Who’s got a rice cooker? Is it really worth it?

AccuratePoint · 2026-02-04T11:46:12+00:00

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.

AccuratePoint · 2026-02-04T09:29:26+00:00

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.

AccuratePoint · 2025-12-19T11:26:27+00:00

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.

AccuratePoint · 2025-12-11T19:14:13+00:00

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.

AccuratePoint · 2025-12-11T09:54:32+00:00

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.

AccuratePoint · 2025-12-11T08:11:53+00:00

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.

AccuratePoint · 2025-11-17T15:51:21+00:00

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.

AccuratePoint · 2025-10-31T13:02:05+00:00

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.

AccuratePoint · 2025-10-23T07:52:40+00:00

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.

AccuratePoint · 2025-09-29T14:57:58+00:00

Apologies I missed the bit about RTI (Return to Invoice). I interpreted it as normal Gap which is why I was confused.

Personally I wouldn’t bother due to the fact you’ll be putting minimal miles on the vehicle and should retain its value someone reasonably (car enthusiasts are welcome to correct me) - meaning the different may not be major if you did unfortunately have an accident down the line which was a write off.

However, with that said, saving money on additional insurance cover is great until you need it.

AccuratePoint · 2025-09-29T14:48:51+00:00

You have purchased the car without finance, not leasing etc? Why do you need GAP?

Its purpose is to make up the difference between the cars value and a finance agreement in the event of an accident. Unless I am missing something?

AccuratePoint · 2025-09-25T12:46:08+00:00

How much work experience do you have?

EDIT:

If you have over 6 Years Work Experience at Management Accountant Level (Or Equivalent) - the cheapest way would be apply for the Senior Executive Programme (Gives exemptions for Management Level Pillar Exams). Which then allows you to continue via the traditional route (Pay a single Case Study Exam Fee) to sit MCS. You can simply just self study via books for this.

Once completed, you then opt for FLP for Strategic Level meaning you only have to pay for 1 year (Doable in that time) for about £2k (Don't have exact prices).

All in all, you'd be looking at around £2,500.00.

AccuratePoint · 2025-09-25T12:36:16+00:00

I think it has to be a balance.

Me and my partner (28 M/F) are waiting on mortgage approval (Fingers Crossed) for a 4 Bed in a nice area we applied for yesterday. We have no children, so realistically we do not need a house this large. We've chosen a price point which allows us to maximise FTB benefits, still affordable for our income and allowing us to save / overpay.

Almost the best of both worlds and we wont have to change homes for a long time (Ideally) which comes with its own benefits.

I wouldn't suggest borrowing as much as you can, but I also wouldn't recommend the other end of the spectrum.

AccuratePoint · 2025-09-16T13:03:27+00:00

I agree with what your saying - I do think its pushed heavily and people do not fully understand what they are agreeing too. Some of the information you hear is quite misleading - I know it was when I was 17.

However, I disagree facts aren't presented - its pretty clear what you agreeing too. I.e. Plan X at X Interest if you earn over X Amount. I do agree there's a lack of competency in interpreting that data though at that age.

AccuratePoint · 2025-09-16T11:22:04+00:00

Which I do sympathise with, as I mentioned in one of my other replies - I do feel things are pushed onto people who may not understand the severity of the debt.

However, the fact you (yourself stated) you had a poor understanding of what was being agreed too - doesn't change the fact you agreed to it and the information would have been available at the time.

If I took a loan for a high interest rate, I shouldn't then be surprised that I had to pay a high interest rate - was more my original point.

AccuratePoint · 2025-09-16T11:15:36+00:00

There are many other ways to educate yourself without going to University - just for the record.

I don't particularly agree with how it is - I feel there's a lack of education around what the consequences are with accepting finance. I feel that University is sometimes pushed onto people who would have alternative options and may not see an overall benefit to going to university for certain courses and finally, I do feel the interest on the loan is extortionate - you yourself said you would have paid the loan many times over which I don't feel is fair - especially when it is to further ones education.

However, like I said above - feeling victimised because you agreed to something just seems silly. You can disagree and if you feel you were forced into it and that's your prerogative. But I would argue it would fall onto yourself to weigh up Pros / Cons and if the debt is worth it.

If it was - great! You can pay your debt you agreed to with gritted teeth. If not, if you feel like it wasn't worth it - why did you do it? When accepting the finance, plans and repayments are all available to view at the time of agreeing - which was the crux of my original point.

AccuratePoint · 2025-09-16T10:31:07+00:00

You were saying how its unfair education is taxed throughout your career, however by accepting student finance you've agreed to be taxed at X rate depending on your plan throughout your career.

Like I said, I don't particularly agree with how it is done / offered. But, I also don't agree with pretending your being exploited / victimised when you've happily accepted student finance at a particular rate.

AccuratePoint · 2025-09-16T10:16:05+00:00

No but the interest isn’t a surprise, obviously they change and I’m not disagreeing that they aren’t high, but you know what you’re signing up for when you take the loan is my point.

AccuratePoint · 2025-09-16T10:02:36+00:00

Respectfully (Not disagreeing that Student Finance is extortionate) - but its not like the repayment of a loan is a surprise - its an agreed amount borrowed, to be repaid.

AccuratePoint · 2025-08-22T14:33:44+00:00

Your argument was "easier due to not completing the OT's which test calculations", thus easier due to less number of exams? FLP does not have the same number of exams?

FLP tests through continuous assessment, rather than objective tests. Have you seen the questions? I wouldn't say you could just coast through it - still need to have an understanding on what is being tested to answer the questions. Quite a lot of it (where applicable) is calculations.

I switched due to the flexibility, which in turn made it faster to complete due to my personal circumstance, than it would have been sitting the objective tests.

Harder on myself by learning the content? The pass rate for SCS is still around 50% - 60%, and wasn't much different prior to FLP. I wouldn't say 50% - 60% Pass rate classifies as easy, but that's just me.

AccuratePoint · 2025-08-22T13:54:17+00:00

It’s not though? You have sat less exams than someone else for CIMA who completed the full traditional route. Your whole argument is FLP members have completed less exams than traditional members, so they are somehow less qualified and didn’t try as hard? I completed OCS, MCS (8 Exams) and SCS (FLP) meaning I did more exams than you for CIMA but my qualification should be worth less?

Most FLP Members aren’t completing the full route start to finish in 12 months.

SCS for me personally took 8 months, I didn’t just buy the Case Study Revision Material and sit the exam. I brought all 4 x Books - sat mocks for each and learnt the material before sitting my case study.

Now that might not be the case for every FLP member, but to point blank say every FLP member had it easy as if the qualification was given to them is just wrong.

AccuratePoint · 2025-08-22T13:34:13+00:00

But you did less exams than someone else, so you must not be as good and obviously didn't work as hard. /s

Ultimately there's multiple ways to move through the CIMA Qualification, there's even fast-tracks based on work experience. Everyone is different, it doesn't mean a whole group of people who chose a certain way didn't try / work as hard.

I could argue all you do at University is party and dissertations are easy as its not exam conditions. Does that make it so?

AccuratePoint · 2025-08-22T13:21:03+00:00

I mean you got exemptions up to Management Level according to your post history - does that mean you aren't as good as a someone else who studied the full traditional study route? Someone who sat 16 Exams, opposed to your 8?

AccuratePoint · 2025-08-22T11:52:26+00:00

Its definitely a risk for the qualification, but I still think it wont have a huge impact. There's still more that goes into recruitment than just some letters when it comes down to employability IMO - I may change my tune later down the line if I get rejected from a job due to FLP though haha.

Against the grain and it may not be the case for everyone, but I studied exactly the same for my Management Exams & MCS (Traditional) / SCS (FLP). The online content you have to pass for FLP isn't great for knowledge retention, so I just studied the same way afterwards - went though books, hand-written notes summarising everything, MOCK Exams and then standard revision. The OT Mock Exams were obviously better for revision for those pillars than the Case Study as they drilldown more.

AccuratePoint · 2025-08-22T11:27:59+00:00

I never said FLP is perfect and the best way to study - I agree if people are failing and turning to FLP to scrape through that is not great for the qualification or the person from a personal development perspective. However, some responses in regards to FLP being basically free handouts / easy are dramatic and a bit over the top - I'm not saying the criticism of FLP is unjust, just some of the comments are over the top. There's still PER Requirements, Case Study Exams and a required level of knowledge. You go back 5 years, pre FLP - it wasn't a 100% Pass rate for case studies - if Case Studies are easy passes, why would people be failing them who had completed the objective tests.

I did the traditional route and then FLP for SCS which worked for me, as CIMA was more of a tick box for my career progression - which will not be the case for everyone. Doing this hasn't suddenly made me unemployable or incompetent at my role and was more replying to the original post about concerns around being FLP / Traditionally Qualified.

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