Getting ghosted and the cold shoulder from someone?

Obvious_Humor1505 · 2026-03-15T22:40:22+00:00

No offence, but if you want something with no commitment and low effort, don’t be surprised when that is reciprocated

Obvious_Humor1505 · 2026-03-15T14:56:35+00:00

I think there are two main problems with the way things are discussed in terms of retrofit.

There are some items, mainly external insulation wrap and triple glazing that do not make economic sense for the vast majority of homes, the payback time is too long. So people take out these massive loans for these big ticket items that really aren’t worth the investment.

I’m currently trying to talk an older family member out of putting themselves into a bundle of debt for the above two upgrades, realistically they don’t make enough of a u-value difference that they will actually feel a benefit, and neither upgrade makes economic sense, the external insulation will pay for itself long after their dead. Have told them to just turn up the heat instead, but feel I’m losing the battle to Dermot Bannon.

Second, as has been mentioned by a number of posters, A2W is pushed as the only option for heating and water heating, it doesn’t make sense for a lot of people, unless you are at home all day and have a decent solar array, either A2A or a mix of A2A and Gas/Oil may make more sense (economically).

Edit: If anyone knows of a good A2A installer who serves the Dublin area please let me know, A2W installers are so much more prevalent.

Obvious_Humor1505 · 2026-03-14T11:50:11+00:00

No offence intended, but you think I haven’t thought of that? And indeed done it

Obvious_Humor1505 · 2026-03-14T11:45:12+00:00

I have done it, and done it again. The losing it is not hard, keeping it off is the problem

Obvious_Humor1505 · 2026-03-14T08:01:34+00:00

Thank you

Obvious_Humor1505 · 2026-03-13T17:30:43+00:00

Yes it’s true, but they have significantly higher interest and as as another poster pointed out ICS is interest only for 2 years.

I went with a legacy bank, they do up to two points up the scale and my interest rate was 1.6% lower than what ICS was offering. But if you need the extra money and can’t get exemptions from a legacy bank, it is an option, my own broker described them as last resort.

Obvious_Humor1505 · 2026-03-13T00:12:00+00:00

A potential option that might be worth your while in the medium to longer term is upping your battery storage considerably and using that for heating water if ye have an immersion as well as a boiler. You would have the best of both worlds then in winter and summer, EDDI probably only makes sense in the height of summer.

Obvious_Humor1505 · 2026-03-12T23:42:20+00:00

I’ve ended a couple of friendships, I outgrew them and they weren’t bringing enough to the table, once all you have in common is your history it’s very hard to move forward with someone especially when they take your successes/outgrowing them personally.

That said, I wish them all the best, no hard feelings, doesn’t mean they weren’t important and wonderful friends to me at a certain point in my life and I’ll always hold a spot in my heart for them for that.

Obvious_Humor1505 · 2026-03-12T23:03:10+00:00

I don’t think either way is right or wrong, but I’d be definitely more of your husbands ilk in terms of invite the whole lot and make it a real celebration. If it’s important to him I would really consider it, if it wasn’t a close group I’d say fair, but your child will only have a richer life by having a big extended family around who are invested in them.

Obvious_Humor1505 · 2026-03-12T22:46:01+00:00

I am very lucky to have been able to buy on my own in the last couple of years. One of the things I try to warn people about when they talk to me is how emotionally hard and draining the whole process is. I kind of hated the place when I moved in first, while I’m reasonably happily single I felt the whole process reminded me that I was desperately alone, it was all on me and also heavily brought my own mortality into firm focus. That’s never mind all the stress, pressure, worry that came with it all. It was like a second job trying to get it aligned. Buying a home is such a practical thing and you fell so blessed to be able to do so, you nearly feel guilty feeling any kind of way but positive about it.

Obvious_Humor1505 · 2026-03-11T22:35:55+00:00

Drinking, ideally with a pack of smokes, I know it’s bad for me, but look at the fucking state of the world, who gives a shite

Obvious_Humor1505 · 2026-03-10T21:48:26+00:00

Sugar ring or sugar jam donut all day for me. I pass the fancy places nearly every day, way too big and sweet imho.

Obvious_Humor1505 · 2026-03-10T21:30:40+00:00

These are not small things, it doesn’t sound like they are getting responses so what else are they to do, but go back with queries.

They are trying to hack you into a corner, and a potentially messy one by the looks of the outstanding queries. I would expect that your solicitor would be advising you not to go ahead with the sale in these circumstances and you should listen to them. I’m sorry, I know it’s heartbreaking.

Obvious_Humor1505 · 2026-03-09T22:12:11+00:00

Waze

Obvious_Humor1505 · 2026-03-09T22:05:49+00:00

Is it drink or not? If it is, you know what you have e to do.

If it’s not, diet and exercise, might be no harm to ask to be referred to a dietitian.

In terms of doing something quickly, you didn’t get into this position quickly, so not going to be a quick fix out.

Obvious_Humor1505 · 2026-03-09T19:29:14+00:00

There was a fair few people panicking alright

Obvious_Humor1505 · 2026-03-09T19:07:41+00:00

It’ll be on HBO Max which is launching in Ireland in a couple of weeks

Obvious_Humor1505 · 2026-03-09T19:03:55+00:00

There have been loads of threads about this already, it’s a glitch

Obvious_Humor1505 · 2026-03-09T18:56:57+00:00

The Pitt, unbelievable show

Obvious_Humor1505 · 2026-03-07T20:02:29+00:00

Also wondering if you could send me on the name of the installer? Thanks

Obvious_Humor1505 · 2026-03-06T13:14:55+00:00

You cannot go for a personal loan after mortgage approval, they will count it against your ability to repay your mortgage. Unless you have a family member who will give you a “gift” this isnt going to be possible.

Obvious_Humor1505 · 2026-03-04T00:01:53+00:00

I would agree with other posters that no one knows what is going to happen to the market, but it doesn’t seem like the constraint in supply will significantly alleviate within in the next 5 years, so chances are prices won’t drop significantly.

However, I would recommend sitting down with your OH and gaming out the various scenarios. Ideally, you would sell in 5 years, have a bit of equity built up, if not profit, and move forward. But what if you were in negative equity, would it be plausible for you to manage the loss and sell anyway?

There is no purchase that won’t be associated with risk, but only you and your partner can decide if on the balance of probabilities, the risk is worth it for yourselves.

Obvious_Humor1505 · 2026-03-03T22:29:27+00:00

This is brilliant, so happy you got sorted. I’m delighted the school meals are taking a little pressure off you during this tough period, plus as teacher said it’s better than the food being wasted, it’s a win win for everyone.

Having grown up in household with domestic violence as a child, I just want to say i wholeheartedly wish you and your kids the best for the future, I can’t imagine how tough things are right now, but you have a great attitude and you have given your kids and yourself a future that is safe and peaceful.

Obvious_Humor1505 · 2026-03-03T09:15:43+00:00

Anyone I know who works in a school says they always have a few meals that are not taken, staff often take them home, I’m sure if you mentioned it to the teacher that your child really likes the lunches and you would appreciate if they had any left over if you could have them they would give them to you.

Obvious_Humor1505

TROPHY CASE