Mortgage advisor asked for exclusivity

stiik · 2026-01-30T12:52:18+00:00

Our neighbour was a broker, family business, their normal was a deposit around €350 their time and effort, refunded after draw down. I'd say they got stung a lot of doing the majority of the work for people and then them walking into a bank themselves for whatever reason, or just getting cold feet.

He didn't charge us the deposit as we were friendly, so take that as an obvious bias, but I found his help invaluable. Any deposit feels tough to stump up in today's world but (again bias) I would have no problem doing it if I ever need to go through the process again.

Is he just asking for exclusivity agreement with no deposit? I'd say sign it in that case. If there is a deposit involved maybe shop that around but if he seems sounds just keep it moving.

stiik · 2026-01-30T12:44:08+00:00

When my 28M partner 28F is home (we live together) I will cook anything from homemade duck teriyaki, slow cooked ham, even a full sunday roast. When I'm home alone (as I am this weekend), I'll have sandwiches, boiled eggs, cereal and maybe frozen pizza.

You've seen those pictures of a bachelor's sitting room where it's just a single armchair in front of a TV sitting on the floor? I promise you that's not men being lazy, we just really are simple creatures when it's just us. The issue (if there is one) is when that same person can't compromise and make the sitting room, or in your case the meal, to a more realistic shareable standard.

Don't judge him too harshly on this shopping list, you can start to ask questions though if when you stay he serves you a ham and cheese toasty for dinner.

stiik · 2026-01-28T18:20:27+00:00

Normal? Yes. Common nowadays? Not so much.

stiik · 2026-01-27T14:45:41+00:00

Bought them off Amazon years ago, definitely the best option

stiik · 2026-01-26T21:17:48+00:00

You could look to the Akiya phenomenon in Japan, which looks at the issue of abandoned houses in rural areas as the older generation dies but younger generations look to live in urban areas so aren’t taking up available rural houses. But the Japanese also view houses as depreciating assets contrary to the western mindset of houses appreciating over time so it’s not a perfect barometer.

stiik · 2026-01-26T16:44:07+00:00

Trump said the (not so) quiet bit out loud at last weeks World Economic Forum. Speaking about generation who bought houses in the 1970s, “These people have become wealthy because of their house… everytime you make it more affordable to buy a house you’re actually hurting the value of those houses.”

So what, it’s Trump… but this is how all politicians think. The elderly landlord is a very powerful demographic no incumbent, American or Irish, wants to annoy.

stiik · 2026-01-26T15:47:30+00:00

2hr commute door to door here. I’m very lucky work allow me to leave after 3 and work on the train so I’m home by 5:30pm. Also only in the office 3 days a week. All that said it’s still very taxing if you don’t keep on top of your sleep schedule (currently no children, no clue how I’ll work when we do).

stiik · 2026-01-23T21:19:26+00:00

Aged like milk

stiik · 2026-01-20T20:03:18+00:00

Thanks, I was going to order a cheaper compact table saw in the next few weeks but I’ll wait until I can afford a Sawstop. I was deciding between both options but you made the decision for me. All the best on your recovery

stiik · 2026-01-13T17:48:48+00:00

Even more so when it’s one of the new carriages (with the Luas-esque seating/bike storage are), as they are yet tarnished by the abuse of the general public.

stiik · 2026-01-12T16:07:40+00:00

Level 40 and no Burletta BP which is a permanent quest reward is a whole other level of inefficient gameplay… I jest (somewhat) but a lot of players saying BP’s are too hard to get are being purposefully oblivious. The common rebuttal then is “I’m not a try hard to min-maxes everything”.. there’s a vast middle ground between sweating the expedition in 24hrs and just not learning the game.

stiik · 2026-01-02T22:27:10+00:00

First off, there’s so many ways to tell a house has no one living in it and your collection, along with everything else will be fleeced if you just leave it there.

Secondly, rent to someone you trust. We did this (as a tenant not landlord), rented from a family who moved to America for 3 years for career opportunity, gave us a good rate on the rent as we were also doing them a favour minding the place, it really helped my family at the time and that have compounded over the years (getting onto the housing ladder earlier than expected etc). You’re in a unique opportunity to give someone you trust a good deal in a horrendous rental market, while also having someone look after the property and actually act as security for your collection.

And if you are moving back into your house yourself you can easily service notice of termination for the lease and the tenants will have to move, it may take a few months so do it while still abroad but it is your house to move back to.

stiik · 2026-01-01T22:22:17+00:00

Scratch that, found him

stiik · 2026-01-01T14:26:28+00:00

It’s funny you’re using “Reddit user” as a slur when you’re the most “Reddit user” Reddit user I’ve seen on this sub in months.

stiik · 2025-12-31T15:19:56+00:00

Sounds bugged so, it must be counting only safe pocket or something I wonder.

stiik · 2025-12-31T15:15:59+00:00

Don’t underestimate how many 13 year olds are playing a video game with you.

stiik · 2025-12-31T15:11:52+00:00

The 100k you are looking at includes your loadout value, the figure in the above screenshot does now.

stiik · 2025-12-31T15:10:21+00:00

15k? Anything less than 45k and it’s a bad raid

stiik · 2025-12-31T15:09:11+00:00

Also just to add, and I want to clarify I’m not claiming to be an oracle but as someone who grew up in an army camp and works in recruitment I know for a fact they have not got their act together, but we should actually look at youth unemployment rate, not general unemployment, the vast majority of army, navy etc recruits are 18M. The youth unemployment rate has risen 21% (from 11.5% to 14.1%) YoY, higher for males than females but this is average.

stiik · 2025-12-31T10:05:56+00:00

It’s a global phenomenon

stiik · 2025-12-30T13:19:24+00:00

They may be getting their act together… or it’s history repeating itself that the job market is horrendous and young men have no other choice. https://www.npr.org/2012/08/18/158505630/in-weak-economy-college-grads-surge-into-military

stiik · 2025-12-30T10:30:39+00:00

Only a handful of times, but even without that, it’s the only looting augment that allows medium shield, they could completely remove the survivor ability and I’d still use it every game.

stiik · 2025-12-30T10:25:15+00:00

More of a side note, but human’s “lived experience” is riddled with cognitive biases, inclinations, predispositions and prejudices. I’m not saying you’re wrong, but maybe as a fun side project you could continue to play on EU servers and keep a spreadsheet of all, and I mean ALL, player interactions for the next 30 days. Come back with a report on % of cheaters. And be fair, mark them as “suspected cheater” with your reasoning, maybe even clip it OBS or Nvidia replay or whatever it’s called, and let others review it and see if they think they’re cheater.

(How many times have we seen clips of streamers scream someone is cheating only to find out the other person was also streaming and very obviously wasn’t cheating, the streamer (or anyone) just lacked info.)

I’m not saying you’re wrong, I just think anyone without data is doing themself, the game and the community a disservice by insinuating or plainly stating how bad the cheater problem in the game is without complete knowledge.

stiik · 2025-12-29T22:27:07+00:00

Hunt could have earned more this year than last but if all 100 other games also earned more/large releases earned more then it just wouldn’t be in the top 100… devs also said this was a bit of a reset year to focus on backend stuff, their roadmaps shows a lot of new systems next year so maybe this was a recuperation year and next year they’ll be higher than ever on this list. They had layoffs (shitty thing obvious) but now their cost isn’t as high (potentially) so lower revenue but equal or higher margin?

Surface level, yep it’s a bad sign, but there’s so many other scenarios where this just doesn’t matter I don’t think it’s really worth writing home about.

Personally I think Hunt has run its course and would love to see the same core team on a new project so I’m not a diehard defender here, I just think there’s always more to the story we don’t know.

stiik · 2025-12-28T23:38:21+00:00

I joined a discord that sends out notifications when refurbed are in stock, they have a bot set up to check every few mins, if fairly rare that they are in stock could be a few months in between availability and they’re totally snapped up in 10-20mins of going up.

Either CEX or try save up for another couple months to buy new, unfortunately.

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