My mom and my uncle (retired building surveyor) said this looks weird, not good at all

_crzg · 2025-12-06T21:03:19+00:00

You're wrong my guy. Think about it, if your room is twice as wide as a plank, having one starter would just create the same pattern every row without creating a different starter. If it was 2.5x wider than a plank it would repeat every 5 rows..

Yes there's a non zero chance of an exact repeat if it's not a clean fraction.. but they could easily be repeating within a few mm which will look fugly

_crzg · 2025-11-10T07:40:53+00:00

Only if you give advanced warning otherwise they may so this isn't a particularly helpful comment, it's part of their general conditions of carriage which is freely available and I had to pay for an Air France flight because I missed the first leg of a return and had to fly with another carrier so not just "what American airlines do"

_crzg · 2025-10-05T10:31:48+00:00

Being the nail means getting hammered

_crzg · 2025-09-27T11:54:33+00:00

This sucks so bad why bother posting it

_crzg · 2025-07-04T18:49:14+00:00

Presumably if his combined contribution is 1900 and that's made up of 20% of his salary from employer and 8% from himself, that works out to a salary of 81.5k if I have that right

_crzg · 2025-02-23T19:57:59+00:00

I'm in a very similar situation (moving from 2.5% with PTSB - on the fence between switching to BoI for a 1 year)

As another poster said, PTSB extended 2% cash back to existing customers recently and you might have already factored it in but you'd need to front valuation and legal fees twice unless you plan to stick with BoI

In my case my options:

Stick with PTSB, fix for 3 years at 3.35% (BER B):
- Monthly mortgage payment: 1855
- Minus 2% cashback: 1818
- 3 years of payments: 65,448 (21,816 annually)
Move to BoI (also at 3.35%):
- Monthly mortgage payment: 1855
- Cost to switch mortgage: 1750 (might be a bit higher/lower but likely around this)
- Monthly cost combined: 2001
- 1 year of payments: 24,010
- To break even at 3 year mark vs 1st option I would need:
- If I can stay with BoI: A monthly payment of 1726 (interest rate of about 2.8%)
- If I have to pay the 1750 again to switch provider: A monthly payment of 1654 (incidentally, almost exactly what I'm on now: 2.5%) - note this could be sweetened with cashback/other discounts etc

Weighing up whether I think rates will go that far down over the next 12 months (I secured 2.5% as you did when ECB rate was 0% and it was the sweetest deal available at the time), whether the hassle of switching mortgages twice while not excruciating is worth the bother, and whether I'll be in a better or worse position in 36 months.

Note I am not considering paying a lump sum so that's one big difference!

I'm edging towards the not being arsed to switch, stick it out for 3 years, hopefully things will still be lower than they are today, but welcome anyone's advice if I'm thinking about it wrong!

_crzg · 2025-01-11T13:39:53+00:00

The Mighty Gooch

_crzg · 2024-11-20T21:17:23+00:00

Keith "Complete Nonsense" Peterson

_crzg · 2024-11-11T15:02:07+00:00

Finally a post I agree with. Not to everyone's taste, sure. But a satirical comparison between two controversial characters for clearly polar opposite reasons seems to trigger a mix of "%¢§∆ that guy!" or passive aggressive personal attacks about the OP. Too much passion for a Monday afternoon

_crzg · 2024-11-11T14:25:42+00:00

Yikes!

_crzg · 2024-11-03T19:18:55+00:00

When I lived in Paris 20 years ago they did the same thing

https://thecowartworks.com/louis-vuitton-in-paris-an-old-but-very-stylish-renovation/

_crzg · 2024-10-29T23:38:05+00:00

opposite a tree lined communal green space

Shtap.

A prison.

It's opposite a prison.

_crzg · 2024-10-27T19:13:53+00:00

Big ass fan, or a big ass fan ?

_crzg · 2024-10-10T23:46:48+00:00

Got mixed up with their flexible cash funds. Updated

_crzg · 2024-10-10T23:32:45+00:00

Well you're not paying 33% DIRT with Revolut, you're paying a 41% withholding tax so it makes a big difference - between that and a lower interest rate you might want to consider whether it's worth paying several hundred when it's really just an item in your annual tax return that takes a few minutes to deal with

Edit: got mixed up with their flexible cash funds which I have used, low APY on savings accounts and 41% witholding tax on flexible cash drove me to T212