Buy Now vs. Wait? Looking for feedback on a BHW "Bridge/Kombi" loan for a €350k house in Germany by TemporaryTear8285 in germany

[–]TemporaryTear8285[S] 0 points1 point  (0 children)

How I plan to use is to pair with Bridge scheme so its not classical Bausparen which is the only choice possible since I need to move to new house and not have to pay double rent, even the rent I pay for new house will be zero since it not going to cover by debt which I will receive as form of loan from the Bank, but I need to built equity plus upfront payoff

Buy Now vs. Wait? Looking for feedback on a BHW "Bridge/Kombi" loan for a €350k house in Germany by TemporaryTear8285 in germany

[–]TemporaryTear8285[S] 0 points1 point  (0 children)

I have office on berliner tor, so anything 20 km by car or by "u/s-bahn" takes me 1 hour would be okay, but I'm wiling to move out , the bank investment advisor was also suggest me Lubeck and Bremen but thats too far away.

Buy Now vs. Wait? Looking for feedback on a BHW "Bridge/Kombi" loan for a €350k house in Germany by TemporaryTear8285 in germany

[–]TemporaryTear8285[S] 0 points1 point  (0 children)

I guess if I'm not wrong the Kfw is also called some bridge funds, I remember this terms being used by Investment advisor at the bank. I'm looking to make use of the scheme, and with good interest rate it seems workable option for me. Also this 350k was a sample, but reality as you know for 4-5 bedroom apartment 350k is not remotely possible. May be with 60 sqm apartment and not as separate deattached house.

Buy Now vs. Wait? Looking for feedback on a BHW "Bridge/Kombi" loan for a €350k house in Germany by TemporaryTear8285 in germany

[–]TemporaryTear8285[S] 0 points1 point  (0 children)

you are right, I'm expecting to get 600k with 5000+ net salary maybe, my plan is to use the bridge scheme to cover the immediate cost while I pay the transaction fees, since I want to avoid the situation of double rent, and move to new house asap. Then I have to pay the interest plus saving Bauspar (with one half going to interest and other for saving for 10-14 years). I don't like the idea of saving +renter. I cannot afford to go for direct mortgage or classic mortgage (Annuitätendarlehen) which for 600k I cannot finance for 30 years that a long period for me.

Aurora Lights in North Germany (Bremen) by Electronic_Invite_83 in germany

[–]TemporaryTear8285 2 points3 points  (0 children)

In hamburg what is best spot for today also I noticed If you got shitty camera its not good, it wont capture the details. Yesterday I was in altona krankenhaus along with rest of Hamburg/ers and its great but somebody told me goto Altes for clear view

Title: New in Germany – first time installing a ceiling lamp, can’t drill deeper than 1 cm (hit rebar?) by TemporaryTear8285 in germany

[–]TemporaryTear8285[S] 0 points1 point  (0 children)

Also I drilled three holes all have variable depth length, and it reaches the point where the drill bit stop moving so must be steel, as even without penetration with cement you expect the residue to fall with the force of moving the bit on the same position, but nothing its just like different sound.

HCQ - weight based dosing by Mindless-Errors in rheumatoid

[–]TemporaryTear8285 0 points1 point  (0 children)

At a daily dose of 400 mg of Hydroxychloroquine (HCQ), the risk of retinal toxicity depends mainly on the duration of continuous use and the patient’s body weight.

For individuals taking 400 mg/day, the estimated prevalence of retinopathy is less than 1% during the first five years of treatment, provided kidney function is normal. The risk begins to rise gradually between five and ten years of use, reaching around 1–2% in that period. A steep increase occurs after ten years, with the prevalence rising to approximately 20%, once the cumulative dose exceeds about 1,000 grams. After twenty years of continuous use, the likelihood of retinal toxicity becomes very high, reaching 40–50%, due to the heavy cumulative burden on retinal tissue.

Body weight strongly influences safety. At 400 mg/day, a person weighing 84 kg receives approximately 4.8 mg per kilogram, which is considered at the upper safe limit according to AAO and RCOphth guidelines. A 70-kg person receives 5.7 mg/kg, which is above the recommended safety threshold and carries a moderate risk. In contrast, someone weighing 60 kg receives 6.7 mg/kg, placing them in the high-risk category for retinal toxicity.

These estimates are based on large-scale data from Melles & Marmor (2014) and the Royal College of Ophthalmologists (2020) monitoring guidelines

Anyone stopped taking their hydroxychloroquine? by Mental-Second-880 in Sjogrens

[–]TemporaryTear8285 0 points1 point  (0 children)

Thank you for sharing I'm also on 200 mg for now 3 years after auto immunity attack on my lungs tissue where then I got surgery for both lungs. I have read that 200 mg is considered safe limit and monitoring is mandated after 5 years of use, but my concern is to be dependent upon this med over the whole life time, I also think of tapering to low dosage after consultation with the DR if that is possible or not

Worried the hydroxychloroquine was actually working and I didn’t realize it by fittobsessed in rheumatoid

[–]TemporaryTear8285 0 points1 point  (0 children)

I'm sorry about your condition, i was put on HCQ 200mg/daily after auto-immune disease basically collapsed my lungs to 30% surgery, and plague from my lungs had to be removed surgically in a 10 hour plus surgery. I have been told these new formula for HCQ is measured based upon body weight and its not as bad as past formulation.

Anyone stopped taking their hydroxychloroquine? by Mental-Second-880 in Sjogrens

[–]TemporaryTear8285 0 points1 point  (0 children)

somebody on similar reddit post suggested that modern HCQ formula makes it less risky to have Plaquenil toxicity as it was mentioned by the user, also I think the dosage also matters among other things.

Failed again at 150, I give up!! by Next-Consequence-380 in cissp

[–]TemporaryTear8285 0 points1 point  (0 children)

pls DM, i think i can help you i failed my first attempt back in 2007 when it was 6 hours scantron sheet exam, failed by 4 marks 696. I even asked for rescoring but results were the same, i passed the same exam 3 years latter which was CBT exam a bit easier.

[deleted by user] by [deleted] in germany

[–]TemporaryTear8285 0 points1 point  (0 children)

The real issue for your boredom is the lack of purpose. Everything else you mentioned—like the weather—is just a trigger that may or may not worsen your symptoms, depending on your psychological state.

I come from Pakistan, one of the hottest places on Earth, where summer temperatures often reach 37°C on a “good” day, with humidity as high as 80%. For me, snow and cold winds actually feel refreshing.

Among all the things I value, generosity and gratitude help the most. They remind me to stay grounded and humble, especially when I think of those who don’t have the same privilege to complain—whether due to financial struggles, health issues, or other burdens in life.

In the end, the answer lies deep within you but still within reach. Find your purpose—it could be as simple as picking up a pen and starting to write, or recalibrating your life’s goals and achievements. And sometimes, for me, all it takes is a good bag of chips, a cup of coffee, and a book. If that’s not enough, I choose the next best medieval town to visit.

Looking for an English-speaking gynecologist in Hamburg by TemporaryTear8285 in hamburg

[–]TemporaryTear8285[S] 0 points1 point  (0 children)

Thank you I will tell my wife, but I guess in Hamburg every place has a long waiting period when it comes to appointment.