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It really sucks living in an apartment

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Pretty much the same here, only they don't use snow and ice. LOL
LoL... It's funny you mention that because I follow 27 YouTube channels for outdoors stuff and lots of it is building snow huts, dugout snow caves and hot tenting in the snow in like down to -50F or worse. So... I don't discount that stuff in any way... :D It gets pretty bad some days and the amount of frostbitten fingers and limbs is out of control in our very cold winter.
 
I live in the second most expensive property market in the world (Sydney, Australia), so I've resigned myself to apartment living for the time being :)

I don't get to have a subwoofer, but I love where I live, so I'm not unhappy

Thanks to this thread I learned what a condo is
 
new apartments are 100% ripoff here with paper thin walls
Don't you have Building Regulations in your country that specify acoustic insulation standards?

I live in a new-build apartment and the only sound I ever hear from neighbours is when they slam windows as the sound travels up the frame that is shared vertically between flats. I can play music loudly (my speakers feature twin 12" drivers per channel) and have never yet in 12 years (touch wood) received a complaint.

Before this flat, I lived in a 1912-built apartment block in a posh part of London with thick brick walls (21" thick at my level) so I never heard noise from other flats at my level. Floor insulation was not so great, so the Lease stated that floors must be fully carpeted and in fact very little noise travelled vertically, even though that building was constructed long before the days of hi-fi. In 30 years, I received just one complaint - when I decided to hammer a nail into a wall to hang a new picture - at midnight!

I can't believe that a new build apartment block would suffer from such poor insulation that you and the OP describe, although conversions (from an old single-owner house) into a number of flats is likely to be much more troublesome.
 
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I'm 40, so I'm too old for that now. I'm also on the spectrum, so all my life, I've had difficulties even tho I'm high functioning, I was unemployed for many years and only started working continuously since 2014. I made a lot of mistakes along the way, didn't go to school cause I don't do well under pressure.

I only make 45k a year, which is not enough to buy a house and pay a mortgage including all extra costs here in Florida, but at least, I have a place to live and isn't too bad.

My parents are loving and have helped us.

It could be much worse. The money I save, could be used towards other things. I'm single and will probably never marry, as is not something I look forward to.

I also don't see myself having a kid. I can barely sustain myself, plus, there is a high chance, he or she could be autistic and more severe, I wouldn't like to see him or her suffer what I have in my life, or worse.

I just do the things I like, my hobbies and focus on just being happy the way I can.
With 45,000 euros per year, or 3750 euros per month, a single person lives very well in France... and not badly in Paris!
Income taxes paid, you would have 3350 euros left. Take out private health insurance (we call it mutual health insurance) at 100 euros per month and your health care will almost all be fully reimbursed. Even glasses and dental crowns (but not implants)... And better, when you go to the doctor and pharmacist to buy medicines, you give your medical card (Carte Vitale) and we do not advance the costs... But you have to find a general practitioner and it's not easy: we lack one...
A year ago, I had two stents put in after unblocking my coronary artery: I paid nothing and even the ambulance which took me to the hospital and then brought me home the next day 70 km away was covered by Social Security (compulsory social insurance in France and directly deducted from your salary: each French person pays for others in solidarity)...
And the French who are professional complainers complain all the time...
Yes, here with 3350 euros, income taxes paid, you would be a "cock in dough" as they say here...
 
Gotta be a strange translation...

"cock in dough" sounds wrong.
Funny as hell none the less!
Excellent.

Yes, it's a French expression that has a double meaning: the first one is not pleasant for the rooster... because it is ready to be put in the oven! But in the second sense, it means that he has been well taken care of, that he is handsome, plump, healthy and that he does nothing because he is well taken care of...
A husband who does nothing at home and who has a wife who does all the work without complaining is cock in dough!


In my small town 80 km from Paris, for 700 euros you rent a beautiful apartment in a very recent and well soundproofed residence: the standards are strict in new constructions, also in terms of thermal insulation...
Energy is inexpensive: I pay 320 euros per month for an all-electric house of three floors and 180 m2 and a greenhouse heated in winter of 10 m2... But my house is very, very old: 1690... and even if it has been insulated, it is not the same as a new house...

With an annual salary of 45,000 euros, you have the right to repay a maximum credit of 1,500 euros per month. The current mortgage rates here are 3.5% on average over a 25-year loan period... and this rate is fixed and does not vary over time.
 
With 45,000 euros per year, or 3750 euros per month, a single person lives very well in France... and not badly in Paris!
Income taxes paid, you would have 3350 euros left. Take out private health insurance (we call it mutual health insurance) at 100 euros per month and your health care will almost all be fully reimbursed. Even glasses and dental crowns (but not implants)... And better, when you go to the doctor and pharmacist to buy medicines, you give your medical card (Carte Vitale) and we do not advance the costs... But you have to find a general practitioner and it's not easy: we lack one...
A year ago, I had two stents put in after unblocking my coronary artery: I paid nothing and even the ambulance which took me to the hospital and then brought me home the next day 70 km away was covered by Social Security (compulsory social insurance in France and directly deducted from your salary: each French person pays for others in solidarity)...
And the French who are professional complainers complain all the time...
Yes, here with 3350 euros, income taxes paid, you would be a "cock in dough" as they say here...
I totally get where you're coming from, and yeah, €45k a year is definitely a solid income in France, no doubt about it. That said, I think it’s important to keep in mind that the median income in France is more around €30k, so €45k isn’t quite the typical experience for most people. In the US 45k (dollar) OTOH is below average.

Also, the French state seems to be struggling to keep up with the services it’s providing, and you can see that in things like healthcare access. Plus, with unemployment hovering around 7.5%, especially for younger people, quite a few are moving abroad to find better opportunities.

There’s definitely pros and cons on both sides, and honestly, a lot we could learn from each other when it comes to managing these systems.
 
I totally get where you're coming from, and yeah, €45k a year is definitely a solid income in France, no doubt about it. That said, I think it’s important to keep in mind that the median income in France is more around €30k, so €45k isn’t quite the typical experience for most people. In the US 45k (dollar) OTOH is below average.

Also, the French state seems to be struggling to keep up with the services it’s providing, and you can see that in things like healthcare access. Plus, with unemployment hovering around 7.5%, especially for younger people, quite a few are moving abroad to find better opportunities.

There’s definitely pros and cons on both sides, and honestly, a lot we could learn from each other when it comes to managing these systems.
I was only responding to the author of this topic, @Pancreas who said they had $45,000 in annual income in the United States and therefore put myself in their situation to compare it with here...
With 30,000 euros per year for a single person, we live well in the provinces. Not in Paris, of course, nor in the heart of big cities. In my town, for example, it's good.
Young people who go abroad are recruited into professions which are not precisely those which bring you income of 30,000 euros per year...

PS. The current problem is that of access to city doctors, known as private doctors. It results from political decisions taken around forty years ago in order to limit the number of doctors trained each year... to limit the medical offer from which the French took too much advantage, said the politicians... And of the freedom of facility where the doctor wants it. And so, the countryside suffers from a lack of doctors, because young people don't want to live in a hole... My town is a medical desert... all the doctors are past retirement age... It's complicated... My cardiologist is 80 km away, my opthalologist is 40 km away... but the hospital is 5 km away... and there are 7 eyeglass sellers.

For the rest, access to hospital care remains good despite certain tensions in the summer.
I know something about this having recently been treated and operated on for three very serious pathologies without the slightest problem or waiting time...nor for the heavy care that followed. And my nephew, last year, had emergency triple bypass surgery. He presented himself to the emergency room alone and within a few minutes found himself in the operating room.
There are problems but it works!
And it's free for all serious pathologies: diabetes, cholesterol, cancer, operations for appendicitis without involving mutual insurance...
The model is good... My management by elected officials and successive governments much less so as well as the relationship of the French to what they believe is due to them: we are very demanding and . But that's another story.
And obviously, I'm not giving lessons to anyone, but basically I think that a social system which operates according to the principle of distribution (this retirement system exists in the United States and certain politicians would like to apply it to the medical insurance) is the sign of a society that is equitable because it is based on everyone according to their needs and everyone pays for everyone. And we experienced in France the funded pension system which ruined all retirees and nothing for health: and no one took care of themselves. In 1945, everything changed under the first government of De Gaulle who was not a man of the left... he hated Communism and rejected the excesses of unbridled capitalism.
Countries manage as best they can
 
I have read about and seen some very sticky situations for associations/strata councils and the people that purchase condos. It seems to be a situation prone to issues.
It's an exercise in direct negotiated self governance, something Westerners don't get much experience with. And when the number of units under an assoc/council is large enough to obscure transparency and accountability, its members can even enjoy the rewards of petty power, maleficence and corruption.
 
the flipside is that apartments have strata fees or what Americans would call... HoA - yeah real ho's

and so the 'norm' here is you are paying something like $500-$1,000 $2k every quarter for building maintenance

can get sticky in that there may be an emergency fund raising to complete major construction work

if you live in a high end place with pools gyms lifts concierge then you will pay for that too

if you're a home owner then maybe your water heater goes bang and you need to replace that

and then home insurance! when i was living in an apartment i never bothered with 'home and contents insurance'
True. I recognise all this. We've had three "special levies" in the last few years, and one of our strata managing agents just kept putting their fees up unnecessarily. Now some of our owners who rent out their units (what we call apartments in this part of the world) keeps insisting that our quarterly fees go up even though they are now very high for the size of block we have.

I just consider myself lucky to have anywhere that I can get to work easily from since I can't drive. We should have bought somewhere less affordable when we had the chance. Now I have savings but in terms of housing, they are pretty useless - would have been better with a bigger mortgage. Goes to show, I suppose!
 
There's a lot to be said in that a mortgage is the least you can pay and rent is the most you can pay not sure about other European countries but here in the US along with the mortgage comes all of the taxes and utilities that have to be paid and if some maintenance is needed you can't call the landlord.
 
A year ago, I had two stents put in after unblocking my coronary artery: I paid nothing and even the ambulance which took me to the hospital and then brought me home the next day 70 km away was covered by Social Security (compulsory social insurance in France and directly deducted from your salary: each French person pays for others in solidarity)...
With all the evils we have in Italy, at least healthcare is public and for everyone.
 
I remember reading an interview many, many years ago with the late,great Bob Newhart. He explained that the creators of The Bob Newhart Show originally considered having Dr. Bob Hartley and his lovely wife Emily live in a Chicago condominium, but, Bob deadpanned, "they decided to make it an apartment instead because a condominium sounds like something a guy carries in his wallet."
:cool:

I can tell you that in much of the US in the very early 1970s the notion of a condominium (i.e., buying an apartment) was quite foreign.

Maybe we should just call 'em all flats. :)
 
I remember reading an interview many, many years ago with the late,great Bob Newhart. He explained that the creators of The Bob Newhart Show originally considered having Dr. Bob Hartley and his lovely wife Emily live in a Chicago condominium, but, Bob deadpanned, "they decided to make it an apartment instead because a condominium sounds like something a guy carries in his wallet."
:cool:

I can tell you that in much of the US in the very early 1970s the notion of a condominium (i.e., buying an apartment) was quite foreign.

Maybe we should just call 'em all flats. :)
NYC has condos, co-ops, and apartments. Also residential hotels, and probably many more things.

I’m pretty sure my son has a co-op. My daughter has a stand-alone house.
 
apartment seems an odd locution -- since they're typically anything but apart. Apartments tend to be together.
i.e., togetherments.

Or maybe it's an ironic moniker. If so, individual houses would perhaps be dubbed togetherments.

:rolleyes: :cool: ;):facepalm:
 
NYC has condos, co-ops, and apartments.
Condos, co-ops, and rentals. They’re all apartments. For example this condo currently for sale through Sotheby’s, being advertised at $30 million:
This dramatic transitional floor apartment is located high above Central Park on the 75th floor at 25 Columbus Circle.
 
Condos, co-ops, and rentals. They’re all apartments. For example this condo currently for sale through Sotheby’s, being advertised at $30 million:
Check first to see if the anti-sway pendulum is working.
 
apartment seems an odd locution -- since they're typically anything but apart. Apartments tend to be together.
i.e., togetherments.

Or maybe it's an ironic moniker. If so, individual houses would perhaps be dubbed togetherments.

:rolleyes: :cool: ;):facepalm:
It because in those close quarters you will be living apart from your sanity.
 
Ok, another thread gone because people simply can't resist going there.

For those in the cheap seats ...

NO POLITICS
 
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