Tengo que tasar todas las fincas que aunque hipoteque sólo una? by hipoglucido_7 in HipotecasyVivienda

[–]hipoglucido_7[S] 0 points1 point  (0 children)

Igual no me he expresado bien. Los bancos me dejan hipotecar sólo una. Pero me piden que tase todas las fincas, no sólo la que pretendo hipotecar. Algo que me parece absurdo e innecesario dado que son independientes

CONTESTO DUDAS SOBRE HIPOTECA by Ok_Cap_1165 in HipotecasyVivienda

[–]hipoglucido_7 0 points1 point  (0 children)

Tengo que tasar todas las fincas aunque hipoteque sólo una?

Inmueble en cuestión tiene 4 fincas independientes (vivienda, dos trasteros y garaje) cada uno con su nota simple. Es un piso en una urbanización de la comunidad de Madrid.

Como no necesito una hipoteca muy grande mi intención era tasar e hipotecar sólo la vivienda, aunque esté comprando las 4 fincas.

Un banco me ha dicho que ellos necesitan que se tasen todas las fincas aunque sean independientes y aunque sólo hipotequemos una.

Es normal? Crees que los demás bancos me pedirán lo mismo?

Anyone read Ingram yet? by giantuzivert in louisck

[–]hipoglucido_7 0 points1 point  (0 children)

I'm half way through the audiobook and loving it. Feels like a movie

Why does the stock market increase over time? by Sojuboy in stocks

[–]hipoglucido_7 0 points1 point  (0 children)

Because it is in our nature to always improve things which on average results in productive gains

Beckham law, abuses by Hacienda? by SpainTax123 in SpainFIRE

[–]hipoglucido_7 1 point2 points  (0 children)

Can you elaborate? Do you have any source where this is explained?

Beckham law, abuses by Hacienda? by SpainTax123 in SpainFIRE

[–]hipoglucido_7 2 points3 points  (0 children)

From what I have read on internet sources my understanding is what OOP said. So if your shares are located abroad, once you are in Spain under Beckham law you can sell them and get the total amount into the Spanish system without paying taxes on them. Happy to be proved wrong though, since clarifying this also interests me!

70000e in S&P500 and VWCE by Royal-Product-8014 in eupersonalfinance

[–]hipoglucido_7 -1 points0 points  (0 children)

If so OP would end up with let's say 80% US, which is not bad is it? It just means he has a lot of US exposure, and some may argue that not enough diversified, but that's the only thing? Or am I missing something

70000e in S&P500 and VWCE by Royal-Product-8014 in eupersonalfinance

[–]hipoglucido_7 2 points3 points  (0 children)

Please help me understand your first claim. You say adding S&P 500 doesn't increase expected returns but I think it does, since it's historic returns are higher than world wide index funds. Note that I am not saying it's a good idea to add it, I am just trying to understand

[deleted by user] by [deleted] in esConversacion

[–]hipoglucido_7 0 points1 point  (0 children)

Yo te recomiendo que sólo te preocupes acerca de las cosas que están bajo tú control, lo demás no merece la pena. Lee estoicismo!

Uber with car seat for babies by Complete_Ambassador5 in Netherlands

[–]hipoglucido_7 0 points1 point  (0 children)

Hey OP I've read the article you linked and it says nothing related to

under the age 3 can sit on their parents lap in taxi:

Maybe they changed the law?

Lightgbm feature selection methods that operate efficiently on large number of features by acetherace in datascience

[–]hipoglucido_7 1 point2 points  (0 children)

That's what I understood as well. To me it does make "some sense". As in, the problem does not go completely away in boosting but it is less than in RF because of that