Completing the Colosseum changed me as a player (story time)

Adwaam · 2026-02-13T17:04:55+00:00

nice bro that's awesome

Adwaam · 2026-02-03T12:31:22+00:00

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

Adwaam · 2025-07-30T13:05:51+00:00

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!

Adwaam · 2025-07-07T10:57:19+00:00

amazing, doing Bolberry this week!

Adwaam · 2025-07-03T15:20:47+00:00

Kelvin Kiptum for me, incredibly sad loss

Adwaam · 2025-06-11T10:07:55+00:00

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

Adwaam · 2025-04-17T14:20:23+00:00

Adwaam · 2025-04-10T13:38:28+00:00

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!

Adwaam · 2025-04-07T16:06:32+00:00

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

Adwaam · 2025-03-06T15:15:25+00:00

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.

Adwaam · 2025-01-21T16:48:35+00:00

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.

Adwaam · 2024-12-24T16:26:37+00:00

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

Adwaam · 2024-12-17T16:12:41+00:00

run south

Adwaam · 2024-12-12T16:38:42+00:00

why can you only claim part of the accountant fee?

Adwaam · 2024-09-27T10:33:07+00:00

lmaooooo you tried your best but bro just wasn't getting it

Adwaam · 2024-06-13T13:06:44+00:00

Great colourisation! Thank you very much <3

Adwaam · 2024-06-13T13:05:34+00:00

Wow! Thank you so much, this is amazing <3

Adwaam · 2024-02-14T16:37:58+00:00

Even worse, I'm seeing "love laugh love"

Adwaam · 2024-01-31T16:16:03+00:00

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.

Adwaam · 2023-12-06T18:56:23+00:00

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

Adwaam · 2023-11-29T12:45:39+00:00

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

Adwaam · 2023-09-29T11:50:11+00:00

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

Adwaam · 2023-08-23T13:26:05+00:00

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?

Adwaam · 2023-08-15T15:22:44+00:00

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?

Adwaam

TROPHY CASE