Originally 🇵🇱. Europe summers, LatAm winters. Thoughts on countries, money, real estate & Plan B options. ↓ Free Global Optionality Playbook ↓
United Arab Emirates
Joined August 2026
- Tweets1.5K
- Following379
- Followers2.4K
- Likes2K
Right to smoke indoors as freedom?I
I love Serbia and the freedom it still has.
Smoking itself, though, is about as free as a 30-year mortgage on a small apartment or a €1,000-a-month job that barely covers the month. Same story across most of Europe.
You’re choosing it, but most of the real decisions have already been made for you.
I’ve seen otherwise sharp people plan their entire day around when and where they can smoke.
Missed flights because the stopover wasn’t long enough for a proper cigarette. Meetings delayed. Evenings cut short. The addiction sets the schedule.
A few years ago I sat at a wedding with a table of mid-level executives from Philip Morris. Some of the sharpest people I’ve ever met.
After a few drinks the conversation turned to smoking and “freedom.” One of them said that it used to be freedom when it was mostly just nicotine, and quitting wasn’t that hard.
Now the research side works on adding things that make it far more addictive, and the marketing side works on selling the idea that you’re still free.
That’s the part most of the loudest arguments skip.
These are extremely capable people, some of the best marketers and PR operators in the world, whose job every day is to make the product stickier and the framing more convincing.
The industry has spent decades on both while pushing the message that opposing it is some kind of control.
If you smoke and feel free while calling everyone who wants cleaner indoor air human cattle, it might be worth asking who actually designed that framing.
Most of those arguments were tested and paid for by the companies that sell the product.
Optionality Report retweeted
Manual de Fuga do Brasil
Se você quer sair do Brasil, mas não pode por enquanto ou está procurando mais informações, este vídeo pode te ajudar.
@strobel_gustavo e eu falamos sobre experiências vivendo fora, regimes fiscais, Uruguai, Paraguai, Chile, EUA, Espanha, Nova Zelândia...
Além de medidas que podem ser tomadas mesmo estando no Brasil, as furadas para evitar, adaptação com a família, escolas e mais.
Respondemos à algumas perguntas que também podem ser as suas dúvidas.
Está imperdível!
Envie para quem está na mesma situação. Este vídeo pode ser muito útil.
After 2 days in Serbia I think the ban on smoking in restaurants is legitimately one of humanity’s greatest achievements.
The most valuable employee in a remote business is often not the smartest one.
It’s the person who can see a problem, make a reasonable decision, and not wait 7 hours for you to wake up.
Refreshing.
Belgrade to Warsaw flight.
Whole plane was White.
Not one person facing Mecca at 30,000 feet.
Eastern Europe still holds.
Don’t buy the doom stories about it turning into the West.
A place becomes completely different once you have a neighbor with your key, someone collecting your mail, a contractor you trust, and friends nearby.
That’s when it stops being a destination and becomes one of your places.
USA midterms my ass.
Paraguay’s political chess game is the actual show right now.
Izba niższa już przegłosowała Trybunał Stanu dla prezydenta Paragwaju @SantiPenap, teraz sprawa poszła do Senatu.
Prezydent najprawdopodobniej już zbiegł z kraju.
RT @Tsartoshi: All that effort?
A conservative €300 a night with 70%
And you getting paid a lauzy 10% ROI🤣
This quoted post is unavailable.
Optionality Report retweeted
Get off X and scroll reels instead.
Seeing a waste management rollup billionaire landing a $15m sikorsky on top of a $300m feadship is better for your subconscious than seeing another anon celebrating his first $200k month.
More alpha in that than on X in 2026.
Optionality Report retweeted
🇵🇾 | Horacio Cartes was the principal sponsor of Santiago Peña's presidential candidacy. He didn't merely endorse him. He effectively handpicked him.
Now, the man who selected Peña and financed his political rise is backing his removal.
Is Cartes genuinely trying to defend institutional integrity, or is he simply withdrawing political protection from a president who has become a liability to his own interests?
I would be very cautious about interpreting this as an anti-corruption crusade.
Cartes has dominated Paraguayan politics for roughly 15 years. He is also one of the country's wealthiest businessmen and arguably its most influential political figure.
The man now positioning himself as a defender of public institutions and an opponent of financial looting has an extraordinary history of international corruption allegations, US sanctions and investigations involving alleged links to organised crime and money laundering.
There is a considerable irony in that.
#Paraguay
Horacio Cartes - former president, head of the ruling Colorado Party (ANR), and one of the most powerful men in Paraguay - has publicly backed the impeachment of President Santiago Peña.
In an official statement, he says the party will not stand by the looting of public, private, and pension funds, and supports the political trial to restore institutional order.
A major blow to Peña’s grip on power.
My favourite Cyprus influencer is back at it with conservative ROI calculations.
Apparently Cyprus has no Airbnb fees, no VAT, no rental income tax, and maintenance is free.
70% occupancy at €300 a night on a new-build 2-bed is also treated as conservative. That’s only ~40% higher than the average in Paphos.
But the view is nicer than the math.
This Romanian🇷🇴 family just bought the cheapest seafront villa in Cyprus🇨🇾.
30 seconds walk to the beach for just 570.000€.
Here's how we got it so cheap:
The listing price was actually higher, but we negotiated hard & the developer agreed.
We closed the deal for 570k€ at the beginning of the year.
The last villas in the same project now go for over 650.000€.
But the real trick is the location.
Technically, the villa is in the second sea row.
But the land in front belongs to Turkish Cypriots, so nobody can build there.
It has the same view as a 2.000.000€ villa, for less than a third of the price.
Luki, the father, owns a few properties in Dubai🇦🇪. This is his first investment in Cyprus.
He came with his wife & 2 kids, understood the potential & fell in love with the project.
For 570.000€ he gets:
> A 2BR villa with 100m² internal area + 12m² covered veranda
> An unobstructed sea view
> Kitchen & all appliances included
> A flexible payment plan until handover
His villa is still under construction. But the first units next door are almost ready to move in.
That gave him the vision & confidence to sign on his first visit.
As he said on the plot: "An investor makes money when he buys, not when he sells."
Once his villa is done, it becomes a holiday rental, managed by us.
300€ a night at a conservative 70% occupancy brings in close to 80.000€ in annual rental income.
But now it's getting interesting.
Management fees are where most investors in Cyprus get f*cked.
The market standard is 40% for management, cleaning & laundry. That leaves an 8% ROI.
We've seen fees of up to 60%. The ROI would drop to 5.4%.
Still nice compared to most European markets, but Cyprus can do better.
We charge 25% for the exact same services.
For Luki that means exactly 57.487€ net income a year on his 570.000€ investment. That's 10% ROI.
Not even Dubai can compete with that.
This is well put.
Most foreigners underestimated the political corruption and regulatory failure in Paraguay, while residency sellers downplayed it.
It always amazes me how shocked people are by this. Corruption like this is the baseline across most of Latin America.
I’m not a specialist. I’m lightly invested in Paraguay (not in the bank) and understood the risk, so I try to stay informed.
For now, one big bank collapsed. It’s serious. Related-party ‘lending’ and clear criminal activity were involved.
Most ordinary deposits are covered (up to ~$38k). The rest of the sector is well capitalized. Problems were internal and the resolution process has started, with first payments beginning soon.
Still, how cleanly deposits are recovered will decide local trust. If people don’t get their money, confidence collapses and the damage lasts years.
If the government handles this properly it’s a real test.
🇵🇾 | Most foreigners who moved to #Paraguay over the last 4 years, along with the residency sellers who spent years marketing it as the ultimate freedom paradise, seriously underestimated the level of political corruption and regulatory failure in the country.
It turns out that one of Paraguay's slickest digital banks was running an old-school Latin American banking carousel behind the scenes.
The playbook was straight out of the regional corruption manual: a bank executive moves from the private sector to head the state regulator, hundreds of millions in public deposits flow into the bank, and insider lending runs unchecked until the balance sheet collapses, leaving ordinary bank customers to foot the bill.
Ueno Bank reportedly served around 3 million local customers. This is not some minor corporate scandal.
The damage to confidence in Paraguay's banking system could last for years, affecting local businesses, holding back economic growth and damaging the country's international reputation.
For a country trying to attract foreign investment and build international credibility, this is a serious step backwards.
Optionality Report retweeted
Cyprus is becoming the Paraguay of Europe.
It’s a tax play, not a full time lifestyle play.
If you want the tax break: rent a cheap apartment, stay 60 days, get the certificate, come back next year.
If you’re selling it: stop pretending it’s the perfect place to live, the best real estate market on earth, and where all the top founders already are.
Just sell the tax optimization, take the real estate commissions, and run your events.
If it wasn’t for the shirtless photo I wouldn’t have even considered it lol
I live in Cyprus🇨🇾 for almost 8 years.
This guy visited 5 times.
Here's what he got wrong:
1) The weather:
> Winter days are ~17 degrees, not 7
> Limassol averages 32 degrees in August, not 40+
> I swim in the sea regardless of the season anyway
2) Getting around:
> Every city has a big mall, no need to drive to Larnaca
> Limassol to both airports is 50 minutes max, not 1.5 hours
> "Only 2 skyscrapers" in Limassol is wrong. Since I moved here, 15+ were built
3) The people:
> Cyprus net migration is 40.000+ every year
> English is spoken everywhere, so meeting people is very easy
> I regularly host entrepreneur meetups with 100 people (next one is November 11)
Sure, Cyprus is not a metropolis like Dubai. It's also not a party island like Ibiza.
But calling it boring because of that misses the whole point of Cyprus.
Peace & focus is Cyprus' USP.
Morning swim, deep work, gym & sunset by the sea.
No distractions.
This way I was able to turn 2.000€ into being financially free within just 8 years.
And on top I'm benefiting from one of the best tax regimes in the world:
> 15% corporate tax
> 0% on dividends as a Non-Dom
> No capital gains or wealth tax
But to be fair, he's right that the island is small & for bigger events you have to go elsewhere.
But with Cyprus' 60-day tax residency you can do exactly that. Having a permanent place you can call home with the freedom to travel the rest of the year.
Cyprus might still not be for everyone.
But as a 28 y/o entrepreneur that could live anywhere in the world, I'm thankful that I chose Cyprus.
It's the best place to be right now.
I mean where else do you want to go?
I'm genuinely asking.
Btw. I also don't have problems dating girls here.
Without using Tinder.😂
One of the most expensive mistakes is optimizing for a life you imagine instead of the life you actually enjoy.
Maybe you don’t need nightlife.
Maybe you do need direct flights.
Maybe you don’t care about fancy restaurants.
Maybe you care deeply about being outside every day.
Know your own life.
Not someone else’s Instagram version.
The goal isn’t zero tax.
Zero work.
Zero responsibility.
Or endless travel.
The goal is removing enough constraints that your life starts feeling chosen.
I’m increasingly convinced the best cities are not the ones with the most things to do.
They’re the ones where doing normal things is easy
Optionality Report retweeted
Atención si tenés plata en fondos mutuos con papeles de ueno: el BCP acaba de aclarar el panorama.
La suspensión de rescates es TEMPORAL y solo para los fondos listados en la resolución 0015. No es cierre ni liquidación de ningún fondo.
La regla de valuación ya está puesta (resolución 0016): bonos de ueno en los fondos valen CERO. Depósitos y CDA en ueno se reconocen hasta el tope de la garantía, el excedente a CERO.
Los rescates se reanudan de forma gradual, fondo por fondo, desde el jueves 5/11, cuando cada administradora recalcule la cuota y lo comunique.
Qué hacer: pedí tu extracto de cuotas recalculado. Si tu fondo tenía papeles de ueno, tu cuota puede bajar. No es que tu plata desapareció: es que ahora refleja la pérdida real.
Y ojo: fondos con custodia dentro de ueno siguen trabados.
Información al público sobre suspensión temporal de rescates en algunos fondos mutuos
Más información: acortar.link/gwQNpY
#SupervisióndeValores
