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74
Please recommend some Pattaya condominium
You are correct that banks can adjust mortgages, but only if you have selected an adjustable-rate mortgage. If you don't want that uncertainty, choose a fixed-rate mortgage, and buy only what your income can afford. You are also correct that real estate prices can drop. That is also true for other investments, such as the stock market. You need to be prepared for some ups and downs whatever investment you make. But, as with the stock market, the long-term trajectory for real estate is upward. The very first condo I bought in America, years ago, cost me $60,000. Did a quick check and saw a similar 1-bedroom listed for $290,000. That's an upward trajectory, long-term. Even if the value of your property temporarily drops, it doesn't mean you will be kicked out and lose your home. That only happens if you fail to meet your financial requirements of home ownership. One can also be kicked out as a renter for the same reason. No answer for either except be responsible and don't try to live a Rolex lifestyle on a Timex income. I mentioned in my earlier post that the last condo I bought in the US for $170,000 is now worth $274,800. What I didn't mention, although I have spoken about it in other threads, was that after I bought it, in 2009, the condo's value dropped to $160,000. Did I actually lose $10,000 cash folding money though? No, because I didn't sell at that time. I did not, in your words, 'lose everything' when the price dropped, and would not have even if I had sold then. Just $10,000 lost of a $170,000 investment. Not $170,000 --'everything'--lost, had I sold. The price drop was just on paper. Nothing else changed financially--the monthly condo fee stayed the same, the mortgage payment didn't change. If I could make the monthly house 'nut' before, the price drop would have no bearing on my making it in the future. And, I still had a roof over my head and was not homeless. With that condo, I waited until the housing market recovered and I sold it at a small profit, as I was now living in Thailand and I didn't want to be an absentee landlord. With real estate, or the stock market, you can have on paper losses. A few months ago, on paper, my stock portfolio dropped when Trump first started tinkering with tariffs and the market panicked. On paper, it dropped about $15,000. But, again, I didn't actually lose $15,000 in cash out of my pocket because I didn't sell any stocks at a loss. My portfolio has since recovered and hit an all-time high last week, although it was down yesterday. Ups and downs, for sure, but more ups, long-term, with both real estate and the stock market. -
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Politics Anutin Denies Eyeing Thai PM Role Amidst Political Rumours
Thailand would do well to have a Thai in charge just for a change. -
42
Epstein Coverup Continues
if there isnt any clients or list then how could he & Maxwell be done for supplying the girls. -
13
What does your fluency roadmap look like?
For you, try advanced beginner or early intermediate material like the comprehensible thai channel, pickup Thai podcast, self-study- thai.com, maybe คำนี้ดี podcast, it teaches English to Thai people, so it is easier to understand. This can build your vocabulary, improve your reading fluency and listening comprehension, and assume you know how to read; this is a priority. Learn to read properly, too, so you can accurately pronounce the written words (tone rules). Do a class with a good teacher who will correct your pronunciation, and avoid the "it's ok, I can understand you" thing you need some correction. Of course, keep using it in day-to-day life, read everything you see in the world around you, ask Thai friends/partner to explain words, etc.. If you want to cram vocabulary like someone suggested, spaced repetition software like Anki is the most efficient, but a bit of a boring slog. -
42
Epstein Coverup Continues
Well! I find this all very confusing. I have my suspicions someone is lying.
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