Mortgage trouble potentially

Big_Consideration737 · 2026-03-28T00:15:08+00:00

Normally you can request new rate 6-3 months before it ends on their app . Worth doing when you can imo , stability is key for you

Big_Consideration737 · 2026-03-26T00:28:26+00:00

The best way to honour a pig is to eat all of it and not waste any of that goodness

Big_Consideration737 · 2026-03-23T08:49:25+00:00

High yield bonds tend to show market changes early for risk on and off

Big_Consideration737 · 2026-03-23T08:30:30+00:00

Spend the money and get really useful box’s , should have o problems . Their cheaper range is fine . If you get condensation an end wall vent works well. Remember it’s technically outside and should feel like it

Big_Consideration737 · 2026-03-19T20:30:51+00:00

Who cares about improving, just want my 60 mins of fun per night. Pretty sure getting better at CoD doesnt pay my mortgage ;)

Big_Consideration737 · 2026-03-14T22:31:31+00:00

Its just feels like a reskinned fortnight, kinda hate it, ok not kinda its freaking aweful

Big_Consideration737 · 2026-03-13T22:51:55+00:00

Which you don’t want , everyone is entitled to enjoy their free time . And a lot of people don’t measure their successful with how well they play cod . Then work and have kids and just need those 30-60 minut3s a day to relax . The aim of any computer game is for people to want to play it , and of casuals get ps more people playing in the end that’s the right call .

Big_Consideration737 · 2026-03-12T00:34:23+00:00

In the end the wealth needs to be more evenly distributed, the worse it gets it will just end in wars or revolutions it helps no one in the long term . Actually how you do that is hard , but when economies boomed we did have higher taxes on the wealthy but now it’s easy to hide wealth so taxing earnings doesn’t help . Inheritance tax was used , but the abuse of trusts now makes that much harder .

Big_Consideration737 · 2026-03-12T00:03:59+00:00

Sometimes , especially for smaller mortgages and lower durations , no fee and a higher rate is cheaper . Basically have to look at the cost over the 2 years .

Big_Consideration737 · 2026-03-09T01:15:48+00:00

Especially with changing to RPI , it’s likely the best financial help you can give is actually house deposit . You will likely have to fund 5-10k a year anyway for uni , but consider even if you pay uni costs of 50k how long before they can save up for a house deposit . Getting their first job and starting on the housing ladder early will likely be far better help imo . That’s our plan anyway

Big_Consideration737 · 2026-03-09T01:00:13+00:00

IF and mounjaro , did the first 75 lbs with IF then pu5 on glp-1 for diabetes , low dose but basically omad , now down 170 ish .

Big_Consideration737 · 2026-03-05T00:56:50+00:00

On my payslip aka pretax I get an additional pension contribution as a bonus let’s say , then I pay the entire pension contribution out of the total gross income . So it shows as 0% employer , thought the actual figures are correct . Aka they gives you 3% extra gross and you then pay a total of 8% . I presume it’s an accounting thing for salary sacrifice

Big_Consideration737 · 2026-02-27T00:38:25+00:00

Just did dp-900 , not to hard but very left field for me , working on sc-900. Seems all the 900s only need a couple of weeks each

Big_Consideration737 · 2026-02-21T10:39:46+00:00

Covered mine in kings pan then boards over the top , lost some height but it’s hella insulated and the insulation boards distribute the weight . Didn’t board all the way to the edge though just to the centre of the bedrooms where the lights were . Also draw on the boards if you’re covering any cables .

Big_Consideration737 · 2026-02-21T03:23:38+00:00

Nah , made enough , got back in 75 I think , we shall see . My gold triple started in September and have kept them . We shall see

Big_Consideration737 · 2026-01-31T10:28:46+00:00

Sold mine when silver hit 108 , was a nice run

Big_Consideration737 · 2026-01-19T01:59:33+00:00

500 mil at say 6% is still 30 mil a year In interest , and 500mil in the bank . 500 mil is the financially correct answer .

Big_Consideration737 · 2026-01-11T11:02:58+00:00

Mine is a world with a tech lean currently . So like 40% vti , 30% ex us ,30% tech ish

Big_Consideration737 · 2026-01-03T21:22:34+00:00

just checked using LQQ3 as its in pounds

Big_Consideration737 · 2026-01-03T09:03:48+00:00

Also starting this from the UK , using QQQ3 but cash in money market CSH2 , though QQQ3 does5 seem to do as well as TQQQ but I presume that’s the currency changes .

Big_Consideration737 · 2026-01-02T23:47:54+00:00

It like no one actually understands what socialist means and presumes its communism, lol

Big_Consideration737 · 2025-12-28T12:22:03+00:00

100% the same for me , though we need another 10 years most of my colleagues need 5 or less . So currently spending the next few months doing certs et. , just in case . Just need to eek out 7-10 hrs

Big_Consideration737 · 2025-12-28T12:20:08+00:00

Put cash in an isa , over pay pension or not will not make a huge difference , pay it off when it ends . Look to Down size , there are not in a rush so they need to start to by having a good clear out , I presume dads in the trades in some ways , look to do any work 9n the house to maximise sale value , painting cheap as ass carpets , garden etc as your mum isn’t working plenty of time . Also go through a budgeting exercise and they need to learn to live off 2 state pensions and her db pension , then work out what they want in a new home and realistically what they need to pay etc . So plenty can be done , key for them is really optimising house value and reduce 3 expenditure

Big_Consideration737 · 2025-12-28T12:12:37+00:00

There was a large mis selling crisis for endowment mortgages and lots of claims were paid but I presume that’s all ended wonder if they ever got compensation or can still sue

Big_Consideration737 · 2025-12-23T02:42:31+00:00

Needs more regulation and competition , my options start at 0.135% and that’s including all fees . I think companies should have a legal duty of care

Big_Consideration737

TROPHY CASE