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
Aug
17
2 gOoD mOvIEs ReLeAsed!
Filed Under Daily
Available on IRC:
X-Men Days of Future Past 2014 KORSUB HDRip READNFO x264 AC3-MiLLENiUM
Maleficent 2014 RETAIL DVDRip X264 AC3-PLAYNOW
Aug
16
My wall shines during the night:
Aug
15
tOp pIcS!
Filed Under Daily, Nikon D200
Model like ones: