Press J to jump to the feed. Press question mark to learn the rest of the keyboard shortcuts
View
Sort
Coming soon
13

The FAQ in /r/financialindependence is pretty great, but i can't seem to find an equivalent with Europe specific information. Can someone point me in the right direction?

13
19 comments

You only pay capital gains tax when you sell a stock. As long as you don't sell, there is no gain to tax. I am a buy-and-hold investor so I rarely sell any stock that I buy, or if I do, I try to offset the gain by capturing a corresponding loss.

Imagine I buy a stock for €20 when I'm living in France. Eventually, I move to Switzerland and the stock has risen in value to €90. I sell the stock and recognize a gain of €70. Since there is no capital gains tax in Switzerland, no tax is due.

Three months later, I buy back the same share at €95. That's my new cost basis. I keep holding the stock and retire to the French Riviera. The stock has now crept up to €130 when I decide to sell it for the second time, leaving me with a gain of €35. Because I took the opportunity to sell the stock while I was living in Switzerland, my gain is €35 instead of €110, meaning I owe a lot less French tax.

see more
Original Poster3 points · 14 hours ago

You only pay capital gains tax when you sell a stock.

I guess that's country specific. In Denmark for example you pay every year on your yearly gains.

What? So in years where your stocks go down do you claim tax rebates?

This seems really inefficient, but then Denmark seems like a nicely run country so maybe in wrong.

see more
Original Poster1 point · 1 hour ago

So in years where your stocks go down do you claim tax rebates?

Yes that's correct

This seems really inefficient, but then Denmark seems like a nicely run country so maybe in wrong.

A lot of things seemed weird to me in Denmark as well at first. The more time i spend there the more i realise they make good sense and can see why they do it. For the taxes i assume is simply that all taxes are collected once a year. It doesn't matter what type it is, it happens all in one go. But there might be another reason...

Load more comments

My esthetician was giving a Brazilian wax to a new client. New client goes on and on about this new guy she is dating, and how he's a bartender at XYZ. Estheticians boyfriend was the bartender.

Always fun to find out you are knee deep waxing the pussy of the women you are being cheated on with.

see more

knee deep waxing the pussy

I don't think your waxing technique is correct

I’m not sure I want to know the story behind your username

see more

It's just lyrics from a song :)

That he listened to while watching fat girls take dumps

see more

You caught me!

Load more comments

I have several. I use ING-DiBa for buying individual ETFs and OnVista for making savings plans mostly. I used to have a Degiro account as well but they suck taxwise in Germany at least.

You could look at JustETF. The link leads to a Vanguard FTSE all-world etf. There you can see at the bottom which broker in Germany would be cheap to set up a savings plan with.

see more
Original Poster1 point · 16 hours ago

a savings plan

By savings plan you mean they will withdraw XXX EUR a month from my bank account and invest in ETFs of my choice?

Can you help me understand justETF's terminology a bit better? In the top 5 brokers the middle column is "Savings plan offer", what exactly is that? The brokerage fee is the fee they would take to take my XXX EUR and invest it in the ETF, right(every broker i see there doesn't take a brokerage fee i just want to understand what i'm reading)?

By savings plan you mean they will withdraw XXX EUR a month from my bank account and invest in ETFs of my choice?

Exactly. Like, you set up a plan say for 100€. Then every month at one point your account will get charged for 100 € and it will be invested in whichever etc you'd like. Many brokers have special ETFs that they don't charge for. Mostly though these saving plans can be really cheap even without that. For example DKB takes 1.50€ per execution. If you invest 500€ per month through a savings plan going on the aforementioned ETF with them it will cost you 0.3% of your order.

Can you help me understand justETF's terminology a bit better? In the top 5 brokers the middle column is "Savings plan offer", what exactly is that? The brokerage fee is the fee they would take to take my XXX EUR and invest it in the ETF, right(every broker i see there doesn't take a brokerage fee i just want to understand what i'm reading)?

No, sorry, had to look it up myself and translate it into German to understand what they mean. Brokerage fee is the fee it costs to have a brokerage account there. It consists of a portfolio and most of the time an account where you need to keep the money you'd like to invest. Usually the brokers here don't link with your checking account.

The saving plan offer is what you'd pay for each execution of the plan.

see more
Original Poster1 point · 15 hours ago

Thank you for clearing all that up!

Load more comments

Can you share what low cost index funds you are using?

Recurring debit instructions on your bank account, recurring deposits, systematic investment plans (where the money is collected by fund houses on the dates you choose), etc. None of these sounds familiar?

see more
-3 points · 21 hours ago · edited 21 hours ago

None of these sounds familiar

No, that's what i'm asking. I'm not trying to be an asshole, just want to learn.

So you set up bank transfer that is repeated every month (or whatever period you set)? Where do you send the funds to?

You probably want to start with the sidebar on this sub. There is a great deal of jump start instructions/guides there. Use it ! Come back if you still need clarity on something...

see more

Thank you

Load more comments

You should contact Heroku support on this. I don't see how using the web interface would affect pricing. If you are using server resources, for whatever reason you will get charged.

"Heroku usage is computed from wall-clock time, not CPU time. This means that usage accumulates over time as long as dynos are enabled, regardless of traffic or activity."

https://devcenter.heroku.com/articles/usage-and-billing#computing-usage

54 points · 1 day ago

My topical understanding is that ES6 now natively supports nearly everything jQuery used to fill in for, making it more or less obsolete.

see more

ES6 doesn't work on older browsers, but yes - you do make a good point

[insert 46 facepalms here]

see more

46 might not be enough, i'd try with at least 80

7.8k points · 1 day ago

"Wait, that's the same Vladimir V. Putin that we saw the other day? Aw guys, you gotta tell me these things!"

see more

To be fair it is a popular name in Russia. I can totally see how he could think it was Vladimir who pumps gas down the street from the US embassy in Moscow

Original Poster1 point · 1 day ago · edited 1 day ago

Thank You very much for such a detail feedback and looking into the code. Realy appreciate. It will definitely help me. 

4 - I guess I was overthinking when I put a section in a header. Well, it just felt to me that this welcome section is like a header itself and kinda belongs to the header.

5- Lack of consistency... If I would just know (and I should now) what am I doing before the doing... the worst thing for me is that I don't have plan or design before building. I know it is bad. But for now, I was just trying and learning things on a go. Maby I will try to rewrite the code... I know ' transform-style: preserve-3d '  is not working on IE, but I did not find a way to do something different based on that property support. I guess I should not use it at all.

10- I did have all the colours in CSS variables and used them in js, but could not make them work in IE. Was not sure how to use the fallback colours in js.  

 I am just starting using JS, it is still a high mountain for me... 

Can't wait to improve, I hope I will.

Thanks

see more

4 - I guess I was overthinking when I put a section in a header. Well, it just felt to me that this welcome section is like a header itself and kinda belongs to the header.

Read up what sections are for and how/where to use them

5- Lack of consistency... If I would just know (and I should now) what am I doing before the doing... the worst thing for me is that I don't have plan or design before building. I know it is bad. But for now, I was just trying and learning things on a go. Maby I will try to rewrite the code... I know ' transform-style: preserve-3d '  is not working on IE, but I did not find a way to do something different based on that property support. I guess I should not use it at all.

You don't have to support IE if you don't want to. Just choose what browsers you want to support and make sure ALL of your CSS will work on them.

10- I did have all the colours in CSS variables and used them in js, but could not make them work in IE. Was not sure how to use the fallback colours in js.

I meant storing them in js variables, to use in your JS code. CSS variables would be the better solution but it seems you are aware of the drawback

It's perfectly OK to make mistakes. Just make sure you learn from them and don't repeat them. Go back and review your old code. You'll see things you missed and understand how much progress you've made

  1. Don't use head or body tags in codepen
  2. Format your code!!!
  3. Words in HTML attributes should be lowercase and separated by dashes
  4. Why do you have a section in your header?
  5. Not a lot of consistency in your CSS - it's not ordered in any logical way as far as i can tell and your browser support is spotty
  6. Don't use IDs for styling if you can use classes
  7. Line 6 in your JS - why are you using clientWidth. Why can't you make that element round with CSS anyway?
  8. You're doing a lot of dom queries in functions, Why? You're querying the .about-project on line 17 and 37. Try not to duplicate code and avoid unnecessary execution
  9. querySelectorAll returns a list, why are your variables singular when they're likely to contain more than one item
  10. All those colours in your code for scrolling should be stored in variables somehow
1

I want to change the name of a file i have stored on the server. I can't find any info how to do this. Can someone point me in the right direction?

1
11 comments
2 points · 2 days ago

Then why does the filename matter?

see more
Original Poster1 point · 2 days ago

They are able to see the filenames, but they don't have direct access

1 point · 1 day ago

Then why not change the filename in your database or whatever it is you're using to store metadata? Or, even better, add an "archived" flag to the metadata itself.

see more
Original Poster0 points · 1 day ago

I appreciate your effort to help me out, but i'm just not willing to write down the whole logic of this part of the app. I have my reasons why i need to do it, i found out i can use os.rename() to do it.

Load more comments

Hope for the best, prepare for the worst :)

Totally agree. I'm just saying very few people's worst case scenario here includes all their stock going to zero ... even though that is the worst case. In Europe, very few people consider social programs to go to zero for the same reason.

see more

In Europe, very few people consider social programs to go to zero for the same reason.

I'm more worried that they might not support a decent standard of living. My grandparents worked multiple jobs pretty much all their life and get less than 100 EUR a month from their pension. Which sucks of course. And this is the case in most of Eastern Europe.

Anecdotal evidence isn't something you should base your financial decisions on, i'm just explaining where my scepticism comes from.

Totally; I'm a proponent of a well diversified investment strategy. But it's not as if citizens of countries with strong social programs can just opt to invest more into the stock market and forgo those programs.

Insofar as they're required to support those programs, and insofar as they should be doing everything possible to invest outside those programs with what limited income they have left after paying taxes, they should do that.

But the fear of losing something you really have no control over or choice in the matter is silly.

see more

But the fear of losing something you really have no control over or choice in the matter is silly.

If you have no control over it how can you be sure if it will remain or not?

Load more comments

499 points · 3 days ago

I think the pic doesn't do justice to the elevation change. Which is why the wild curve and gentle bends.

see more

Check it out on google maps in 3D - https://goo.gl/maps/YpDNJEiAjuw

Doesn’t work for mobile users

see more

Open it as a desktop site?

Load more comments

Could you point to Arkansas? I know it’s a state and not a country but there is a matter of scale to it all. Practicality is also a factor, you can easily drive to other countries and can only get to the states by plane. Europe is a bunch of countries all close together so of course you know the geography of the area.

see more

Could you point to Arkansas

It's not a country though...

The distinction is pretty arbitrary frankly

see more

Sure but like awoloozlefinch said it's a matter of what is practical. I'd argue knowing different countries and their capitals is practical and useful. Knowing a specific region in the country or other detailed information would be overkill IMO, though it certainly won't hurt.

Even if we ignore the geographical POV, the Czech Republic has been the site of many important historical events. There's lots of reasons why educated people should have heard of it, geography is just one of them

Could you expand on this? Are you saying that it's not too hard to start your own company and make much more?

see more

I think they were trying to say freelancing can be very lucrative (solo or in a team)

Original Poster1 point · 13 days ago

Do you guys have any idea of whats causing that?

see more

Open your browser console. the image link isn't working

"Failed to load resource: the server responded with a status of 403 ()"

  1. Don't use body or head tags in codepen
  2. Work on your naming, is img-div only going to work on images in divs, or am i supposed to use that ID only for elements who fit that description. It can be confusing
  3. HTML attributes should be lowercase and separated with dashes
  4. Don't use IDs for styling unless you have to, use classes instead
  5. Try and make your page responsive

I see the humor in your comment, and I appreciate it. +1

But... When I was deployed to Iraq, they trained us to keep an eye out for dogs trained to approach Troops. They were trained to approach Troops, because they would insert explosive in the dogs (anally, or surgically). We'd have to watch for wires hanging out of their asses, or stomachs.

As soon as they got close enough... Boom.

So while Dogs can't be terrorists, they can be hired by them. Benfits suck, but the pay is great. They just never show up for their last paycheck.

see more

Explosives were strapped to dogs on the Eastern front in WWII as an anti-tank measure by the Nazis.

When the dogs were deployed however they didn't run towards the Russian tanks, but instead blew up the German armour.

Heavy Sigh...I see this misinformation spread on Reddit constantly. Dogs can absolutely blow things up even though they lack opposable thumbs. They often get some sucker (rube) to build them a "bite-activated" trigger.

You see, fatgirlstakingdumps, what you fail to understand is the the paw is not the dog's equivalent to the human hand. A dog's mouth is how they grasp things and blow shit up.

see more

Damned dogs! Taking hard working terrorists' jobs!

Load more comments

12

I have a Node.js + React (Redux, React Router v4) and i need to create a sitemap for it.

I saw libraries like https://www.npmjs.com/package/react-router-sitemap but they don't work with the latest version of the router.

Any ideas how i can make the sitemap (apart from doing it manually)?

12
9 comments

i having the same problem, that's not applicable for react router v4, http://botmap.io/ is not dynamic.

see more
Original Poster1 point · 11 days ago

It's not dynamic, no one said it was. All it does is it creates a sitemap of the current pages of your site. Beats doing it manually...

Nah, they serve it before even bringing appetizers at a good amount of them.

see more

Yes, but that doesn't mean you're supposed to immediately eat them. Why would you fill up with bread before even the appetisers have arrived?

Why would they put them there so early if they didn’t want to eat them. And I don’t fill up on then, but even a couple pieces gets you really thirsty so where a free refill would be quite nice.

see more

Why would they put them there so early if they didn’t want to eat them

It's easier for the waiters to serve it in that order. Usually they are supposed to bring bread with the main course, so the bread doesn't get stale, but often times they don't bother with it.

Load more comments

284 points · 15 days ago

This seems like it’s out of the South Park Yelp episode. But it isn’t.

see more

That episode is where they probably got the idea from

28.7k points · 16 days ago

There is a place in England called the "Rhubarb Triangle" where rhubarb grows so fast you can hear it.

see more

Ah a fellow QI enthusiast

Comment deleted17 days ago

What would be the ramifications if you stop wearing it? Why do you continue wearing it?

u/fatgirlstakingdumps
Karma
12,685
Cake day
September 13, 2015
Trophy Case (2)
Two-Year Club

Verified Email

Cookies help us deliver our Services. By using our Services or clicking I agree, you agree to our use of cookies. Learn More.