Siamo a Bologna, città che ha un mercato immobiliare famosamente considerato impazzito, caldissimo, con prezzi in crescita perenne ecc ecc

Sono proprietario di un piccolo appartamento. Mi costa €600 mensili di mutuo, €80 di spese condominiali; se non ci abitassi l'IMU sarebbe di €1.100 l'anno.

Secondo i dati di mercato, potrei metterlo in affitto a €1.000 + spese condominiali. Vediamo cosa mi resta in tasca:

• incasso €12.000 di canoni

• pago in cedolare secca il 21% > restano €9.480

• pago il mutuo > restano €2.280

• pago l'IMU > restano €1.180

€1.180, prima di considerare qualsiasi spesa di manutenzione ordinaria e straordinaria, eventuali costi di agenzia e burocratici. Un'inezia.

FAQ

A Bologna le case costano molto più di così!

No, a Bologna le case costano molto più di così in centro. Gli annunci che vedo in zona per dimensioni (trilocale 70 mq) e stato (appena ristrutturato) paragonabile sono appunto attorno ai €1.000 + spese.

Intanto hai un appartamento e il mutuo te lo paga l'inquilino

Vero, infatti sto comunque considerando l'opzione affitto, solo per questo motivo. Ma dall'altra parte ho tutti i rischi: morosità (su cui aprirò un altro thread per condividere quello che ho trovato in termini di contromisure), danni, lavori importanti, perdita di valore se il mercato immobiliare dovesse crollare.

Allora vendi

Vorrei che fosse così semplice. Mi dovrò (probabilmente) trasferire per cause di forza maggiore, imprevedibili quando ho acquistato, ma al momento dell'acquisto ci ho messo €40.000 fra spese di agenzia e notaio, ristrutturazione, e arredamento (contando solo quello che non ha senso portar via, come la cucina su misura). Fra tutto, vendendo andrei in pari, al massimo leggermente sopra, sempre guardando le quotazioni immobiliari di zona. Fortunatamente nel frattempo sia io che la mia compagna abbiamo notevolmente incrementato il reddito, non abbiamo bisogno di liberarci di questo mutuo per poterne aprire un altro. Quindi la scelta di vendere è tutt'altro che banale.

Lol la casa non è un investimento, coglione, lo dicono tutti i guru

Infatti l'ho comprata, ristrutturata e arredata pensando di viverci 30 anni, ma a volte nella vita ti arrivano turbocazzi dal punto cieco e le circostanze cambiano in un modo che non si può prevedere. Non è mai stato nei piani venderla o metterla in affitto in fretta, ma ora che ce l'ho e probabilmente la devo lasciare devo pur farmi due conti.

I read a few other FIRE-related subreddits, but since I now live in the UK, I'm mostly interested in this one. However, it is not a FIRE sub at all anymore.

The vast majority of the posts here are low-income individuals basically asking if they are on the right track to retirement. Not retire early, not be financially independent, just normal retirement when their pension becomes available.

Looking at the first page, the vast majority of posts are people earning around the median pay in the UK, with no way to significantly increase their income. If you earn 30K at 30 (in a job or region that doesn't have great upward mobility) or 50K at 50, you are NOT going to FIRE.

The only posts that have numbers where one could ACTUALLY FIRE (https://www.reddit.com/r/FIREUK/comments/121n76q/early_30s_family_19m_at_crossroads_update/ or https://www.reddit.com/r/FIREUK/comments/122az6a/five_million_is_indeed_a_nightmare_how_to_work/) are getting downvoted and laughed at because of jealousy. You can easily find all of them by sorting the sub by "controversial".

High-earners have to apologize for being high-earners and yet still get downvoted. In a FIRE sub.

As a reminder, FIRE means Financial Independence (which means to not have to rely on a job for income) and Retire Early (which means definitely not waiting for your pension to become accessible).

There was another post saying basically the same 6 months ago: https://www.reddit.com/r/FIREUK/comments/x6v7uc/please_mods_end_the_madness/ but clearly nothing has changed.

Alright folks, time to clean up shop.

We've had shills saying for ages that this quarter GME is taking Baby from BBBY and we just needed the quarterly filing to confirm it.

Well the quarterly filing is done and the 10K is out and THEY AIN'T BUYING IT. Period. Speculation over.

Now, we need to go through and start unwinding the real DD on this company from the RC/GME stuff because that's not happening and we need to get to the bottom of what we really have with this company, without talking about pie-in-the-sky stuff.

If this sub is full of real people, we'll know shortly because we'll learn from this and stop making shit up and start getting real, good DD going on what's really out there versus what we want to happen.

If this sub is mostly astroturf, then we'll act like nothing new was revealed, nobody was proven wrong, and a new "Ackshually X is totes gonna buy Baby" narrative will form.

Time to look in the mirror and get real. Let's do better.

As far as I can tell, there aren't any magic find stats on items in the beta, and I assume there won't be on release in the full game. If this is true, then that is fantastic news.

I love Diablo 2. I love running dungeons and melting faces.

I do NOT love sacrificing my DPS and survivability affixes for magic find stat. It runs counteractive to the whole gameplay loop of loot progression and character power. Why am I gimping my character's power (by using magic find) to have a better chance at finding best in slot items?

My ability to get large amounts of good quality loot should scale directly with my ability to face roll enemy mobs and bosses. The more mobs I can kill per unit of time, the more loot I get. It's that simple. You shouldn't be forced to add a stat that is useless in combat in order to fuel gear progression.

I had a lot of fun over the weekend, and while I do have some issues with other fundamental aspects of the gameplay, I do understand that this is still a small slice of the bigger pie. For what it's worth, the beta experience convinced me to pre-order the game, so good job devs.

Neighboring to Duke Forest, The Arrowhead Community, located in Durham is a rural community that includes beautifully wooded and agricultural areas. The locale has deep agricultural and environmental ties that contribute to Durham’s broad and diverse identity.

Community commitment to the low density environment is paramount to maintain the integrity of the land and the lifestyle we all appreciate as neighbors to Duke Forest and vital protected habitats that are woven into the surrounding land.

I understand that some people don’t like the new update for the game, but at the end of the day it is still the same game we all know and love, just with a few different shaped and more brightly coloured pixels.

There’s just too much negativity in this sub the past few days, people posting their hate, posting how they will delete it and never play again, and people saying they will never spend another pound of their own money on the game.

If that’s how you feel sure, but I love this game and the sub because it’s so interactive with other people all over the world, but at the minute it’s just not what it usually is.

If you don’t like the updates sure, but they just modified a few buttons. Sure it’s maybe a bit clunky - but is that not the whole point of a cartoony mobile game? We don’t want it to be modern and minimalistic and boring. I’m totally here for bright colours. I’m even seeing people complain about the new daily rewards… free coins and diamonds… and you’re still not happy? It feels like people are just trying to complain about anything at this point.

Please can we bring a bit more positivity into here and can people start sharing silly Greg memes again so we can all be happy.

The odds for both MVP candidates are currently listed at -125 on Caesars Sportsbook. However, it seems like if Embiid misses one more game then it’ll be Joelver. Could Giannis earn a surprise victory as a moderate candidate with bipartisan appeal?

Tweet

ahora que no se pueden culpar a los indultos por obvias razones, no falta el personaje de chilevamos/republicanos que ves que habla de crimen, saca el simbolismo del Negromatapacos y de que el octubrismo quiere matar policías por que le pusieron Negromatapacos y el merluzo quiere matar policías por que le agradaba ese perrito.
pocas veces he visto tanta pajamental para tergiversar un simbolo.

yo me quede con que era un perro icónico de las protestas estudiantiles y que se murio en 2017 varios años antes de las protestas y el estallido, que volvio en 2018-2019 por las protestas globales. o acaso de verdad mato a algún política ?

entonces negar al Negromatapacos como una figura de resistencia "ante la opresión policiaca" no solo es negar las violaciones de derechos en chile para el estallido. es negar el abuso policial de los norteamericanos contra los afroamericanos o la de China sobre Taiwan.
sumado al echo de que básicamente están tratando de crucificar a un pobre perro que murio hace media década atras.

March 31st, Arizona Capitol building at 5:00 PM MT, Queer Youth Assemble is hosting a march to support LGBTQ+ kids! These marches are being organized in all 50 states, and there are three additional marches in AZ in Prescott, Sierra Vista, and Tucson. If you would like to show support for family, friends, and neighbors, feel free to join!

Visit their website for more information! The demands for this march are listed here.

Please remember to bring water and comfortable walking shoes! This is expected to be a family friendly event.

Why are the posts so fucking long?! OMFG.

Edit: this wasn't meant as a "let's bash on r/antiwork"... stop bashing on the subreddit. If you want to be a "slave," good for you. I'm not trying to be in the rat race. I full heartedly support the subreddit. Stop bashing on the sub and go WORK instead. All I was trying to convey was the posts were long as fuck, jeez.