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Rod
@rrmdp
JobBoardSearch.com 🔎
Jomres-Plugins
VillasMediterranean
TouristItinerary
ReviewReplyAI
Replicate? replicate.com/pricing
Ouaww, almost twice the price of Vultr for the same.
It's not the same though. What you're paying for with Replicate is ease of use - they provide an API where you can just select any model you want and execute, which is useful for applications that need to make a API call to get a response from a LLM for example. Vultr doesn't have any of that AFAIK, and it will take you extra time to build it hence the lower price.
Replicate is great for hosting models, but they don't offer anything for development with SSH access, etc.
I built my own using Telegram API for logs notifications.
To monitor the cronjobs for the bots I use Healthchecks.io
Uptimerobot to check if the server goes down
Thanks a lot, Jaime.
I'm based in Spain too and is crazy the amount of taxes I paid over the years plus the "autonomo" fee that is 380 Euros right now, crazy!
My wife does all the bookkeeping for me, she has the time to put into it if needed but as said I don't know if it's worth it.
I came across this andigarcia.com/que-es-llc/ (Sorry for non Spanish speakers), looks like you could be saving a lot of money legally but you know it's hard to trust this stuff as they are trying to sell you the service, and is much better to hear it from a guy like you.
I will keep researching and please if you have anything else to share would be of a lot of help :)
It's crazy depending on who do you compare it to. Taxes in Spain and Europe are certainly higher than in the US, but these are different systems. I can only tell about Spain:
The autonomous (Social Security) montly tax provides you free healthcare system and a (modest) retirement pension. The higher you pay, the higher your pension. It also covers a disability pension. I pay a fixed 385 €/month which doesn't vary with my income.
VAT is generally 21%, in the European average.
Corporate tax is generally 25%, less than the European standard. And 23% for small business.
Income tax is proportional and usually misunderstood. You pay 19% for your first 12 k€. Then it increases to 24% for every euro above 12 k€ but under 20 k€. Then it's 30% between 20 and 35 k€, and so on. Every euro you earn above 300 k€ is currently taxed at 47%.
In Spain the average salary is ~25 k€/year. As I see it, an average young couple can live confortably in most parts of the country with their combined 50 k€/year per household, including a decent flat via a mortgage or rental. (However, many young people struggle to make 25 k€).
So say you make 100 k€/year from your business — that would be a pretty good gross income in Spain, catapulting you to the top 1% best-paid of the population.
Say yo decide to leave 25 k€ in your company for reinvestment, and take 75 k€ home for your expenses.
In taxes:
You would pay 4,6 k€ to the Social Security, and have free health insurance and a modest pension when you retire or in case of disability.
In corporate tax you would pay 5,65 k€ more (23% of the 25 k€ you decided to reinvest).
In personal income you would be taxed 20,1 k€.
So you would pay, in total ~30 k€, leaving you ~70 k€ from your total 100 k€ gross income. Your combined average tax rate is around 30% for that high income.
Of course you would then pay VAT when spending that money: ranging from 4% for basic goods to 21% for most of regular consumer goods.
On the other hand, public education is also free in Spain. Even university tuitions. As an example, my own education, from high school to my college graduation, was completely free. I even received public grants to pay for books and other expenses.
As far as I know, it's pretty similar across Europe. As said in my prior answer, corporate tax varies greatly among countries. But that is of little impact to indie makers, solopreneurs and even small business owners.
To me, the issue is when you are starting up and you don't make much money. Then the Social Security fixed tax is particularly painful.
How is that in your countries?
Stripe charges a fee for invoicing, you can use this tool instead zenvoice.io/
Thanks I’ll check it out