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Old 09-13-2018, 04:10 AM   #2476
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Re: Cause and effect

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Old 09-13-2018, 09:09 AM   #2477
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Re: Cause and effect

Hey, Fox.

cool picture. Your drawing?
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Old 09-13-2018, 09:22 AM   #2478
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Re: Cause and effect

My food yesterday. It is a type of dish very popular in a former UdSSR area.
It is cold and a mix of various cut in pieces ingredients. It is called salad in russian. There are a lot of very different salads. But it is not the kind of salad that the westerner connects with word salad. It can have some kind of sauce/dressing/majo on it.

Here I have sauerkraut, apples, beetroot and potatoes. No other dressing. It is pretty healthy and I like the taste. I think it was about ~1,5 kg of the stuff with 400 gr of sauerkraut and 500 gr of beetroot. I ate it all for breakfast, lunch and dinner yesterday.

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Old 09-13-2018, 09:39 AM   #2479
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Re: Cause and effect

That looks good to me and I'm not sure what else a Westerner would call it other than a salad. Although I agree it may seem a bit "alternative." Still, though, here in the Midwest of USA#2342345234 there are all sorts of weird "salads" - like with jello and marshmallow and stuff. So weird.
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Old 09-13-2018, 01:17 PM   #2480
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Re: Cause and effect

hehe

I have yet to try marshmallows in itself and jello in itself.
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Old 09-13-2018, 06:08 PM   #2481
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Re: Cause and effect

Marshmallows are only ever acceptable when toasted on an open fire preferably when camping.
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Old 09-13-2018, 10:28 PM   #2482
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Re: Cause and effect

Quote:
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Hey, Fox.
cool picture. Your drawing?
Hey lapka Thanks, just a Fox pic I found online while reading some of Your blog turned into meme . . .
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Old 09-14-2018, 05:33 AM   #2483
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Re: Cause and effect

Retirement stuff. Betriebliche Altersvorsorge.

I can take 200 Euros from my pretaxed salary and will get additionally 50 Euros from my employer and pay-in into an retirement account. Then when I am 65 I can either get all money at once from it or get some monthly payments. I will have to pay taxes on this payments later.

So ...... is it a good deal? Does Alliance do better than me at managing the money? Will this account have higher interest that I can get if I invest myself? Will taxes that I will pay later be higher or lower than I pay now?

questions questions questions......

I mean..... 200 euros is not the world. So it is not a BIG decision. But still.... worth to invest some thoughts.
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Old 09-14-2018, 07:32 AM   #2484
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Re: Cause and effect

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Retirement stuff. Betriebliche Altersvorsorge.

I can take 200 Euros from my pretaxed salary and will get additionally 50 Euros from my employer and pay-in into an retirement account. Then when I am 65 I can either get all money at once from it or get some monthly payments. I will have to pay taxes on this payments later.

So ...... is it a good deal? Does Alliance do better than me at managing the money? Will this account have higher interest that I can get if I invest myself? Will taxes that I will pay later be higher or lower than I pay now?

questions questions questions......

I mean..... 200 euros is not the world. So it is not a BIG decision. But still.... worth to invest some thoughts.
It is generally a good idea to capitalize on any match plans offered by your employer (and not even think about it). Effectively, you get a 25% return straight off the bet. Do not know if you have that option, but here in US you can typically choose one of several investment plans or a combination thereof that the funds could potentially go to.
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Old 09-14-2018, 10:53 AM   #2485
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Re: Cause and effect

lapka,

Yes, it is a good deal, assuming it works anything like those plans usually work. I just took a "household finances and wealth management" course in my finance masters program this spring, and stuff like this is something we spent quite a bit of time on.

You get to invest the money before paying tax on it, which means the initial funds (which the interest is then compounded on for ~25 years) are much bigger than they would be if you invested them yourself post-tax. The fact that your employer is also matching 25% of it makes it an even better deal.

In the end, you will pay a higher nominal amount of tax (assuming the tax rate is the same anyway, I don't know the details of how it works in Germany), but only because you have a **** ton more money than you would otherwise have had.
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Old 09-14-2018, 11:12 AM   #2486
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Re: Cause and effect

yes, yes, yes....definitely a good deal, especially if your employer is matching a percent of your deferral.

Typically you get to choose which funds you want your money invested in. Employer should give you some options.

Sometimes in the US there is a "Roth" option where you can pay taxes on your money now, so you won't have to pay when you withdraw it, but either way, this is a good benefit you should use.
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Old 09-14-2018, 01:27 PM   #2487
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Re: Cause and effect

I just want to echo all the other people encouraging you to contribute to the retirement account. I think we can pretty much guarantee that when you get to be 65 you will NOT say, “Crap, I wish I hadn’t put so much money in this retirement account!”
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Old 09-15-2018, 07:56 AM   #2488
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Re: Cause and effect

Tx, guys.

Hugely appreciate the advice here.

I, sadly, can't choose which funds the money is put-in. What makes me also a little hesitant, is that a dude who sells that, is a typical sales dude. I hate it to deal with such people. He tries to basically stop me from reading the info I can find on the investment company that offers this and tries to push me do decide by this monday. I also don't like that his answer to basically all of my questions is "You write an email to me, and I solve that for you". I mean..... and to whom do I write an email when he leaves this company?

Despite this sales dude I am inclined to do this, especially after your advice. I mean..... I haven't seen yet an overwhelming OOT consensus on any question being wrong.

But I definitely won't give him a decision by monday. I will go to Betriebsrat(=kind of independent consultants intern in my company) and ask them a few questions about this plan.

The sales guy said for example that if I change the employer, the new employer must take over this investment plan and give me the same match. I don't believe that this is true.

@ Fabian

Do you have any pdfs or so to "household finances and wealth management"? If you have something I would hugely appreciate some reading material.
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Old 09-15-2018, 03:59 PM   #2489
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Re: Cause and effect

How bad is it that I have on my to do list reading of certain threads in OOT?
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Old 09-15-2018, 08:00 PM   #2490
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Re: Cause and effect

As long as you read the Cleaning the House thread I think it's ok.
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Old 09-16-2018, 09:40 AM   #2491
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Re: Cause and effect

Is there a link (in English) to somewhere describing this deal and what type of fund this gets invested into, etc? I'm not an expert by any means, far from it, but this is the type of thing I might be spending my days on in the coming years, so I can at least have a look if you want. I'm like you in that I would be immediately skeptical if there's a sales dude involved who pushes hard, but I'm not well informed enough about the German system to make a recommendation.

I do have the lecture slide pdfs from that course, although I'm not sure they make a lot of sense on their own. They're not meant as introductory stand-alone reading, but mainly as a complement to his lectures. If you PM your email though I'd be happy to send them to you and you can have a look, I'm sure there's some interesting stuff there It was a pretty abstract course with a lot of math, not exactly a step by step "intro on how to manage your finances" kinda thing.

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Old 09-17-2018, 03:56 AM   #2492
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Re: Cause and effect

Gogogogo!
Super motivated.

Todo:
- finish one application for state funds (4 hours)
- run + some exercising outside (2 hours)
- chores (1 hour). Here is one difficult task. One stupid huge flying bug decided to share my bed with me yesterday. I threw my pillow at him. Now he is buried under the pillow on the floor. I am scared to lift the pillow. I am less scared of bugs than of spiders, but it is still difficult. So I have somehow to arm myself with vacuum cleaner and somehow deal with this problem.

Thank you Universum for good sleep and for a rare situation with zero stress in any areas of my life.
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Old 09-18-2018, 12:01 PM   #2493
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Re: Cause and effect

Farmer walk as a part of life.

We had a dacha in Karaganda. Dacha describes in Russian a variety of things ranging from a pretty solid second home somewhere at a good distance from downtown to a plain lot of land somewhere in a wilderness, where citizens could grow some food. In our case it was a piece of steppe zero cultivated when we got it. I remember how we tried first time to break-up this steppe soil with hand shovel. I totally can work this thing:


. The soil was so hard that we broke the metal part of such shovels 4 or 5 times. Anyway beetroot was a part of harvest in the first year. And we had neither car no bicycles in Karaganda. The only connection to dacha was a train two times in a day. I was about 14 y.o. and went there often on my own. And I had a huge backpack. Not like today's city backpacks but really solid one for big volumes with belt for better distributing the load. What did I do .... I packed this backpack full of beetroots and walked back because I was to impatient to wait few hours for the train. The backpack contained about 3~4 buckets of beetroots. I think it is about 40 kg. And it was 16 km to walk in 30 C° heat. And it was not some kind of suffering or hardship for me. It was perfectly normal part of life.

And I understand only now how lucky I was because a part of this way went along city landfill site, which was at the same time the place of concentration of human waste: druggies and criminals. And I just walked along like nothing bad could ever happen to me.
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Old 09-18-2018, 03:01 PM   #2494
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Re: Cause and effect

I am so glad that I never considered playing poker for a living, that I never entered this swamp of backing and horses and selling shares of action and angling and being angled.

Brrrrr..... Just one look in the threads in NVG and Tbabs thread in OOT makes me so happy that I don't have to deal with such situations on neither side. It is not possible to be in the middle of that and act along my value system.
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Old 09-18-2018, 04:35 PM   #2495
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Re: Cause and effect

I am good. Had such an impulse to post four times today in nonsensical trolly threads stuff that is of zero use for anyone. Didn't do it. *Selfpraise*
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Old 09-19-2018, 08:05 AM   #2496
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Re: Cause and effect

4 hours in a meeting about my new position. Feeling completely exhausted. In Harry Potter there are such magical creatures who give you a kiss and then your soul is pufff gone. Feeling like that.

I got what I wanted starting with my salary and ending with few conditions. I should be euphoric. Instead feeling like my soul has been sucked out.

And I have another soul sucking exercise today. I still haven't finished my latest application for states funds.
It has a part that should describe why I am sooooooo incredibly terribly over the moon excited to do exactly this project. And I mean..... It is nonsense. It has nothing to do with actual work. And it is a torture for mme to write this crap. The level of my excitement plays no role in how success promising the project is.

Last edited by lapka; 09-19-2018 at 08:10 AM.
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Old 09-19-2018, 08:24 AM   #2497
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Re: Cause and effect

I suffer like a dog. But I have to finish this description today. Then I will have no other soul sucking stuff this week, what would be great.
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Old 09-19-2018, 01:51 PM   #2498
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Re: Cause and effect

Quote:
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I suffer like a dog. But I have to finish this description today. Then I will have no other soul sucking stuff this week, what would be great.
Still not happy with what I wrote. I hate it I hate it I hate it. I am just bad at creative writing.

I remember in the university I had a scholarship. For this scholarship I had to write every semester a report. I wrote what I think was essential: which lectures I visited, which exams I took, how many points I got. The whole thing was about half a page long. I mean.... I included everything that was important. As a response I got 2 pages email from my curator in this scholarship. The essence of this two pages was : "Make it again and make it longer". This example is very representative for my writing.

I got a little bit better with this blog. But it is still hard.

Anyway with this description of my motivation right now. I have it, but I am not happy. I won't do anything more today. But first thing tomorrow is this text.
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Old 09-21-2018, 01:00 PM   #2499
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Re: Cause and effect

On accepting help, asking for help and offering help.

The thing is to make all that soooo that you and your opponent in this social situations feel good about it. Done the right way all that is a huge increase in a quality of life, and that is not because of the actual help but because it allows to build better social connections. And to be better connected feels on autopilot good. Done the wrong way this situations can lead to resentment, feeling of guilt, feeling of debt, feeling of being used.

You clearly can always have a grip on everything yourself, never help anyone and plain not enter this kind of situations. You will then for sure avoid the negative side but also have no chance of having the feelgood from helping someone or having this feeling that you don't have to deal with everything on your own.


I got better with age in that. And there are few points that I try to keep when I enter the situations either as a helper/or as someone who needs help. I never ever accept help if I notice that there is an expectation of anything of sexual kind/ any exclusivity from the other side. That is just a kind of games that never ends well. I am never in the position that getting help or not is a matter of life and death to me. That is too much pressure on the other side and who likes to be under pressure. If I ask for something I try to formulate it so that people can very comfortably say "no", that it won't become awkward. If I offer something, it is because I am truly comfortable to invest my time/money/energy and getting nothing in return. I never ever offer anything because of the social pressure. I am also pretty comfortable with saying "no" (exception is my mom ). If I accept help it is always truly making my life in some way better and I correspondingly show it. I show what it meant to me and how my life got better because of this help.

I think I kinda have a good grip on that. I think that it is pretty balanced in my social environment what I do get from it and what I invest in it. I do for example get a lot of smaller helps in my job. I get for nothing just along a coffee and a chat opinions, ideas, advice for which other people would have to pay hours from their projects. I get a lot of food for nothing because people know that it won't be wasted with me and if I don't eat it myself I will find someone who will eat and appreciate it. I get a lot of help with all reppairy/ renovation / moves things because people know that I am on a rather frugal trip and appreciate it and will return it in some or other way. To learn to accept it and not to feel like I have immediately to return it was a big step for me.
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Old 09-21-2018, 02:20 PM   #2500
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Re: Cause and effect

Excellent post Lapka.

I have issues with accepting help as well as asking for it. I will not ask unless I've exhausted every other possibility. And then I will ask only a select group of people that I feel are dear to me, and it's still very very difficult for me to do.

On the other hand, I'll help just about anyone, if you ask, regardless of whether or not I want to. I feel if someone has verbalized a favor or request, they really need it and I will do everything in my power to help. Of course, that means I get asked for a lot of favors.

Cakes, come to mind. I have some good friends who ask me to make special cakes for anniversaries, retirements or birthdays. Of course getting a special custom-made cake for free is better than paying for a ****ty bakery cake, so these same friends ask over and over and over and over.
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