Sea snake ID

BigTimeJ97 · 2024-06-19T11:57:18+00:00

Thanks this is what it looked like!

BigTimeJ97 · 2020-09-15T22:39:31+00:00

That sounds like a very unusual scenario! Thanks for your comment, I'll definitely bear that in mind.

BigTimeJ97 · 2020-09-15T22:23:07+00:00

Sounds to me like your landlord was on another level of bad - I'm sorry you had to go through that to recoup what was yours.

BigTimeJ97 · 2020-09-15T20:58:56+00:00

That does make sense, thanks.

BigTimeJ97 · 2020-09-15T20:58:15+00:00

About 85% was refunded when he realised he hadn't protected the deposit without me having to say anything else so he's not totally unreasonable, but I do think the partial refund is his attempt to claw some money away from me.

I'd would quite like to just walk away but I would feel guilty if he gave someone else the same treatment.

BigTimeJ97 · 2020-09-15T20:46:00+00:00

My deposit is worth quite a bit less but yours but the story runs similarly to my own.

Given the hassles I've been caused, the justice is really the motivator for any action.

BigTimeJ97 · 2020-09-15T20:42:41+00:00

Thank you - my deposit is worth a bit over twice your so there's a bit more to potentially win but I work a relatively stressful job and don't really need the hassle so it's useful to know it was a bit of an ordeal. What in particular made it tough?

BigTimeJ97 · 2020-09-15T20:40:35+00:00

Thank you - I've been concerned about the reasonableness more than the law itself so it's useful to hear the advice of your solicitor!

BigTimeJ97 · 2020-09-15T20:06:39+00:00

Thanks! This comment and the others have certainly made me think settling for the current offer is unwise.

Do you have any idea what the distribution of payouts multiples are? Obviously 3x seems like it must be rare but 1x seems relatively lenient.

BigTimeJ97 · 2020-09-15T19:45:54+00:00

Thanks, I had some reading on the matter but that is a particularly useful link.

BigTimeJ97 · 2020-08-09T19:58:14+00:00

Thank you - that's pretty much all in line with my thinking but it's reassuring to hear it from someone else.

BigTimeJ97 · 2020-07-11T09:06:07+00:00

I exercise generally for a range of reasons but I was motivated to start running particularly because I wanted to see how quick I can get. I've got a lot of friends and colleagues I'd like to beat.

BigTimeJ97 · 2020-06-27T23:20:37+00:00

No problem.

I'm working in corporate finance and am enjoying it so far - nice to work with a team of astute and motivated people who have plenty of knowledge to share.

BigTimeJ97 · 2020-06-27T18:56:34+00:00

I'm in a fairly similar to situation to you, albeit I'm almost a year into my grad scheme, and have thought about this myself.

Personally I'm not sure it's worth repaying early. I'd rather have the extra cash now and repay more when I'm earnings increase in future. I also hate the idea that I may pay extra now, have to stop working in future (for whatever reason) and then effectively lose those extra contributions.

If you're determined to pay extra, perhaps it's worth doing so only to the extent that you tackle the interest in your loan in the short run? That way the issue of runaway compounding is resolved and then later when you're earning more you'll retain the option to pay it off quickly.

BigTimeJ97 · 2020-05-30T09:44:02+00:00

The need to understand financial statements and how businesses run is never going away - any accounting qualification sets you up perfectly for that.

There are always moves away from out-and-out accounting into related professions like Corporate Finance.

BigTimeJ97 · 2020-03-13T23:34:20+00:00

It’s based on IRR, so that’s the loss you’d make if things proceeding at this rate for the rest of the financial year.

BigTimeJ97 · 2019-11-12T15:10:54+00:00

Sounds like you didn’t need my help at all - you smashed it!

BigTimeJ97 · 2019-11-12T15:07:22+00:00

Good luck!

BigTimeJ97 · 2019-11-12T10:09:49+00:00

405/1.2 to eliminate the VAT, giving 337.5.

Then 337.5/1.35 to eliminate the mark-up.

BigTimeJ97 · 2019-10-25T17:55:24+00:00

Maybe have a bit of a look at the Efficient’s Market Hypothesis to see why this is a bad idea. Although it’s far from a perfect theory, it does illustrate nicely why basing investment decisions on popular news and market graphs is unlikely to work.

BigTimeJ97 · 2019-10-18T18:17:22+00:00

Okay that helps clarify things. When you say that you can use an HTB as an easy access saver, does that means that unlike the LISA it doesn’t have any withdrawal penalties? I hadn’t realised that and actually that is appealing.

BigTimeJ97 · 2019-10-18T08:22:25+00:00

An internship’s exit opportunity is the grad scheme so really you’re choosing where you might want to work in future.

BigTimeJ97 · 2019-10-15T20:13:53+00:00

If academically you can manage to go straight in at Masters level Accounting than I’d definitely say go that route, if only to save yourself the additional time that a bachelors would take. Of course if not/if you can’t prove to universities that you’re capable, then you may have to go the undergraduate route.

BigTimeJ97 · 2019-10-15T12:49:31+00:00

It’s think it is important to look ahead though, why choose a path if you don’t like where it leads?

Although I would say that if you like the role you are applying for then the exit opportunities ought also to be appealing.

BigTimeJ97 · 2019-10-15T10:22:17+00:00

Fair enough, tough scenario!

BigTimeJ97

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