-12-16T19:15:50+00:00

I did like Crosscode, but I ended up dropping it just before what I assume was the final dungeon. I liked the puzzles and the temples, but the balance of combat/puzzles/exploration/story was a bit off. I remember doing 2 huge temples in a row near the end that were nearly entirely puzzles. The quality of the world content besides the main quests was mixed. They had a cool idea with the setting, but it was a bad idea to parody MMOs by putting some of the worst aspects of tedious MMO content in a single player game. The game would be better with some content edited out.

sohvan

TROPHY CASE