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"Renting is throwing money"

is one of the mantras, along with "never have anything of yours" or "you can always sell and make a profit" in which has underpinned housing bubble, and we've all heard on occasion, especially those we are inclined by tenancy, thereby opposing parents, grandparents, coworkers, friends, intergalactic forces and powers that number, which called for (and many of them still refuse to stop advocating) the Loft furnished as "investment."

I'm not going to dwell on the data input rental rates in welfare states like Germany or Sweden, since this argument has always been there and has repeatedly dismissed since, as we all know (and if someone puts it in Certainly not in the photo), "as in Spain do not live anywhere." There is only gay fellows see the smiles with which so many "northern European" crab wearing their skins and socks to his knees in the promenades de Mallorca Lloret de Mar. By the way, which will Turkey, Croatia and Bulgaria are about starving. And do not come in the picture.

Nor will I make a passionate defense against the rental property and, generically, because in any case, it is a decision to be taken in response to cyclical conditions. Juncture that, in Spain from about 2000 to date, meant and means to buy will not be the rational choice, even though the legislation (Law heir Boyer quasi-criminalization of the tenant), the media blitz on all fronts, easy credit with negative real interest rates (lower than inflation) and the very mentality entrenched in society Tardofranquismo invited to think otherwise. Yes, I recognize that sucks buy Björklund, an S ø lengard a Kiräväs, or any other of those fashionable sofas that then what is the bitch of the home.

However, in that situation, I will defend rent as an investment, even if they reach the cost of a mortgage for the same property (not applicable).

could be making two previous semantic considerations. The first relates to the concept of rent. And the rent is not exactly opposed to property, because the lease does not provide a physical good, but a service. The second, in relation to the concept of ownership. And is that the property is mortgaged floor of the bank until it meets total debt. Therefore, we might well refer to a mortgage as "rent money" that is exactly what it is.

So, how justify the investment in obtaining a service as a rental property against the cost of money with which to buy? I have it very clear: in intangibles. Specifically, flexibility, tranquility and debt.

Just look at how many of those who yesterday boasted winners are now in a delicate situation to realize that we live in a changing socio-economic reality. The fact that we are who Today we join the labor market does not look anything like that faced by our parents, and possibly also to our children to be found. Don Pablo no longer provides a "job for life" because that model is no longer competitive, and our competitiveness depends on the fragile state of being that we have. Competitiveness in these times, and like it or not, goes hand in hand with flexibility work, but also geographically. A mortgage at 30, 40 or 50 years (as witches, Habel Hayles ) is an irreversible commitment to long term, it ignores the evolution (or devolution) that may occur to our society. And of course, flexibility is also rising. What goes through a roll and want to make a quantum leap? You have thousands of houses hoping to be hired. Therefore, rent is to invest in flexibility.

Another intrinsic value, and it falls under its own weight, is investment in peace . When you rent, no noose, or at least allows you to breathe more freely. Run no danger hipotecándote not run, and instead, you save many. What now there are economic difficulties? Are looking for something cheaper. The peace means health, and why not, some cost savings in future treatment capillaries.

Finally, and I think this is the most important of all, I think that rent is to invest in leveraged . And some may wonder, how come that, when this guy is defending the absence of debt as a life philosophy? Well, you do not need much dressing: our monetary system is based on the debt. Money is debt . This means that the larger our debt, that is, our ability to borrow in the future, the more capacity we have to make money in the system. Therefore, we have greater intrinsic value in a system that tends to spoil us. But then do not get no debt, are potential debtors, and that is listed. Once the debt contracted and tied the string and ball to the ankle, a person may be worth the same as a landmark, only have obligations. And I do not know about you, but the latter is not a scenario that motivates me especially ...

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now also in NeoProgs

Each time you coined a new word, especially when it concerns an ideological trend, there is some controversy over its proper definition. Neoprogs.com born some time ago, as its name suggests, as a progressive movement with certain qualifications, among which highlights an extreme skepticism that the world forces you to look beyond their noses and nearer the twentieth century.

Among its objectives, the Neoprogs hope to make clear this concept of real politics, rather than being a influential think tank. Although I wonder why do not you?

I therefore take this opportunity to inform my dear readers that from this week, this humble blog, which is fully identified with the premises mentioned above, it becomes part of that trend neoprogresista where you can meet with other colleagues to whom I strongly recommend reading, and not mention them because, hell, you are just a click Discovered:

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What the hell is the Courier?

That Courier is an official, ladrillófilo, denials of the housing bubble and, hence, the source property of the current economic crisis is something we all knew. But, dammit, something is one thing and another thing is that you make one an idiot:

Three bedrooms, 100m2 and over 345,000 euros, the most popular stories Euskadi

With gems such as:

• "The housing model that aims is priced at about 3,400 euros per square meter."

• "The people of the three Basque provinces are looking for properties with a value higher than the 345,000 euros" (incidentally, 120,000 more than last semester, which gives a good idea of \u200b\u200bthe magnitude of the sample statistics).

Oh yes, we know that Iñaki can not swim back under the suspension bridge, and Patxi pay the next round of Ferraris, but heck, this is not a joke in Bilbao. Only add to be missed vendors rushing, which next year will not be willing to buy hideout for less than 500,000. Tip apart, of course.

unknown whether these juntaletras Mail tab (at least they had the detail of not mentioning his name) in the bars of the neighborhood or directly in SIMA, but no less devastating than garbage devoid of the slightest journalistic rigor is that, in the sacred name of the information, we try to shoehorn. And fuck is that some people believe it.

Anyway, thank goodness that every day is less for real estate catharsis ... Ask one day "responsibilities to the mass poisoning?

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just returned from traveling and I've got a wisdom tooth, as no doubt you know, are two of the factors most likely to be far-reaching questions yourself. And today, because this weekend in Madrid has been one of those events "in defense of life" of "more than a million workers"-which, as we know, a demonstration in Spain is not as if it comes to million assistants, "has given me think how absurd they are some of the mindset that we have internalized.

turns out that, since being "left" is synonymous with being progress every citizen "of left "that claims to be defending free abortion or contraception (radical options), while the city" right "must defend abstinence (conservative option). Vale. Likewise, every good citizen" left "should defend euthanasia (radical option), while the good citizen "right" should opt for palliative care.

is why I wonder how the hell do you eat when you defend the radical option of breaking root to the current economic system in search of a fairer system, is labeled an "anti-radikal" by those same citizens 'left', converted into a pragmatic suavones preach "refound capitalism" (conservative option) and the universalization of alms and charity (palliative option)?

Anyway, I will take one tablet of ibuprofen, which is my particular palliative option ... because the radical option to rip the tooth with pliers, for the moment not contemplate ... If I am a carca!

there, there is the very bastard ...

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The wisdom teeth Come to Germany, Pepe

I'm hooked on "English in the world" . Well, maybe not hooked the correct term, since it has not given me drool at the sight, but the truth is that it is one of those few programs that get my attention. However, the really interesting about this type of space is the character, say, little chance of issuance.

About a year and a half, four surprised us with "Showdown" , a program where citizens homespun credit addicts receiving methadone dose (no shock treatments do not go thinking ), but I doubt any of them got there detoxify the advice received. In any case, that program certified impasse English growth model, and assumed de facto official recognition of the reality to come, and much of the population was not aware, or refused to accept. "Showdown" was the first blow in the form of reality TV show in prime time schedule .

More recently, four have been released with "Reform Surprise" , once certified the death of the little flat is like a pat on the shoulder of those addicted to Ikea and decorating magazines, somewhat slumping lately. I guess that plumbers, masons and other trades expect May as water the wave of reforms that is coming (heh) ...

What is therefore the intention of "English in the world? Is it clear, right? Let preparing the bags and backpacks, but not to go to Punta Cana, gentlemen. The first step is to make attractive the option to migrate. And that is the mission of this program. That we internalized, and even to stop a dim view that the jamonsito straws and blurred vision stop. That this is not like when the grandparents were going to Switzerland or Argentina, this is cool, that expands the mind and such ...

Personally, migrate abroad is an option I seriously mulling for years, and I see with good eyes. Some time ago I assumed that there is no future here, that the burden of the mentality of the little flat the pitch and the eternal teenager is very difficult to remove from the subconscious of most people (I bear witness that have long been trying ), and that this burden is impossible to reach any port (I'm sick of me head against the walls). But I swear that since I see how they try to manipulate us to emigrate, I feel a terrible desire (hopefully temporary) of plants, and screw them to those who seek to whom we have not participated in the cocktail party whom we now pay the snack booth with remittances via ...