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Joined 1 year ago
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Cake day: June 12th, 2023

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  • In Germany, BMW and VW both offer subscriptions for functionality already built into the car. BMW is notorious for their heated seat subscription here and the Mk8 Golf I leased for a while had a bunch of minor stuff pay-walled like automatic high beams, changing color of the interior ambient lighting, etc.

    You can still outright buy those features but it’s totally insane to pay for something that’s already physically inside the car. And it’s not like these are budget brands that need to upsell a bunch of stuff to be profitable. A base Golf starts at €31k…




  • I think, at least for non-savvy people, that buying individual stocks is not a great idea anyway. If you’re investing to have long term capital gains something like the MSCI World ETF would probably be the better choice. If you invested in that specific index fund in 2016 you’d have doubled your money by now, even during this economic downturn. Sure, you can make more money in a shorter time day trading but that shit is damn near a full time job and more risky unless you heavily diversify your portfolio (which you should do anyway).

    Another poster mentioned stocks of the company he works for. My company for example distributes a good amount of their yearly profits to their employees. Meaning that once a year you can choose between a couple hundred bucks one-time payout or get a bunch of company stocks for a heavily discounted price, but they’re trade-locked for two years. At the beginning of 2020 I chose the stock option and the shares got bought right at the beginning of the covid dip. When 2022 rolled around I had essentially quintupled my initial investment in the discounted stocks. So that’s another great tip, provided you company offers similar plans.