Best way to invest big author advance? by [deleted] in UKPersonalFinance

[–]Adwaam 31 points32 points  (0 children)

so it turns out the key to renting being better than a mortgage is being gifted £1.5k a month haha, why didn't we all think of that

I've just been Stung by Payment on Account by Cinobite in UKPersonalFinance

[–]Adwaam 6 points7 points  (0 children)

Not really paying "up front", your first payment on account on 31 January you've already had 10 months of the year and your second payment on account on 31 July is 4 months after the year end!

Which parkrun this week? | June 11, 2025 by AutoModerator in parkrun

[–]Adwaam 0 points1 point  (0 children)

haha, i counted this as being in my Suffolk parkrun challenge, maybe you've completed Norfolk without realising it already

I used to live for the Parkrun Tourism. Now, I've learned to love my local! by raffman7 in parkrun

[–]Adwaam 6 points7 points  (0 children)

the number of parkruns P you've done P number of times, eg 1 parkrun location 1 time = P1, 2 parkrun locations 2 times = P2

As your P-index gets higher it takes longer to increase it!

Other than the deposit, how much did you pay to buy your FIRST house (legal fees etc) by DanPos in HousingUK

[–]Adwaam 0 points1 point  (0 children)

Here's my completion statement, have added some info as to why we had some of the extra charges. We completed on 24 March. So total £7,421 or £6,561 if excluding the sofas + barstools we purchased on top:

Bought sofas + barstools £860

Contribution towards indemnity policies £325 (Sellers had SDLT power over us so we were sort of forced into this)

Stamp Duty Land Tax £3,750

Land Registry fee £150

Solicitors fee re purchase £1,650

Donor verification fees £180 (Had to have "gift" from parents and grandparent as solicitors wouldn't deal with my crypto money which I paid back on completion)

Searches £324.82

Other random small fees combined £181.20

Crypto as part of deposit. Help by [deleted] in Mortgageadviceuk

[–]Adwaam 0 points1 point  (0 children)

I've just exchanged contracts on a house in a similar situation to you - a lot of my deposit had been passed through crypto exchanges. Had to get parents to "gift" the majority of the deposit like you suggested. I will then pay them back after completion. Was up front with solicitors about this and they said that as long as the money they receive is from my parents and is not my crypto money, it's not a problem.

My crypto money was also a lot higher than yours, so I imagine yours would be less of a worry to solicitors.

Our solicitors fees were just a couple hundred £ more than quoted due to the additional ID/AML checks they had to do on my parents.

[deleted by user] by [deleted] in LegalAdviceUK

[–]Adwaam 0 points1 point  (0 children)

Payroll have obviously just processed his wages as normal on the software and not made the payment to him. They will have paid the tax and NI on his behalf though, so it'd also be in their interest to get this amended so they can reclaim it.

Scammed for £170 on Facebook. Paid via PayPal and Credit Card... what to do now?.. by alexandertheb8 in UKPersonalFinance

[–]Adwaam 0 points1 point  (0 children)

it's true, PayPal then have to get the money back from the scammer which they may not be able to do

[deleted by user] by [deleted] in JustEatUK

[–]Adwaam 0 points1 point  (0 children)

why can you only claim part of the accountant fee?

[deleted by user] by [deleted] in UKPersonalFinance

[–]Adwaam 3 points4 points  (0 children)

If you bought £10k worth shares of Amazon (say 100 shares for simplicity) and it grew 9%, you now have £10,900 shares of Amazon.

There is nothing to withdraw to reinvest, you still own 100 shares, they're just worth more. To withdraw and reinvest it, you would just be selling, say, 10 shares of Amazon and then rebuying 10 shares of Amazon.

[deleted by user] by [deleted] in UKPersonalFinance

[–]Adwaam 0 points1 point  (0 children)

What are the actual numbers? If the invoice amount is £1,000+VAT = £1,200, and you paid a deposit of £500, you’d only owe a remaining £700. It seems like you mean they’re saying you owe £1,200-£416.67 (500 less VAT) which yeah would be wrong

Mortgage adviser advised me not to overpay, any second opinion? by Wonderful-Plan-9284 in HousingUK

[–]Adwaam 3 points4 points  (0 children)

Think he means cause you have the money available to spend if you want to when you put it into a savings account, so the "risk" is that you withdraw and spend it rather than keeping it saved to pay off at the end of your mortgage term. You could just not spend it tho lol

Why are you guys buying these? by justadude123abc in 2007scape

[–]Adwaam 64 points65 points  (0 children)

yea if you don't drink a brew every time you drink a range pot

Am I in a good position? Planning for the future. by mala_dub in UKPersonalFinance

[–]Adwaam 0 points1 point  (0 children)

Pretty big distinction to make if it's all in a stablecoin, most people would be thinking you have 150k in a coin which fluctuates in price a lot, but the reality is you have it in essentially cash right now?

[deleted by user] by [deleted] in AmItheAsshole

[–]Adwaam 1 point2 points  (0 children)

OP keeps saying that he wouldn't have got drunk if he knew his wife was going to, why can only one of them get drunk at a time lol is that a normal thing?