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UPDATE: Critique my portfolio/Investment Strategy (1,5 years later)
I wanted to make an update to this post from June 2019 as a way of journaling and as well as a way to let know the supportive folks who replied to my first post that I actually followed through with their advice, as well as some reflections from my end as this rollercoaster year gets to an end. Nordnet: 20% bonds (Nykredit Invest Lange Obligationer Akk) 80% ETF (Sparindex INDEX Globale Akt Min Risk KL) 200.000 DKK in, 0% return 1,5 years later. My account is just recovering from the March dip, which highlights the need to have a long term vision when investing. Having bonds helped kept my sanity as the portfolio value fell 30% during the setback during the lockdown. Saxo Aktiesparkonto. 100% ETF iShares Core MSCI World UCITS ETF 100.000 DKK in 7% return. I decided to take a gamble as the worse part of the panic faded out and I slowly started to max out the account from April to July. I missed on some additional gains if I had gone all in at once, but articles like this discouraged me until my workload (which skyrocketed during the lockdown) prevented me from keeping track of the market and just maxed out one day. June by Danske Bank. As I became more confident with managing my own portfolio in Nordnet and Saxo, I saw less of a need to have this account because of high costs and a need to consolidate my accounts. I closed In the early in the year with not much return. I believe I only invested 20.000 DKK here, so if anything I am thankful that it helped me getting over my fear of investing, and definitely has the most user friendly mobile platform by far. Mintos (crowdlending) 10.000EUR in, 12% return. This is another platform that helped me remain sane during the march setback, as investments only moved in one direction (positive). I have pulled out 90% of my original investment, as an interesting development happened during the summer. Lending companies (not individuals loaning) started to default, highlighting a significant weakness of the crowdlending model: if the financial companies originating the loans default, Mintos will not cover for them. Instead they will pursue legal action and move all of those loans to an “in recovery” basket, with no timeline for recovery. I was lucky that I was not majorly impacted by this unlike many others (only 3% of my portfolio is in recovery), so if I manage to pull everything out I might come out 8% ahead. However no certainty about that eirther. I am also slightly ticked off with their model. I set all my loans to last max 3 months and I stopped auto investing in April, and I still have some “invested” loans. They seem like an open company that invests on the platform (which swindlers don’t do) however I sense that there is some turmoil behind the scenes, so hopefully I can get out unscathed by year end. Going forward: A few questions and considerations for the wiser people in this forum 1.Flat upgrade. I would like at some point in ca. 5 years to do an upgrade to my flat to have an extra bedroom I can use to receive friends and family coming into Denmark to visit me. However I am slightly torn on how to manage my savings going forward. One thing I am learning is that I should not invest money I might need in the next 5 years, as there is a chance I might come out losing. I will end the year with a couple hundred thousand in cash, but I am unsure going forward what to do with my money saved. Hoard in my bank account so I do not need to touch my investments vs go all in with investments and risk it? 2.Real estate investment. I considered, alternatively not selling my current flat and purchasing a new one that is newer than 1992 so I can get into the real estate game. Any experienced landlords in the forum want to share their experiences in Copenhagen? 3.Investing Targets. In addition, I can see by my returns that I am quite a modest investor. I would need to at least reach +1 million DKK invested before I can see any interesting returns (and that is before taxes). Is investing just a fool’s game in Denmark?
64% of those living in Jordan and Kuwait are inbred.
63% of Sudanese are inbred. 60% of Iraqis are inbred.
54% of Muslims in the United Arab Emirates and Qatar are inbred.
25-30% of those in Turkey are inbred.
In England, at least 55% of Pakistani immigrants are married to their first cousins.
In Denmark the number of inbred Pakistani immigrants is around 40%.
Cousin marriage in the Middle East Muhammad practiced incest, sanctioned incest 1400 years of inbreeding: "The massive inbreeding in Muslim culture may well have done virtually irreversible damage to the Muslim gene pool, including extensive damage to its intelligence, sanity, and health." - Nikolai Sennels, Danish psychologist According to Sennels, close to half of all Muslims in the world are inbred. Health:
While Pakistanis are responsible for three percent of the births in the UK, they account for 33% of children with genetic birth defects.
The risks of what are called autosomal recessive disorders such as cystic fibrosis, spinal muscular atrophy is 18x higher
The risk of death due to malformations is 10x higher
100% increase in the risk of stillbirths
50% increase in the possibility that a child will die during labor
Intelligence:
Children of consanguineous marriages lose 10-16 IQ points
The risk of having an IQ lower than 70
Retard classification increases 400% among children of cousin marriages
In Denmark, non-Western immigrants are more than 300% more likely to fail the intelligence test required for entrance into the Danish army.
One-third of the budget for Danish schools is consumed by special education, and anywhere from 51% to 70% of retarded children with physical handicaps in Copenhagen have an immigrant background.
Studies indicated that 64% of schoolchildren with Arabic parents are still illiterate after 10 years in the Danish school system.
Literary/Scientific Intelligence:
The Arab world translates just 330 books every year, about 20% of what Greece alone does
In the last 1,200 years of Islam, just 100,000 books have been translated into Arabic, about what Spain does in a single year
Seven out of 10 Turks have never even read a book.
Only 4 Mulsims have won the Nobel Prize for anything other than "peace"
Muslim countries produce just 10 percent of the world average when it comes to scientific research measured by articles per million inhabitants.
''Saudi Arabia is a living genetics laboratory,'' said the executive director of the Prince Salman Center for Disability Research, Dr. Stephen R. Schroeder, an American geneticist who has been doing research in Saudi Arabia for the last year. ''Here you can look at 10 families to study genetic disorders, where you would need 10,000 families to study disorders in the United States.''
A rough estimate shows that close to half of all Muslims in the world are inbred
In Pakistan, 70% of all marriages are between first cousins
In Turkey, 25-30% of all marriages are between first cousins
34 percent of all marriages in Algiers are consanguine (blood related), 46 percent in Bahrain, 33 percent in Egypt, 80 percent in Nubia (southern area in Egypt), 60 percent in Iraq, 64 percent in Jordan, 64 percent in Kuwait, 42 percent in Lebanon, 48 percent in Libya, 47 percent in Mauritania, 54 percent in Qatar, 67 percent in Saudi Arabia, 63 percent in Sudan, 40 percent in Syria, 39 percent in Tunisia, 54 percent in the United Arabic Emirates and 45 percent in Yemen (Reproductive Health Journal, 2009)
A large part of inbred Muslims are born from parents who are themselves inbred
Among Pakistanis living in Denmark, 40 percent are inbreeding & 15 percent among Turkish immigrants More than half of Pakistani immigrants living in Britain are intermarried:
The black population: At 41.6%*, blacks were more likely to participate in government assistance programs in an average month.
Hispanics at 36.4%*
Asians or Pacific Islanders at 17.8%*
non-Hispanic whites at 13.2%*
Dynamics of Economic Well-Being: Participation in Government Programs, 2009–2012: Who Gets Assistance? Average Monthly Participation Rates for Major Means-Tested Programs by Race and Hispanic Origin: 2009–2012 (Participated 1 or More Months) Page 8 In a 3 year period from 2009-20012, the black population has seen a 2% increase in welfare participation to 48.6%. Almost half their population is on long-term welfare assistance. 45.7% of hispanics are on long-term assistance. While only 13% of whites are on long-term assistance. Accumulated Months of Participation in Major Means-Tested Programs by Race and Hispanic Origin: January 2009–December 2012
56.3%* of black people participate between 37 and 48 months.
47.2% Asian or Pacific Islander
43.6 hispanic
36.9 white
While white people make up the bulk of short-term (1-12 month) claims. Average Monthly Participation Rates for Major Means-Tested Programs by Family Type: 2009–2012 Page 9 Single mother homes make up 50% of claims up 4% from 2009. For long-term applicants of single-mother homes, the number goes up to 58%. https://www.census.gov/library/publications/2015/demo/p70-141.html US: Immigrants on welfare cost taxpayers 30-86% more than locals
The average household headed by an immigrant (legal or illegal) costs taxpayers $6,234 in federal welfare benefits, which is 41 percent higher than the $4,431 received by the average native household.
The average immigrant household consumes 33 percent more cash welfare, 57 percent more food assistance, and 44 percent more Medicaid dollars than the average native household. Housing costs are about the same for both groups.
At $8,251, households headed by immigrants from Central America and Mexico have the highest welfare costs of any sending region — 86 percent higher than the costs of native households.
Illegal immigrant households cost an average of $5,692 (driven largely by the presence of U.S.-born children), while legal immigrant households cost $6,378.
The greater consumption of welfare dollars by immigrants can be explained in large part by their lower level of education and larger number of children compared to natives. Over 24 percent of immigrant households are headed by a high school dropout, compared to just 8 percent of native households. In addition, 13 percent of immigrant households have three or more children, vs. just 6 percent of native households.
(all times Eastern USA) Keeping Up Appearances - 1993 Christmas Special: Sea Fever Tomorrow, 12:00 AM / WEDU-DT 3 / PBS Hyacinth is brimming with excitement at the thought of vacationing aboard the QEII and after some mishaps boarding the ship that require a flight to Copenhagen she is thrilled to be onboard until she discovers Daisy and Onslow may be stowaways. Living Single - Let it Snow, Let it Snow, Let it Snow ... Dammit Tomorrow, 12:00 AM / MTV2-E 126 Overton invites the crew to spend Christmas at his family cabin in Canada, but the secluded area has now become a tourist attraction with a theme park and is nowhere close to the memories that he used to have as a child with his family. Wonderland Tomorrow, 6:50 AM / MMX-E 222 After getting stranded in Las Vegas during Christmas, a lonesome 12-year-old girl struggles with keeping her mother's gambling addiction under control, all while waiting for her father and the promise of a perfect family holiday when he arrives. Keeping Up with the Kardashians - The Nightmare Before Christmas Tomorrow, 7:00 AM / ETV-E 70 Kourtney considers spending the holidays away from her family to recover from an intense few weeks of fighting with her sisters; Khloé hides from the public eye until her pregnancy announcement to avoid criticism; Kris fears she's being poisoned. Wonderland Tomorrow, 9:50 AM / MMX-W 230 After getting stranded in Las Vegas during Christmas, a lonesome 12-year-old girl struggles with keeping her mother's gambling addiction under control, all while waiting for her father and the promise of a perfect family holiday when he arrives. Kick Buttowski: Suburban Daredevil - A Cousin Kyle Christmas; Snow Problem Tomorrow, 10:00 AM / DISNEYXD 122 Kick battles an ice storm and strange obstructions while he looks for a last-minute Christmas gift for his cousin; Kick goes to the extreme in order to save his family when they become stuck in a cabin after an avalanche. Parks and Recreation - Christmas Scandal Tomorrow, 10:30 AM / FXX 82 Leslie designs the Pawnee Winter Wonderland Festival, but she lands in the middle of a sex scandal after a meeting with a disgraced Councilman and must hide from the press; Ron learns how much Leslie really does after taking over for a day. Daniel Boone - The Christmas Story Tomorrow, 11:00 AM / INSP 86 In the middle of a raging blizzard a Native American brave and his very pregnant wife arrive at the fort seeking shelter, and some of the settlers are unwilling to allow them in until Daniel reminds them about the story of the first Christmas. The Nanny - The Kibbutz Tomorrow, 12:35 PM / LOGO 147 Maxwell attempts to keep Maggie away from boys for the Christmas holiday by sending her away to a Jewish collective community on Fran's advice, but Maxwell is forced to track his daughter down after learning some revealing information. Office Christmas Party Tomorrow, 1:00 PM / SHONXT 246 In order to impress a potential client and save their jobs after the CEO of the company they work for tries to close their branch, a man, his chief technical officer and their coworkers must come together to host the best office Christmas party. Boston Legal - The Nutcrackers Tomorrow, 3:00 PM / OVATN 164 Alan takes the case of a mother who wants to regain custody of her pre-teen white supremacist singing sensation daughters, a woman wants to sue God for her husband's misfortune, and Denny helps a woman with a rebellious, anorexic daughter. Office Christmas Party Tomorrow, 4:00 PM / SHNXTW 254 In order to impress a potential client and save their jobs after the CEO of the company they work for tries to close their branch, a man, his chief technical officer and their coworkers must come together to host the best office Christmas party. The Office - A Benihana Christmas, Part 1 Tomorrow, 5:15 PM / CMDY-E 61 Andy takes advantage of Michael's heartbreak during the holidays to get the guys out for a raucous lunch, leading them to bring two waitresses back to an office that has become divided between holiday parties being thrown by Angela, Pam and Karen. The Office - A Benihana Christmas, Part 2 Tomorrow, 5:50 PM / CMDY-E 61 Andy takes Michael out for a raucous lunch after he is dumped by his girlfriend, and a pair of waitresses is taken back with them; tensions form on the party planning committee after Angela's attitude causes Pam and Karen to form their own party. The Golden Girls - Have Yourself a Very Little Christmas Tomorrow, 6:00 PM / LOGO 147 Dorothy, Blanche, Rose and Sophia will graciously share the true spirit of the Christmas holiday season after discovering that the heart-broken Stan has unexpectedly lost all of his resources in a poor business investment. National Lampoon's Christmas Vacation Tomorrow, 6:00 PM / OVATN 164 Members of an eccentric family attempt to create the perfect holiday by inviting all their relatives over for a long visit, but the plan turns into a complete disaster after a series of mishaps occur that involve a cat and Christmas lights. Last Man Standing - Gift of the Wise Man Tomorrow, 6:30 PM / CMTV 45 Mike informs his family that he doesn't want Christmas gifts this year and asks that they do a "good deed" instead in order to remind them about the true meaning of Christmas; Chuck is nominated to play Santa at the Outdoor Man. One on One - It's Beginning to Look a Lot Like...Venice Tomorrow, 8:30 PM / WVEA-DT2 626 / BOUNCE When a snowstorm halts their Christmas travel plans, Breanna and Arnaz try to get their Scrooge-ish roommates into the holiday spirit. In Living Color - The Dysfunctional Home Christmas Show Tomorrow, 9:30 PM / FUSION 165 Sketches include: Vera Demilo; Why; Mr. and Mrs. Brooks; Cousin Elsee; The Bodyguard; The Dysfunctional Home Christmas Show.
Danish casinos, cruise ships, horsetracks and dogtracks - the complete gambling landscape of Denmark. Includes Denmark casino details, gambling news and tweets in Denmark, area maps, Danish entertainment, coupons offers... BEST Casinos and gambling Law Firms near me in Copenhagen, Denmark (DK) that will help you to understand, protect and enforce your legal rights. There are 6 cities with gambling facilities in Denmark which have 7 legal gambling facilities available in total. The types of gambling available in Denmark are: casinos. The largest gambling city in Denmark is Copenhagen with 2 gambling facilities, 24 tables games, 140 gaming, slot, and video poker machines. Copenhagen Gambling, slotsofvegas payout times, planetwin365 roulette, slot ironman wales-18+, T&C Apply,, New Customers Only. €300-FolkeAutomaten. 750. Free Spins. Full review go to casino. MoboCasino. permanent Wager: x35 Min deposit: £20. July 22, 2019. Visit Casino T&C's Apply. 0. Bonus. Visit casino 100 ... Gambling is legal within the city: is this important to you? Yes No. Report an error Nordic Gambling is the only legal firm in the Nordic countries which specialises in gambling related law such as licensing, compliance advice and public affairs. We have gained extensive experience in the industry from working with operators, suppliers, service providers and Government regulators. Copenhagen casinos, gambling information and Copenhagen gambling news and tweets. Let us keep you informed! The Danish Gambling Authority’s history. The Danish Gambling Authority was formed in 2000 within the Danish Ministry of Taxation. The first ten years of our existence, our primary task was to control the gaming machines that were placed in the gambling arcades, restaurants, and kiosks, etc. Copenhagen, Denmark: Casinos and other gaming details regarding the latest casino news, Texas hold'em tourneys, slot machine info, pari-mutuel (horse tracks, greyhounds), to name a few topics. Contact information and images of most casinos in Copenhagen. Nordic Gambling 225 følgere på LinkedIn. Keeping up with the Nordic gambling markets Nordic Gambling is the only legal firm in the Nordic countries which specialises in gambling related law such as licensing, compliance advice and public affairs. The partners of Nordic Gambling are recognised among the leading legal experts in the gambling industry and are qualified to assist you with ...