Pet Peeves

[Eoin McLove]

I know, I'm just acting the maggot. I think that paying a mortgage feels less painful than paying rent despite the much higher risk level involved. Because it feels like yours* you take more pride in it and make it a better place to live, potentially increasing its value in the process so if you decide to sell at some point you are likely to be financially better off **


* caveat accepted
** putting you in a better position to buy even bigger debt from the bank***
*** fuck yeah, potato!

[Eoin McLove]

Youtube is acting the cunt for me lately. The amount of ads is annoying but lately it will get to an ad, play it and then just get stuck and not continue playing the album or podcast. It is unusable at this point.

[Black Shepherd Carnage]

You own the house. What you don't own yet is the money you used to buy the house. The house is collateral against that borrowed money. In any case, it's all absolutely illusory for me, as there's no way in hell I could get a mortgage at the moment haha.

[Caomhaoin]

You also 'own' any problems that arise. House insurance cunts are far less cunty than car insurance cunts, I've discovered this year. The jacks was blocked and they sent out (a bit of a fucking cowboy but still) a plumber with very few questions asked.

YouTube Premium, Andy pandy. I know it's a few Bob but it's worth it.

[Eoin McLove]

I might have to bite the bullet and pay the cunts. Fuck them, they are worse than the car insurance and house insurance scum combined. Give me free shit, cocksuckers!

[Necro Red]

I might have to bite the bullet and pay the cunts. Fuck them, they are worse than the car insurance and house insurance scum combined. Give me free shit, cocksuckers!

Add blocker man. Does the trick and is free

[Trev]

Dont bother paying out, you can still download youtube vanced

[Carnage]

Vanced is letting ads through now though. Presumably Youtube has updated and it hasn't.

[101_North]

Revanced has replaced Vanced. A little bit harder to install but works brilliantly. The Revanced Manager app basically patches the original YouTube app on your device and creates a package to install alongside it.

https://github.com/revanced

[Trev]

Vanced is letting ads through now though. Presumably Youtube has updated and it hasn't.

I got a new phone last week and had to reinstall it, all been going good so far,think I got an older version though if that's made any difference

[Carnage]

Indeed. Might reinstall or try that Revanced.

[Bürggermeister]

Lewis Hamilton fans. Even worse than the cunt himself.

[Carnage]

Is that possible? Apparently Red Bull have refused to deal with Sky at the F1 anymore, as they keep making digs about Verstappen 'stealing' last year's championship - Ted Kravitz made some comment recently that was the last straw for them.

[mickO)))]

I would move to the Credit Union in a heartbeat if my branch offered a full online banking service rather than the basic one that they currently have.

Two reasons why I keep putting it off is I am not sure if a CU debit card would be as easy to use abroad as my current card.

The other reason is my Credit card is tied to my current bank account. My card only has a 1k limit which I am not going to increase so I have pay it off regularly which right now just involves going on to the AIB site and it is done in two seconds then the payment is usually cleared by the next day.

My CU branch doesn't offer a credit card so if I was to keep my current credit card paying it off would involve constantly having to go in person to either the bank (which is always understaffed and a pain in the ass to get too with terrible operating hours or the post office which is always packed with people collecting dole payments). Plus when you pay off the card in person it can take 2 - 3 days for the payment to clear.

I can see the second reason especially causing me a constant headache.

[warhead]

Yes, I just mean the ownership is kind of illusory until you've made the last second payment.

Well, for sure. When getting a mortgage, the house is not yours from the get go, it will be yours after you've paid it in full. Nothing will ever be yours when paying rent. Also, I'd like my kids to have some kind of stability, growing up in something they might consider as their own, in comparison to living in a rented property where a landlord might practically kick you out at any time he/she feels like it.
Renting or paying a mortgage - you have to pay or you're out either way, right......