Tie, kas ir saskārušies ar kredīta ņemšanu nekustamā īpašuma iegādei, droši vien zin – ka izvērtēt un salīdzināt banku piedāvājumus nav viegli. Lai nedaudz vienkāršotu šo procesu pārējiem, aprakstīšu – kā man gāja un kam jāpievērš uzmanība. Šajā gadījumā runa ir par kredītu ap 50k EUR vērtam īpašumam, tātad – ja pirmā iemaksa būtu 20% jeb 10k, tad kredīta summa sanāktu 40k EUR.
||3 mēn. EURIBOR + MFL
DNB bija viszemākā fiksētā % likme un to piedāvāja samazināt vēl par 0.2%, ja noformētu kredīta maksājuma apdrošināšanu.
Continue reading Kur ņemt hipotekāro kredītu? 1. daļa – DNB banka
When I opened my DNB Trade account in 2015, my first trades were a bit crazy, among them:
- $YHOO – lost only 4%, but should not have touched it at all
- $NBG – National Bank of Greece, lost only 25% (now delisted)
- $CHAD, $CHAU – ETFs with 2x leverage that follow CSI 300 Index
- $SUNE, $ZINC, $VRS – lost nearly 100%, delisted or went bankrupt
I tested my risk tolerance by starting with the most risky stuff I could find and when I got burned, moved to more safe things like sector ETFs with no leverage.
My most expensive lesson was from buying $UWTI – where I managed to lose about 80%, which amounted to more than $3700:
Continue reading How I lost $3700 and made $1500 with 3x leveraged ETFs
My experience with banks
I did my first stock trades in 2009 – used Swedbank and bought stocks in Baltic stock market. Later I also made couple of trades in US market, but was not happy about it. Paying $25-27 per each trade seemed too high. If I invest $1000 in one company and pay $50 in commissions to Swedbank, then I need to get at least 5% return just to cover trading fees. Not cool. Spent 250 EUR in fees.
Continue reading How to avoid high fees when investing in stocks?
After I spent about 1 month opening a trading account in Norvik bank, on October 25th I finally bought my first options. I chose Herbalife PUT options with the longest term and with the lowest strike price that were available: $35 strike price, expire date: 2019-01-18
Continue reading First option trade: Herbalife
If you read my last post „How to buy options in Latvia?” then you know I planned to open a trading account in Norvik bank. In this post I will describe the process in more detail.
It is not easy to trade options in Latvia, so I will describe the process how to get started and what to expect in terms of costs.
Continue reading How to buy options in Latvia?
Since Feb 2016 it is possible to legally walk around Skrunda-1 ghost town in exchange for 4 EUR entrance fee. It is a 2h drive from Riga, so I recommend to start early.
We climbed roofs and explored the abandoned buildings for 3h, but managed to see maybe 50%, so you can easily spend the whole day there. Take good shoes and be careful – I ripped my jacket on a nail, and there are broken glasses everywhere. Some photos below:
Continue reading Latvia’s ghost town Skrunda-1