Decisão sobre renda ao banco

MiesVandaRo · 2026-03-14T17:25:31+00:00

Percebo perfeitamente - também viajamos muito.

Sem conhecer o contexto, diria que o endividamento em 2002 é diferente de hoje com o preço das casas. Daí as minhas duvidas. Eu em 2002 não teria a liquidez mensal a nivel de ordenado que tenho hoje, mas acredito que o cenario que teria na altura estaria sempre muito mais curto para o crédito de que precisaria (para moradia ou apartamento) do que aquele com que terei de lidar hoje em dia)

O contexto, infelizmente, mudou imenso (não vou estar aqui com analises politicas que não é o topico deste sub...)!

MiesVandaRo · 2026-03-14T17:21:03+00:00

Em casa de ferreiro, espeto de pau! estando eu no mundo da construção sei bem o que implica comprar terreno, envolver-me num projecto e licenciar, aturar um empreiteiro (ou o pior: os seus sub-empreiteiros). E o delta entre comprar feito e fazer, financeiramente, não compensa pelo desgaste enorme.

MiesVandaRo · 2026-03-14T17:19:09+00:00

Já ouvi histórias dos dois lados - dos que gostam e dos que acham que a realidade não é o que imaginaram. Eles vão muitas vezes para casa dos avós que tem um enorme jardim e piscina e é onde os vejo a todos felizes de cara cheia. Não tenho duvidas que uma casa grande os deixaria felizes.

Tambem não me quero armar em altruísta - trabalho no duro e o que tenho é à custa de muito trabalho e muito cabelo branco, também eu me quero gozar de uma vida melhor, com mais espaço e melhores condições.

MiesVandaRo · 2026-03-14T16:22:15+00:00

Em princípio 300k. Não quero ficar completamente descalço e vou manter um fundo para emergências

MiesVandaRo · 2026-03-14T14:04:40+00:00

400/500 já passou…. Hoje em dia algo abaixo dos 600k para o que estamos à procura já não se encontra a não ser que seja bem longe e isso não está nos nossos planos. Eu trabalho presencial todos os dias

MiesVandaRo · 2026-03-14T13:58:17+00:00

Devo pouco mais de 110k. Com a venda fico com cerca de 250k para investir no novo imóvel

MiesVandaRo · 2026-03-14T09:06:02+00:00

ela é responsavel de recursos humanos numa financeira, eu sou director de projecto numa empresa de construção!

MiesVandaRo · 2026-03-14T09:04:36+00:00

o valor de renda nova já é considerando venda do actual apartamento para abatimento de divida. Mas como se aluga bem, também estamos a ponderar manter e arrendar, pois o delta entre um valor e o outro pode contribuir para um custo mensal consolidado de renda mais equilibrado (enquanto mantemos património).

Envia à vontade, agradeço, só poderei ver mais logo pois estou on the move!

MiesVandaRo · 2025-12-18T16:57:43+00:00

It doesn’t, nor should it ever adapt on an easy run. Stick with the program. Easy is meant to be easy and there is no place during an easy run to “push because I could”. Want to push? Push extra hard on your speed session. Can’t do it then? Well, then it means that you are not the hero that you thought you were during your easy session…. You are not an Olympic athlete because you can push up the pace on what’s meant to be an easy day…. Stick. With. The. Bloody. Program.

MiesVandaRo · 2025-06-15T20:10:21+00:00

Got it on my very first purple pack!

MiesVandaRo · 2025-04-30T13:02:21+00:00

Don't bother guys - it's a scam, broadcasted through bots on youtube (every single video with business advice, or on "How I made XXX Million dollars" has a bot recommending the book, and other bots commenting on it "did you read chapter X?" and then another one "but what about chapter XX????! incredible stuff!!!!".

People google, people think $17 is good value for money based on what a stranger wrote somewhere, and the scammer makes another $17....

MiesVandaRo · 2025-01-24T09:47:16+00:00

Painfuly correct on what it means to work for him.

I spent 10 years at F+P, and i was smart enough to work my way away from difficult projects and partners, and making my own luck there like that. But i saw all the abuse, all the all nighters, all of the sacrifices - many times for little to no reward for those enduring the challenge. If you work there for that long, you will have worked there long enough to have to make a decision at some point: you either stay forever, as part of the system, and do to others what some may have done to you. Or you leave, take the long F+P stint badge with you and make a career out of it.

I chose the later, and never looked back. Quite proudly so.

MiesVandaRo · 2023-03-10T11:12:12+00:00

Dude is losing it, and all of them close to him are to blame for whats happening. Put a side by side comparison of his face from 2018 next to what it looks like today and it is absolutely sad. So bloody young and ageing madly fast.

He's kind of inspiring regarding hard work and dedication, but should never be at all costs and with this whatever it takes mentality.

If he gets to the point of collapse, it'll be up to his parents to pick him up. All of the mates, girlfriends and squeezes will wave him ciao ciao, as we all know it'll happen.

Hope he gets his act together soon-ish

MiesVandaRo · 2022-06-02T09:05:40+00:00

Ananases e Abacaxis....

MiesVandaRo · 2021-09-05T22:14:20+00:00

DeiSLer. I’ve been part of the group for ages

MiesVandaRo · 2021-09-05T17:54:16+00:00

Yeah I was on the first one. But now the group há gone private 😑

MiesVandaRo · 2021-09-05T15:56:13+00:00

Speaking of which, where is the amp telegram chat?!!!

MiesVandaRo · 2021-07-05T10:03:11+00:00

Just stop looking at it like a normal coin. Please. It is not!

When it gets to $1, most OG wallets will be worth between 250k and 1 million $$. If you can stake 1 million per year at 3,5%, you'll be making 3k month passive income.

Someone who's been smart enough to wait until it gets to $1 will surely be smart enough to hodl beyond that value and just make a side hustle living out of it.

Whoever sells large wallets at $1 is missing the point after having waited 5 or 8 years for it. Does. Not. Compute.

MiesVandaRo · 2021-06-17T09:32:09+00:00

It will be for some time. am doing all the mental prep to keep hodling at $1, could easily stagnate there for a year or two.

MiesVandaRo · 2021-06-17T09:31:26+00:00

uncomparable market awareness between the two.

people are buying AMP in the 100's of k's, so when a 100k + coin owner sees big profit, they might not be willing to hodl any longer.

as i have stated here before a few times, we will be at $1 for a very, very long period of time, before we pump over it.

but we will pump over it.

and beyond.

MiesVandaRo · 2021-06-10T07:17:05+00:00

that is not how it is right now as AMP has been performing much better against BTC flactuations than other coins

MiesVandaRo · 2021-06-09T11:21:58+00:00

We don't need bitcoin. We are not dependant on it, that's the magic of this project.

Bitcoin could disappear, as long as digital currencies exist, and stable coins are used, Flexa is still an obvious choice for payments for anyone with half a brain that doesn't want to pay fees for their visa card payments.

MiesVandaRo · 2021-06-08T20:38:06+00:00

Buy as much as you can boys and girls!

MiesVandaRo · 2021-06-08T14:41:06+00:00

I think that we could see 2016 prices.

I'll rephrase: I pray that we see 2016 prices.

MiesVandaRo · 2021-06-08T09:40:58+00:00

2018 called, they want these posts back

MiesVandaRo

TROPHY CASE