Aug
29
My studio is on the first floor and it is facing the garage door as well as the whole “boulevard” that is in front of my building. I like its location very much. It allows me to have a direct view to everything that is happening in front of the building. People have a rear view to my “wall”. I do not mind. Few people started to realize that I am an internet “freak”. I started to receive questions about internet, printer, etc …. I do not mind if it is a technical question but I refuse to help people opening the front door or the garage door.
Most people living here are quite poor, I noticed one black dude who works as a dustman (“éboueur”), one girl is a security guard at the airport, one dude works also at the airport and he is taking care of luggages, one dude is a security guard at night. They have a hard life.
Aug
27
aBoUt lOvEd “mOnsTerS”!
Filed Under Daily
I work with people who are at least 10 years older and they all have kids. Some of their kids are 10 years younger than me. It is very funny to hear these mothers in their 50’s complaining about their loved “monsters”:
1. A 19 years old boy, who barely made it at school, is a geek!
2. A 30 years old boy (failed at school, no job and on a state pension, RSA) is also a geek!
3. A 16 years old girl, who failed at school, spends all her time out with her BF.
All these mothers dream about one thing: that their loved “monsters” would leave home and have a job. They are not too sure how that will happen though. One of the mother admitted one day that she had 3 kids because she did not want to find a job. Maybe it explains why these kids are a burden now.
Aug
25
aNoThEr plAcE AnotHer tImE!
Filed Under Daily
I had a strange dream! I tried to run up Mt-Cootha from my apartment in St Lucia, Brisbane, but I forgot the route to get there. I ran up this little hill everyday during 1 full year in Australia. It bothered me so much that I had to find my old address in Australia and all the streets from my place to Mt-Cootha.
Thanks to Google map, I will sleep in peace tonight!
Runners would meet in front of the Regatta:
Aug
25
My brother and my parents signed an agreement to buy this 3-rooms apartment, 200 k. I think it is good for all the following reasons:
1. No more loss in rent: 800 *12 = 9 600 Euros / year
2. Age limit for my brother.
3. The only deal that requires a permanent contract: CDI
4. Help from the government for new investors in housing (PTZ+)
5. Decent interest rates: ~2.7
Aug
22
sTaTs dO nOt liE!
Filed Under Daily
Still one of the best game:
Aug
22
iNterEsting!
Filed Under Daily
I always wondered where to get publicly available information about mortage rates and I found the information quite easily: LINK
Aug
21
iLluStraTioN!
Filed Under Daily
I just want to show my brother how much it costs him to get professional help instead of talking to banks directly for FREE. Indeed, 2 banks immediately accepted my proposal to align themselves to the current lowest rate 2.7%. They always propose by default a higher rate.
Taux (%) 2.7 2.8 2.9 3
Cost 20496 21161 21831 22502
Broker’s gain 0 665 1335 2006
The bank will pay the professional each 0.1% they are making from my brother who will pay it back through the rate each month.
So the professional’s advice to my brother: “do not talk to banks directly and let me do my job”. I surely would give the same advice if it was my job.
RATE calculator: LINK
Aug
20
I called this banking counselor, George, 2 years ago for my own mortgage and called him again yesterday for my brother’s mortgage. George sounds like a good father giving kids some wise advices over the phone. At the end of the call, I told him that he must be enjoying life now since I remember him telling me two years ago that he just finished his mortgage.
George told me that he got divorced and they sold the house and split the money. At 55 years old, he is back to where he was, trying to buy a new home but this time alone. I did not ask if they had kids.
Two years between 2 phone calls and someone’s life has dramatically changed. I wish I did not remember all these stories but I have a good memory. Sad sad!
Aug
19
tRuE bEauTy!
Filed Under Daily
Finally I am playing 4K images on my Thomson 4K, one word to describe the feeling: WoA! Perfection! Soo many details of a single droplet of ink, fireflies or flowers on my home TV screen, the texture, the colors, the motion! You do not want to go back to normal resolution after having witnessed 4K colors, motions and details! You want MORE!
Here is the difference of quality on a normal and on a 4K TV screen and the quality is the same on my 50 inch TV screen:
Aug
17
4K rAw fiLeS!
Filed Under Daily
I was looking for 4K movies, ads or anything that can be played on my Thomson TV 4K at its highest definition. I only have access to 4K samples on Youtube but these are compressed files. I need the raw 4K file to play it on my TV:
Link to 4K galeries: Link
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