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Joined 2 years ago
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Cake day: June 15th, 2023

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  • Thornbury Witch has given some very good advice. Also be aware, that if you don’t currently meet the deposit/income criteria for a mortgage from a regular bank, you will certainly not be getting a better deal elsewhere. Because of the high risk to the lender they will charge higher interest, fees etc. It will cost you a lot more. Best to save more deposit. There is nothing wrong with renting if means you can live comfortably and not be mortgaged to the eyeballs stressing over every dollar. I’ve never built new so I don’t know anything about finance + build schemes, but I would be too uncomfortable. Are there kickbacks to the builder? What’s the fine print? What recourse do you have if there’s problems with the build? I would feel much safer with a regular bank loan.











  • I’m not sure what this means because the cuticle is the thicker skin stuff between the bottom of the nail and finger? Do you just mean the skin gets nicked because you cut too much off the top? You could try washing/disinfecting the nail scissors or clippers. Bacteria might be living on them that keeps reinfecting any nicks each time you do your nails. Order of operation is wash hands, disinfect clippers, then trim nails. Hopefully that prevents any further instances!