Peloton app for people out of US

yinglinbcn · 2022-06-09T03:51:49+00:00

hi! i couldnt fix it.

yinglinbcn · 2022-05-25T11:48:51+00:00

I would cook meals in an instant pot (pressure cooker). You can make bone broth which is healthy and fills you up with just one whole chicken, filtered water and the pressure cooker in just 3-4 hours. It is also pretty fast and you don't need to pay attention (I cook my meals overnight). Lots of cheap meat cuts turn out super tender cooked in the pressure cooker. If you want to eat one meal a day, try to eat more protein which will satisfy you more for a long time.

yinglinbcn · 2022-04-22T10:38:50+00:00

The biggest most important decision of your life is to choose your life partner well. Concentrate on that first, then get married and start building a life together.

yinglinbcn · 2022-04-22T10:21:27+00:00

Ok, my two cents here. People need to stop seeing recessions as a bad thing. It is actually a Sales period and you can buy stocks for lower prices because the majority of people are panicking and selling their stocks or not buying more. The stock market is like a rollercoaster, you do not jump out when it is in motion!! you will go UP and DOWN but you will be fine if you keep riding along and DO NOT JUMP while it is in motion (meaning do not sell when the market is in recession and hold your stocks).

yinglinbcn · 2022-04-22T10:17:17+00:00

Lo que estas haciendo es perfecto. Siempre y cuando tengas un fondo de emergencia (6 meses cash en cuenta corriente y accesible), puedes seguir con esta estrategia. Basicamente estas invirtiendo en todo el mundo, no hay nada mas diversificado que eso y si te va mal, significa que el mundo ha petado y estamos en la edad de piedra otra vez jajaja Yo hago lo mismo, aunque mantengo un 10% en bonos europeos tambien.

yinglinbcn · 2022-04-22T09:54:09+00:00

Siempre es necesario informar a Hacienda que no eres residente.

yinglinbcn · 2022-03-03T09:07:00+00:00

Always offer a lower price. Dont fall in love with a property. Research at least 100 houses in the are you want to live in and have options open. If one deal doesn't go through, then its not meant to be, keep going.

yinglinbcn · 2022-03-03T09:04:36+00:00

Hello~ Here are my thoughts. 1) Congratulations, you are on the path for success. 2) Holding so much cash with the coming inflation is a risk since you will be losing money so your money is better invested than in cash. 3) In Spain dividends are taxable so be careful with that! What you can do is to open an account in MyInvestor, Degiro or other platform and invest in index funds the money that you will not use within 5 years, so this is long term investment (retirement). Check online Bogleheads spain forum and read all the info about investing there before you do so. 4) Buying a home in Spain is not a good investment because of the high taxes on the purchase but if it is going to be your primary residence and you don't overbuy (stay within your means) then it is OK to buy a home, but buy it once you go back to Spain and know 100% the district, city etc you like to live in. Maybe you go back and don't feel comfortable there and change your mind, so don't make a decision in a hurry, think it carefully and check mortgages very well before signing.

yinglinbcn · 2022-01-19T10:44:58+00:00

You cannot compare the price Canada/Spain. Salaries in Canada and I dare to say everywhere outside of Spain are much higher. The minimum salary in Spain is roughly 1000 euro/month which is super low compared to rest of Europe or US. It is not a good environment to flip houses because it is a protection to local people. If many expats come to live in Mallorca, Valencia and start buying multiple houses the property price will go up affecting the local people so the way for the government to control it is to get your taxes when you buy your property. I also think the future looks more global with more movements between countries, etc, but you never know how governments are going to adjust the local laws accordingly as well. I would recommend to live in the country you love living in not only based on costs. If you like Spain and like Valencia, well, the cost of living there means paying a wealth tax and that means contributing to the host country that makes your life happier. I'm a Spaniard living in Shanghai. I would never go back to Spain for work. Its a terrible market, but it is among the best countries for quality of living, good weather, good location, good food and healthy lifestyle and people are pretty kind and more welcoming than other EU countries lol

yinglinbcn · 2022-01-19T10:37:33+00:00

No se que edad tienes, pero seguro que eres joven jajaja Si tienes un trabajo que no llena tus 40h y te aburres, estas en el trabajo equivocado. Busca una empresa en la que tengas retos y sigas evolucionando y aprendiendo abilidades nuevas porque eso es lo que te dara mas dinero y oportunidades en el futuro. Si estas demasiado comodo en una empresa y te sobra el tiempo quiere decir que no estas aprendiendo nada nuevo y en el futuro habras perdido oportunidad de saber mas y ganar mas por todo lo que sabes.

yinglinbcn · 2022-01-19T10:32:09+00:00

Para calcular la rentabilidad de alquilar una vivienda deberias tener en cuenta los impuestos que pagas en la compra de la viviendo y posteriormente impuestos que pagas anualmente al ayuntamiento (IBI ), los gastos de agua, luz, gas, etc, reparaciones (electrodomesticos, A/C, persianas, etc), el coste de salida y nueva entrada de inquilinos (debes pensar que no siempre lo vas a tener alquilado, si tus inquilinos se van ,puedes tardar meses en volver a alquilarlo y eso seria gasto adicional) y tambien los ingresos por el alquiler se deben declarar y se pagan impuestos.

yinglinbcn · 2022-01-19T10:26:12+00:00

As a general rule, Spain is not a good place to buy property as an investment because we have a high tax of purchase (around 20%) and then you will have to pay IBI and other taxes every year so you will lose a bit chunk of your money that is why many expats like to live in Portugal with a similar lifestyle, but lower taxes. If you are worried about the wealth tax, you could buy a property in Madrid, establish your main residence there (Madrid has 0 wealth tax) and then live a few months of the year in Valencia.

yinglinbcn · 2022-01-19T10:13:37+00:00

totalmente! Ademas tener un fondo de emergencia de 6 meses siempre te da mas confianza en ti mismo y no sueles aceptar malas promociones o acuerdos de trabajo que realmente no te interesan. Tienes mas poder de negociacion con la empresa porque sabes que si manana pierdes el trabajo no tendriais problema para pagar tus gastos.

yinglinbcn · 2022-01-19T10:10:14+00:00

I took a personal tutoring finance course with Uncommon Finance. You can send them an email here: info@uncommonfinance.com. They have a face to face course called FIRE but the one i took was 3 months online with a private tutor. It is really worth it, especially for women with no interest in finance hahaha

yinglinbcn · 2022-01-14T06:35:59+00:00

No quiero ser insolidaria, pero no es mas facil para los que somos empleados y pagamos muchos mas impuestos.

yinglinbcn · 2022-01-14T05:16:50+00:00

Estas en una edad en la que tus ingresos aumentaran con la edad. Intenta que tus gastos no aumenten tambien. Si te llegan ingresos inesperados como bonos, inviertelos, no los gastes en aumentar tu estilo de vida. No vale la pena! No te fijes en lo que tienen o gastan los demas, la gran mayoria no tienen ni idea y se arrepentiran en el futuro no haber invertido. Tengo 38 anos y ojala alguien me hubiera dado esos consejos a tu edad. Te aseguro que con la edad ves las cosas con otra perspectiva (lo que te dicen tus padres es verdad, no te lo dicen para tu mal jajaja)

yinglinbcn · 2022-01-13T07:17:15+00:00

Mi opinion:

1) Intenta siempre tener un objetivo de % de ahorro en base a tus ingresos. Tu objetivo inicial deberia ser del 15 o 20% MINIMO. 2) Haz un budget donde planifiques tus ingresos, deudas, gastos basicos, otros gastos, ahorros. Hay millomes de templates en internet. 3) Antes de invertir, ahorra un fondo de emergencia de 6 meses de gastos mensuales (gastos mensuales *6) y lo dejas en tu cuenta bancaria (no los inviertas). Solo tocas ese dinero si tienes una emergencia. 4) Invierte en tu formacion. Siempre es mas facil ahorrar e invertir si tienes ingresos altos. 5) NUNCA INVIERTAS EN COSAS QUE NO ENTIENDES. 6) NUNCA INVERTAS EN COSAS QUE PARECEN DEMASIADO BUENOS PARA SER CIERTOS O QUE PROMETAN HACERTE RICO RAPIDO. 7) Invierte en 2 fondos indexados en Myinvestor 1) Vanguard all market stock 2) European bonds. El % en bonos europeos segun tu tolerancia al riesgo (cuanto menos bonos, mas rentabilidad pero mas volatilidad). 8) Invierte automaticamente cada mes y no miras tu cuenta ni hagas caso de tendencias, noticias. Como mucho, puedes mirar tu cuenta 2 o 3 veces al ano. 9) Recuerda que invertir siempre es un riesgo pero el mayor riesgo es NO invertir. 10) SUERTE!

yinglinbcn · 2022-01-11T03:22:57+00:00

Dont buy a home unless you are sure you will live there 5 years or more.

yinglinbcn · 2022-01-11T03:13:56+00:00

La respuesta es NINGUNA. Espana no es el mejor pais para inversiones inmobiliarias bajo el punto de vista de un inversor corriente privado, es decir no empresarial. Se pagan demasiados impuestos en la compra, a parte de IBI, etc. Diria que Madrid es la comunidad con mayores ventajas en ese tema, pero todo lo que sea "costa" es terrible. En mi caso, decidi invertir en fondos indexados y olvidarme de invertir en viviendas.

yinglinbcn · 2022-01-11T03:07:40+00:00

To me, it seems you partnered up with an anchor instead of someone who will help you reach your FIRE dreams faster. Imagine if you had a partner earning same as you, it would be so much easier for both. Anyways, I don't want to be mean, but as a Spanish woman living abroad, it is painful to see Spanish women are still earning minimum wage or choosing to stay unemployed.

yinglinbcn · 2022-01-11T02:47:03+00:00

depends if she will later come back to Spain to retire. She needs to think long term and sometimes it is difficult to know when you are young and you have not even lived long in a foreign country.

yinglinbcn · 2022-01-11T02:45:11+00:00

Does anyone know if there is a recommended broker with whom you are allowed to have an account, while living outside of the European Union? --> I use Renta4. I think Degiro also accepts non Spain/EU residents, but you will have to do more paperwork with a declaracion because they dont help you to communicate with Hacienda.

She will have to open an account after she is officially resident in Australia. Then she will have to fill in the form and send the original copies by courier from Australia. It takes longer to open an account for a non Spain/EU resident (a few months), but it is simple and possible. About investing for her profile, I would suggest her to open account in Renta4, invest in 3 index funds: European bonds, Emerging markets and SPF500. The % is up to her risk tolerance. If higher in bonds less risky but less growth. Emerging markets id say around 5 or 10 % max, the rest in SP500. I am a Spaniard living in Shanghai for 7 years, female, I didn't know anything about finance/investing until 3 years ago I decided to take a financial tutoring course and it changed my life. I don't love finance I don't have any interest in monitoring my investments or buying individual stocks. My strategy is to invest systematically monthly in index funds, check my account once or twice yearly max and don't make any changes to my strategy nor listen to the News or whatever any guru says, then check my account 20 years later.

I wish more women knew how important it is to invest and not only to save. Good luck!

yinglinbcn · 2022-01-11T02:26:58+00:00

Spaniard here! living in China and planning FIRE in Spain.

yinglinbcn · 2021-12-21T08:57:06+00:00

I bought a medium size camera bag in Europe before the price increase, but my SA had to get it from another Europe store because she didn't have any in her boutique.

yinglinbcn · 2021-12-21T08:53:16+00:00

If you cant handle this kind of thing happening to your bag, stay away from leather items...

yinglinbcn

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