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About UpToWick

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  • Location Munich
  • Nationality European
  • Gender Male
  • Year of birth 1983
  1. Check WorldNomads or TrueTraveller...they can probably get you an insurance even if your trip already started 
  2. Thriving with 1 in 200.000 disease in Berlin

      Shouldn't Public insurance cover any precondition you have? Did you ask different public insurances?
  3.   You don't know him, you don't know the company, you don't know the boss.   He actually had very good reasons to not like the place.   And his attitude maybe is better than somebody who today says "Everything is fine, I like it here", and tomorrow hands over their resignation with an explanation "I don't like it here".
  4.   Because I will soon start looking for a new job too (the guy who left had good reasons), and I'm wondering what's worse   A. Not saying anything until I hand over my resignation, and then be accused of not having been honest and transparent (e.g. "You could have told us you didn't like this and that in your job, we could have tried to fix it, instead of just walk away") B. Saying "I'm looking for a new job", and then being already labelled "a traitor"/"a troublemaker"   I would normally choose option A.
  5. A colleague of mine recently left the company. Apparently, from what we have been told   - When our new boss joined a few months ago, the first thing he told the new boss was "I hate this company, and I want to leave" - A few months later, he notified the boss that he was starting to send out resumes, because he didn't see any improvements in the company, so he was fed up   I think this is very brave, but also very honest and transparent. My boss didn't seem angry that he left.   Do you think it's a good idea what he did?
  6. Bitcoin - a decentralised digital currency

      Nobody believed in Apple in the 80s, apart from a few die-hard fans. Especially when it was taken over by old-fashioned MBA-type managers in a suit. It even went close to bankruptcy at one point in the early 90s. It risked ending up like Amiga.   Now it's the company with the largest market capitalization. But to get there it had to go through many years of pain and doubts.
  7. Bitcoin - a decentralised digital currency

    It has already started to recover...   Investing in crypto today is like investing in Apple in the early 80s...
  8. I was working until the end of last year in Germany, and for 4 years and 11 months I paid into 2 BAV plans, matched by my previous employer - A main one, which I started in 2015, managed by Ergo. Let's call it "Plan A" - A smaller one, managed by Alte Leipziger, started automatically by my employer after the new law in 2019, that forced employers to contribute an additional 15%. Let's call it "Plan B"   The lump-sum that I might get in 30 years out of these 2 plans is negligible, and I'd rather get this money out now, and invest it independently.   After quitting my job in Germany, I moved to Switzerland afterwards; I asked both companies what's going to happen to my 2 pension plans, and in particular if there is any way to get the money paid out... The answers I received by the customer service, and the content of the contracts, were not very clear...but up until now I thought that the simple answer was "NO", and I'd just have to wait until I'm 67 to get a tiny lump sum out of them. In fact, those 2 plans have been automatically converted in "Beitragsfrei" plans...   Recently, out of the blue I received a refund of the contributions paid for by my ex-employer, MINUS 30%, because - I paid into Plan A less than 5 years - I still have 30 years left to pension age, so I lose 30% of the employer's contribution... This made me wonder if I could actually get everything out, so I contacted Alte Leipziger again, and I was told...   "bitte klären Sie vorab mit der ERGO Pensionskasse, ob eine Abfindung Ihres Vertrages nach § 3 BetrAVG, zum 01.11.2020 möglich ist. Sofern die Antwort ja lautet, lassen Sie sich bitte die beitragsfreie monatliche Rente zum 01.11.2020 mitteilen.   Wenn Sie beides geklärt haben, melden Sie sich gerne bei mir, damit ich die Kündigung Ihres Vertrages in unserem Haus überprüfen kann."   Can somebody please explain me if there's a chance to get this money? I tried to Google § 3 BetrAVG, but the explanations that I found weren't very clear. Another alternative I'd be willing to explore, is to "transfer" these 2 plans into my Swiss 2nd pillar (the equivalent of the BAV), so that at least I don't have to keep track of 3 different pensions.   Thanks a lot
  9.   I disagree with this common idea "you regret things you had not done". Some things are better NOT to be done. I don't need to put my hand on a fire to know that it hurts...   I did a similar move years ago, from a vibrant international city in an English-speaking country, to a middle-sized city in the middle of Germany (not far from Stuttgart), for career reasons. I ended up being stuck there for 3 years, and I still regret, almost 10 years later, to have wasted 3 years of my young life there.   I also don't believe in the "you can always go back to Berlin" idea...after you made all the effort to move, you won't move back soon, even if you don't like the job. And human beings tend to stick to suboptimal situations (e.g. toxic relationships), hoping that they improve, rather than make a move. Plus it's bad for the resume to have a short stint. You'll be stuck there for years...
  10. Since Friday evening my Mnet connections is not working anymore...there is DSL signal, but it can't establish an IPV4 connection.   The Mnet customer service told me I have to wait until Monday when somebody looks at it...I suppose the concept of "on-call" hasn't yet arrived here.   It's just one of the many example of the crap state of the internet infrastructure, in this country of lawyers and mechanical engineers..   Mobile internet is also worse than many developing countries I've been...
  11. DHL lost a 100+ EUR air purifier that I sold through eBay...the package is not even traceable anymore on their website since a few days. Before it would show that it was stuck in Augsburg, now the system can't even find a package with that number... I've made 2 Nachforschungsauftrag (in German...because a global company like DHL is too incompetent to provide an English-speaking customer service), but nobody has ever contacted me.   This is just the last of many failures I've witnessed by this incompetent company over the years. Obviously I won't use them EVER again, but is there anything from a legal point of view that can be done against them?