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Everything posted by MadAxeMurderer

  1. Mortgage renegotiation

    Aha! Yes the interest is fixed for 15 years: 5 more years. But don't all mortgages have a repayment option after 10 years?
  2. Mortgage renegotiation

    You are suggesting they will be surprised I've done nothing up to now, and bend over backwards to give me an offer I can't refuse especially as I give them the option of doubling the mortgage with backed equity?   Or something else entirely?
  3. Mortgage renegotiation

  4. Mortgage renegotiation

    I have two mortgages. Exactly 10 years old this month. 72k from Ing DiBa at 5.64%  (3 small flats in Nürnberg) 50k from West Immo at 5.52% (1 larger flat in Nürnberg)   The WestImmo seems to have been sold to HSBC because they now book the rates from my account. The interest is fixed for 15 years which seemed a great idea at the time. And I'd be laughing if interest was 7%   I have enough cash to pay off the balance on one mortgage.   So my plan is to ring IngDiBa and say I want to pay back the mortgage because it is now time and I can.   I'm hopeful they will try to talk me out of it offering me a wonderful interest rate going forward. Then I'll mention the 2nd mortgage and suggest we could roll both mortgages together if they made me a really sweet deal. And then I might discuss my desire to buy more property and suggest we could increase the combined mortgage to say 150k to take appreciation into account.   I can of course have exactly the same conversation with the other bank and take the best offer but I somehow prefer Ing DiBa.   Is the a cunning plan?  Am I being naive? Is there a better way? Will the fact that I don't live in Germany (Austria) affect things?   Currently I only pay 1% Tilgung. Kinda dumb I know but I did get lost in Asia for a few years, and my property always had positive cashflow. Going forward I'll pay 8 or 10% Tilgung. I would also like the interest fixed for 5 years. After 5 years at super Tilgung I'll have paid so much off I won't care if interest rates jump.
  5. Flying Ryanair in November 2018

    I live in Graz, and want to fly from Vienna to Dublin. Out Thu 1 Nov, Back Mon 5 Nov.   Laudamotion which is part of Ryanair have convenient cheap flights. It appears that only 1% of flights are affected by the strikes, and Ryanair cannot go for weeks with this uncertainty? Bratislava-Dublin is also operated by Ryanair.   The next closest city with convenient, reasonably non Ryanair priced flights is Zurich an overnight train ride away.   So do I risk it, and hope they fly. Theoretically if the flight is cancelled I understand the airline is required to get me to my destination by whatever means necessary in a reasonable timeframe, although I'm aware Ryanair has tried to pull a fastone coeercing stranded pasengers into just accepting a full refund.   Then again if you're stuck in an airport, getting Ryanair to do anything for you required or otherwise without a pet lawyer by your side is probably a frustrating experience. In particular I notice all their call centre numbers are 0900. Being left on hold for 2 hours on a 0900 number would be a new exercise in frustration.   So do I just risk it and book?
  6. Flying Ryanair in November 2018

    I bit the bullet and flew Ryanair. I'm 183cm and my knees were banging off my chin. But the man beside me was 188cm so I had a good schadenfreude inspired laugh.   On the way back we had a few cm more space, but the flight was 40mins late.   All in all an excellent trip by Ryanair standards. What a pity trains don't go from Austria to Ireland.
  7. Flying Ryanair in November 2018

    I generally use and They are booking sites like expedia   Flightconnections is good because it shows every single direct flight connection out of the airport you choose.
  8. Flying Ryanair in November 2018

    @Kommentarlos Godamm it, I rely heavily on to find who goes where. They were only showing laudaoption, now they are are only showing aerlingus.   The Aer Lingus flights are marginally more expensive, and the return flight leaves too early: 07:10, I'll have to start driving at 02:00 but it is definetly not Ryanair.
  9. Flying Ryanair in November 2018

    @fraufruit Maybe I'm naive, but surely that have to reroute me to Paris, Amsterdam, Frankfurt or God help us: London, and from there onto Dublin (although then  ideally Shannon).   They cannot just say: no other direct flights, cannot reroute.   Remember there is a problem to every solution.
  10. Flying Ryanair in November 2018

    A little more on Ryanair trying to dodge responsibilities because of strikes:
  11. Flying Ryanair in November 2018

    @El Jeffo You are sounding like a broken record. Whence did you get the above information?   It totally disagrees with   Of course it is not beyond the bounds of possibility that Ryanair simply lied, and you are quoting Ryanair's lies back at me.    
  12. Flying Ryanair in November 2018

  13. Flying Ryanair in November 2018   The above is from Ryanair's website. The seem to acknowledge they are obliged to get you to your destination, even on far more expensive flights with competitors.   It's not that Ryanair is a little cheaper, it is that it's almost my only option. I know there's no use pleading with you to accept what I want. But... What about only 1% of flights been affected and none of those in Austria... yet   @MikeMelga They told her 3 hours after departure the flight was cancelled? I don't think that is exactly what you meant???
  14. windows10 license in BIOS?

    Can someone with a cygwin x64 installation please Email me /usr/bin/make or from where 'which make' tells you I can't use the installer with poor internet to try and find which develop package make is buried in Package search on cygwin tells me where make will be installed but not which package to get it from   I have gcc, g++ I just didn't get make when I setup cygwin   Edit: Forget it!!! Line below worked $ /cygdrive/c/francis/install/setup-x86_64.exe -q --packages=make
  15. Other tenant terrorising my tenant

    I own 3 apartments in one building in Nürnberg, and rent two of them out furnished. The corridors are like a hotel corridor with about 20 apartments on either side. I'm on very good terms with the housemiester.   Opposite one of my apartments lives a crazy woman with a Greek name. She cooks with fish a lot, and then leaves her stinking rubbish outside the door. She doesn't abandon it, she just leaves it there until she's going downstairs, but of course it stinks up the whole corridor.    Naturally my tenant complains. Once I confronted her myself and told her she should not leave her garbage in the corridor. I can't remember her exact response but it was a combination of aggressive and nonsensical.   Two years ago a tenant came home to find underwear hanging on his door. If it was hers and probably was that would be revolting. She is not a slim, well kept old lady.   Now my current tenant came back 2 weeks holiday to find the lock super glued, and something smeared on the door. I didn't understand exactly what but I think some kind of paint.   I contacted the house administration and asked for the contact details of her landlord, which they said the cannot give me because of data security. So I replied the tenant was always terrorising my tenants, and had now gone over the top. Where do we go from here? They replied they would ask the owner for permission to give me his details.   Now I can't prove it although it is obvious it was she who glued the locks, and deposited the underwear. Mounting a camera watching my apartment's door would be a lot of effort and probably useless for evidence?   Presumably I can formally complain about the garbage in the corridor. How and to whom?    Superglueing the locks is criminal damage. Does it make sense to complain to the police. Would they be obliged to investigate and interview her?   Well I'm looking for ideas going forward. I think the root problem is the smelly garbage. Tenants complain directly to her, and become her enemy.
  16. Immigration lawyer in Frankfurt

      Ok now your story just got completely unbelievable. German beamters cannot be fired. And a German fired for being rude. That would be like firing a Scandinavian for being blond. 
  17. Other tenant terrorising my tenant

    I shall visit the  Haus & Grund Verein (Owners' Association) on Tuesday morning. I shall be very interested in confirmaton that the HV lied to me in writing.
  18. Other tenant terrorising my tenant

    They also have not answered my Email asking for the Hausordnung. I shall phone them today and ask why not. And mention I shall also be involving the police, and addressing all complaints to them as custodians of the building.   But I am interested in the suggestion they lied in writing to me. Are you sure? German data protection is pretty strong.
  19. Other tenant terrorising my tenant

    @swimmer Can you point to the thread that related your parking problem?
  20. Other tenant terrorising my tenant

    Thanks for all the helpful replies and even the less helpful ones. Revenge is sweet, and superglueing her locks, or burning her apartment down (and all the apartments above hers) with her in it might be satisfying, but is not a solution.   The consensus seems to be I should demand that the Hausverwalting take care of her breaking hygiene and fire safety regulations by leaving garbage in the hall. I don't have a copy of the Hausordnung. Should I ask them for a copy before sending them said demands?    I appreciate nobody has told me to lawyer up yet. Should I write the letter myself or have a lawyer write it? Registered letter?   The only thing realistically to come from involving the police is a record of her misdeeds, and a visit from constable plod which might scare the shit of her, but bear in mind the insane are often not easily scared.   I don't live in Nürnberg, but will be there on Monday 3rd Sep. Should I phone them? Visit them myself. I suppose I could ask my tenant to go to them, but nobody likes going to the police.
  21. What's your favorite country in Europe?

      Well frankly New Zealand food is far far better than Portuguese. Try and get something vegetarian, and not utterly bland in Portugal.  Unless you think French fries are not bland
  22. Accused of torrenting copyrighted material

      If there is such a clause in the contract does that mean Frommer & co will directlx chase the tenant, or that after Frommer sues you, you have to sue the tenant?
  23. Hayfever, has it hit you yet?

    For about 3 days now my eyes have been itching and hurting. I've had a cold anyway which would disguise the running nose symptons.   So as far as I'm concerned I've been hit with hay fever. In early February??? Are we going to be sunbathing in April. Will we ever ski again?   This global warming stuff is no joke.
  24. Hotel Laguna Albatros 9th-16th June

    This is a very long shot. This site is more for foreigners living in Germany, than Germans living in Germany.   Without a name your task is very difficult. Hopefully you're not pregnant.
  25. What made you smile today?

    Thankyou for some happy news. Benevolent lions protect endangered rhinos