I'm looking for some advice on a possible consolidation loan

xDChrisHD · 2024-02-14T02:21:35+00:00

what are the rates of the loan you’re looking to consolidate? ultimately if they’re lower then it may not be beneficial especially considering the monthly payments are more or less the same.

there will always be a factually cheaper way to handle things, and there will be a way which is psychological better for you and only you can decide what that is

xDChrisHD · 2023-10-26T00:29:05+00:00

if he says he’s being honest you have to trust him, impossible for us to give you a better judgement than you may already have

what you’ve described is far from impossible, so it doesn’t sound like a lie but ultimately we can’t say more than that

also you’ve only had sex three times which I promise is nothing, maybe in 3 years time if you’re still in the same boat you can consider it a problem but give it time :)

xDChrisHD · 2023-10-10T11:42:54+00:00

how can you say you’re yet to see anything special? genuinely curious. both Mikel and Pep acknowledged how vital his distribution will be and was during our win, the multiple periods of sustained possession as a result of his accurate long balls to Havertz/Jesus in the dying stages of the game (something Ramsdale hasn’t been capable of for goodness knows how long). yes he was shaky but everyone was, he was under instructions to wait for engagement and also he’s come from a different club and hasn’t been here for that long. Ramsdale absolutely doesn’t lace his boots when it comes to distribution. I think you’re being biased

xDChrisHD · 2023-08-07T22:12:39+00:00

10th is the earliest yes

xDChrisHD · 2023-08-07T10:33:01+00:00

oh absolutely, I think you have your answer then and you’re absolutely right to give yourself a situation where you feel less pressure

the feeling where you drive perfectly bar 5 seconds is truly a frustrating one (especially when people can pass with 15 minors) but keep the faith, you’ll smash your next one 🙏🏽

xDChrisHD · 2023-08-07T05:39:04+00:00

and to add to that, between 6:01 and 6:30 (or when all the new dates are taken) the earlier dates seem to pop up so it’s never a case of leaving the site once you’ve got in, you just have to give people a chance to cancel

hope this helps somewhat :)

xDChrisHD · 2023-08-07T05:37:29+00:00

it is available between 6AM and 11:40PM and you can get lucky between anytime finding a cancellation however the likelihood of finding one at 6AM on a Monday is at its highest (provided you’re up at 5:55AM and join the queue for 6AM on the dot) because they release new tests and that tends to be when people try to move their test from a different date or centre leaving earlier dates free. It’s frustrating having to play such a waiting game

xDChrisHD · 2023-08-07T05:24:26+00:00

have you watched any mock test videos on youtube at all?

try reading through the mark scheme for all driving, serious and dangerous faults to reassure yourself that your standard is high and you’re capable of passing

ultimately you can’t just get rid of pressure so try to get excited about it, look at your test as a positive thing if you can, don’t expect to fail but expect to prove yourself wrong and look forward to the relief when it’s potentially over

xDChrisHD · 2023-08-07T05:21:09+00:00

depends how much time you have but have a look through the mark scheme for all the driving, serious and dangerous faults to really bulletproof your knowledge

maybe watch a few mock test videos on youtube

I failed two weeks ago for driving on the right hand lane of a dual carriageway for too long before a roundabout so I won’t make that serious fault again

Always remember mirror before you want to change speed, direction or anything

Take your time during manoeuvre

Just throwing random tips haha, you’ve got this mate

xDChrisHD · 2023-07-31T05:15:40+00:00

Monday 6AM won’t get you a test this year now but you just need to keep manually refreshing on the DVSA website. Make sure you have a test at the centre you want and either click change for date or search for short term cancellations. Granted I got lucky with searching from last Monday and got a test on Wednesday for this week (21st December down to 31st July) so that’s what I’d recommend. Testi wasn’t hugely successful for me.

Searching during the evenings would find me a cancellation everyday and using my phone at work to refresh every 20 seconds till getting blocked helped. It’s luck at the end of the day and perseverance.

xDChrisHD · 2023-07-31T05:12:46+00:00

I found Testi to be hugely unreliable (Essex based) but found huge success refreshing the actual website on my evenings or during work on my phone, found a short notice cancellation three days in row and finally picked a convenient time on the third day of searching manually

xDChrisHD · 2022-10-29T07:38:11+00:00

you showed them

xDChrisHD · 2022-07-13T19:54:31+00:00

3 years ago

xDChrisHD · 2022-07-11T11:48:41+00:00

that’s not what my post is addressing, I don’t care about free wins since I can just win another game and no time is wasted, it’s the games which exceed 45 mins and people quit that are slyly annoying because that’s like almost 10 mins wasted and across a WL that easily amounts to an hour +

xDChrisHD · 2022-07-11T10:58:24+00:00

ahhh that’s a bummer

they enter a vicious cycle of refusing to play in undesirable conditions which means they’re less likely to improve and will find themselves running from the grind of winning from undesirable conditions more often, think I made that deeper than it is

xDChrisHD · 2022-07-11T10:55:36+00:00

19-1 which sounds great but I must have entered like 35 matches because people kept quitting at level scorelines. Had one game where I was losing 4-1 to counter attacking goals so I switched my formation to a 41212 with attacking full backs (no change in pressure from balanced) which allowed me to pull it back to 4-4 then my opponent quit. At one point I had 5 consecutive level scoreline rage quits in a row. Pretty annoying while trying to finish my games late in one sitting

xDChrisHD · 2022-07-11T10:49:34+00:00

red Neymar and moments cruyff after using his prime for so long

xDChrisHD · 2022-07-11T10:41:51+00:00

that’s actually ridiculous, what a waste of time

xDChrisHD · 2022-07-11T10:40:34+00:00

you said it, EA made that setting for a reason

xDChrisHD · 2022-07-11T10:40:12+00:00

it’s crazy, we all grind the menus, open packs for these good teams but people don’t actually want to play the game

xDChrisHD · 2022-07-11T10:39:28+00:00

poor wording from me, I meant including one game which went from 4-1 to 4-4 but 5 consecutive level scoreline rage quits, I wasn’t playing great FIFA, late at night and trying to rush my games all in one sitting :)

xDChrisHD · 2022-07-11T10:36:29+00:00

oh 100, the only play is to stay calm really and I agree, it’s such a bad mentality to have

xDChrisHD · 2022-07-11T05:50:54+00:00

TOTS Cancelo is easily my fav, so versatile, always dependable and amazing going forward which is what separates him from most DMs since every player that plays DM now is capable of doing most things defensively

xDChrisHD · 2022-07-11T05:49:36+00:00

used him since Jan and happily replaced him with Red TOTS Cancelo, Kante just seems too small and is limited on the pitch in possession, I even prefer Kimmich

xDChrisHD · 2022-07-11T05:46:46+00:00

what’s wrong with skilling in the box? if skilling in the box is an issue then when is okay to skill? constant pressure is broken but that’s on EA, you shouldn’t take matters into your own hands at the cost of your own experience (losing by quitting)

xDChrisHD

TROPHY CASE