There are presidents in countless different communities, but there is only one President of the Republic; the one currently in office.
1 Like
Now would be a good opportunity for gold investors to combine an investment instrument with everyday use. Harvinainen 100-kiloinen tÀyskultainen wc-pönttö huutokaupataan Sotheby'silla | Uutisia lyhyesti | Yle
8 Likes
The President of the Republic has been on BBC too 
5 Likes
Dad played Fodeliađ„ž
Sausage soup, minced meat soup, chicken risotto, and ham casserole.
Iâm taking these for my son into the big world. He can put them in the freezer and take them as lunch to work or eat them at home. I should make some for my own freezer too. I didnât calculate the prices, but I guess those are quite affordable portions and, above all, tasty.
67 Likes
Is âSuppisâ two different people or how does this work? 
Excuse my curiosity 
32 Likes
Yes, I
26 Likes
Otherwise a good message, but you forgot âmerkitmerkitmerkitâ at the end 
13 Likes
Kalle was close to the upper character limit, i.e., 32,000 characters :D, only a paragraph or two more would have fit. 
For example, if I recall correctly, @Juha_Kinnunen and @Mauri have encountered this. 
15 Likes
However, cash is still a legal tender, and a large sum of money doesnât even necessarily have to be acquired through crime. Especially now that all digital money in bank accounts falls under the real-time, AI-driven continuous surveillance of the State & Tax Authority. If someone wants to legally collect cash, even from every account, itâs not criminal, even if here too thereâs a desire to once again override laws through interpretations. So, cash is practically forbidden.
4 Likes
It was also mentioned in small print that daily banking services, bank and credit cards, etc., will again be subject to a fee from the beginning of the year.
But certainly a justified change, as, for example, in 2024, the OP Financial Groupâs operating profit was only 2.5 billion, i.e., approx. âŹ1,000 per cooperative member.
19 Likes
Iâm repeating myself again⊠if Iâ
6 Likes
Previously, the fees for banking services didnât âbotherâ anyone because mortgage holders received âplentyâ of bonuses, and they couldnât be used for anything else (though they could be used for insurance, legal services, etc.). Now, they are taxable income that could be used more wisely. This will make bank comparisons tougher in the future, as the bonus is no longer such an overwhelming factor in the equation.
At least my need for OP Gold will be re-evaluated. The card is quite good and the services are convenient, but now itâs worth going through the alternatives.
2 Likes
I donât mind continuing, I see OPâs reforms in bonuses as neutral and forced actions. This taxation doesnât change anything; itâs only about roughly a hundred euros annually in my case, which capital gains tax eats up, and because OP decided to increase the accumulation, I still end up with slightly more than before.
OP has been my only bank since 2003, and concentrating keeps me a satisfied OP customer in the future, as banking services and cards are largely free, and I will probably never need to switch banks. More money goes into index funds every month than the mortgage is paid down, and since both accumulate bonuses, they will also grow annually in the future. The goal is completely free insurance premiums someday and to remain a satisfied bank customer who focuses on other more important things.
EDIT: Yes, I also have an S-Bank credit card, but only as a backup payment card, which I hopefully never have to use for actual payments. The only money transfers through S-Bank are when I transfer realized funds accumulated with S-bonuses to OP for further investment; so far, Iâve only needed to do this once last year when I reinvested over 700 euros back into stocks at OP. Itâs good to have that backup card, of course. 
4 Likes
After which, for example, the OP World Index has annual costs of 0.145% and also covers emerging markets. Thatâs not a bad deal, is it? Is there a cheaper index fund to cover the whole world?
5 Likes
This does not include emerging markets and is also ESG-screened. Similar ETFs can be found cheaper.
In any case, this reform is a clear weakening for me, and I will find out if I can terminate my personal banking services with OP.
3 Likes
Well, apparently not. I recalled having looked into it earlier and thought it would have been there. ETF funds certainly have lower fees, but then they usually come with additional trading fees. Even in Nordnet, there might be some fee per ETF fund when saving monthly? For index funds investing globally, I myself have used Storebrand Global, where the fees are 0.31% per year. Of course, I havenât looked into alternatives in a while.
In my opinion, those OP bonuses just got stronger again. For me too, the mortgage margin is practically 0.14% now that I can also withdraw the bonuses as cash. I donât even have any other insurance than traffic insurance, but now thereâs also an opportunity for competitive bidding since the bonuses can be used elsewhere.
1 Like
Similar story for me. Now I just need to find out what the monthly fee for the OP Platinum card is in 2026. Currently, itâs 0 euros until the end of 31.12.2025. Maybe a Black Friday offer could surprise?
2 Likes
This was known, though I donât recall if it was like this before. OP bonuses, however, have been growing for almost 9 consecutive years. My mortgage principal decreases by 234 euros per month, while 450 âŹ/month goes into index funds, so I suppose that should compensate for the situation in the future as well.
2 Likes
This is a new change. On the other hand, itâs quite understandable that when the costs are 0.39 percent, the bonus is not 0.4 percent after taxes.
1 Like