Saturday, April 20, 2024

Returning winter


April 20th in Espoo
Winter turns to Spring slowly in Finland. Last night the snow covered the landscape for the second time this spring also known as "takatalvi" in Finnish. When the warmer spring weather is delayed you often wish to be in a warmer country. Though the winter darkness is already gone and the bright days are long. 

Thursday, March 14, 2024

Investing in real estate occupied by squatters in Spain

I listened a podcast episode by Wall Street Wolverine where real estate investor Pau Antó explains how he deals with squatters also know as "okupas" in Spain. Many people consider owning property very risky in Spain because the local law protects the habitants of the residence. I wrote for example blog post about it called "how to live for free in Spain". Still Antó has invested in real estate properties which were occupied by squatters. He classified squatters in three categories: squatters who see occupying a residence as a right, squatters who do business by occupying residences and squatters who do it because they don't have any other way to find a roof on top of their head.

Antó explained how you have to negotiate with the squatters before you invest in the property. Often you need to pay the squatters some thousands of euros to make a deal with them. You have to be able to trust their word, because legal contracts don't weigh much in their case. In Barcelona there is a valued neighborhood with good location called Grácia, where some buildings have been occupied for years and would interest investors. Still reaching a deal with squatters has been impossible and the buildings remain occupied. For example buildings where there are living squatters from different ethnic groups makes negotiating complicated. For the landlards Antó adivces to always have an insurance in case the tenant doesn't pay the rent.

Sunday, February 25, 2024

Does eating in a lunch buffet help muscle gain?

Last year on March I went to InBody body composition analysis. 9 months later on December, I went to the same analysis to see the results. I kept my training regime the same as before the 1st analysis but I started to eat more by eating in the lunch buffet 3 times a week. Eating enough to gain mass has been a challange for me. The result was that I gained weight 2,5 KG. My muscle mass increased 0,6 KG and fat mass increased 1,7 KG. Which means that the rest of the difference was water. During the 9 month period I would have liked to have longer training sessions. I felt that it would be nice to train more. Basically I ate too much or I should have trained more in order to avoid gaining fat mass. My conclusion is that gaining muscle mass is tough.

Monday, January 29, 2024

Lack of workforce

In the Finnish media there is a discussion going on how workforce is needed in Finland. Many politicians say that Finland needs more immigrants but in the same time there are educated immigrants in Finland who say that how difficult it is to get a job in Finland. Often the lack of fluency in Finnish leanguage makes entering the workforce difficult, especially in the white collar jobs. Reasons what I have not seen discussed in media why Finland is not attracting highly educated and skilled workforce is progressive income taxation and comparatevily low income level. If you are a top earner in Finland you take care of your own house work for example take care of the garden in the summer, clean the snow in the winter, clean your house, take care of your kids etc. In India or in Colombia you might get paid about the same in similar level job but you can afford to pay someone else to take care of these kind of things. One with high level of income can think is it nicer live with benefits of a society with low income level differences or in a society with high income level differences.