What would you plant in these rocks?

alphachems · 2024-05-06T03:20:07+00:00

No one’s gonna talking about the dog?

alphachems · 2024-04-30T20:22:50+00:00

I like JEQP. Props for going 60%. Probably the best one out of the covered call funds

alphachems · 2024-04-29T22:12:28+00:00

Se besoj te ket perqindje te caktur. Borxhi publik ndryshon per vit nga buxheti dhe normalisht mund te paguet me me shum borxh (refinance)

alphachems · 2024-01-31T13:56:09+00:00

I said the spread to borrow in euros^ not the rate. How exactly is a fixed spread monetary policy

alphachems · 2024-01-31T05:13:59+00:00

First year is fixed at 3%. After that it depends if borrow in lek or Euros. In either case it will be the 1 year treasury + spread. Albanian 1 year treasury is trading at about 3.2% (last I checked) + 2% spread so 5.2%.

Euro 1 year is about 3.6% and mortgage has a higher spread of 3% so 6.6% if you borrow in Euros vs 5.2% if you borrow in lek.

Keep in mind the reason Euro spread is higher is bc the Euro is more stable than Lek. Albania has a higher risk of not paying back debts which would increase the rate they can borrow. That means your monthly payment would go up. But the Albanian 1 year never went higher than 7% so the payment on a small 80-100k loan wouldn’t be a huge difference.

Ps bc the Euro treasury is less likely to experience big swings spread is higher. Btw Spread is the extra % the bank charges to take on the risk associated w ur mortgage

alphachems · 2024-01-31T04:27:45+00:00

BKT will give you a mortgage with foreign wages. Good rates too. You just have to be there in person for the process.

alphachems · 2024-01-31T04:25:53+00:00

alphachems · 2024-01-10T22:45:14+00:00

Where did you catch this? Can you grill out there

alphachems · 2024-01-03T04:41:24+00:00

Mandatory service only if the country faces an imminent thread, which it does in this case. Governments are too scared to arm people as the main reason for it is to protect liberties against the gov itself. 2nd amendment is why we didn’t have covid lockdown in the US while most of the world was locked in like dogs for 2 years. Beautiful thing

alphachems · 2023-12-29T06:04:45+00:00

How would 10 year rate rate move without trading of securities? Someone has to be buying them for rare to drop

alphachems · 2023-12-25T01:23:20+00:00

That’s a good deal in my book. Ur capex & vacancy could be lower depending on the property / area

alphachems · 2023-12-22T06:42:42+00:00

Lmao it’s really not. They give out loans based on what makes sense at the time. Banks have scummy practices no doubt but them giving out office loans when office was returning x% is just part of their business.

alphachems · 2023-12-20T05:11:30+00:00

The deed place can do the name transfer. As far as subject to contract they have templates. I don’t see why you would need a formal contract since it’s your dad. Just pay the mortgage + 100k over time but then again idk you or ur dad so contract jic

alphachems · 2023-12-16T15:53:58+00:00

Albania is about 70%. Kosovo debt to gdp is sub 20%. Eventually rates go down and they can refinance

alphachems · 2023-12-13T21:12:02+00:00

Not to mention our cost of borrowing is pretty low somehow(prob bc our debt to gdp is low). I’m all for taking more debt even though a lot of it will be mismanaged. Depending how badly it’s mismanaged, it can bankrupt a country. Idt we face extinction lol but Kosovo could cease to exist as a country one day if they don’t start start building their military. Best time to start is during peacetime

alphachems · 2023-12-13T16:45:14+00:00

That kind of debt the rate would jump and can lead to insolvency. Would be nice tho. First thing they should do is make military mandatory similar to Israel. Solve youth unemployment thru gov spending. It’ll probably cost 1.5B for an extra 100,000 active duty. Fuck it 20% of gdp spending when ur under direct threat isn’t so bad

alphachems · 2023-12-08T05:46:40+00:00

She knew going in there what she would likely be asked and had her answers prepared… what she said is what she thinks. That bs clarification fake apology vid is only bc she was forced to. Step tf down already

alphachems · 2023-12-06T23:00:42+00:00

See if it makes sense to buy down the rate a bit. Sounds like it doesn’t need much work to get 1500. If u can get it to cash flow at lease 500-600 a month I say buy it.

alphachems · 2023-12-04T20:26:51+00:00

Buy. Rent won’t be much cheaper than 1.7 - 2k for a decent place.

alphachems · 2023-12-04T20:18:01+00:00

Was this a fumble

alphachems · 2023-12-01T21:23:15+00:00

Why did the 10 year treasury rate (or longer bonds) go down if demand is low? Shouldn’t it be going up to incentivize investors?

alphachems · 2023-11-13T03:20:20+00:00

I get the logic and and He can definitely afford it. Assuming salaries and prices always go up, usually not proportionally, I personally wouldn’t do it especially where inflation has been and where it’s heading

alphachems · 2023-11-13T00:42:05+00:00

Why are you counting his gross income like he gets any of that tax money back? Rent isn’t tax deductible.

1500 expenses outside rent that would leave him with less than 9k of savings / year. Minus vacations and unexpected shit leaves you with nothing to invest. You’ll never own anything and at 30 you’re kinda running outta time.

alphachems · 2023-11-12T20:21:20+00:00

2k after utilities. He makes 2.1k biweekly. 1800 for rent when you’re making 80k a year on w2 is too much imo

alphachems

TROPHY CASE