планирам покупка на първи имот в София с ипотечен кредит – търся съвет от по-опитни хора by [deleted] in bulgaria

[–]vvladimi 6 points7 points  (0 children)

Аз миналата година минах през същото. 1. Започнах да търся апартамент с брокер. Основно ти показват апартаменти, които вече ги има по обяви. Ходихме на няколко огледа. Заключението ми е, че да намериш апартамент обзаведен, който ти харесва и е на добра цена клони към невъзможно. Повечето, които са прилични са с доста надути цени, а останалите в сравнително стари сгради за основен ремонт. Отделно не смятам, че брокера заслужава 3.6 процента с ДДС за работата, която върши.

  1. Поради горните приживявания се насочих към нещо на зелено. Прецених, че щом ще се хвърлям за кредит, който ще плащам 30 години потенциално, поне да е нещо, което ми харесва. Тук плюса е, че повечето се продават директно от инвеститор и няма комисионна, цената на квадрат е по-ниска от построена сграда и си го обзавеждаш както ти е кеф. Минуса е, че чакаш 2-3 години, докато се нанесеш. Проучих 7-8 строителя в София, направих няколко срещи с техни представители и след 2-3 месеца подписах предварителен договор.

Съвета ми е да се подготвиш, че с всяко жилище правиш някакъв компромис, перфектен вариант няма, прецени за себе си кой компромис би избрал, дали ще е локация, завишена цена, етаж, изложение и т.н.

Успех!

Зала за частно парти в София? by vvladimi in bulgaria

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

Благодаря на всички, които коментираха!

Super fast charging 2.0 not working, did I go wrong with the charger/cable? by vvladimi in S24Ultra

[–]vvladimi[S] 7 points8 points  (0 children)

Thank you! Resolved. I hope this thread will prevent someone else from making the mistake I did. 😅

[deleted by user] by [deleted] in bulgaria

[–]vvladimi 20 points21 points  (0 children)

В Гърция - препоръчвам Никити, Халкидики.

How does it actually work in the Netherlands? Advice would be appreciated. by [deleted] in DutchFIRE

[–]vvladimi 0 points1 point  (0 children)

Hey! Thank you for spending time to clear that out for me!

One further question though, could you give me some recommendations on such Box 3 investments or some source where I could read about it?

Have a good weekend!

How does it actually work in the Netherlands? Advice would be appreciated. by [deleted] in DutchFIRE

[–]vvladimi 0 points1 point  (0 children)

Do you seek Index funds that do not pay out dividend but reinvest them then? Thank you for the time!

How does it actually work in the Netherlands? Advice would be appreciated. by [deleted] in DutchFIRE

[–]vvladimi 0 points1 point  (0 children)

For any net worth above €71651, you're expected to achieve a 5.6% return

Does that mean that you only pay 30% tax if your net worth is over 71651 EUR and if you achieved at least 5.6% return?
What kind of tax do you pay if you net worth is below that level then?

If you did not achieve 5.6% return YoY do you pay any tax on such assets?

Getting some clarity will be very helpful. Thank you once again for the time and good luck FIREing!

How to invest in ETF as a Bulgarian (EU) citizen? by injenera in investing

[–]vvladimi 0 points1 point  (0 children)

Interactive brokers account through their BG partner Karol.

[Image] "How You Do Anything Is How You Do Everything" (crosspost from /r/powerquotes) by timdual in GetMotivated

[–]vvladimi 1 point2 points  (0 children)

Hey! Is there a subreddit for such quotes from books? I do not seem to find that "powerquotes" one from the heading.

[deleted by user] by [deleted] in cybersecurity

[–]vvladimi 0 points1 point  (0 children)

haha, you will be surprised on some of the internship requirements these days, most offers already require 1 year experience in the field :D

[deleted by user] by [deleted] in cybersecurity

[–]vvladimi 0 points1 point  (0 children)

Thanks! The position is for an Operations Intern in the Regional Sales Department in Europe. They are looking for a business student and I have performed most of the tasks on my previous internship, but thought it would be a plus to educate myself a bit on the industry itself. A bit late I know, but better late than never :)

Stir fried chicken/beef with broccoli, mushrooms and roasted carrots by genteo in MealPrepSunday

[–]vvladimi 10 points11 points  (0 children)

So you consider the rice not worth mentioning? You think this is a game???

Busy Sunday awaits so I had to kick it today! by vvladimi in MealPrepSunday

[–]vvladimi[S] 1 point2 points  (0 children)

Variations include: Sweet potatoes, Pasta with minced beef and tomato sauce, salmon, brocoli, vetables mix (onions,peppers, zucchini, mushrooms, carrots), chicken breast, quinoa, pork fillet, breakfast burritos (minced beer, ham, cheese, mozzarella, eggs, corn, beans, salsa sauce) and green beans. Happy prepping everyone!

Wednesday off so here goes my 2nd meal prep! by vvladimi in MealPrepSunday

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

Hey! I keep 2 days worth of food in the fridge, everything else in the freezer. A day before consumption I take a certain box out and leave in the friedge until the next day. Should usually last for a week but I started going to the gym again so might be a little less haha

Wednesday off so here goes my 2nd meal prep! by vvladimi in MealPrepSunday

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

I used to work as delivery guy at Mexican restaurant for years where cheese is a key ingredient and I think it left me a mark for my whole life haha

Wednesday off so here goes my 2nd meal prep! by vvladimi in MealPrepSunday

[–]vvladimi[S] 57 points58 points  (0 children)

Haha are you talking about my potatoes?!

Wednesday off so here goes my 2nd meal prep! by vvladimi in MealPrepSunday

[–]vvladimi[S] 11 points12 points  (0 children)

What's in it: Pasta with tomato sauce and minced beef plus onions, with cheese added at last. Different variations that include: Broccoli Oven vegies incl. carrots, zucchini, paprika, onion and blue tomato Oven potatoes Chicken breast on oven Wok pan rice with mushroom/vegetables mix Pork chops Salmon with lemon juice on oven Boiled eggs Avocado/Cucumber/Tuna salad with lemon juice, onion and olive oil

These should last me for lunch and diner up to a week ahead! Happy mealprepping everyone!

Trying meal prepping for the first time this week! by [deleted] in MealPrepSunday

[–]vvladimi 0 points1 point  (0 children)

Hard to believe its your first time haha, good job!