New real estate
Now came a new real estate in the bréfalúguna. As expected, the decreased valuation of our apartment considerably - it was 24,150,000 last year but has now been 21,100,000 kr. At this juncture, slide the couple over the status of the Our loan.
result was rather striking. We bought the apartment in October 2006 for 23.8 million. Took 17 million loan, the rest was paid out in hand. 43 payments after the loan is in 22.8 million apartment and to name that 21.1 million worth.
We tried to do everything right - the longer version
winter of 2001-2002, I was last year in high school and the Hawk had been together all the high school years. We were engaged and therefore have decided to create a home. This extent, I became excited by buying two-bedroom apartment and began to see real estate ads.
I set criteria, with seven million crowns when I was viewing - it was hard to find a beautiful two-bedroom apartments at the price, but well be. I thought it would be neat to buy an apartment and renting it out until we qualified farming.
We were strongly advised from purchasing the apartment at the time of all we asked. "The real estate market is a bubble that bursts in the coming months!" we were told, "do not buy the flat until you do." And we did, not because we wanted to make serious financial mistakes in the beginning of farming.
When we went to live in 2003 we decided to sacrifice independence for frugality and accepted it with thanks to start farming in kjallaraíbúð youth broadcasters. We had no car, had parasites in my parents with electricity, heating and internet, and worked with schools. Consequently, we do not take student loans and had almost no expenses except matarinnkaup and operating the two mobile phones.
In 2005 I went to college in the UK. Then there was Hawk graduated with a master's degree in computer science and got a good position just outside London and had held us up while I was studying. Escape back to what we námslánin. When
we consider the return trip of the second half of 2006 because we were in the unusual position of being debt free and have some savings. We went looking for the same location in the capital, and even though prices had risen sharply in recent years (and seven million worked, no longer anything!), We actually become vantrúuð that this was a bubble. We had to hold our breath for five years and still she had not cracked - what kind of bubble was it?
Maybe barnaskapur to think that way, but when all was said and done, the rental of three bedroom apartment above the servicing of the loan to purchase it. And the loan fell, after all, as you paid, the rent money that man ever again.
Another day has come.
In October 2006 we bought a nearly 90 square meter apartment in 23.8 million. Almost seven were swung out, got loans from the HFF for seventeen.
Since then we have dutifully paid the loan every month. First were paying back the debt of less than eighty thousand per month, were yet to bed a hundred in the winter. Fee Days have been 43rd We have recruited well in paying back the debt and never be late paying.
Therefore, I am a bit hvumpin already a new valuation was received.
Our apartment is said to be worth 21.1 million. Our loan and a 17 millions? It stands at 22.8 million. Last month, paid to the traditional hundred þúsundkall of it - still owed þúsundkalli with hundreds more this month than last.
MILLION seven who were placed on the table when we bought are gone. (The current hourly pay of university between administrators in the public sector, it takes me two and a half years working me into seven million. Some say that money does not matter - but imagine what you could do a lot of fun for two and a half years!)
We tried to make everything right. We tried to be prudent - we've never spent much, never take car loans, never once used overdraft. We have received help from our closest at the beginning of farming and have fairly equal income since we moved back to Iceland. And I do not understand quite how we got into this deadly mess.
not mistake - I have it still great. As I say, it means the couple well with the paying back the debt on the loan. And if we eignumst another child who is so easy to set up bunks in barnaherberginu. But aside from definitely not in these circumstances.
(If one of us got sick, for example, and would find it difficult to walk up the stairs - then we would be in pretty bad shape here on the third floor.)
I'm not one of them has roared and laughed so hard out of the crisis. I understand that my salary will rise, I understand that you vandist of high quality of life here in the past. But when I look at these numbers, I rode a bit. I feel a bit of glow in my breast that was not there before. For though I have gone abroad to write way too twisted rate, I find that the sentence not in accordance with the crime.
Tuesday, June 29, 2010
Tuesday, June 22, 2010
How Much Does A Mulberry Cost?
bea_is @ 2010-06-23T00:08:00
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Friday, May 21, 2010
Breastfeeding Her Husband
The compulsory transfer of best group
It was claimed the unnamed Facebook page the other day that the generation born in the ninth decade of last century, competent big responsibility for the crash and þaulsetu Independence of power. I found the theory - and still feel - absurd, but is now ready to find a phenomenon that this generation can take responsibility for: The best category.
At my age were raised that we might all. We were perhaps the first generation that was gjörvöll raised in the belief that she could do whatever she wanted. No doubt, some who went to sea just because my father and grandfather did it and other options were not available - but they are more who decided to learn Sanskrit or playing the trombone.
útskrifuðumst When BA was our bull boom. We were all received a grant to play trombone Directors, write one column in the newspapers, been working in marketing departments or go abroad to write books.
Jon threat and partners (who certainly are all a little older than these people - the generation born in the seventh decade of the twentieth century is somehow still young and cheer the people ...) is to appeal to this group. They are to Promote the idea that artists are best suited to all things, it needs to invest in people, not buildings, it needs to improve art education in the education system, put frogs in the pond and all that pretty.
And this appeals to us because we are maybe a bit stressed out over it now have not learned dentistry, and air traffic control. And because the stripes are not fully come - the people with a BA degree in óhagnýtu articles are not starving in the streets but it is skíthrætt to be there. And that's why we have to hang on draumsýn inside that led us into the BA program in English / history / political science / philosophy of the humanities can change the world.
That's why my generation will elect Jon threat and companies in a week.
Signed recalls that she has a BA degree in literary studies and foreigners with master's degree in writing plays. But would sometimes wish that she was controller.
It was claimed the unnamed Facebook page the other day that the generation born in the ninth decade of last century, competent big responsibility for the crash and þaulsetu Independence of power. I found the theory - and still feel - absurd, but is now ready to find a phenomenon that this generation can take responsibility for: The best category.
At my age were raised that we might all. We were perhaps the first generation that was gjörvöll raised in the belief that she could do whatever she wanted. No doubt, some who went to sea just because my father and grandfather did it and other options were not available - but they are more who decided to learn Sanskrit or playing the trombone.
útskrifuðumst When BA was our bull boom. We were all received a grant to play trombone Directors, write one column in the newspapers, been working in marketing departments or go abroad to write books.
Jon threat and partners (who certainly are all a little older than these people - the generation born in the seventh decade of the twentieth century is somehow still young and cheer the people ...) is to appeal to this group. They are to Promote the idea that artists are best suited to all things, it needs to invest in people, not buildings, it needs to improve art education in the education system, put frogs in the pond and all that pretty.
And this appeals to us because we are maybe a bit stressed out over it now have not learned dentistry, and air traffic control. And because the stripes are not fully come - the people with a BA degree in óhagnýtu articles are not starving in the streets but it is skíthrætt to be there. And that's why we have to hang on draumsýn inside that led us into the BA program in English / history / political science / philosophy of the humanities can change the world.
That's why my generation will elect Jon threat and companies in a week.
Signed recalls that she has a BA degree in literary studies and foreigners with master's degree in writing plays. But would sometimes wish that she was controller.
Wednesday, April 14, 2010
Dvp-sr200p Sony Multi Region
report
It's a bit obsolete to be of any exclamation of Investigation Commission report, yet I must admit that I have dealt with it quite emotional. I still managed not to word my thoughts properly until the night.
Well, maybe it is the responsibility no one wants to bear as I am concerned. I'm honestly a little worried that it lies not just in individuals (147 or more), but also with a signed and its readers - that the entire nation. It was so striking that the same attitude was veruleikafirrta of through in all respondents, whether they were politics, Administrators or viðskiptamógúlar. I am very scared that it was actually little difference who sat to kjötkötlunum, we had all hegðað us similarly. I pressed itself on the work for banks, I wrote a cover letter with no content but full of hástemmdum statements. Did not it pretty big, one way or another?
Do not worry, I know well that the concept of nation is not in fashion. But as there may be a certain culture within the family must also be able to form a certain culture in a well designated residential areas?
But what I mean too, is we are getting so scary. And we are all the samdauna attitudes and habits that got us into this quandary to begin with. As stated in the last parliamentary elections just wants so that it is not without a certain percentage of what people who are interested in parliamentary, and it just so happens to this country has most of the percentage served in parliament through the entire sukkið. We do not simply personnel in any real renewal.
And I have a little hysterísk when I think about raising my daughter in a society where it would inevitably changed Sigurjón Árnason when it will be big.
But possibly, this post just an example of my tendency to put myself in too big a role in all events. While I'm at Bommel over have tried to lick up the banks is still perhaps fulllangt been writing for the fiscal me ...
It's a bit obsolete to be of any exclamation of Investigation Commission report, yet I must admit that I have dealt with it quite emotional. I still managed not to word my thoughts properly until the night.
Well, maybe it is the responsibility no one wants to bear as I am concerned. I'm honestly a little worried that it lies not just in individuals (147 or more), but also with a signed and its readers - that the entire nation. It was so striking that the same attitude was veruleikafirrta of through in all respondents, whether they were politics, Administrators or viðskiptamógúlar. I am very scared that it was actually little difference who sat to kjötkötlunum, we had all hegðað us similarly. I pressed itself on the work for banks, I wrote a cover letter with no content but full of hástemmdum statements. Did not it pretty big, one way or another?
Do not worry, I know well that the concept of nation is not in fashion. But as there may be a certain culture within the family must also be able to form a certain culture in a well designated residential areas?
But what I mean too, is we are getting so scary. And we are all the samdauna attitudes and habits that got us into this quandary to begin with. As stated in the last parliamentary elections just wants so that it is not without a certain percentage of what people who are interested in parliamentary, and it just so happens to this country has most of the percentage served in parliament through the entire sukkið. We do not simply personnel in any real renewal.
And I have a little hysterísk when I think about raising my daughter in a society where it would inevitably changed Sigurjón Árnason when it will be big.
But possibly, this post just an example of my tendency to put myself in too big a role in all events. While I'm at Bommel over have tried to lick up the banks is still perhaps fulllangt been writing for the fiscal me ...
Sunday, April 4, 2010
Ikea Bulb Replacement
Ethics Lessons of Easter
Christians are very much Bommel around Easter. First fixed length, so Friday and stuff. Great remorse and internal reflection in progress. I'd think that the Gentiles slyppum with this, but it is not so good. Sælgætisfabrikkurnar, as opposed to the churches, namely, to reach almost all the population, and have decided to páskabömmernum team.
I consider myself a patient person. I tolerate continuous krepputal a year and a half. But now enough is possible. Hell crisis and the cliche uterine ethics lesson that all people should draw from it have Ruds into the eggs.
My wife and I bought a little egg for private daughter. Were excited to see who the first saying that the child would be in their lives. And you know it? Raup's plan people like Noah said Sirius. Great.
Next, I opened my eggs from Góu. There was: The death of ærulaus living child left to himself. Merrily reminder for sólbjörtum vordegi.
When my husband broke up the egg from his Noah Sirius (yes, this is somewhat of easter) stood there: Alternate is what goodness or gjörvileiki .
Maybe it's indicative of what has become a crisis acidified after all, to find stæka crisis-Reformation of the smells that ö ; whole. Of course you could say that many of the traditional values that are contained in málshátt unum have been infringed in the expansion, but was not hi ; can be choose something a little nitrous ing?
Christians are very much Bommel around Easter. First fixed length, so Friday and stuff. Great remorse and internal reflection in progress. I'd think that the Gentiles slyppum with this, but it is not so good. Sælgætisfabrikkurnar, as opposed to the churches, namely, to reach almost all the population, and have decided to páskabömmernum team.
I consider myself a patient person. I tolerate continuous krepputal a year and a half. But now enough is possible. Hell crisis and the cliche uterine ethics lesson that all people should draw from it have Ruds into the eggs.
My wife and I bought a little egg for private daughter. Were excited to see who the first saying that the child would be in their lives. And you know it? Raup's plan people like Noah said Sirius. Great.
Next, I opened my eggs from Góu. There was: The death of ærulaus living child left to himself. Merrily reminder for sólbjörtum vordegi.
When my husband broke up the egg from his Noah Sirius (yes, this is somewhat of easter) stood there: Alternate is what goodness or gjörvileiki .
Maybe it's indicative of what has become a crisis acidified after all, to find stæka crisis-Reformation of the smells that ö ; whole. Of course you could say that many of the traditional values that are contained in málshátt unum have been infringed in the expansion, but was not hi ; can be choose something a little nitrous ing?
Sunday, February 14, 2010
Should I Be Concerned For A Blirubin Level Of 1.3
2007
I miss the 2007 wasn't much, just in general. It is the only year that I've been out of work (and they got the message very clear from my employment to manpower were not sought after!) and when I finally got a job would be a shame to say that I have been ofalin.
But today I was still missing now plunge into the stomach. Haukur was going through old papers and found a receipt for a trip abroad that we in the spring. We went on a five-day trip to Spain, because it was inclusive - three meals per day and all the alcohol that you could in itself make. With low as sveskjur the sundlaugarbakkanum and completely ignored indigenous culture, we just drank the sun and read books. Wonderful trip, as I now had long been full of prejudice towards this menningarsnauðra traveling.
But whatever. Account for the entire trip; flights, accommodations for five nights and all the nutrients while staying said - was 110 thousand. When I saw the number 2007 I missed a lot ...
I miss the 2007 wasn't much, just in general. It is the only year that I've been out of work (and they got the message very clear from my employment to manpower were not sought after!) and when I finally got a job would be a shame to say that I have been ofalin.
But today I was still missing now plunge into the stomach. Haukur was going through old papers and found a receipt for a trip abroad that we in the spring. We went on a five-day trip to Spain, because it was inclusive - three meals per day and all the alcohol that you could in itself make. With low as sveskjur the sundlaugarbakkanum and completely ignored indigenous culture, we just drank the sun and read books. Wonderful trip, as I now had long been full of prejudice towards this menningarsnauðra traveling.
But whatever. Account for the entire trip; flights, accommodations for five nights and all the nutrients while staying said - was 110 thousand. When I saw the number 2007 I missed a lot ...
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