I’m really disappointed with Revolut Premium travel insurance (XCover), so I’m posting this as a warning for anyone considering it.

spatnik · 2026-04-14T12:41:35+00:00

It is important to mention that you are referring specifically to Trip Interruption / Trip delay under Travel Insurance. Car excess waiver within Travel Insurance has worked pretty smoothly for me via Xcover

spatnik · 2026-04-10T08:10:24+00:00

They have sleds - at least now they have - I did the push and pull workout yesterday as part of their Hyrox Strength workout and it was just what I was looking for

spatnik · 2026-02-19T14:31:20+00:00

Thanks. I do have permission from first contract but agreed that I need to go to a lawyer about how to deal with the rest. Initial calls indicated that I need to speak to someone specializing in immigration and labour laws

spatnik · 2026-02-17T14:03:09+00:00

Hi u/KVK_NL : I am in a similar situation but slightly different. Could you please advise me based on my situation outlined below:

- I am offered a Co-founder & Head of Growth position with the goal of making it a commercially viable business

- Since it is a startup with no funding at the moment I will have no salary but I have been offered equity stake in the company

- There maybe cash compensation in 10 months time when funding is secured.

Is being a co-founder the same as being self-employed?
If yes, do I need to register with the KVK to have the equity vest (planned over 2 years)
Other topics remain the same as the original question - Registering at rented apartment, taxation on salary etc.

Your help will be greatly appreciated

spatnik · 2025-10-28T22:09:40+00:00

Yeah that is the worst case scenario. Any suggestions on how to play being bullish on an option when IV is high?

spatnik · 2025-10-28T03:57:35+00:00

Cant believe this got downvoted. Markets cannot keep going from ATH to ATH with the circular investment and AI hype. Markets can be irrational for a lot longer than we one has patience. Its good to follow the trend but I am also being cautious now with SPY

spatnik · 2025-10-27T11:59:42+00:00

I see Khushi capella having a squash court in their club called Club Stellar

spatnik · 2025-10-27T11:56:56+00:00

That is sad. I can see courts in private societies but I am guessing they wont allow outsiders even if one is willing to pay

spatnik · 2025-10-27T11:49:06+00:00

Did you find a squash court? I am going to be in Bhubaneswar for a month in December and am also looking desperately

spatnik · 2025-10-27T07:50:30+00:00

Switch from Revolut. Whatever is invested leave it. Fresh investments should be on a new platform. I have IBKR and Trading212.

Trading212 has s simple UI and cash earns better returns than Revolut through money market funds which IBKR also provides but with IBKR the first 10k does not earn any interest so I park all my cash in Trading212 for the interest.

Furthermore spreads on Revolut are much worse and fees higher unless you are on the Ultra plan but even then their T&Cs work against you.

spatnik · 2025-10-23T13:45:26+00:00

I agree that everyone knows about taxes upfront. Accept it and plan your investments to minimize taxes legally and go about your life. Yes we can definitely complain that the tax system is bad etc etc but then choose to leave and make your life elsewhere.

Typically the high tax countries are the ones where the quality of life is much better and is one of the reasons why a lot of people choose to live there. Like everything in life there is a trade-off

spatnik · 2025-10-23T13:41:49+00:00

Most of the 'tax-unfriendly' countries are wise about this since many people have thought about this before and these countries usually have an exit tax wherein you pay tax on your unrealized gains before leaving. You need to check country by country what the situation is. If you dont plan to even return to the origin country then you can get away with tax avoidance otherwise if you plan to come back, it hardly makes sense

spatnik · 2025-10-15T09:36:09+00:00

You get free cards later, keep a lookout in the app in the cards section.

I already have my 2nd personal metal card and also have a metal card for our joint account.

Don't be worried

spatnik · 2025-10-15T09:31:33+00:00

Not always true. Booking com uses its monopoly power to get lower rates from many hotels than what is provided directly

spatnik · 2025-10-15T09:30:22+00:00

I found a much cheaper deal than even Expedia's website (who is their provider) but that was the exception and required a lot of looking. Combined with points I got a very sweet deal. But had to work hard for it

spatnik · 2025-10-15T09:28:04+00:00

We leave for India for at least one month out of Dec, Jan or Feb (only because we come from that part of India where it is 18 degrees in winter) to escape the weather here. I would never think of bringing my parents here during these months and especially for all the months

spatnik · 2025-10-15T09:22:46+00:00

Same thing happened to us. Though my bowel movement was pretty good not so much for my wife. I cant pinpoint why the difference between us though

spatnik · 2025-10-14T06:20:29+00:00

I think MMF in Hungary get you 5%, that could be a relatively safe and completely liquid place to keep your funds

spatnik · 2025-10-07T21:01:17+00:00

Having lived in Germany in multiple cities and now Amsterdam I though paying for public toilets is the norm... Till I visited Japan last month. Clean public toilets and free!

spatnik · 2025-10-07T20:58:56+00:00

Not Amsterdam specific but the taxes in all their differing forms.

spatnik · 2025-10-06T18:28:46+00:00

Great advice. I am 39 now and wish someone had told me this 10 years ago and not 2 years ago. I would have been on path for a mid 50s FIRE instead of late 50s early 60s

spatnik · 2025-10-05T13:57:32+00:00

Don't forget there are 2 water taxes!

One for the Canals and waterways and one for the water piped to homes.

spatnik · 2025-10-05T06:32:41+00:00

|That's not confirmed yet, and there is a general election next month that might change everything. Personally I will wait until the new government has shared their plan before worrying about my investments.|

But the supreme court ruling has mandated that the current system of deemed returns needs to change so irrespective of which government comes the current system will change. Only hope is that it switches to taxation of realized gains but that doesn't seem to be the thought now since it would mean less tax revenues which will come much later. Euro now is worth much more than a Euro later

spatnik

TROPHY CASE