SNL cold open goes after moronic MSNBC cast
2025.01.19 13:09 CovidUsedToScareMe SNL cold open goes after moronic MSNBC cast
 | submitted by CovidUsedToScareMe to Republican [link] [comments] |
2025.01.19 13:09 LowSero 18M looking for girl (18-20) (never had gf before)
 | submitted by LowSero to teendatingapp [link] [comments] |
2025.01.19 13:09 Potagerneration POIRE de TERRE (YACON): Secret d'un légume incontournable au potager
 | submitted by Potagerneration to jardin [link] [comments] |
2025.01.19 13:09 Dan_igrok Tips about my FIRE strategy (35Y, 70K€)
Hello everyone! I've been coming here to read a lot of the posts and responses, but I haven't posted anything myself before. So I thought about making a post about my strategy and getting tips on how to improve it.
Who am I?
35 years old man, working as a data analyst (5 years experience). Single, living in an apartment that I rent. I currently have a salary that I consider quite comfortable : I've earned 53,7 K€ netto last year. This includes everything except the meal vouchers. Being a renter and having no kids, I manage to save a decent amount of money : 33,8 K€ have been invested last year. I've also switched last year to a 90% contract to enjoy life a bit more (estimated loss - about 220€ a month). No car, no pets, no crazy expensive hobbies. My only extravagant expenses are various travels (I spend easily 5K€ a year for those).
My goal
Like most people here, I would like to give myself the opportunity to FIRE. I've estimated that I would need a portfolio of 765K to do it, inflation included, and by considering that my expenses and current situation don't change significantly.
My current portfolio
I'm currently investing in a mix of ETF's and bonds (mainly crowdlending). My current bank is Belfius, and I invest mainly through their platform Re-bel. Although they are not the cheapest broker, it suits my current needs (about 10-15 transactions a year, no need to declare TOB myself). I thought about switching to Degiro or Trade Republic, but I thought it would be a bit more hassle for no significant gains. The crowdlending is done through Ecco Nova.
The current amount of my portfolio (saving account included) is about 70K. Here's the breakdown :
- Savings Accounts (Belfius Fidelity, 2%) : 8,0K€ - Time-deposit account (2,66%) : 1,0K€ - Belgian State Bonds (2,24%) : 1,1K€ - Crowdlending projects (6-8% netto) : 9,5K€ - Amundi MSCI World Information Tech. - UCITS ETF EUR cap : 6,2K€ - Amundi Physical Metals Gold - ETC perpet : 5,6K€ - Amundi S&P 500 - ETF EUR UCITS cap : 15,7K€ - iShares Core Global Aggregate Bond - UCITS ETF EUR Hedge cap : 1,0K€ - iShares Core MSCI World - UCITS ETF USD cap : 20,8 K€ - iShares S&P 500 EUR Hedged - UCITS ETF cap : 1,0K€
The approach is to buy mostly S&P500/MSCI World and hold them on the long term. I'm also buying a World Information Tech to increase the performance, and bonds to decrease the volatility. The Gold ETC was bought for diversification reasons (it seems people tend to buy those when the market isn't performing great).
What I'm thinking about the future
In the near future, I'm thinking about continuing investing by keeping a relatively similar portfolio composition. I would like to slightly increase the weight of my MSCI World/S&P 500 ETF's and slightly decrease the weight of bonds. I might introduce a little bit of cryptos for diversification sake (not more than 5% as I don't want too much volatility). I've also been disappointed in the performance of my Hedged EUR ETF's and I'm thinking about selling those.
In the more distant future, I'm seriously thinking about switching jobs in 1-2 years and to work abroad for 3-4 years (and then come back). I'm thinking about Switzerland (good salaries, no capital gain tax, and proximity to mountains which I love). Hopefully it will give my a short boost to my FIRE journey.
In the long term, I'm still hesitating about buying property. On the one had, buying an apartment on my own will cost a lot, and will require time, money and energy to manage it. On the other hand, it will be easier to FIRE if you don't need to worry about rent. I still haven't reached a decision over it.
What would be your advice ?
What would you advice me to improve my FIRE strategy? Specifically, do you have any advice to improve my portfolio composition? Or any general tips regarding ways to generate revenues according to my current situation? Any tips are welcome !
Thanks in advance !
submitted by Dan_igrok to BEFire [link] [comments]
2025.01.19 13:09 Kaboogey Two years of my sculpting progress. No one is good at this at the start...
 | submitted by Kaboogey to blender [link] [comments] |
2025.01.19 13:09 Longjump_protissarvi my post was hit with the rule 3 so i did my homework next to it to show that i care
 | submitted by Longjump_protissarvi to geometrydash [link] [comments] |
2025.01.19 13:09 lifeofamour AITA for Not Wanting to Be the Guardian for My Estranged Sister’s Children?
My sister (38F) and I (35F) have never had a good relationship. She’s always been critical and dismissive of me, and we drifted apart over the years. She has two children (10M, 8F), and recently she and her husband were involved in a serious accident. They’re both okay but have started planning for the worst, and she’s asked me to be the guardian of her kids if something happens to them.
I was taken aback by her request, given our rocky relationship, and told her I wasn’t sure I was the right person. She got upset, saying I was their only family, and it was my duty to step up. I love my nieces and nephews but feel unprepared for such a responsibility, especially given our history.
Now, our family is pressuring me, saying I’m heartless for not agreeing immediately. AITA?
submitted by lifeofamour to AITAH [link] [comments]
2025.01.19 13:09 Mattso90 Riflessione Esistenziale
 | submitted by Mattso90 to poesiaITA [link] [comments] |
2025.01.19 13:09 EnJee25 My computer makes a screeching sound
I've had my computer for almost a year now and for the past 2 months or so whenever I turn it on it makes a weird screeching sound and I don't know where it comes from. It stops after a few seconds so idk if it's alarming or not. it also doesn't make a sound if I restart it. Any ide what could be causing this sound?
ps: this is my first time posting on reddit so I don't even know if I chose the right community.
thank you in advance for yout help!
submitted by EnJee25 to computerhelp [link] [comments]
2025.01.19 13:09 Consistent-Leek4376 Faculdade com ingresso apenas para o primeiro semestre
Aqui na minha região uma faculdade começou a ofertar medicina esse ano, mas no sisu ofertou vaga apenas para o primeiro semestre. Isso é comum? Nunca tinha visto uma faculdade oferecer vagas apenas para um semestre, estou pensando que talvez chemem a lista de espera no segundo semestre. Existe essa possibilidade?
submitted by Consistent-Leek4376 to enem [link] [comments]
2025.01.19 13:09 MinimalBasher Swapped token is missing? Buy
 | Swapped around 45 minutes ago. But my balance is still 0? Can anyone please help me submitted by MinimalBasher to UniSwap [link] [comments] |
2025.01.19 13:09 Objective_Animal1941 Proud BigBear Ai
Proud of BigBear Ai , has 40 % employees of PROUD Veterans!!
submitted by Objective_Animal1941 to BBAI [link] [comments]
2025.01.19 13:09 RPT1399 Is it normal iphone15 😭🏃♂️
submitted by RPT1399 to iphone15 [link] [comments]
2025.01.19 13:09 parmyking Day 499
 | Hey guys; day 499 in an hour. I've decided to start blogging and sharing my poetry about getting clean on Substack. I would love to have you join and follow along! (All content will be free indefinitely, this isn't a money making scheme for me.) submitted by parmyking to GamblingRecovery [link] [comments] |
2025.01.19 13:09 Upbeat-Air-4273 167416918245 wb Shadow Ho-Oh Starts in two minutes. Hurry up and add before the lobby fills up. 2 locals with party power.
 | submitted by Upbeat-Air-4273 to PokemonGoRaids [link] [comments] |
2025.01.19 13:09 mrsniffles1 FOIA requests helpful? Did you know the helpful materials existed before requesting? How did you estimate the cost you were willing to pay?
I recently made a request that turned back nothing. Now I'm wondering if that was because my cost estimate was too low or if there was really no relevant results from any search. The response did not really indicate specifically.
For those who have had success with these, how have you tailored these requests over time to make them worthwhile?
Many thanks in advance.
submitted by mrsniffles1 to Lawyertalk [link] [comments]
2025.01.19 13:09 Ok_Fee7807 What POV is better while writing a story
If there are any authors can you please guide me? I have many drafts of stories i wrote over the years many are completed and some are not all my stories are in third person pov and now i want to self publish some but most of the stories i read are in first person pov, how can i describe the thoughts of other persons of minute details of story of i write in first person pov.
submitted by Ok_Fee7807 to authors [link] [comments]
2025.01.19 13:09 Yourlastbrainc3ll Please help me play with my puppy!!
 | Can't do it without You! Just a click to accept my invitation! Your Friend Are Grabbing a Free Gift - You Both Deserve Too! Don't Miss Out, Click to Get Your Freebie https://onelink.shein.com/7/4csrh9gyuzbb submitted by Yourlastbrainc3ll to Shein_PuppyKeep [link] [comments] |
2025.01.19 13:09 Upset_Ad_8374 The Power is on folks 🔥🔥🔥
submitted by Upset_Ad_8374 to indiedisco [link] [comments]
2025.01.19 13:09 Badtimer2004 ...i want to die.
 | submitted by Badtimer2004 to lostpause [link] [comments] |
2025.01.19 13:09 Miserable-Present835 How does "Google Finder" work with JBL Live 3 earbuds?
Whilst searching online, I've come across 2 different explanations as to how it works.
- JBL earbuds are compatible with Android Find My Device, where they use a network of "over 3 million" other Android devices to help locate lost earbuds (I wasn't entirely convinced by this, sounds too good to be true, however this was on the JBL website)
- JBL app can show you when and where your earbuds were last connected.
Can someone please help me confirm which would be the most likely case? I'm just going round in circles with this!!
submitted by Miserable-Present835 to Earbuds [link] [comments]
2025.01.19 13:09 l_Denied H: Pounders, Rejuv, Tankys W:Bulk useless 3 stars
submitted by l_Denied to Market76 [link] [comments]
2025.01.19 13:09 Serious_Ad8819 Compustar remote start for 2022 MDX
Hi guys, Considering install a remote start but do not want to pay for the OEM one due to the range and price (or subscription:) Have any of you installed the compustar remote start on the 2022 MDX? Does it impact the function of the current keys and car warranty? Thanks!
submitted by Serious_Ad8819 to Acura [link] [comments]
2025.01.19 13:09 Hupfelkuchen This set of wedding rings has start and end dates engraved in them (both have the same dates and they’re exactly 30 years apart)
 | 06.12.1974 - 06.12.2004 Says that on both rings. I can’t explain why anyone would engrave “end dates” on wedding rings. Did they both die that day? submitted by Hupfelkuchen to Weird [link] [comments] |
2025.01.19 13:09 Much_Good_4677 Shadow ho oh 492326550669 adding 7+
submitted by Much_Good_4677 to PokemonGoRaids [link] [comments]