JK

The problem with this logic is the most people take the biggest loan the bank is willing to give them, leaving very little room to save and overpay, people put themselves at risk because when the bank says they can lend them for 250k home they find 250k home instead of buying something smaller in less desirable neighbourhood for 150k and keep more control of their finances.

Tres años pagando. 36 cuotas de 680€. 24.480€ de mi bolsillo. Capital amortizado del piso: 1.940€. Le debo al banco 178.060€. Casi lo mismo que el primer día. — ¿Cómo es posible? Porque nadie te explica cómo funciona realmente una hipoteca francesa. Que es el sistema que usa el 99% de los bancos en España. Y funciona así: El primer año tu cuota de 680€ se divide: — Intereses: 598€ — Capital: 82€ El banco cobra primero. Siempre. Todo. Y al capital le toca lo que sobra. El año 15: — Intereses: 340€ — Capital: 340€ Por fin la mitad. El año 28: — Intereses: 47€ — Capital: 633€ Ahora sí amortizan de verdad. Cuando ya casi has terminado. Lo que el banco nunca te dice en la firma: La mitad de tu hipoteca la pagas en intereses. No 64.000€. En muchos casos son 80.000€. 90.000€. Más. Dependiendo del tipo y el plazo. Si vendes el piso en los primeros 10 años habrás pagado cientos de miles en cuotas y seguirás debiendo casi todo el capital. Si amortizas anticipadamente el banco aplica primero a las cuotas finales. Las que ya eran casi todo capital de todas formas. No a las primeras. No a los intereses que ya pagaste. Los intereses ya los cobró. Esos no se devuelven. Lo que sí puedes hacer y casi nadie hace: — Pedir el cuadro de amortización completo antes de firmar. No el resumen. El cuadro. Fila por fila. — Amortizar capital desde el primer año. Aunque sean 100€ extra al mes. En los primeros años cada euro ahorrado en capital ahorra 3 en intereses futuros. — Negociar el plazo hacia abajo. 20 años en vez de 30 puede ahorrarte 40.000€ reales. Con cuotas solo un 25% más altas. — Revisar si compensa cambiar a tipo fijo antes de que suban más los tipos. Me firmé una hipoteca de 180.000€. Y en realidad me firmé una de 244.800€. La diferencia no estaba en letra pequeña. Estaba en un cuadro que nadie me puso encima de la mesa. Y que yo nunca pedí. Porque no sabía que existía. Ahora lo sabes tú.

Me firmé una hipoteca de 180.000€. 30 años. Cuota: 680€ al mes. Me senté esa noche a hacer los números reales. 680€ × 12 meses × 30 años. Total pagado: 244.800€. Vale. 64.000€ de intereses. Asumible. El banco me lo había explicado así. El banco me lo había vendido así. Firmé sin hacer más preguntas. Tres años después un amigo contable me pregunta: — ¿Sabes cuánto capital has amortizado ya? — Calculo que unos 7.000€ ¿no? Se ríe. Me enseña el cuadro de amortización que el banco nunca me puso delante. 👇

@EdwardJDavey 🍿 waiting…

There’s nothing British or glorious about your nasty, intolerant vision for our great country Rupert. I can see why Elon Musk is so keen on you.

@MarioNawfal It comes with an interesting story and questions about legality, worth looking into it

🇵🇱 As other countries in Europe go all in on modern architecture, Poland is out here still building castles 😂 Stobnica Castle may look medieval, but construction only started in 2015! More of this, please.

@FearedBuck It’s PLN 282 millions today and counting! Updated live here: dissnaraka.cancerfighters.pl

Polish streamer Łatwogang’s 9-day, 24/7 livestream has ended after raising over 192 million złoty (around $45 million) for Cancer Fighters, supporting children battling cancer. This makes it the largest charity livestream ever.

Not only that.. at one point it’s been watched by 1.7 million people.. few talking heads sitting in small one bedroom flat without fancy studio, teams, coordinators, media presence.. just an honest desire to help sick kids. Amazing! Companies outbidding each other live, former adversaries bridging the divide after many years of conflicts, love and peace the Polish way! Love Poland! 🇵🇱 ❤️

🇵🇱 A streamer in Poland has broken records this week, raising over 150 million złoty (about $40 million) in a charity stream benefiting children with cancer. Patryk Garkowski, known online as Łatwogang, has been live on YouTube for 9 days, and it’s still going on. The initial fundraising goal was just 500,000 złoty (about $138,000). In similar streams held by Mr. Beast and others, many millions were raised, but nothing like this. Hats off to these guys. Source: TVP

@durov Crazy…

41 kidnappings of crypto holders in France in 3.5 months of 2026. Why? 🥖 French tax officials selling crypto owners' data to criminals (Ghalia C.) + massive tax database leaks. Now the state also wants IDs and private messages of social media users. More data = More victims.

@DAMACOfficial Thank you for your response! The building is Golf Gate, Damac hills, issue is known to security and maintenance

Hello, thank you for bringing this to our attention. At DAMAC, maintaining the quality and comfort of our communities is a priority, and this is not the experience we aim to deliver. Please share your contact and unit details via DM so that our team can reach out to address the same. x.com/messages/compo…

A performance that rises above the noise, driven by clarity and conviction. March 2026 marks another milestone for DAMAC, reinforcing our position as a leading developer in the region.

@Kristof_Poland Kultury, jak pieniądze w prawie Kopernika-Greshama, gdy są zmieszane to ta niższa zastępuje tą wyższą, dokładnie z tego samego powodu, dla którego słabsza moneta zastępowała bardziej wartościową w obiegu - obserwacja własna

@arstechnica Cultures are like currencies.. the lesser one replaces the more complex ones, just like in the Copernicus law

Explain it like I'm 5: Why is everyone on speakerphone in public? arstechnica.com/culture/2026/0…

@SartorialShootr Finally some sensible analysis without the usual fear mongering!

Security brief from Dubai Plus answering the question ‘should I leave with my family’

@SoNowUknow2 Nope

Anyone over 40, did you ever think the UK could become as bad as this?

@londonHenryGB Why are you doing this to yourself? What is your commute? Don’t you ask yourself sometimes what is it all for?

I am a top 2% tax payer. I go to the office 5 days a week. I don’t choose how 65% of the money I earn is spent. How did we get here?

@robprogressive You forgot about NIC employers side in your tax calculation.. for 100k salary it’s another £14250 employers NI contribution, @robprogressive

@RJKosz @TheDealMakerGuy @LOTPLAirlines @Starlink Yup, wide body plane, full of passengers, free access for everyone, blew my mind really!

@jk_tech_stuff @TheDealMakerGuy @LOTPLAirlines @Starlink Excellent? 😂

LOT Polish Airlines announced that they started installing Wi-Fi onboard their B787 fleet. Installing Viasat in 2026 when Starlink exists is something I can't comprehend. Good luck sending a single email before landing.

@greg16676935420 Buy a dog, make a perfect dog house!

My friend Donna is remodeling her house and wondering what she should do with this space. Any one have any ideas?

@TheDealMakerGuy True, used starlink onboard Qatar airlines - it’s was unbelievably fast!

@stephenhdg @northolt3103 Most of the drivers send half of their salary to their home countries to support their families, they are proud and happy driving customers around providing a very high quality service, always clean and tidy with zero attitude.

@northolt3103 Shes used to the slave taxis of dubai they literally work for nothing

Picked a lady up from 5 Hertford last night, she just left Dubai because She was a bit worried. I dropped her at Wycombe sq and as she was paying the £21 fare she said I can’t believe how expensive black cabs have got. On the journey she said her place was worth 10 million..

@northolt3103 Because they are ridiculously priced, on average salary you cannot afford to use a black cab, unless in emergency, it’s the balance that’s off. If you cannot afford a basic service while working average salary job, you live in poverty, that’s it.