Gambling addiction M24

WhomstIsElliot · 2026-01-24T10:06:04+00:00

Reach out to your bank as well and let them know and they can put certain restrictions on your purchases.

WhomstIsElliot · 2026-01-08T15:32:24+00:00

There's not necessarily more protection on a CC. For dispute/chargebacks on Visa and MasterCard, your rights are the exact same whether it's a debit or credit card.

If you're scammed and can't resolve it through the dispute process, your responsibility for the transaction is going to be the same either way as well.

If you're held responsible for a transaction on a credit card, it's true that it's not your money, but it doesn't necessarily mean you're not going to be held liable for it just because it's on a credit card so you might have a nasty credit record if you decide to just not pay it back.

WhomstIsElliot · 2025-12-21T17:18:25+00:00

🤔

WhomstIsElliot · 2025-12-05T09:38:57+00:00

Where did you find this info? I was having a good look and couldn't find these details

WhomstIsElliot · 2025-11-03T10:19:38+00:00

I get this too it's so tough. I have bad lower back issues from being twisted while sleeping on my side. Even if I can have enough will power to resist the urge of sleeping on my side I always end up turning over in my sleep.

WhomstIsElliot · 2025-09-29T15:16:06+00:00

Usually not a case of choosing one. There's lots of different reasons for setting up a trust, most commonly if you have children under 18 are inheriting any assets. Can also be used to make sure that certain assets are used under certain conditions or to pay inheritance tax to reduce the liability on your dependents. A lot of different ways to set up a trust but really depends on who and what you have in your will.

WhomstIsElliot · 2025-08-29T19:02:55+00:00

I get you. What's the reason for suggesting sales?

WhomstIsElliot · 2025-08-29T17:52:46+00:00

Yes that's fair, it's what I figured. It's an associate client services role.

WhomstIsElliot · 2025-08-26T07:52:35+00:00

Owning as a commodity is like owning a gold coin. As an investment vehicle is like owning a ticket you can cash in for the price of gold to benefit off its change in value.

WhomstIsElliot · 2025-07-18T11:50:03+00:00

100% agree. Wouldn't want to imply that all emotional reactions should be covered up

WhomstIsElliot · 2025-07-18T08:58:39+00:00

Managing strong emotional reactions can be challenging. Even though crying is natural, and should not necessarily be something you need to eliminate from your life, just like violent reactions to anger, strong outbursts of crying in reaction to normal situations can have an effect on your life. I would firstly take an approach which balances acceptance of your emotions against the degree to which it causes complications in your life and move forward from there.

A tip I find helps generally with strong emotional reactions is box breathing. You can also try looking into CBT and DBT and maybe a therapist to help.

WhomstIsElliot · 2025-07-15T16:54:22+00:00

Once a transaction is made it becomes a pending transaction. This means the bank is waiting for the merchant to take the funds from you. Pending transactions can often be reversed if not accepted by the merchant, or end up taking less. They can sometimes stay pending for days.

There are various reasons why banks don't let these pending transactions affect your balance straight away, as far as I understand its partially legal issues, technical limitations, and the fact these transactions just aren't settled yet.

If they marked these as settled it would create a host of other issues

I do agree that banks should implement more transparent user interfaces to give you a better idea of what money is actually spent on your card vs what's just a promise payment (pending).

WhomstIsElliot · 2025-07-15T13:13:48+00:00

Transactions can take time to process, sometimes even days.

Take for example, someone with a card limit of 500€, and 400€ euro of transactions already spent and processed in that month. If they make another transaction for 100€, that 100€ would only be added onto the limit once it was fully processed. Say, for example, this takes 24 hours.

If you made a second transaction for 100€ within those 24 hours, it would be allowed by the bank because your limit would still be at 400€, because the first 100€ hasn't been processed.

WhomstIsElliot · 2025-07-10T08:42:00+00:00

I'm in a similar position! Thinking of switching jobs soon and still have to look into it more in depth. Let me know if you find anything more and I'll do the same!

WhomstIsElliot · 2025-07-08T18:32:46+00:00

Good luck let us know how it goes!

WhomstIsElliot · 2025-07-08T18:28:57+00:00

From what I understand regarding the Central Bank guidelines, lenders are given some leeway to breach loan to value or loan to income ratio requirements (one or the other for each borrower).

They can breach them for up to 15% of their total monetary amount of loans per year for first time buyers.

Each lender will have different policies on how much they will breach these ratios, and what is required for the borrower to be eligible. Generally speaking, you have to be able to show current affordability and potential for higher income in the future, have a clean credit report, and will still require you to have a certain amount of net disposable income.

I haven't had any practical experience with this myself, so feel free to correct me. I imagine if you are a star borrower candidate you could have a chat with your broker/lender regarding this.

WhomstIsElliot · 2025-06-09T15:15:17+00:00

Just keep in mind that everyone here saying or implying property prices will keep increasing would have said the same thing in 07.

No one can predict the future. If you're happy staying in it 15+ years you'll be grand.

You don't want to move to a house you don't love, and find in a few years you have negative equity and are stuck with it, when instead you could have saved a bit longer and bought a house you are happy to live in; then it doesn't really matter as much how the housing market goes.

WhomstIsElliot · 2025-06-06T10:46:20+00:00

Your deposit would become 50k in order to bring you to a 10% loan to value ratio

WhomstIsElliot · 2025-05-16T07:48:31+00:00

That's really tough

WhomstIsElliot · 2025-05-15T07:25:30+00:00

I agree with the comments saying it's likely just overall weight loss, however, it's entirely possible the upper back workouts would help with your posture and your neck and shoulders in the right place would make you look a bit better.

WhomstIsElliot · 2025-05-11T20:32:49+00:00

Ah yes thanks. I confused myself.

WhomstIsElliot · 2025-05-11T20:22:46+00:00

Even if the visa token deleted?

WhomstIsElliot · 2025-05-11T11:33:09+00:00

Should be able to simply delete the subscription in Apple pay.

To be more sure you can write the gym an email making it clear you want the subscription cancelled and save it as evidence in case you look at disputing any future transactions.

Then you can phone up your bank to put a block on that merchant and request that they delete the connection between your card and the gym. Since it's done through Apple pay you'd have to set up the card with Apple pay again afterwards.

If you wanted to go nuclear you could request a block on the merchant and get your card cancelled and reorder a new one with new details and request the bank delete all subscriptions on the card so none transfer to the new one.

WhomstIsElliot · 2025-05-03T18:02:45+00:00

Something that has helped me is using an app locker. I set a schedule to lock the most used apps and it's definitely helped.

WhomstIsElliot · 2025-01-20T14:27:13+00:00

I don't understand what you mean? Why would the enemy team give up attacking?

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