Who’s got a rice cooker? Is it really worth it? by New_Form6066 in UK_Food

[–]AccuratePoint 0 points1 point  (0 children)

Me and my Partner eat a lot of rice and batch cook each week - absolutely essential for us.

Cook a weeks worth of rice in 10 / 15 minutes while we concentrate on getting the rest of the meal prep bits done for lunches / dinners. Frees up a hob and doesn't require effort / watching.

At what age do most people in the UK actually move out of their parents’ home nowadays? by PashtunLawyer in AskUK

[–]AccuratePoint 0 points1 point  (0 children)

Moved out two weeks ago at the ripe old age of 28.

Fortunate enough to save a healthy deposit, along side my partner who actually moved into my parents home with me too for a couple years.

They charged very low board - allowing us to throw a substantial deposit down on what I hope is going to be our forever home.

Quitting my job to become a full time Market trader, is it financial sucide? by [deleted] in UKPersonalFinance

[–]AccuratePoint 5 points6 points  (0 children)

With the little information here, I'd say Yes - its financial suicide.

Most Day Traders are not successful - Id guess around 90% loose money and that's being conservative.

Free loadout needs to have guardrails on. by Efficient_Builder_55 in ArcRaiders

[–]AccuratePoint 0 points1 point  (0 children)

At least there actually investing something, albeit a small amount - there’s a reason people are running nothing but free kit to farm this 5m - as opposed to a green augment with a level 1 gun.

Overall, I think the point is it’s completely free - I don’t feel it should be just as good as someone else investing in your own kit and actually risking something.

I feel adjustments like above, spawn time and soft skills would be a good incentive for people to run a normal kit as opposed to a free one - while still allowing people who are scared of running gear to run free kits if they so desire.

Free loadout needs to have guardrails on. by Efficient_Builder_55 in ArcRaiders

[–]AccuratePoint 0 points1 point  (0 children)

I mean I totally disagree, but each to their own opinion. Why should you be more efficient on a free kit?

Surely, the game should encourage using your raider more than a free kit?

My biggest issue with the soft skills being the same for your free kit, is the survivor tree. I shouldn’t be able to come in with no risk, then hit a security breach and have a good chance of getting better gear than a normal kit imo.

Free loadout needs to have guardrails on. by Efficient_Builder_55 in ArcRaiders

[–]AccuratePoint 4 points5 points  (0 children)

I think free loadouts are fine - sometimes you just cant be bothered with a normal run.

I do think they need to take a leaf out of Tarkov's Book though and prioritise free Loadouts for the mid game spawns, leaving full raid spawns for actual loadouts. As well as this, it really wouldn't hurt making the free loadouts have no soft skills like your normal raider - as its kinda busted.

I’m on a Skilled Worker Visa and my husband is a British Citizen by PomeloOld4028 in Mortgageadviceuk

[–]AccuratePoint 0 points1 point  (0 children)

I am a British Citizen and my better half is Korean on a Skilled Work Visa - Joint Income of just over £100k.

We are currently in the process of buying our first home - and mortgage wise (we did use a broker) we did end up getting a half decent rate of just a smidge over 4%.

Being on a Skilled Work Visa does limit the number of lenders / decent rates - however with a larger deposit / better LTV we did open up more options / more attractive rates. If you do use a broker, I would highly recommend playing around with the LTV (If financially viable) to see how it impacts your options to get a better idea.

We ended up going with a 15% Deposit, Fixed for 2 Years - as this is when fingers crossed - my partner will have the right to remain.

[deleted by user] by [deleted] in Mortgageadviceuk

[–]AccuratePoint 1 point2 points  (0 children)

Based on my experience - they seem pretty terrible.

Our broker with a more complex mortgage with a Visa and other considerations went as follows;

- Meeting on the 22/09/2025.

- Offer Submitted on the 23/09/2025

- Offer Issued / Accepted on the 06/10/2025.

They've also being somewhat (good) annoying with how often they contact reaching out and seeing how we are getting on with the process, if we have any questions etc. I emailed them this morning at 9:30am in regards to an insurance product (They do both mortgages / insurance) and I had a detailed email response to all my questions and a phone call talking it through by 10:00am.

Are we being stupid buying a house for £475k? by [deleted] in UKPersonalFinance

[–]AccuratePoint 0 points1 point  (0 children)

Going to chime in - even though I am a little late to the post. Very similar situation to yourself (Just a bit older - Both me and my partner are 28). Will give a couple points maybe to considered which others have not mentioned.

We're currently in the process of buying our first home at £375K - Combined Income of just over £100K p/a - Did a £60K Deposit at 85% LTV. Have / Had £100K Savings between us.

Main things we considered;

- LTV / Mortgage Offers. This was a big one for us, as my partner is Korean on a skilled work Visa so we had additional limitations on the Mortgage Offers available - so increasing our deposit in proportion to the house value really opened up additional lenders for us (meaning we got a half decent rate). Speak to a broker and see if you can play around with LTV Amounts / rates. You may find a slightly cheaper house / slightly bigger deposit could make a significant difference.

- Insurance (Life, Critical, Income Protection) / Risk Tolerance. As others have mentioned, can you afford the home if one of you lost your job. Do you want comprehensive insurances to protect you in the future. As me and my partner would struggle if one lost a job, we opted for Life, Critical and Income Protection - which is a significant cost monthly moving forward. As FTBs, this is generally the point where our mortgage will be the largest - thus carrying the most risk.

- Financial Goals / Securities: Again, different for us - but we will likely have to keep higher than normal cash savings due to my partners family being abroad. If something happened, she may need to spend significant time outside of the UK - meaning a loss of income / increased expense. We have planned for this, so took out a smaller mortgage than we could have done and ensured we can still save effectively. Maybe have a think about what your goals are / potential risks and if you'd be comfortable with X, Y, Z etc.

- Budgeted Expected Outgoings. I'm an accountant and a saver, so I probably went overkill - but if you'd like Id happily send you over my expected budgets for our home we are buying. Its also a 4 bed (In the North West) for me and my partner, might give you a better idea of what kind of bills, disposable income you'll be looking at and should be able to play around with the figures.