mtbiking

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About mtbiking

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  • Location Munich
  • Nationality Portugal
  • Gender Male
  • Year of birth 1979

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  1. Is it ever over, though? Without armed communists? 🤔 
  2. Tesla Gigafactories, News and Conversation

    I test drove a model 3 with a good friend last month: my friend wasn’t convinced: he also test drove a Mustang Mach-E and liked it more.  I liked it but it didn’t make me pull out my wallet right away.. my wife has approved us buying one soon though.
  3. he said bank sparplan, those designed to make the bank rich.
  4. I just threw a couple thousand extra into my Vanguard FTSE world ETF, which I’d been wanting to do since a couple weeks anyway so it may as well be now. Otherwise not doing anything unless the drop is much bigger and we get greedy.
  5. Sparda bank membership fee payout on account closure

      I'm also with Sparda-Bank (München) since 16 years. In your place I'd go to the filial or set up an online appointment.. my experience with them has always been good (that's why I've never changed). 
  6. Verwahrentgelt for existing bank users, is it a trick?

        There's a simple life hack to that: open a second account (or as many as needed). In addition, this encourages germans to invest in real assets instead of stupidly parking all their savings in a Sparkonto, which is overall a good thing.
  7.   Yes, I thought about Hauptbahnof. It has always been a bit seedy there (like in other Hauptbahnof in cities across the country), but it's not really a residential area.
  8. in Munich?   Sure, there’s drug trade and drug users here as anywhere else, but overall Munich is a very  safe, clean city. There are no bad residential areas to avoid at all costs here.    
  9. Euro 2020 and 2021

  10. Berlin Corona Vaccinations

  11. Berlin Corona Vaccinations

      I've already had both shots and barely felt anything, if that helps. 
  12. Why are you unhappy today?

    That’s a good strategy, I’ll keep it in mind for the next time. It saves us from some heartbreak.
  13. Why are you unhappy today?

    I'm unhappy because I have to phone or write several excellent, friendly and deserving families and people, who have been looking for a long time for a bigger place in Munich, and tell them that they can't have my rental as I can only pick one of them. I hate this. I'm into investing but I'm not a business man at all. To top it all, the family that were probably our favorite  had sent us a very cordial email to confirm their interest that landed in the garbish bin and just called us now, naturally after I had already called the family we picked to give them the news.   Unhappy.
  14. Do I need an architect?

      When we did something similar we didn't look for an architect ourselves: the company that we hired to do the work managed the architect themselves (with us as final authority, obviously). Maybe that's easier..