[-] timberwolf1021 1 points 1 day ago

Do you realize how many suicides and assorted anguish such a crash would cause?

I swear to gods, you people don't really know how to think things through.

[-] timberwolf1021 1 points 3 days ago

So do we just... fuck over all the renters living in landlord-owned units for the next 5-20 years while this cool new mass public housing is being built by all those extra construction workers we definitely don't have a shortage of?

[-] timberwolf1021 1 points 5 days ago

What is this supposed to prove?

[-] timberwolf1021 1 points 5 days ago

I agree! However, it will take a lot of time and carefully crafted policy to make that happen, without perverse incentives appearing. In the meantime, we have to live in the real world and deal with landlords as a (hopefully temporary) fact of life.

[-] timberwolf1021 4 points 5 days ago

Landlords are not philanthropists. You are not going to find a big group of homeowners who want to rent at a loss out of the goodness of their own hearts.

I would love if the government took strong measures to encourage home ownership and discourage treating real estate as an investment. Really, I would. But that will take many years of hard work and economics PhDs to concoct a plan that works. So, until we find a government with the balls to do that for real, we have to understand that dealing with landlords in a realistic way is a necessary evil.

Because if you nuke rentals without first ensuring people can afford to buy, all you'll accomplish is to create a mass housing shortage worse than you've ever seen.

[-] timberwolf1021 1 points 6 days ago

Good luck in your search! We're very lucky to have actually just found a buyer for the full list price, but yeah, the market is rough right now

[-] timberwolf1021 5 points 1 week ago

Running a red ≠ going through a yellow. The latter is legal – that's the whole point of a yellow, to give warning for folks who are a bit too late to stop.

[-] timberwolf1021 4 points 1 week ago

I have NEVER gone through a red, and yet I routinely substantially speed. There's no excuse for running reds. If your reaction time is too shitty to stop quick enough, drive slower. But some of us have very fast reaction times indeed.

[-] timberwolf1021 4 points 1 week ago

Thank you. You're exactly right.

[-] timberwolf1021 7 points 1 week ago

Fuck people that run reds. As a speeder, even I can agree with you on that. I'm so sorry for what happened to you, no one deserves to be put through that.

[-] timberwolf1021 4 points 1 week ago

I'm an Ontarian driver. I hate speed traps, and I will purposely go out of my way to avoid them, or otherwise figure out exactly where the device is so that I can slow down for it.

I'm sorry, but for all the folks that want us to drive 40 everywhere in "community safety zones"... you're living in dreamland. We all have places to be.

Have barriers and well-designed crossings. Fast cars can't hurt pedestrians if they aren't on the road to begin with.

[-] timberwolf1021 4 points 2 weeks ago

Oh, just to clarify, the house is owned outright with no mortgage, so at least we don't have any equity problems like the first article mentions. However... yeah, that's not looking promising. I'm inclined to think it's better to drop the price by €101K or so. Better to do that and get the money now, than get stuck with it for many more years while the market recovers. Do you think that could make sense?

We do have some rental income, but it's managed by the family friend, who only rents out to "nice families" she knows. We're half-booked for July and August. It drives me a little bit crazy that they resist doing a proper managed Airbnb in the meantime.

Honestly, I'd love to get rid of the property in hopes that we can then buy into something that WE control. I'd like to think I'm half decent at financial management, but to be effective, we need to actually have control. The family friend is a really nice lady, but she's no financial manager, that's for sure.

7
Are our realtors incompetent? (self.personalfinance)
submitted 2 weeks ago by timberwolf1021 to c/personalfinance@lemmy.ml

Hey, maybe y'all can give some unbiased advice. My wife co-owns a €1.4 million villa in Spain with her grandma. The property has been on the market for 2 years. I'm inclined to believe that the realtors are incompetent and that something is being done wrong. Am I crazy, or is something wrong here?

There's an older lady who's a family friend who currently manages the property and deals with the realtors on my wife's behalf. She's lovely, but not an expert in this, by any means. We are told by her that an appraisal late last year upheld the €1.4 million valuation, but to be fair, neither of us have seen that appraisal.

The property is currently listed by several realtors in the area – namely, Villa Iberia, Inmo Palafrugell, La Clau Brava, Espigul, and Cala Maset. My understanding is whoever manages to sell the house, gets the commission.

The house is in the Platja d'Aro region and is ~350 m2 in size, with 4 bedrooms and a large outdoor pool, a short drive away from the beach.

Is the price way off, or is something else wrong? Surely 2 years is too long for selling this! Thanks in advance to anyone who takes the time to give some advice.

14
Are our realtors incompetent? (self.personalfinancecanada)

Hey, maybe y'all can give some unbiased advice. My wife co-owns a €1.4 million villa in Spain with her grandma. The property has been on the market for 2 years. I'm inclined to believe that the realtors are incompetent and that something is being done wrong. Am I crazy, or is something wrong here?

There's an older lady who's a family friend who currently manages the property and deals with the realtors on my wife's behalf. She's lovely, but not an expert in this, by any means. We are told by her that an appraisal late last year upheld the €1.4 million valuation, but to be fair, neither of us have seen that appraisal.

The property is currently listed by several realtors in the area – namely, Villa Iberia, Inmo Palafrugell, La Clau Brava, Espigul, and Cala Maset. My understanding is whoever manages to sell the house, gets the commission.

The house is in the Platja d'Aro region and is ~350 m2 in size, with 4 bedrooms and a large outdoor pool, a short drive away from the beach.

Is the price way off, or is something else wrong? Surely 2 years is too long for selling this! Thanks in advance to anyone who takes the time to give some advice.

6
submitted 2 weeks ago by timberwolf1021 to c/investing@lemmy.world

Hey, maybe y'all can give some unbiased advice. My wife co-owns a €1.4 million villa in Spain with her grandma. The property has been on the market for 2 years. I'm inclined to believe that the realtors are incompetent and that something is being done wrong. Am I crazy, or is something wrong here?

There's an older lady who's a family friend who currently manages the property and deals with the realtors on my wife's behalf. She's lovely, but not an expert in this, by any means. We are told by her that an appraisal late last year upheld the €1.4 million valuation, but to be fair, neither of us have seen that appraisal.

The property is currently listed by several realtors in the area – namely, Villa Iberia, Inmo Palafrugell, La Clau Brava, Espigul, and Cala Maset. My understanding is whoever manages to sell the house, gets the commission.

The house is in the Platja d'Aro region and is ~350 m2 in size, with 4 bedrooms and a large outdoor pool, a short drive away from the beach.

Is the price way off, or is something else wrong? Surely 2 years is too long for selling this! Thanks in advance to anyone who takes the time to give some advice.

14
submitted 4 months ago by timberwolf1021 to c/ontario@lemmy.ca

Hey y'all! I've lived in southern Ontario for my entire life, but I'm planning to move up north with my wife in a year or so. We want to have a log house built on a forested 5+ acre lot, probably somewhere in the rough vicinity of Gravenhurst.

I've vacationed up north lots, but of course, vacationing is different from daily life. As for work up there, I'm a computational and structural biologist, and will be doing contract work for coding plus small in vitro experiments. Got a client lined up already.

So I'm curious – as a suburban girl with no experience living rurally in a small town like Gravenhurst, what do I need to know?

~~Also... do country diner regulars get discounts?~~ XD

25
submitted 4 months ago by timberwolf1021 to c/transgender@lemmy.ml

cross-posted from: https://lemmy.blahaj.zone/post/22882552

I'm 30, transfem, and to be quite honest, I feel my will to live slowly slipping away. I'm trying to find the willpower to finish my PhD thesis and to get into a better living situation after that, but I find myself frozen and wanting to curl up into a tiny ball of nothingness instead. And there are LOTS of reasons for that, mostly centered around trauma, guilt, and shame.

I don't think I can fit everything I need to say in a succinct post, so if it isn't against the rules, would any of you fellow girlies be willing to shoot me a DM and give some advice? I don't think I can really explain without having a back-and-forth conversation... thanks in advance. 🏳️‍⚧️💜

69
submitted 4 months ago by timberwolf1021 to c/trans

cross-posted from: https://lemmy.blahaj.zone/post/22882552

I'm 30, transfem, and to be quite honest, I feel my will to live slowly slipping away. I'm trying to find the willpower to finish my PhD thesis and to get into a better living situation after that, but I find myself frozen and wanting to curl up into a tiny ball of nothingness instead. And there are LOTS of reasons for that, mostly centered around trauma, guilt, and shame.

I don't think I can fit everything I need to say in a succinct post, so if it isn't against the rules, would any of you fellow girlies be willing to shoot me a DM and give some advice? I don't think I can really explain without having a back-and-forth conversation... thanks in advance. 🏳️‍⚧️💜

130
submitted 4 months ago* (last edited 4 months ago) by timberwolf1021 to c/mtf

I'm 30, transfem, and to be quite honest, I feel my will to live slowly slipping away. I'm trying to find the willpower to finish my PhD thesis and to get into a better living situation after that, but I find myself frozen and wanting to curl up into a tiny ball of nothingness instead. And there are LOTS of reasons for that, mostly centered around trauma, guilt, and shame.

I don't think I can fit everything I need to say in a succinct post, so if it isn't against the rules, would any of you fellow girlies be willing to shoot me a DM and give some advice? I don't think I can really explain without having a back-and-forth conversation... thanks in advance. 🏳️‍⚧️💜

5
submitted 5 months ago by timberwolf1021 to c/investing@lemmy.world

My wife is inheriting an investment holding company that belonged to her grandpa, who passed away a few years ago. The ownership transfer is in the final stages, so we'll need to start thinking about what we ought to do with the assets it holds. Could you guys give us some guidance?

The company's assets are in a Swiss account that includes:

  • 175 ozt fine gold (0.995), valued at about $500K USD;
  • 2,000 shares of UBS Asia Flexible Bond Fund USD P-acc, valued at about $300K USD;
  • Cash, mostly in Euros, valued around €350K/$360K.

The Asia bond fund invests in a variety of countries, including Indonesia, the Philippines, and Sri Lanka. About a quarter is sovereign bonds, and the rest is a mixture of bonds in those emerging markets.

The performance is not terrific, but now does seem like a good high point to sell. The percentage growth over the years was -5.7% in 2021, -16.4% in 2022, 3.9% in 2023, and 5.8% in 2024. Am I correct in thinking it's rational to sell these shares?

As for the gold, I'm not actually sure what makes the most sense. Thoughts?

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timberwolf1021

joined 6 months ago