u/aritral895

I am planning to rent a car from Tromso airport, and return it back at the same place. But I am planning to drive into Finland and/or Sweden in our trip. Is there a surcharge/fee for this? Enterprise and Sixt charge around 250 nok/day, but I could not find anything for Hertz.

https://preview.redd.it/2jls1c0p3pkh1.png?width=2560&format=png&auto=webp&s=bdc472822bb864d88f00f3284d5464b90726c475

https://preview.redd.it/ckfhm7v0njkh1.png?width=2560&format=png&auto=webp&s=5a95df654e2ef8611359b4074d4505fd51ce1f9e

https://preview.redd.it/wy6a3gs0njkh1.png?width=2560&format=png&auto=webp&s=dc9aabbe5ad4a6b8cce62aa22136011ffd68ced5

I am comparing Hertz and Enterprise for renting the same car from Tromso airport Norway.

8.10.2026 22:30 --- 12.10.2026 05:30

but the total costs come out to be very different. It seems:

1. The Hertz supercover is cheaper because it has a 2000NOK deductable, while the Enterprise zero excess has zero deductable.

2. Hertz seems to have no international driving charges (I plan to drive into Finland and Sweden, but return again at the origin Tromso airport), while Enterprise charges 1000.

3. The car itself might be cheaper with Hertz.

I am wondering if this big difference in price is too good to be true. Does anyone have any experience with Hertz at Tromso airport? Note that I arrive late at 22:30 and leave early at 05:30. It is good if someone is present at 22:30 during pickup to sort out any issues.

Does anyone know of any free outdoor calisthenics park? I am mostly looking for some place to do pullups in and around Erlangen Bruck, so something like a playing ground with bars should also suffice.

I'm trying to decide between continuing with my existing Deka ETF portfolio via Sparkasse or opening a private pension contract with Pensionfriend, and I'd appreciate some opinions from people who have looked at both/similar options.

My situation:

• Single, 30, employed in Germany
• Investment horizon: ~37 years
• Current ETF portfolio: ~€34,000
• Monthly investment: €1,700
• Currently investing through Sparkasse/Deka
• No plans to retire early

Current portfolio consists mainly of:

• Deka MSCI World ETF
• Deka S&P 500 ETF
• Deka EURO STOXX 50 ESG ETF
• Deka Euro Prime ESG ETF

I have already stopped new contributions to higher-cost active funds (GlobalChampions and Swisscanto) and am gradually simplifying toward ETFs.

What I'm trying to understand:

1. Is a Pensionfriend private pension (not Rürup) worth the additional annual fee (~0.69%+ETF TER, nothing else as far as I could tell) compared to holding ETFs directly?
2. How valuable is the tax benefit (12-year / age-62 rule, only half the gain taxable) in practice? This rule says that only 50% of the gains is taxable at the minimum of the capitals gains tax rate or the personal income tax rate. In contrast, for the ETFs, 70% of the gains is taxable at the capitals gains tax rate no matter what.
3. Does tax-free rebalancing inside the pension wrapper make a meaningful difference over a 30-40 year horizon, or is cash-flow rebalancing with new contributions sufficient?
4. For someone who mainly wants US and European equity exposure + the developed world, would you stay with a direct ETF depot or use a pension wrapper?
5. Has anyone here done a detailed calculation comparing: direct ETF investing (including Vorabpauschale and capital gains tax), and Pensionfriend after all fees and taxes?

I'm particularly interested in experiences from people who actually switched from a normal ETF depot to Pensionfriend or equivalent (or decided against it after doing the math).