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personalfinance·Personal Financebytimberwolf1021

Are our realtors incompetent?

Hey, maybe y'all can give some unbiased advice. My wife co-owns a €1.4 million villa in Spain with her grandma. The property has been on the market for 2 years. I'm inclined to believe that the realtors are incompetent and that something is being done wrong. Am I crazy, or is something wrong here?

There's an older lady who's a family friend who currently manages the property and deals with the realtors on my wife's behalf. She's lovely, but not an expert in this, by any means. We are told by her that an appraisal late last year upheld the €1.4 million valuation, but to be fair, neither of us have seen that appraisal.

The property is currently listed by several realtors in the area – namely, Villa Iberia, Inmo Palafrugell, La Clau Brava, Espigul, and Cala Maset. My understanding is whoever manages to sell the house, gets the commission.

The house is in the Platja d'Aro region and is ~350 m2 in size, with 4 bedrooms and a large outdoor pool, a short drive away from the beach.

Is the price way off, or is something else wrong? Surely 2 years is too long for selling this! Thanks in advance to anyone who takes the time to give some advice.

View original on lemmy.blahaj.zone
personalfinancecanada·Personal Finance Canadabytimberwolf1021

Are our realtors incompetent?

Hey, maybe y'all can give some unbiased advice. My wife co-owns a €1.4 million villa in Spain with her grandma. The property has been on the market for 2 years. I'm inclined to believe that the realtors are incompetent and that something is being done wrong. Am I crazy, or is something wrong here?

There's an older lady who's a family friend who currently manages the property and deals with the realtors on my wife's behalf. She's lovely, but not an expert in this, by any means. We are told by her that an appraisal late last year upheld the €1.4 million valuation, but to be fair, neither of us have seen that appraisal.

The property is currently listed by several realtors in the area – namely, Villa Iberia, Inmo Palafrugell, La Clau Brava, Espigul, and Cala Maset. My understanding is whoever manages to sell the house, gets the commission.

The house is in the Platja d'Aro region and is ~350 m2 in size, with 4 bedrooms and a large outdoor pool, a short drive away from the beach.

Is the price way off, or is something else wrong? Surely 2 years is too long for selling this! Thanks in advance to anyone who takes the time to give some advice.

View original on lemmy.blahaj.zone

Are our realtors incompetent?

Hey, maybe y'all can give some unbiased advice. My wife co-owns a €1.4 million villa in Spain with her grandma. The property has been on the market for 2 years. I'm inclined to believe that the realtors are incompetent and that something is being done wrong. Am I crazy, or is something wrong here?

There's an older lady who's a family friend who currently manages the property and deals with the realtors on my wife's behalf. She's lovely, but not an expert in this, by any means. We are told by her that an appraisal late last year upheld the €1.4 million valuation, but to be fair, neither of us have seen that appraisal.

The property is currently listed by several realtors in the area – namely, Villa Iberia, Inmo Palafrugell, La Clau Brava, Espigul, and Cala Maset. My understanding is whoever manages to sell the house, gets the commission.

The house is in the Platja d'Aro region and is ~350 m2 in size, with 4 bedrooms and a large outdoor pool, a short drive away from the beach.

Is the price way off, or is something else wrong? Surely 2 years is too long for selling this! Thanks in advance to anyone who takes the time to give some advice.

View original on lemmy.blahaj.zone

Moving north - what's life like? Any tips?

Hey y'all! I've lived in southern Ontario for my entire life, but I'm planning to move up north with my wife in a year or so. We want to have a log house built on a forested 5+ acre lot, probably somewhere in the rough vicinity of Gravenhurst.

I've vacationed up north lots, but of course, vacationing is different from daily life. As for work up there, I'm a computational and structural biologist, and will be doing contract work for coding plus small in vitro experiments. Got a client lined up already.

So I'm curious – as a suburban girl with no experience living rurally in a small town like Gravenhurst, what do I need to know?

Also... do country diner regulars get discounts? XD

View original on lemmy.blahaj.zone

I'm in a really dark place... please help

cross-posted from: https://lemmy.blahaj.zone/post/22882552

I'm 30, transfem, and to be quite honest, I feel my will to live slowly slipping away. I'm trying to find the willpower to finish my PhD thesis and to get into a better living situation after that, but I find myself frozen and wanting to curl up into a tiny ball of nothingness instead. And there are LOTS of reasons for that, mostly centered around trauma, guilt, and shame.

I don't think I can fit everything I need to say in a succinct post, so if it isn't against the rules, would any of you fellow girlies be willing to shoot me a DM and give some advice? I don't think I can really explain without having a back-and-forth conversation... thanks in advance. 🏳️‍⚧️💜

View original on lemmy.blahaj.zone

I'm in a really dark place... please help

cross-posted from: https://lemmy.blahaj.zone/post/22882552

I'm 30, transfem, and to be quite honest, I feel my will to live slowly slipping away. I'm trying to find the willpower to finish my PhD thesis and to get into a better living situation after that, but I find myself frozen and wanting to curl up into a tiny ball of nothingness instead. And there are LOTS of reasons for that, mostly centered around trauma, guilt, and shame.

I don't think I can fit everything I need to say in a succinct post, so if it isn't against the rules, would any of you fellow girlies be willing to shoot me a DM and give some advice? I don't think I can really explain without having a back-and-forth conversation... thanks in advance. 🏳️‍⚧️💜

View original on lemmy.blahaj.zone
mtf·Transfembytimberwolf1021

I'm in a really dark place... please help

I'm 30, transfem, and to be quite honest, I feel my will to live slowly slipping away. I'm trying to find the willpower to finish my PhD thesis and to get into a better living situation after that, but I find myself frozen and wanting to curl up into a tiny ball of nothingness instead. And there are LOTS of reasons for that, mostly centered around trauma, guilt, and shame.

I don't think I can fit everything I need to say in a succinct post, so if it isn't against the rules, would any of you fellow girlies be willing to shoot me a DM and give some advice? I don't think I can really explain without having a back-and-forth conversation... thanks in advance. 🏳️‍⚧️💜

View original on lemmy.blahaj.zone

Inherited a Swiss holding company – what do we do with the portfolio?

My wife is inheriting an investment holding company that belonged to her grandpa, who passed away a few years ago. The ownership transfer is in the final stages, so we'll need to start thinking about what we ought to do with the assets it holds. Could you guys give us some guidance?

The company's assets are in a Swiss account that includes:

  • 175 ozt fine gold (0.995), valued at about $500K USD;
  • 2,000 shares of UBS Asia Flexible Bond Fund USD P-acc, valued at about $300K USD;
  • Cash, mostly in Euros, valued around €350K/$360K.

The Asia bond fund invests in a variety of countries, including Indonesia, the Philippines, and Sri Lanka. About a quarter is sovereign bonds, and the rest is a mixture of bonds in those emerging markets.

The performance is not terrific, but now does seem like a good high point to sell. The percentage growth over the years was -5.7% in 2021, -16.4% in 2022, 3.9% in 2023, and 5.8% in 2024. Am I correct in thinking it's rational to sell these shares?

As for the gold, I'm not actually sure what makes the most sense. Thoughts?

View original on lemmy.blahaj.zone

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