2021.12.08 07:36 Top_Location Next Avenue: Is work/life balance just a fantasy? Next year, get more life in your life
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2021.12.08 07:36 -Temeraire- Just a sketch
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2021.12.08 07:36 liveitupbrah Which Reverse-Flash suit is better?
2021.12.08 07:36 someredditusername91 Schon wieder bAV :)
Ich habe ein bAV Angebot vorliegen bei dem 150€ ohne mein Zutun vom AG beigesteuert werden und weitere 20% meines Bruttobeitrags vom AG dazu kommen. Voraussichtliche Jahresrendite der Anlage ist ca 3% nach Abzug der Kosten. Ist eine Mischung aus Anleihen und Aktienfonds. In den ersten 5 Jahren sind es ca 2500€ Gebühren (ca. 500€ p.a.). Der 150€ AG Zuschuss schluckt das aber locker weg, so dass ich auch direkt schon Plus mache, auch wenn man ca. 200€ Betriebskosten p.a. und ein paar Prozent auf die Einzahlungen wegrechnet.
Wie viel Eigenanteil haltet ihr für sinnvoll? Vergleichsbasis ist natürlich, das Geld selbst in ETFs anzulegen für ca. 37 Jahre. Nach groben Überschlagsüberlegungen klingt es so als wären 50€ Eigenanteil (Brutto) noch vorteilhaft für mich. Der AG stockt den Wert ja auf das 4,2-fache auf (210€) und selbst mit nur 3% Rendite kann ich eine Verdreifachung erwarten, also insgesamt ca. eine Verzwölffachung. Ein ETF schafft das auch mit 7% über 37 Jahre, aber natürlich wären die 50€ Brutto umgerechnet in Netto weniger Wert, weshalb ich für gleiche Leistung mehr als 50€ Brutto im Sparplan verbrauche. Dagegen stehen natürlich die verminderten Sozialleistungen und Rentenversicherung usw. Man müsste konkret alle Steuern und Leistungen gegenrechnen, aber was in ein paar Jahrzehnten ist steht sowieso in den Sternen. Intuitiv würde ich die bAV mit 50€ Eigenanteil als ungefähr gleichwertig zu einem ETF Sparplan mit dem gleichen (Brutto-)Betrag bewerten, wobei große Unsicherheiten in beide Richtungen bestehen. Es wäre ein weiteres Standbein im Alter, das zwar unflexibler aber auch sicherer als ETFs ist.
Ein AG Wechsel in den nächsten Jahren ist nicht unwahrscheinlich (aber auch nicht geplant). Angeblich kann man dann die Summe einfach in eine bAV die vom neuen AG unterstützt wird einzahlen. Zahle ich dann noch mal die Provision in den ersten 5 Jahren? Das wäre denke ich das Hauptproblem, neben der Tatsache dass natürlich die neue bAV insgesamt schlechter sein könnte.
Was haltet ihr davon? Sind meine Überlegungen zu naiv? Lieber nur die 150€ geschenkt mitnehmen? Gibt es weitere Aspekte? Danke!
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2021.12.08 07:36 theasialive CDS Rawat was on-board crashed chopper, confirms IAF; orders inquiry
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2021.12.08 07:36 AstronautNo777 Who wants 120.000$ giveaway ?! You can be one of first people on discord and have huge advantage from the beginning! , this project will grow incredibly! 🔥🔥🔥 ONLY 1 HOUR to enter ! 🔥🌪
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2021.12.08 07:36 Russian_Bagel Georges Seurat - Bathers at Asnières (1884) [2521 x 1663]
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2021.12.08 07:36 ShinraRatDog Seems like the amount of people abusing chocobo-melee in this game has skyrocketed immensely ever since the new patch.
Genuinely about to uninstall the game. I forgave the game for a lot on release and even managed to grind to Premier Trooper Lvl 2 in ranked before I stopped being able to find lobbies, but there's nothing more frustrating than dying to some a-hole running around spamming melee from the safety of their chocobo. Sorry for the salt thread but until chocobos are nerfed I think I'm done with this game, it's ridiculous. I'd take a game full of 75 weeb warriors running around with their sword over this any day.
submitted by ShinraRatDog to FF7FirstSoldier [link] [comments]
2021.12.08 07:36 ElgonorPrime 6
2021.12.08 07:36 ekrammarfa In a year about 12% our money losing value. Still worth it saving money?
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2021.12.08 07:36 EvanBondz Labswap ⚗️$LAB | Don't miss this rocket | DeFi | DEX Release 24th December 17:00pm (UTC) | Organic Grow | Low Market Cap | Next x100 | Huge Potential | 0% Tax fee |
🧬The Labswap ecosystem is expanding!! Our decentralized exchange (DEX) and automated market maker (AMM) with Stake and Yield Farming will be released 24th December 17:00pm (UTC)
🧪Our staking and other DeFi features will further increase the demand and reduce the supply, while continuing to enable growth in value through staking and NFTs.
🧫With our yield farm, you will be able to get more benefit from your Labswap. Because our token ($LAB) is not exploitable, we may adopt a dual token mechanism and use an alternative token to make profits.
$LAB is a decentralized finance (DeFi) token that operates on the Binance Smart Chain (BEP-20).
The token was launched with an initial 10B (billions) tokens 0% Tax fee
✅We are already launched on pancakeswap!
Token symbol: LAB
Maximum supply: 10,000,000,000
Network: Binance Smart Chain [BSC]
● 60% for Liquidity :. 6,000,000,000
● 10% Marketing :: :. 1,000,000,000
● 10% Ecosystem :. 1,000,000,000
● 15% Exchange Listings :. 1,500,000,000
● 5% for Core Team :. 500,000,000
Don’t miss this moonshot! Join us before FOMO!! 🚀
📲 Twitter: https://twitter.com/labswap_io
🌐 website: https://www.labswap.io
submitted by EvanBondz to MarsWallStreet [link] [comments]
2021.12.08 07:36 moneymanram Hey, I’m giving away beats!
2021.12.08 07:36 Toma357 Katakombe i kripte ispod gradskoga trga Cimiter u Senju. U senjskim katakombama danas se nalazi 200 grobova. Zadnji ukop je obavljen 1868. godine nakon čega je zabranjen ukop u starogradskoj jezgri.
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2021.12.08 07:36 J_WingBlade Tarot Card Meanings and Names
Hi Im starting to get interested in making tarot cards as a bit of a hobby. Do the cards need set names and meanings or can they have any name and no meaning? When I say any name I mean something like the silent hero not bob
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2021.12.08 07:36 Sir_Kotlet_VI As a Ferrari fan I have a message to my fellow Mclaren supporters
Before the last race at Abu Dhabi I just wanted to say that this year's battle for third in the WCC was truly amazing and it wouldn't be so good without you guys. I hope we are going to have very similar battle next year, but this time fighting for a WCC.
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2021.12.08 07:36 ZoolShop Cancer: Drinking dairy milk may increase the risk of breast cancer by 80%
2021.12.08 07:36 mothman-is-hot Should I be freaking out as much as I am?
So my boyfriend of two years can’t come to the early Christmas celebration my family is having (my brothers girlfriend is going away for the holidays) and he can’t come to the gathering I’m having with my friends (for the first time in two months) because he’s working 4pm-8:30pm every weekend. And in the week he’s busy studying (year 12), doing his life saving courses, teaching drums, being taught instruments, at his dad’s and swimming.
The only time we ever see each other is when I organise something, and it only really happens once a week at most because of all the stuff he does. I don’t have any jobs, nor do I go to school (I had to drop out due to mental health) so I have a lot more free time and feel a lot more lonely. I can’t really see my friends much either as they all have at least one job, are at school, or studying.
He also works a job with his friend who he used to be head over heels for. She’s not a very nice person as she voiced how much she hated us dating and was very insulting and was a bully to us because she was jealous that it wasn’t just about her anymore (she’s an overly spoiled only child). And my mother and I fear that she’ll either try to make a move or try to stir shit up between us. My boyfriend has said she’s not like that anymore and she’s changed, but I don’t know.
I don’t know if I’m just being an idiot or not, I just feel really isolated and forgotten. I’m also being pressured to get a job but I can hardly handle going outside by myself (severe anxiety). I just feel hopeless and alone. I’m just sitting in my room and crying in the dark because I feel like I’m being left behind by everyone I know.
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2021.12.08 07:36 Ellieminimay Throne Wishlist Invite Code
Hi everyone! :) I hope you're all having a lovely day!
I was just wondering if anyone had a spare invite code to Throne Wishlist? I've been on the waiting list for a few weeks now so would be super duper grateful! Happy to share my own invite codes once I'm in <3
Thank you x
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2021.12.08 07:36 freekbarten Hap Ac3, setting up CAPsMAN, iPhone not connecting
Yesterday I bought this awesome Hap Ac3 for home use and my first time setting up CAPsMAN. Got the 2G and 5G up and running after searching far and wide for online setups and help.
My Lenovo laptop can connect, but my iPhone 12 is keep trying connect, without fully connecting. I've seen people have issues with this before, but they were from couple of years ago.
Does anyone have an idea where I should be looking at, or what a common issue is? If you need more info about my settings, let me know. Thanks!
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2021.12.08 07:36 EnemiesAllAround How much of a honour would it be in ancient Rome to be made a centurion and how experienced would a soldier typically be to get such a position?
I've recently begun studying ancient Rome in my spare time. Something I've recently been looking at specifically was the infantry tactics round about the time of the second samnite war when they changed from the "phalanx with joints" to the newer model of fighting to cope with the mountainous terrain the Romans found themselves in.
I'm aware that centurions were expected to be the first into battle and the last out, and am curious about anything relating to that and the position itself..but primarily I'd like to understand the reputational gains this would have provided in ancient Rome and also how experienced a legionnaire would need to be to get it.
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2021.12.08 07:36 casualcarlene SKYLE - Winter Special Digital Single 'Our Christmas' (Concept Images - Invidual + Group)
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2021.12.08 07:36 MaybeNyphomaniac Someone asked me to record myself moaning for them
2021.12.08 07:36 goon1357 Test
2021.12.08 07:36 Minute-Stand1985 ‼️FREE 5x Angry Bull ❌ MySimplicated RARE NFT windbreakers 💥🐂
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2021.12.08 07:36 EMF911 The quintessential Lincoln Log roof
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