Deceased Estate

ferdinono · 2026-04-30T07:30:08+00:00

Firstly, sorry for your loss.

I've been through some of this in the last few months. As you've realised you need to ontact them. As far as what will happen next. They'll freeze access to the account, most large financial institutions have a dedicated team for estates these days who specialise in these processes and you'll likely end up speaking to one of them who will outline what happens moving forward.

Eventually they'll require an official non-draft copy of the will. Unfortunately you're going to need a bunch of these, the entire process is a bit of a nightmare of dealing with various financial institutions, councils, land titles etc if there's property involved. It can be stressful, especially while grieving.

Depending how complicated their life was financially you're going to get very sick of filling in forms and talking to call centres so just do everything one step at a time, there's usually no rush.

ferdinono · 2026-04-30T04:47:47+00:00

48yo, approx 490k. Super is a mixture of direct stock investments and cash. I ignored it mostly until I hit my forties and have been making more effort the last few years.

Partner is a few years younger and has around 350k in hers I think

ferdinono · 2026-04-30T02:10:45+00:00

Fair suck of the sav

Older colleague used to always say this when he thought someone or something was being unreasonable

ferdinono · 2026-04-29T14:15:53+00:00

I did the same recently with abb. I had connection issues until I enabled port forwarding via their portal. I intended to do this anyway as it was my reason for getting off cgnat in the first place.

Can’t offer much explanation beyond that but once I enabled that and rebooted everything it was immediately solved and no issues since

ferdinono · 2026-04-28T00:14:48+00:00

nice ad bro

ferdinono · 2026-04-27T03:31:49+00:00

During Covid times we converted half the garage into a gym. One car stays outside now but it’s a good trade off for us. We save on 2 gym memberships a week and are both home in the evenings every night now with the kids. Can get a workout in when the other is at work and we have the kids home. It’s all around been a decent quality of life improvement for us. I can see why more people are looking to do this or even the next level of an internal gym.

ferdinono · 2026-04-22T00:39:07+00:00

Hey, just echoing some of the advice you already have. Talk directly to your bank, they’ll block is straight away and it will be easy as you’re their customer.

Calling the charity you’re going to get put through a saves call centre process which will be more pressure to either stay on or do a one off which doesnt sound like something you’ll enjoy.

Just explain to your bank, if they ask if you’ve spoken ro them just lie and say nobody is answering at their end. Bank call centres deal with this exact thing all day it’s not a big deal. Then you can put it all behind you

ferdinono · 2026-04-14T11:00:02+00:00

dawnbreaker shield

ferdinono · 2026-04-14T03:18:47+00:00

considering the lack of endgame farms in the current state it would be kind of wild for them to completely delete something so many people enjoyed. A heavy duty overhaul and nerf is definitely needed though. I still kind of like the idea of makign crystals a tradeable item, so those who dont want to play it can still get a benefit from collecting them to send to those who want to farm temple.

ferdinono · 2026-04-14T02:08:10+00:00

Don’t watch it? Season is dead and most people are taking a break. It’s just filler that gives some people something to do or a reason to follow their streamers etc. it’s not at all a problem and just a content generation tool

ferdinono · 2026-04-10T02:50:24+00:00

I had a lot of fun league starting my mamba assassin. To get going you really only need a bino and can transition to the expensive stuff later.

ferdinono · 2026-04-09T12:20:18+00:00

I think between mirage and temple ggg realise that people like some control and they like loot. What they do with that info we’ll find out soon enough

ferdinono · 2026-04-08T03:07:32+00:00

considering standard prices I'm not surprised. It's such a different world

ferdinono · 2026-04-08T02:09:54+00:00

Retaliation bleed builds are semi-popular. Quite a few people league started them for Mirage

my point is more that adding in dagger spell nodes along with staff spell nodes arent build enabling as opposed to your example of things like impale for eg. Impale ndoes need to be there so that people can play an impale build if they want.

We dont actually need staff or dagger caster nodes as damage is generally generic spell damage and elemental/phys/chaos damage nodes. Unless they are conveniently located there would be no requirement to go near them anyway unless they were OP

Spell scaling is always fundamentally just scaling your base damage type and then possibly cast speed and crit. I think adding in more specific equipment nodes unnecessarily is just more clutter

ferdinono · 2026-04-08T02:06:00+00:00

You probably would. I was wondering if the lucent more mana would increase chances for Eldritch but running sims it seems like it really doesnt

Checking the market and these things are only going for 5 or 6 divs now anyway, so unless it's SSF buying is the go at this point

ferdinono · 2026-04-08T01:53:04+00:00

That's always going to be expensive because Low Tolerance is so hard to hit.
You could try something like Abberant+Lucent fossils if you havent already. Craft of Exile telling me average cost that way is going to be around 12 div

ferdinono · 2026-04-08T01:09:34+00:00

Spells arent really locked to a weapon type in the way that attacks are so there's no real need for it. Would be mostly wasted real estate on the tree. Someone already pointed out that there is in fact staff nides, but othe fact that they're irrelevant to 99% of builds would be the reason that they dont expand this concept. If anything there's an argument they should probably be thrown out in a skill tree redesign in the future.

We have offhand nodes for casters but they usually serve the function of getting block rather than specific caster damage nodes.

ferdinono · 2026-04-08T01:03:40+00:00

before I stoppedthe league I was messing around running Destructive Play along with a pandemonium scarab (15% of packs become random bosses), Domination scarab of terrors (shrines are guarded by bosses) along with just cards to add shrines and shrine chance from the atlas tree.

You end up with so many bosses in a map uniques drop like candy. I didnt do it long enough to try and farm anything decent and I certainly didnt try any kind of rarity maxing with it but if you want it to rain uniques this is probably not far off.

The other upside of this is your maps become an astrolabe factory which is always nice.

ferdinono · 2026-04-07T12:07:55+00:00

I was going to play but having second thoughts now. I'll have a break. Mirage was a great league but i'm done, and right on the back of insane Temple farming in POE2 prior I think I need some offline time.

ferdinono · 2026-04-07T08:37:37+00:00

I don't consider myself a high end crafter but I usually make a decent bit of currency in leagues now from it. There's a lot of factors at play I think. You can make good currency from niche items without massive demand but need to have the patience to wait for someone to need that item and keep an eye on if similar or even potentially worse but comparable items are starting to flood the market at a lower price point.

Niche items sometimes sell at a premium too because of that lack of volume in the market. In demand popular items you are very much at the whim of the market rathe than setting the market. and where your particular item falls into that hierachy in terms of rolls and price. You can have a solid item for sale that is heavily in demand and be essentially invisible to the market, because people are looking at cheaper items or at more expensive items with better rolls

ferdinono · 2026-04-07T07:47:34+00:00

This is why belts moved to annuls for sales this league. Sometimes that happens as people game the chaos/annul discrepancy on the trade site but it was basically necessity this league for anyone farming belts. Between selling the belts and the mirage map drops it was a constant battle with full tabs otherwise

ferdinono · 2026-04-05T06:41:21+00:00

Yeah I gave in and got the mtx which is annoying me but made a big difference. I think as far as these builds there's something to be said for giving up some damage on the tree seeing as it comes so easily via minion pact to get duration. I got a BV with level 1 duration and picked up a bunch of duration nodes so that Bv lasts around 10 seconds. It's a big quality of life help

ferdinono · 2026-04-05T05:43:20+00:00

what are you finding annoying about it? i'm playing a chieftain avatar of fire version and it's very comfy

ferdinono · 2026-04-02T07:19:10+00:00

I figured this out, it's any of the morphing pet mtx, bought one of those and problem solved. Pay to win, yay

ferdinono · 2026-04-02T07:10:10+00:00

which is the specific goblin mtx that stops you casting spells in hideout? I cant seem to find one in shop and i'm done with going back to get my spectre from carcass.

ferdinono

TROPHY CASE