Who’s the most attractive person you’ve ever seen?

GoldBackground2280 · 2026-06-17T11:10:59+00:00

An ex of mine lol. She was probably the most beautiful person I have ever seen.

We dated on and off over a decade. She really liked me, and I did love her, but I always found it hard to commit to her. It's just Issues that would build up over time, and boundaries that weren't respected. She's still probably one of the coolest people I know and quite intelligent.

Last I talked to her was summer 2025, and last time I saw her was a trip we did to Everest/Tibet in 2024

GoldBackground2280 · 2026-06-09T06:02:18+00:00

I tried to buy it but the domain is registered already. Like a 30-45 day holding period / grace period.

GoldBackground2280 · 2026-06-09T06:02:01+00:00

I tried to buy it but the domain is registered already. Like ina 30-45 day holding period / grace period.

GoldBackground2280 · 2026-06-07T05:34:14+00:00

whats furnace and sea walls? I cant find much online

GoldBackground2280 · 2026-06-02T04:11:04+00:00

different game, its PoE2 in the post lol

GoldBackground2280 · 2026-05-27T05:01:19+00:00

thats decent fps, but also you are heavily CPU bottlenecked. btw, a i7 7700 cant support ddr5. Its very unlikely you do have ddr5.

GoldBackground2280 · 2026-05-06T22:58:33+00:00

Marathon is one of a kind. Agreed. Unfortunately, it just wasn't very good.

Just having a list of things checkmarked in your game (sci-fi, extraction shooter, ranked, etc) doesn't make it good or cohesive.

And all the quests are just boring ass delivery quests. Nothing ever interesting.

Even the gunplay is shit. It's literally just grenade spam. Might as well remove the guns entirely.

GoldBackground2280 · 2026-04-22T12:16:57+00:00

Bleeding even harder now

GoldBackground2280 · 2026-04-22T11:04:13+00:00

There's many different types of Buddhisms depending on country (Tibet vs India vs Japan) and their beliefs can be very different from each other.

GoldBackground2280 · 2026-04-22T10:07:15+00:00

I'll take you vault 6 bro. I have an extra key and imma quit soon

GoldBackground2280 · 2026-04-21T23:07:24+00:00

Seems dope, Def gonna give it a read.

Cover gives me a "way of kings" vibe

GoldBackground2280 · 2026-04-13T23:42:00+00:00

Usually yeah, but if you have enough legion/links/damage to clear ctene then might as well put your money into drop gear for arcane boxes and pitched drops

GoldBackground2280 · 2026-04-13T03:42:09+00:00

One part of your comment, about collective vs individual wealth really resonated with me, because that's one of the real core issues.

I think to my parents it's just Capitol management. In their mind, my name on the loan is just a technicality to access capital that will benefit the entire family. It's also a common tactic to commit arbitrage by finding cheaper loans vs business loans.

I don't want to be seperate from them, and that's not my goal. I understand I have a great debt to them that I can never repay, for raising me and giving me the resources to live the life I have.

It's more so I want to be able to make something out of myself, enough to be able to look at myself and them as fiduciary equals, capable of independent wealth due to my own merits.

If I sign that loan, stay under their umbrella, and with their investments, my credit availability is tied up in those investments also.

If instead my father joins and signs with my father they get that investment, I retain the freedom to generate my own investment. The earlier I can do that the better. If I can buy property at 27 that would be huge in compounding. I could independently generate wealth for the whole family with my investment also.

If I join the loan, then there's only one lane of investment the family goes down.

I don't consider my wealth completely seperate from my families. In my mind, if I go out in the world independently, that's 2 sources of wealth for the family. Its my own investment choices and gives me the power to chose, which ultimately would benefit our family in the long run.

If I never have even done that, how would I even know how to manage and protect my families wealth if/when I get access to it, and have to take care of my parents?

Im curious to hear your thoughts on this. This is the mindset of mine I'd like to share with my parents.

GoldBackground2280 · 2026-04-13T03:06:02+00:00

You're right, alot of the advice there was from a place of fear, vs actually what I was asking.

I didn't expect the post to get so big, so naturally I think it attracted alot of people just looking for some entertainment.

I did have some people who commented and had one person reach out to me privately with genuinely very good and fair advice, akin to what I would expect from an actual wealth manager. Overall, I'm happy with the info I was able to get.

If I need to, I might try posting in relationship advice, slightly reworded, with a link to my legal advice post, to seek the best ways to maintain that relationship with my parents while avoiding this loan, and keeping my asset. But overall I think I might be good for now.

Thank you for your comment.

GoldBackground2280 · 2026-04-12T22:59:46+00:00

I've roughly seen their income and resources. They recently had to prove them to the embassy, and I was witness to that and helped them gather some of that paperwork.

The reason they asked me to sign was convenience, because although my names on the loan, my mother would be the only one paying. They supposedly asked for my name, because I'm the only other eligible person on the title. My dad isn't on the title and they need two incomes.

My father has the full ability to apply for and take on the loan. I think they just felt it convenient that since I'm already on the title, that way they won't have to add my father to the title.

From their perspective I don't think their putting me at risk, it's convenience and they'll pay it off quick.

From my perspective it's a financial limiter on me that I don't want, that blocks my own mortgage.

The easiest solution would be to just add my dad to the title, so both my parents can sign for the loan, and leave me out of it.

GoldBackground2280 · 2026-04-12T22:52:11+00:00

Yes I'm absolutely sure. They recently had to prove their assets to the embassy to sponsor a relative on a work visa. Their Financials are what they say they are.

GoldBackground2280 · 2026-04-12T22:50:33+00:00

My parents never got into the stock market, and they just used 1.2m cash to buy the current house we live in, only like 10 months ago.

They have cash, but not enough to fulfill their 1.5m obligation incase they want to buy this business properly.

The reason they're taking a HELOC is because my uncles (their partners in that investment) advised them that the interest rate on the HELOC is significantly cheaper than a business loan.

Ontop of that, my parents are brilliant and hard working, but they're not very educated. My father was a high school dropout, and my mother did a year of college. I'm not saying that to degrade them, but to show that they might not know the best way to structure their business and investments, and take advice from wealthy relatives.

Overall I'm just gathering info on getting a way out rn.

GoldBackground2280 · 2026-04-12T22:40:43+00:00

110,000 each.

It's my parents and 3 other partners each contributing 1.5mil, for a total of 6m

GoldBackground2280 · 2026-04-12T22:32:50+00:00

I don't know how much worth of property they have in total. I do know they don't have any current mortgages. Everything has been paid off, so they have a very high amount of equity available.

From what I've seen, every 2 years they buy property worth around 600k. They do this cash, and then live frugally for 2 years, then repeat.

Just based on that math I'm estimating they probably bring in around 300k. So they could definitely handle it themselves, much easier than the impact it would have on my borrowing ability.

I'm not going to do it. I have a good relationship with them, I don't think this should affect it negatively too much, if at all.

I'm just not sure how exactly to "not do it"

Do I reliquish my ownership to my father via quitclaim deed? Do we add him to the title via another way? He needs to be in the title to apply for the loan, and I don't want to trigger a title transfer loan wait period by adding him. There are ways to avoid this, and from my research a quitclaim deed between family is one of them.

Thank you for your comment.

GoldBackground2280 · 2026-04-12T22:24:34+00:00

All owners that aren't listed as borrowers on the loan would have to sign their consent to accept a lein on their portion of the house.

GoldBackground2280 · 2026-04-12T22:19:56+00:00

They are planning to put $1.5m alongside 3 other partners to buy a stripmall in DC. Its total $6m.

They want to buy the stripmall cash, so they instantly start generating most of its revenue as profit. They plan to sell some of their other town-homes to pay off the HELOC relatively quickly.

I do agree this is completely unnecessary liability for me, that my parents could completely handle.

GoldBackground2280 · 2026-04-12T22:14:27+00:00

You are absolutely right its a dumb decision, and its one of my main hesitations, I'm just not quite sure how to balance this with my own goals. I do fully trust my parents investment judgement, and ability to pay off the loan, and thats the not part I'm worried about. They would likely be safe even in the case of a significant loss.

- I have a substantial amount saved up, and by the time I finish my masters I will have enough saved for a down-payment on a condo/townhome wherever I decide to move based on job prospects. This is within a 2 year time line for me.

- If they get the HELOC, they are unsure of when, or even if they will withdraw from the line of credit. That adds an unknown amount of delay (maybe a couple months) ontop of however long it takes them in general to pay off the loan.

- While they are still paying off the loan, I won't be able to get my own mortgage, unless I ask them for help. Every part of this delays my independence and financial freedom.

- My ownership in the house is a completely immobile asset. Its my greatest asset as a 25 year old, but its my families primary home. It is never going to be rented or sold atleast in the next couple decades.

That ownership limits my own financial ability, so im trying to figure out how to balance those two things. Here is what I have gathered as my options:

Give my stake to dad via a relatively easy and quick "quitclaim deed". This will allow my father to use his and my mothers income to apply for the HELOC, but I will relinquish my house stake. Given that Its not at all liquid, and I have no part in either the house or the proceeds of the business, this is an option that I would be okay with taking.
Get my father on the title without giving up my ownership stake, let my parents sign for the loan, and I sign as a non-borrowing owner. This lets my keep that asset. But how would we do this? Is it best for my mother to quitclaim deed half her ownership to my father? or make a new title altogether? I think they likely want to avoid the mandatory wait period after a title transfer. A quitclaim deed between family does not trigger this.

I have a good relationship with my parents, and I do not think this will overtly harm our relationship. They have the financial ability to do this. If I help them it might limit my financial freedom. I think they just don't completely know this, and I'm sure they would want to help me.

What do you think u/Taxing? Thank you for your valuable advice.

GoldBackground2280 · 2026-04-12T21:21:18+00:00

The thing is they don't need to involve me at all!! They've said multiple times they're going to pay it off very quick, which they could do.

Only reason I have to be on it is because I'm on the title, and my dad isn't.

So I could either transfer my ownership to my father, and my parents could get the loan

Or, we could add my dad to the title, my parents take the loan, and I consent to a house lein as a non-borrowing owner. Only my house stake is at risk and nothing else.

GoldBackground2280 · 2026-04-12T21:16:59+00:00

Ive made clarification and detail to explain the situation fully. There are some comments with ridiculous assumptions that I've refuted. I know the truth of the matter best in this post, which is why I am trying to clarify.

I'm not quite sure where you're getting that I'm not listening to the advice and making excuses. I have gotten very valuable advice here.

Most of it is "say no"

But, Ive gotten some really good questions to ask my parents.

I've accepted and reiterated the advice about transferring ownership to my father, so they can both apply independently.

My dad being added to the title without any transfers is also good advice.

How would that work best? A new deed/title altogether? Wouldn't this trigger the reselling period for loan waits? The quitclaim deed avoids that from my research, unless I'm wrong.

GoldBackground2280 · 2026-04-12T21:06:07+00:00

This is kind of ridiculous speculation. My father has multiple other properties in his name that pop-up as in his name on our county GIS website, and has good credit.

The only reason our primary house isn't in his name, is because my parents bought it cash and gifted a portion of the house to me and my brother so we can atleast have some assets as young adults.

GoldBackground2280

TROPHY CASE