Does anyone have a list of lenders that offer no/trivial LMI or substantial LMI discounts for owner occupier first home buyers with 15% deposit?

2021.11.29 05:51 Stonky_Kong_ Does anyone have a list of lenders that offer no/trivial LMI or substantial LMI discounts for owner occupier first home buyers with 15% deposit?

So far I've found:
BOQ
RAMS
St. George
UBank
86 400
Unity Bank
BankVic
Pepper Money (high fees for high risk borrowers)
Citibank
submitted by Stonky_Kong_ to AusFinance [link] [comments]


2021.11.29 05:51 South-Long8145 Contemptor Dreadnoughts?

Are they useful? I was looking at the FW one and I love the model but wanna know if i’ll get any use out of it,
submitted by South-Long8145 to BloodAngels [link] [comments]


2021.11.29 05:51 nicstick86 [ASMR] A 100% Realistic Relaxing Spa Facial & Scalp Massage ~ Personal Attention [Roleplay]

[ASMR] A 100% Realistic Relaxing Spa Facial & Scalp Massage ~ Personal Attention [Roleplay] submitted by nicstick86 to ASMRcommunity [link] [comments]


2021.11.29 05:51 sugarsc Selling BBC!

𝘐 𝘰𝘯𝘭𝘺 𝘒𝘀𝘀𝘦𝘱𝘡 π˜™π˜π˜‹ 𝘒𝘯π˜₯ π˜™π˜°π˜£π˜Άπ˜Ή. π˜•π˜– π˜”π˜”2 π˜–π˜™ π˜ˆπ˜‹π˜–π˜—π˜› π˜”π˜Œ.
Shop: 10K BBC- 5K RHDπŸŽ„10 robux with tax 20K BBC- 10K RHD πŸŽ„20 robux with tax β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”- I only farm when you reserve it, so I need some times. (1-2 days)
submitted by sugarsc to Cross_Trading_Roblox [link] [comments]


2021.11.29 05:51 LiamSi00 How can I deal with half-assed texts? are they shit tests?

Hey guys, I matched with this girl and I texted her "hey, you know when I see your profile picture, you look like a girl that's cute, shy, but throws tantrums out of nowhere. Did I get it right?" Later I received "hahahaha hi"
At first, I ignored it and went about my day, but then it crossed my mind that it might be a shit test. Is it ? how should one deal with half-assed texts?
Thank you for your time.
submitted by LiamSi00 to seduction [link] [comments]


2021.11.29 05:51 Icy-Chemical-6720 Isipin nyo nalang nips ni vien yan

Isipin nyo nalang nips ni vien yan submitted by Icy-Chemical-6720 to TPgirls [link] [comments]


2021.11.29 05:51 SpectreFleet Spectre Fleet - Recruiting Active Citizens From All Career Paths!

Spectre Fleet - Recruiting Active Citizens From All Career Paths!
https://preview.redd.it/5fajq1nf0i281.png?width=1920&format=png&auto=webp&s=10c98d2cc812657501deb2a65d072a38e12353a3
Specialization: Intel / Black Ops / FPS & Ship Combat / Industry / Trading
Commitment: Weekly
Role Play: No
Main Language: English
Region/Timezone: US/All
Operation Times: Evenings
Exclusive: No
Links:
Website: https://www.spectrefleet.space/
Discord: https://discord.com/invite/zrJbQtFuCv
YouTube: https://www.youtube.com/channel/UCwMm_YKG_lGobQrtPuIZhFQ
RSI: https://robertsspaceindustries.com/orgs/SPECFLEET

https://preview.redd.it/3fk7jykh0i281.jpg?width=450&format=pjpg&auto=webp&s=cec4d0d0279c8bce8a9f0aed09059ab077129c7f
Spectre Fleet is a group of small tactical teams performing highly coordinated maneuvers, working together on tightly knit; detailed operations.
How do we achieve this goal? Leadership, Quality Personnel, Organization, and Training.
We focus on quality membership; not quantity. With many former and current military players, Spectre Fleet leadership takes an active role in cultivating teams and coordinating game play.
Do you have to be current or former military? Absolutely not. But we do foster and welcome professional attitudes and skill sets. That being said; it's not all rigid. Fun is also primary.
Our organizational hierarchy and communications chain also play an integral role in coalescing the teams and skills required to achieve our goals. Discord and Ts3 is a requirement.
We offer training and certification programs for a range of in-game skills including FPS, Piloting, Industrial, and Espionage. We are organized and motivated to help you get better. We also have non-mandatory team-building sessions during the week for many of the core game play loops.
Finally, in Spectre Fleet, between operations, we welcome theory crafting and discussions about tactics and planning. Lessons learned and opportunities to contribute to future operational plans are not only encouraged, they are welcomed. That doesn't always mean every idea will be embraced, but you will be heard.
If you seek a positive, professional, fun group of dedicated players in Star Citizen, and you are a mature adventure-seeking player willing to train and coordinate gameplay with others; come give us a try.
We are Spectre Fleet, a non-RP organization focused on intelligence, infiltration and target neutralization. As a truly neutral organization, we will work for anyone that pays us, doing whatever they need. We do not officially take part in any piracy, but neither do we shy away from running afoul of the law. If you are interested in any combat or combat-adjacent role with a professional, but not overly strict environment, we may be the place for you. With specializations including marines, intelligence, fighter pilots, operations, industry, medical, and a variety of others, we offer diverse experiences in a tight-knit, high-skill environment. While we do not have skill requirements for entry, we do expect a certain level of activity and a drive for constant improvement.
We are a very active organization, with players in voice chat every day and weekly operations. We like to keep our membership small and active, with a hard member limit set at 100 members. If you're an active player looking for an org where you can get to know everyone but still have people to play with every day, we may just be the place for you.
submitted by SpectreFleet to Starcitizen_guilds [link] [comments]


2021.11.29 05:51 BunnyJ0209 Why Is TOP Chain A Good Choice For CDBC?

And this is really a big news for all TOP holders.
https://topnetwork.medium.com/?p=5e19aafbc9b0

https://preview.redd.it/9af3jqvh0i281.png?width=1850&format=png&auto=webp&s=8c6ecff057f4ee48fdeb35ea91ad63bc84a7557b
submitted by BunnyJ0209 to TOP_Network [link] [comments]


2021.11.29 05:51 marcraffard NIO Stock: Tesla's Challenger Underperforming Against Competitors

NIO Stock: Tesla's Challenger Underperforming Against Competitors submitted by marcraffard to ETP_Trading [link] [comments]


2021.11.29 05:51 Mr_hyde2000 The Way of Ethan. chapter 18

I know its a bit later than usually, but i just got of work, so here it is, constructive criticism, likes and dislikes are veery velcome in the comments, helps me become a better writer, to create better content for you, you crazy bastards.
now. have at it!
previous first next (TBA)
_______________________________________________________________________________________
Approximately 12 years ago:
James was panting heavily as he looked at Ethan.
"How much time we got before the cops show up?"
Looking at the clock hanging over the, now partially destroyed, bottle wall in the local bar.
"Four minutes tops, let's say three. Can we finish off five guys in three minutes" Ethans speech was a bit slurred partly because of alcohol, the other part, some of the participants in tonight's bar brawl had been better than the average Joe at bare knuckle boxing, he had to give him that, the guy that hit him, went down swinging.
When Ethan punched his lights out, a wild haymaker connected with his jaw, splitting his lip.
James looked at the guys in front of them all of them battered and bruised, huffing and puffing, but still standing.
"Hey fellas, what say you, we go our separate ways, we take the front and you can skedaddle out the back, away from incoming cops."
Ethan knew this to be a blatant lie, fights were so regular here the cops always came to the back exit first due to the layout of the town, you could almost calibrate a stop watch to their response time from when the bartender hit the alarm to when they would be rushing in, all of them en riot gear eager to join the fight, a lesson both James and Ethan had learned the hard way.
The five guys threw quick glances amongst each other, then one said. "Agreed, we go out the back, you take the front. We were just passing through anyways, we didn't want any trouble. Let's go guys." and with that, they dropped their improvised weapons and bolted for the back exit.
Seconds later James and Ethan walked out the front door, lights already blinking from the street behind the bar, they both knew they had to move, and fast to avoid the cops.
"where... Should... We... Go???" Ethan puffed.
They rounded a corner and pressed their bodies hard up against the ice-cold brick wall, exchanging looks they simultaneously said a single word.
"Judith!"
The garden gate creaked as it opened and two pitiful men made their way up the short gravel path to the patio, the old decrepit stairs creaked under the pressure of the two men, supporting each other as their wounds of battle started to their toll.
James slowly lifted his hands to knock on the frame door, only for the inner door to fly open revealing and old withered lady barely a meter and a half tall standing in the dim light from the small lonesome light bulb illuminating the patio.
James and Ethan stood there, frozen in place, while starring down the barrels of a Hollis & son's Boxlock 12 gauge.
"I heard the cops coming in to town, that got me out of bed, then I heard the gate creak, that got the gun out of bed, then I heard the stairs creak, that nearly got you killed."
"Sorry Judith, can we crash at your place for tonight?" Ethan croaked.
The old women kept looking at them for a while, down alongside the barrels, before conceding, place the gun beside the door and helping the two men inside.
Just as she closed the door, she noticed a police cruiser drive by with its search light on and sweeping across the lawns and driveways of the little neighbourhood.
"Both of you, to the wash room, I don't want you bleeding on my couch."
Later in the living room, James and Ethan lay on Judith's couch, hot chocolate in hand.
"So?" she asked while looking over her glasses at them.
β€œSo what?" James said between blows to cool off his chocolate, which earned him a smack on the head by Judith, Ethan chuckled, then immediately winced as Judith threatened to thwack him as well.
"How many where there? Since you ended up in this poor condition, Henry, God bless his soul, didn't train you so hard for you to loose a fight against a couple of city slickers, so how many where there? Tell what happened?"
"We were both chatting with a couple of girls, then these fellas comes over claiming the girls were there with them, James and I backed of, and apologised for disturbing them, 10 minutes later those girls were clearly uncomfortable with these guys, we go over and ask if they are okay, the girls then tells us that they don't want to hang around these guys, we try to tell them to back away from the girls and enjoy their evening, next thing we know is punches being thrown, at some point we are fighting six or seven guys, when some of the locals come to aid us, now we are in an all out brawl, we decked about seven or eight guys in about five minutes, we make peace with the last standing guys and send them out the back door right into the arms of the cops and we skedaddle out the front door, and made our way to a safe place, here."
"Hmm, good to see you kids keeping Henry's spirit alive, he was an amazing brawler. You guys rest up. Breakfast is at seven, work starts at eight.!
"Yes ma'am" they both answered in unison.
Later that day Judith came out to the back where the two guys were in full on attack mode against some troublesome vines overgrowing the tool shed, she had sent them out to do yard work as repayment for her hospitality and services. She was accompanied by the local sheriff, a man who used to be special forces, 2 meters tall of lean mean killing machine, life I a sleepy little country town in bum fuck no where for some 20 odd years had taken its toll on his physic, though still not someone to be trifled with, and still in good shape, with grip strength like that of a silver back gorilla, a fact both James and Ethan had learned in their younger days.
When both Ethan and James saw the two of them walking down the yard, they exchanged quick glances.
"I bet we could make it." James said while putting the machete back in its sleeve.
"Yeah I bet we could, but do you really want to? that will be your third strike with the sheriff, and he damn well know who we are. I say we take what comes, like Henry taught us. You know 'If you can act like a man…"
"You face the consequences like a man'... Yeah I know, this is gonna suck though. " James mumbled.
"Hey sheriff, want to give us a hand?" Ethan tried to lighten the mood a little but this had been a long time coming, the sheriff had let them off the hook two times before, once because Henry had asked, and second because they had rescued the sheriffs daughter from some less than savoury fellow's, though said fellows would be eating through straws for the rest of their lives.
"Ethan, James. I have to take you guys in." the sheriff said sombre voiced.
"I'm not gonna lie to you guys, it's bad this time. The bar had cameras installed recently, that's all I can say about that. Let me advise you to shut up till we get to the station, then you call the best lawyer you can can get. Deal." he said while holding two pairs of handcuffs.
The guys nodded, and walked over to Judith, gave her a hug and a kiss on the forehead.
"Don't worry Judith, we'll see you soon enough." Ethan could see she was on the verge of tears.
"That bad huh? Shit, sheriff better take us in then, so we can get to know what this is about."
Ethan could barely believe it when the verdict fell, he and James had narrowly avoided prison time, for involuntary manslaughter, apparently one of the guys that they had punched that night had a heart attack after being punched by them, even though there autopsy said that he would most likely have died anyway due to the amounts of drugs in his blood.
Since Ethan had been caught on camera as the last to punch the man, he was sentenced to a mandatory one year anger management course, and psychological evaluation now and every quarter for the next two years or until he was deemed mentally stabil after the two years sentence.
Upon leaving he swore to him self he would never lay a hand upon another person again unless someone else was in immediate danger, the beating he could take, but never again would he take a life.
Ethan present day: pirate ship.
Walking through the carnage he had brought upon these beings made him think back to that day in the court room.
"These people are slavers, they capture people, sell them to highest bidder, to an unknown future, they are worse than scum, they don't deserve mercy, they deserve to simply seize existing."
As he walked through the ship he found little resistance, they all seemed to have either fallen to his hands or scampered off to somewhere safe. He need to find the captain of this interstellar cesspool, cut the head of the snake, so to speak.
He came to a closed bulkhead, door display smashed presumably sealing the bulkhead shut. Ethan looked around for a bit, even tried to just yank the damned thing off its hinges.
He could hear noises on the other side of the door.
"If you open this hatch and let me through, no one else will get hurt. I promise."
When no answer and nothing happened he decided to find a way to get it open himself, lo and behold, behind a dented panel in the wall that had some odd letters and markings on it, was what undeniably looked like a fire extinguisher, there could only be so many ways to design a pressurised gastank with a nozzle for firefighting.
Ethan pulled it out and after fiddling with for a couple of seconds figured out how it work, after an initial squeeze identified it as a co2 extinguisher.
"Oh mighty MacGyver, guide this fool in his errand to rid the galaxy of these pests. In Hollywood we trust. Amen!"
He let loose with the extinguisher on the hinges of the bulkhead, once depleted he used the empty canister as an improvised battering ram upon said hinges, and to his amazement they broke after a few well placed blows.
" Holy shit, that actually worked. Hang on, MacGyvering works in space, this is unbelievable."
With the hinges broken Ethan braced himself, feet on the wall, hands on the edge of the bulkhead and heaved, the whole thing groaning, then suddenly flying of, banging down the hall, revealing a large empty room.
Ethan poked his head inside to look around, the room seemingly empty Ethan stepped in.
Still nothing, Ethans dangersense was screaming at him, he eyed a metal rod laying on the floor, possibly broken off of the now discarded bulkhead seal. Slowly he bent down and picked it up, it was just under a meter long and felt kinda durable if not a bit on the light side.
"I know you're in here somewhere, I just want to talk to the captain."
"Well aren't you a clever one, arming yourself, but it is of no matter, you will never leave this ship, not when I'm through with you."
What lowered itself down in front of Ethan was literally the stuff of nightmares. A large arachnid body, the size of horse, covered in jetblack chitin, with eight spider legs ending in fearsomely sharp points. A torso protruding out and upwards on the front also covered in chitin, dark blue and toxic shade of green, a large ant like head mandibles and all, large compound eyes reflecting what ever light shone upon them.
Ethan gripped the rod, hard, and made a quick swing at the monster in front of him only for it to easily take a quick step back dodging the blow.
"This things is fast." Just a the thought entered his mind the creature made to strike at him, sluggish from all the fighting earlier Ethan didn't get out of the way fast enough as he felt the creatures spike like leg graze his arm leaving a crimson line on his left upper arm.
Per utter reflex Ethan immediately countered which caught his opponent by surprise, the rod slammed against on of its legs and a cracking sound could be heard, like stepping on egg shells.
This prompted the creature to release a barrage of blows, Ethan, desperately trying to defend against them all, every that got behind his defences left behind the thinnest of crimson lines, Ethan started to feel a numbness creep upon him, spreading from all the little cuts.
"This sucker is venomous, better end this quick then." throwing caution to the wind Ethan retaliated with his own flurry of blows, utilising both his improvised weapon and fist, scoring multiple hits and glancing blows, that is until a parried blow from Ethan, sent his rod upwards in big swing, which he just followed through with, flipping his grip, so as to skewer the creature, laying all his force into the swing, the rod found its way through the guard and in to the thorax.
The creature screamed loudly and flailed with its appendages, Ethan was jolted backwards as something pushed against him, a sharp pain radiated from his lower abdomen, upon further inspection, the creature had rammed a leg into Ethans stomach and it had snapped at the joint, leaving a trail of innards hanging out from the leg that now functioned as a plug to Ethans innards becoming his outards.
"holy shit, holy fucking shit. I'm so close to dying right now, this 'doing the right thing in space' shit is dangerous."
A loud hiss came from left side of the room as the door to what must be the bridge opened.
Ethan, beaten and battered, limp his way over there, oddly enough without any pain.
He had to do a double take when he entered the bridge, before him stood a gods damned silver back gorilla, but that wasn't the most scary part, when it spoke, there was no translation, it was perfect English.
"Welcome aboard my ship fellow earthling."
submitted by Mr_hyde2000 to HFY [link] [comments]


2021.11.29 05:51 betterbeclaire Too much?

submitted by betterbeclaire to croptopgirls [link] [comments]


2021.11.29 05:51 _Beasters_ AFRICAN BLACK FOOTED CAT ─ World's Deadliest, Cutest and Smallest Cat [10:52]

AFRICAN BLACK FOOTED CAT ─ World's Deadliest, Cutest and Smallest Cat [10:52] submitted by _Beasters_ to mealtimevideos [link] [comments]


2021.11.29 05:51 Solfaroiy ⚑ Wanamoon BSC Token | ⚑ Launching Now on BSC | $40k Jackpot Draw Today | Unique Tokenomics | Active Community in Telegram | Don't Miss This x100 Potential Gem



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submitted by Solfaroiy to CryptoMoonCoins [link] [comments]


2021.11.29 05:51 JaxManoel When you're a newbie and this message appears

submitted by JaxManoel to fromsoftware [link] [comments]


2021.11.29 05:51 Flying_Sheep1 Trouble understanding my box programming and loss of fitness

I've been doing CrossFit since summer 2018 it all went perfect, I hit a lot of PRs, got a lot fitter, and learned new skills until my old box closed permanently in September 2020, just before the second nationwide gym closure that ended in the last days of May 2021. When gyms reopened I found a new box and I was excited to start again after months of calisthenics and running, but I soon realized that something was unusual: 1. in the old box classes were longer than the standard hour but now are significantly shorter (45minutes )

  1. In the previous gym we had a strength/weightlifting/skill part and then a wod every day. This is my current gym weekly structure: Strenght+ super easy wod | Strenght is planned with strange methods (eg:10 minutes to complete 50 reps of back squat with 5 strict being dips every break, we had to pick the weight on our own, we had no 1rm percentage but the suggested rep range was 15) Core + wod day | eg: 3 rounds for quality of 60-second plank, 30sec rest, 30sec alternating ups, 30sec rest, 30sec hollow hold 60-sec rest
Bodyweight + wod day | eg:15 minutes to complete a 10/1 ladder of strict ring dips with 7 to 10 v-ups after every dip set
Weightlifting + wod day | Usually a complex
Wod only day | eg: 30 minutes from: a)200/180m row b)hang power snatch 35/25kg c)8 c2b pullups d)4 wall walk d) rest e) rest
  1. There is no skill work at all
  2. Wods are shorter but my warmups are extremely long (10minutes of kipping pull-ups warmup).
  3. you sometimes find the same movement in the strength/weightlifting part and the Wod.
  4. there is a bias for single dumbell/kettlebell exercises(dumbell snatch).
Now I'm less strong and my endurance/stamina has decreased a lot, I don't know what to do. Sorry for the long post.
submitted by Flying_Sheep1 to crossfit [link] [comments]


2021.11.29 05:51 AggravatingFinish0 Carti not actually rapping during his concerts

Anyone else kinda find it irritating how he barely sings his lyrics and just dances and screams during his shows? I mean the concerts are hype af still but idk if I’m the only one who thinks this.
Thoughts?
submitted by AggravatingFinish0 to playboicarti [link] [comments]


2021.11.29 05:51 ComfortableTricky46 LF: someone who has registered online bank account for landbank

hello, today is the deadline for dropping and i need my dropping payment paid today, I can't leave for landbank in my city because it is all closed already. please help me, if you have registered online bank account for landbank. Dropping fee is 30 pesos, I will pay you through Gcash or bank transfer afterwards. Thank you so much!
submitted by ComfortableTricky46 to peyups [link] [comments]


2021.11.29 05:51 GeoNe_ws Using #Geospatial Technology to Connect with the Human Experience

Using #Geospatial Technology to Connect with the Human Experience submitted by GeoNe_ws to GeoNe_ws [link] [comments]


2021.11.29 05:51 milk-boy69 Drink Milk Gamers

submitted by milk-boy69 to DaniDev [link] [comments]


2021.11.29 05:51 Privatepizza08 Tchort Finding Nevil quest.

He survived, but now I don't know how to leave the room, the wiki said south east door has a console, but I can't even find that. any sort of help would be nice, esp an image.
submitted by Privatepizza08 to underrail [link] [comments]


2021.11.29 05:51 hillman_avenger Leeds is a really nice friendly place

Me and my other stayed over on Saturday. I just wanted to post that we had a really great day going round the shops, pubs and restaurants. Everyone we spoke to was really friendly and helpful, from the market stall holders who directed us to (the well-hidden) The Owl to the doorman at the Owl who directed us to more pubs. Even the shop assistants were friendly and helpful. Head of Steam, Lamb & Flag, Friends of Ham are all great pubs with friendly staff. Shame the weather was so cold, but we had a lovely time. Just thought I'd mention it.
submitted by hillman_avenger to Leeds [link] [comments]


2021.11.29 05:51 Born_Spell_1192 What is success according to you?

submitted by Born_Spell_1192 to AskReddit [link] [comments]


2021.11.29 05:51 MarshallBrain We officially suck at providing our citizens with basic needs. Japan is just one example.

We officially suck at providing our citizens with basic needs. Japan is just one example. submitted by MarshallBrain to ReplaceCapitalism [link] [comments]


2021.11.29 05:51 Preagl Has anybody joined in Busy season?

It is my first job and my joining date is 20th December. What should I expect?
submitted by Preagl to Accounting [link] [comments]


2021.11.29 05:51 CapiOra Ikemen Prince: Licht's Route is coming soon!

Ikemen Prince: Licht's Route is coming soon! submitted by CapiOra to CapiOra [link] [comments]


http://gazovik-nn.ru