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About kapokanadensis

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  • Location Stuttgart
  • Nationality Canadian
  • Hometown Peterborough
  • Gender Male
  • Year of birth 1979
  • Interests Lots of stuff, nature, everything plants, woodworking, car and home repair, badminton, cycling, squash, darts, road trips, hiking, films, reading....

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  1. Children. Smartphone. What age?

      Glad you liked that!   I do actually, the oldest will be 12 in March, and most of her friends have smart phones.  She asked when she could have her own cell phone.  I told her I got my first cell phone when I was 23, so she'll get one when she's 23.  She hasn't asked again since, she is after all more than halfway there.   I find it funny that you find it funny, as though the idea of going without a smart phone is utterly inconceivable.  Just as a thought experiment, visualise life without one, it is indeed possible.  
  2. Children. Smartphone. What age?

    Because certain popular apps on smart phones are as addictive as gambling, a 'safe' age is 18, in the same way that gambling is 'safe' at that age. 
  3. How hot is it?

      Sorry, this sort of response needs to get called on.  Disagree with me, that's totally okay.  Make counter-points, bring em on.  But by making a personal insult you discredit yourself and your argument.  Next time, keep it civil.  
  4. How hot is it?

      This seems like typical 'penny-wise pound-foolish' thinking, common among managers, at least the ones I've come into contact with.  You could maybe try this:  Do the math, lay out the costs incurred by a loss in productivity (person-hours, energy costs...), then compare it to the costs of installing an AC system, and from that calculate an annual return on investment (ROI) that the company can then reasonably expect.  Put it in a nice spreadsheet or powerpoint, and explain it all in money terms, you might get a 'holy shit... that's how much this is costing us!' response.
  5. Why do you invest in property??

    I don't think anyone's mentioned REITs yet, which are a good way to get exposure to the real estate market without having to put too much work into it (being a landlord) or tying up too much of their capital in one major investment.  REIT stands for Real Estate Investment Trust, they are investment funds which own shares in property management companies, who themselves own properties.  REITs are required to pay out a majority of their profits to their shareholders as dividends, which often alone will beat ROI on a unit you personally own and rent out.  You can buy these funds on a number of different online platforms, tax implications are relatively easy.   I did the math just like the OP did, and like them couldn't make the numbers work.  REITs are a good alternative.   Also, 'Retirement' as professed by early retirement gurus like MrMoneyMustache means simply having enough passive income derived from your investment portfolio that you can support yourself with it indefinitely without having to work.  If you choose to work after that point, that's your deal, but getting to the point where you don't need to must be incredibly freeing.  I'm shooting for it myself by around age 55.
  6. Carpenter Needed

    No problem!  A cordless drill is really something that everyone should have, they come in handy over and over again.  If you're going to buy one, get one that will last a lifetime: Makita, Hitachi, Bosch (Blue), Dewalt, Festool.  Okay are Ryobi, Bosch (Green), Metabo.  Don't go for Einhell or any other no-name Baumarkt brand.  When you're buying tools you really get what you pay for.  
  7. Carpenter Needed

    Hi @FlipFlop123,   unfortunately, you likely won't be able to entice a carpenter to come around and do that fix for you - any tradesperson in BW who is any good is booked up months in advance and wouldn't be interested in that job anyways - too small.  If you do get someone to come by, expect an hourly rate of around 50 € plus materials (with mark-up) plus driving time fee plus MwSt.  It won't cost less than 200 €.   BUT; you can do this yourself!  Those cupboard doors are made of particle board, which crumbles away from screws very easily, so here is a solution that would work:  drill the holes completely through with a drill bit the same size as the holes.  Buy some bolts, nuts and washers from the local hardware store.  Assemble it in this order:  Bolt with washer pushed through from one side, feed the hinge onto the bolt, put another washer on it, then a locknut.  You'll need:  a drill and drill bit, wrenches, screwdrivers.  For each hinge you'll need two bolts that will fit through the holes, two locknuts and four washers.  Your cost if you do this yourself:  around 10 €.   German names for things: Drill - Bohrmaschine Drill bit - Bohrer Wrench - Schraubenschlüssel Screwdriver (star head) - Schraubenzieher(dreher) (Kreuzschlitz) Bolt - Sechskant Schrauben (in this case) Locknut - Sicherheits Mutter Washer - Scheibe Hinge - Scharnier Cupboard door - Schranktür   Good luck!  
  8. Hi folks,   Just curious if anyone invests in the stock market on their own over an internet platform based here in Germany.  If so, how satisfied have you been, not necessarily with the performance of your stocks, basically a crap shoot anyways, but on the platform itself.  Things like ease of use, fees and the like.   There are so many options available when you do a Google search, it's hard to know where to begin.   Thanks!