u/spac0r

Hi everyone,

I currently use Libby with the BnL / ebooks.lu collection, but as far as I understand, Kindle integration for library books only really works in the US, not here in Europe.

Does anyone here use a Kobo with Libby/OverDrive and the Luxembourg library system? Can you directly borrow and read books on the Kobo, or is the experience still a bit clunky?

Trying to decide whether it’s worth buying a Kobo just for library ebooks, or if I should simply continue reading on my iPad.

Thanks 🙂

Hallo,

hat hier schon jemand den "neuen" Support von Trade Republic testen müssen und bekommt man dabei jetzt wirklich menschlichen Support?

Wie sind eure Erfahrungen bisher?

Danke!

Hi all,

Question for the tax people here:

I often see people transferring property (for example real estate) to their children during their lifetime instead of simply letting it pass via inheritance later.

Is there actually a tax advantage to doing this in Luxembourg?

From what I understand, gifts are subject to registration duties, while inheritance in direct line can be very lightly taxed, sometimes even 0% on the legal share. So at first glance it doesn’t seem obvious why someone would choose to pay taxes now rather than later.

Is the reasoning more about estate planning and avoiding disputes, locking in today’s value, or structuring things with usufruct and bare ownership? Or are there real tax optimisations behind this that I’m missing?

**1. PERSONALIA**

* Age: **mid 30's**

* Education: **Master**

* Work experience : **12 years**

* Civil status: **married**

* Dependent people/children: **2**

**2. EMPLOYER PROFILE**

* Sector/Industry: **Luxembourg Public Sector**

* Amount of employees: **don't want to disclose to not be doxed**

* Multinational? **No**

**3. CONTRACT & CONDITIONS**

* Current job title: **Legal**

* Job description: **Legal counsel in the public sector**

* Seniority: **10 years**

* Official hours/week : **40**

* Average real hours/week incl. overtime: **45, but take time off during less busy times to get back to the 40 average**

* Shiftwork or 9 to 5 (flexible?): **yes, 6h30 to 19h30 flexible**

* On-call duty: **no**

* Vacation days/year: **32 + public holidays + overtime compensation**

**4. SALARY**

* Gross salary/month: **13500**

* Net salary/month: **8200**

* Car/bike/... or mobility budget: **no**

* 13th month (full? partial?): **full**

* Meal vouchers: **+- 210 euros net per month**

* Ecocheques: **no**

* Group insurance: **no**

* Other insurances: **no**

* Other benefits (bonuses, stocks options, ... ): **child allowance, interest subsidy for mortgages**

**5. MOBILITY**

* City/region of work: **Luxembourg**

* Distance home-work: **12km/20-30min**

* How do you commute? **car**

* How is the travel home-work compensated: **no travel**

* Telework days/week: **1 day per week**

**6. OTHER**

* How easily can you plan a day off: **very easy during school holidays**

* Is your job stressful? **there are some busy phases**

* Responsible for personnel (reports): **+-10**

Wanted to share this since it’s not always obvious: Belgians can also work in the Luxembourg public sector, which is also doable if you live close to the border. Many roles do require some Luxembourgish, German and French, but not all positions require Luxembourg nationality. For more specialized jobs, you can be hired as an employee rather than a civil servant. In fields where it’s hard to find qualified candidates, language requirements can also be more flexible. That said, if you’re serious about working here, picking up some Luxembourgish and German is definitely doable, you don’t need to master them, just be able to get by.

This salary also applies to other master level roles.

Steaming manually on my Bambino Plus and can’t get consistent microfoam. Sometimes it’s decent, but other times it just disappears into the coffee (even when I am pouring from a close distance of course) or comes out way too thick, more like cappuccino foam.

Is this just the machine, or am I messing something up? I usually aerate until the jug feels hand-warm, then vortex until it’s too hot to touch.