Premier achat RP en petite couronne parisienne, besoin d'avis

Salut !

Ma femme et moi (27 ans tout les deux) envisageons d'acheter notre premier bien d'ici la fin de l'année. Je gagne 2300 net + 13ème mois et elle gagne 2800 net, tous les deux en CDI

On a récemment fait un premier rdv avec un promoteur qui nous a montré quelques offres en VEFA dont une qui nous a pas mal plu.

Localisation : A 5 min à pied du centre-ville et du métro (qui va aussi accueillir la future ligne 15), dans une rue assez calme (on vit actuellement dans la même rue, on peux voir le chantier de notre fenêtre).

Surface : 4 pièces pour 80m² + 14m² de terrasse et 4m² de balcon + 1 place de parking (qu'on va louer)

Prix : 345 000 euros

Apport : 10 000 euros

Montant emprunté 335 000 euros sur 25 ans

Mensualités : 1 500 euros / mois

Total remboursé : 450 000 euros soit 115 000 euros d'intérêts

Cela prend en compte le prêt à taux zéro, TVA 5.5%, prêt action logement à 1% et frais de notaire offerts.

L'idée serait d'y habituer au moins 10 ans surement et ensuite à voir si on fais un prêt relai (en espérant que ça ai pris un peu de valeur entre temps) vers autre chose ou juste on y reste si on s'y plait vraiment beaucoup.

Honnêtement on s'y connais pas beaucoup en immobilier et finance, sur le papier ça nous semble pas mal (surtout quand on compare le prix des loyers pour un T4 équivalent aux alentours, c'est tout aussi cher voir même plus cher). Mais j'aimerais bien avoir quelques avis supplémentaires quand même pour être sur de ne pas se faire avoir.

Vous en pensez quoi du coup ? C'est une offre qui semble valoir le coup ?

reddit.com
u/RogueLeader27 — 21 hours ago
▲ 45 r/short

My 5'6 brother is the most sucessfull guy I know

My little brother is 5'6 and is the most sucessfull person I know in term of dating : this little guy is 25 and already had more than a dozen partners since high school (from simple hookups to a year long relationship). He is ultra social, make a shit ton of friends everywhere he go. It seriously impress me.

On the other hand I (28M) am 6'0 but still a kissless virgin.

I know being short is hard, but I want to show you this :

Being short is absolutely not a fatality, and on the orher hand being "tall" absolutely not certificy you will be sucessfull at all.

reddit.com
u/RogueLeader27 — 10 days ago
▲ 90 r/amiugly

27M and still a kissless virgin, 0 dates, 0 flirts, 0 hugs, not even a single steady gaze or compliment in my whole life, am I that much ugly beyond redemption ?

u/RogueLeader27 — 1 month ago
▲ 189 r/toastme

27M and still a kissless virgin, seeing everyone else around you experiencing love and building families while your still stuck at the starting line is horrible. I'm getting out of ways to cope with this situation.

u/RogueLeader27 — 1 month ago

Is this considered ghosting ?

I am a very very shy person who try my best to not be a problem for others.

Because of that I never initiate any social interactions, my way of thinking is simple :

If a person want to talk to me it will come talk, if he dont that mean he probably have better to do or dont want to, so I will not risk bother him.

So, as you can imagine, most of my interactions with people dont last long because when they said the first message Im happy and will carry the conversation all day long. But there is always one day when they just stop initiation, one day they got bored of you and dont want to talk anymore.

I can remember this girl I was in love with, one day she just didnt messaged, I thinked of it daily for a while year, hoping it was her everytime my phone received a notification. But no, she never messaged me so I guess she just decided to end things.

As I felt on this sub and read a lot of post, I was questionning myself : Am I a ghoster without realising it ? If somone never initiated conversations but would totally answer and carry them as long as you initiate them, would you consider him a ghoster if he dont send you a message the moment you stop initiating, and so the relationship dissipear ?

reddit.com
u/RogueLeader27 — 1 month ago

27 [M4F] Just craving for good vibes and endless night time conversations

Hey there,

I'm a 27M living in Paris, kinda socially akward in real life I will admit, that why I prefer to talk online in a first time.

What to said about me... I'm the classic nerd stereotype (I love video games, anime, biology, astronomy, informatic), people around me use to said I'm kind, funny and a good ear, so take it as you want ahah.

Physically I'm 182cm for 95kg (a little chubby so), white skin with long dark hair (a little above my shoulders) and I wear glasses.

About my preference : I want someole fun with good vibes, if we have good conversations and laugh together, for me its already a lot in my heart. Someone who also like video games and anime is a +

reddit.com
u/RogueLeader27 — 1 month ago

27M qui souhaite sortir de l'isolement social petit à petit

Salut, je suis un mec de 27 ans vivant sur Paris, en isolement social depuis l'enfance j'ai donc énormément d'anxiété sociale accumulé au fil du temps, malgré ca j'aimerai quand meme m'en sortir et rencontrer des gens pour vivre une vie qui en vale la peine.

Je suis bègue.

J'ai les hobbies classique du geek on va dire : jeux vidéos, anime, tech, science (biologie et astronomie principalement).

Voilà, je sais pas trop quoi dire de plus mais mes mp sont ouverts alors hesitez pas si vous avez d'autres questions, à toute !

reddit.com
u/RogueLeader27 — 1 month ago

Listened to the advices from here, went out to meet people and just ended up being punched in the face.

A little more than a week ago I (28M) made a post about feeling like I totaly missed out my life. I received a lot of message (comments and DM) suggering me that its not the case and that I should seriously try again to socialise.

At some point I just wondered, why not ? I guess the fact that I lost 20 pounds (still have 20 more to lose to have a good weight) since the start of the year + the fact that I recently changed my hair style gave me some hope.

So, I found a reddit metting group from my city (Paris) and went to the next meeting they organised at a bar this saturday. I came late (at 11pm) so everyone was already here chatting and barely noticing me, but it was better that way so I just had to make a little "hey" and sit and just listen to them continue their conversation without actually needing to talk myself.

It went that way for 15 minutes until the man sitting next to me, who was clearly drunk, turned on me like "who tf are you btw ?" out of nowhere, the sudden + the stress made me stutter a LOT (I'm a stuttering person), I was not even able to make a complete sentence. And that guy apparantly felt like I was actually mocking him, again because of stutter I was unable to explain myself that it was not that and a few seconds after, he just punched me directly on the face.

I felt of my chair, people around where standing chocked, watching me silently, the whole bar was fucking watching me silently so I just said that I need to go and flee the scene fast, spend the travel home trying to stop my upper lips bleeding and just felt on my bed at arrival.

I was wrong, it the same thing, the same result, no matter how many time I will try, dozen, hundreds, thousands, millions of time, it will always be this same fucking ending. I am unable to socialise, I dont deserve it, listening to all the normies here giving false hope was fucking stupid. I was right since the start, I wasted my life and now I'm far too late for socialization to even have friends/relationships anymore. At least that punch helped me realised that once and for all. Its OVER.

Overcooked sausage with pesto rosso pasta

u/RogueLeader27 — 1 month ago

Les débats politiques en privés n'apportent jamais rien de bien

Honnêtement, avez-vous déjà vu un débat politique dans lequel l'une des personnes impliquées à fini par dire "en effet, j'ai tord et tu as raison" ? Peux être que ca arrive une fois sur un million ok, mais la très très grande majorité du temps, les gens se contentent de camper sur leurs positions.

​

Débattre de politique ca ne sert a rien, tu ne convaincra pas la personne en face 99.9% du temps, tout ce que ça apporte c'est de l'énervement, des disputes, des amitiés/relations brisées, voir pire (j'ai encore le souvenir de devoir séparer mon père et mon oncle en train de se battre jusqu'au sang à cause d'un débat sur les gilets jaunes, ça m'a bien vacciné).

​

Le seul cas où le débat est "utile" c'est dans le cas d'un débat télévisé, car le but du débat ici n'est pas de convaincre son adversaire, ca n'arrivera jamais, le but c'est juste de convaincre les spectateurs encore indécis.

​

Mais dans le cadre privé, où il n'y a donc techniquement pas de spectateurs indécis, le débat ne sert a rien, il n'apportera rien, rien d'autre que le risque de briser ta relation avec la personne en face.

reddit.com
u/RogueLeader27 — 2 months ago
▲ 94 r/Eve

Since when these ghost site are so much lucrative ?

When I last played back in 2023, ghost sites where lucrative but it wasn't more than a few dozen millions usually, you would mainly do them for the 1% chance to drop a billion isk worth implant BP.

I got this loot from a SINGLE can, yellow hack, I still have difficulties to understand, since when nanoregulation gates for example cost +400M A PIECE ? I remember finding them quite regulary in ghost sites and sleeper cache a few years ago.

Almost 700M (BP cost 40M) from a single can, 10s hack. Damn I will for sure scan all the lvl3 data site i will found to not miss a single ghost site now.

u/RogueLeader27 — 2 months ago
▲ 92 r/Eve

Returning player, glad to see exploration is still a very profitable activity

Didn't launched the game since 2023. I reinstalled yesteday and jumped back in my buzzard for some null sec exploration in sansha space.

This is my first site (lvl 2 relic sansha), glad to see its still very profitable, my 35M buzzard is already rentabilised in less than 10 minutes.

EDIT : The travel didn't ended well 🥲

Got destroyed with almost 400M of loot at a gate camp, just because I tried to get out of the bubble and completely forgot I HAVE A NULLIFIER ahah. It will probably need some time to take bad all the goods habits of a good null sec explorer, but hopefully this death bring me some back :

- No gate to gate

- Dont forget (if you use a covert ops) you have a fucking nullifier when you end up in a bubble

- Make shorter travels to secure loot more often (my initial travel was 42 jumps long and I died around the 30th one, now I will try for a 20 jumps long)

Eve is mercyless

u/RogueLeader27 — 2 months ago

Finally, after months of grind, my first steel ship is here

I play since 2018 with big pauses here and there, but I never really grinded the game and especially steel until my return at the start of the year, I was like 10k steel and so started grinding like crazy ranked and others events that could give steel.

And now its here, the one I wanted to so much.

For my defense the thing I love the most when I play CV is to rush and destroy the enemy CV, so I am a cancer who focus other cancers, and with this citadel printer it will be incredible !

I heard this one required at least some skill to play compared to others CV, as a previous Max Immelmann main I think I am already used to fast but fragile planes and skip bombers, so let's hope I will not suck too much.

EDIT : After a few games with it : I LOVE IT !

The skip bombs slap HARD, but I will need some training to citadel BB.

The torpedos are incredibly strong too, I'm ending up loving them even more than the skip bombs : They are fast, narrow and do a lot of damage, usefull against any type of ship, I even dev striked some DD with it.

The HE bombers are okay, hard to hit a lot of damage but its a tactical squadron with a 2 minute respawn so its okay + the smoke screen can save your life or some allies life

The planes turn INCREDIBLY well its very satisfying, they have a very long engine boost (15s) and both squadrons have evasive maneuver making them very resilient even with their little hp pool.

The ship is very funny to play, I for sure dont regret my choice, my new main is here !

u/RogueLeader27 — 3 months ago

It is possible to be "too much carefull" about consent ?

Okay from the title the question seem kinda stupid, but let me explain in details what I mean :

All of that reflexion starded from me falling on this french YouTube serie "Fleur Bleue" (its the story of a woman "Fleur" that get home with men and everytime the man end up being not the good one for her, its a kinda funny serie).

One of the episode of this serie is about a "deconstructed" man : They end up in bed and he start to ask consent for every action at a point that Fleur just get angry and ask him to leave.

The twist is that the men was in fact a misogynist playing the "deconstructed" card to get laid.

But outside of that twist, I just ended up feeling myself to be very very similar to that man about always assuring that my partner is fully consentual.

To give you two example in the episode :

- The man ask if he can place a hand between her legs, she said yes, a few seconds after he ask her if he can kiss her in the neck and she get kinda angry "if Im okay with a hand between my legs that mean Im okay with a kiss in the neck". But I dont see it this way, for me having consent for a action A dont mean you also have consent for a action B, no matter if B is "less intimate" or no.

- At a moment he ask if he can take off her bra, she said "hmm hmm" so he stop himself and answer "hmm hmm yes ? Or hmm hmm no ? Be clear please" and she get angry for that too. For me again there is nothing wrong in wanting to assure that you understanded correctly your partner consent and not just assume it from a possible missunderstanded "hmm hmm".

So, I just end up really questionning myself, it is bad to be sure about your partner consent regulary and to ask for clear and non missunderstandable answers ?

A lot of people talk about "non verbal language" but again, its not something you can rely on without any risk of missunderstanding, especially when like me you are on the spetrum and have 0 experience romantically or sexually.

So, for you, is there a "limit" where assuring your partner consent become "too much" ?

reddit.com
u/RogueLeader27 — 3 months ago
▲ 178 r/childfree

My previously childfree wife is starting to want kids

Married since 3 years, together since 13 years, we are both 30 right now.

All thoses years we where childfree, but since a year my wife just started to change her mind... First it was just some guess about "yeah it wouldn't be so bad to have one" and now she its to the point where she clearly want one in the next years...

My view on the subject never changed : I am not "against" childrens, I love them, but I dont want to be a father, I am aware its would be far too much stressfull for me and far too much responsabilities that I can handle.

I try to explain her that she want a kid for the wrong reasons, that she is not aware of how much devastating a kid is in a relationship, how much it can be devastating for the freetime, the finances, how much devastating it can be to the world if you fail to educate him propely. But she hear nothing of it, she just want a kid because she want one the same way she would want a pet...

Sometime Im seriously wondering if the relation is already over ? If I just wasted my whole younth for NOTHING, being betrayed by someone who sweared me to be childree for 10 years...

reddit.com
u/RogueLeader27 — 3 months ago

New to WH3 : first campain -> first victory

Sorry for images quality, I guess its because of HDR (my regions are the black ones).

I played a little of Warhammer 2 back in the day but never really invested in a campain above like a dozen turns.

Got Warhammer 3 recently and decided to give it a real try, difficulity is normal/normal, on the second pic is the army i used for like 3/4 of my campain as soon as I was able to recruit all the units. The crossbow men do SOOO much damage, especally the nammed unit, each time the ennemy units was barely alive and already on the verge of retreat when reaching my frontline + I was crawling under 300k gold at the end, just didnt knew what to make of all this money.

The battles to kill the 4 chaos princes + Belhakor where really fun btw.

Really liked the campain, looking forward the next one (probably a IE one), I love the lizardmen but I dont know which lord is the more friendly one for a first campain with them.

u/RogueLeader27 — 3 months ago
▲ 415 r/BoyDinnerDiaries+1 crossposts

How do you cope with the fact that you missed your youth ? That you will be forever orphan of theses teenage loves ?

At 28 yo the realisation that you totally missed your youth hit hard, extremely hard :

- Never had a single friend

- Never went to a single party

- Never got drunk or used any drugs

- Never got a gf, a flirt, or even just a compliment from a girl

All the best years ruined and I will never be able to have them back.

Ruined because I was bullied from elementary school to the end of middle school.

Ruined because at high school it was already too late, I've fallen so far behind socially (due to not being able to have any social interaction outside of my bullying before), combined with the psychological permanent scar bullies gave me (I became a stutterer), I just became "the weirdo" who no one wanted to approach. (I made 7 years of speech therapy, it didn't helped, doctors said I need to "learn to live with it").

And it was no different in college, I also was the "weirdo" unable to align 3 words without stuttering so no one wanted to have me in their life.

My only cope is that I have a good imagination and so every night I like to listen EDM and imagin myself being nostalgic of memories I never had (partying, flirting, etc...).

How do you cope with the fact that you missed your youth ? That you will be forever alone ?

Tartiflette

u/RogueLeader27 — 3 months ago
▲ 20 r/AITAH

AITAH for making this (bad ?) joke about my women type ?

Sorry english is not my first language, in the title I mean my type of women.

28M here,

Yesteday I was with some friends, both men and women, and at a moment the conversation switched to dating, and I got asked this question : "And you, what your type ?"

So I just made the joke "Oh you know... Alive and consenting would already be a good start"

The men laughed but the women just gave me a bad look

They started to accuse me of joking about consent and that it was bordeline rapist way of thinking, and that "no wonder you never had a gf at your age" (they know im still a kissless virgin).

I tried to explain that it have nothing to do with joking about consent, in fact it was clearly the opposite, that as I have no type at all, my only "type" are the one that are mandatory = consenting. Saying that by having 0 standard I already have no opportunity, so there is no point having a type (that would mean being restrictive about something I already have almost no chance to find, that not logical).

Its like a job offer that have no advantages to offer so it just write the legal requirements as "advantages" like paid leave etc...

The women gave me a very bad look for the rest of the evening and now I'm just feeling like, did my joke was that much offensive ? I trully did not mean it, for me of course that consenting is mandatory, that why I said it, that was the point.

AITAH here ?

reddit.com
u/RogueLeader27 — 3 months ago
▲ 292 r/BoyDinnerDiaries+1 crossposts

My (28M) little brother (26M) got married recently, it was a nice weeding and I am incredibly happy and proud of him, but in the other hand it made me a electrochoc about how I wasted my life.

During the party I heard my brother talk with some childhood friends, talking about their teenages years togethers and all the fun parties they had. It made me realise that, for me, I have absolutely no memories like that to remember.

During elementary school, when everyone was learning social rules and making their first friends, I was bullied because of my look (big round glasses like Harry in HP1, big ears, etc...), middle school was the same (thanks to living in rural area, all the bullies where in the same classe as me every year) just that bullying went up in gravity (from just verbal bullyin in elementary, it became physical one in middle school).

When I finally entered high school and was no more in the same school as my bullies, it was already too late : I had already missed 9 years of social training (elementary + middle school years), combining that with the psychological scars that bullying left me (I became a stuttering person), it was all over, everyone was looking weird at me for not being able to align 3 words without stuttering. I was no more bullied, but I was just... ignored, no one wanted to have the "weirdo stutterer" in his group. So high school years passed too, with no social experience earned again, no friends, just me alone as always.

Then college years arrived, take a guess... it was the same as high school : Being a stutterer + having absolutely no social experience and not knowing at all how to make friends = everyone give you the "weirdo" statut and dont want to do anything with you. So as again I was alone.

All my life, I never got a single friend, never went to a single party, never had a single flirt, still a kissless viring looser at now soon 30.

And the worst in all of that ? That I will never be able to have these years back, I will never be able to experience a teenage party, never be able to experience teenage love, the best years of my life got wasted and I wasn't allowed to do anything to prevent it.

Now my life is just work, chill on computer after work then sleep and repeat. There is nothing I can do to improve anymore, at that point I have accumulated more than 20 years of social training missed, I have the emotional level of a toddler and absolutely no one want to deal with that as an adult, I have no possibility to learn anymore. Its over.

Usually when night come I like to spend a few hours listening to EDM and other kind of festival musics and become nostalgic of memories I never had : Having fun at parties, hanging out with friends, flirting, having relationships, all the things I never had experienced and will sadly never experience. It make me feel good to imagine such memories.

Spicy chicken with peppers and onions.

u/RogueLeader27 — 4 months ago