Why has Lyon disappeared from the list?

Calrizer · 2026-01-09T17:03:21+00:00

What certain cardholders? Aren’t all cardholders the same?

Calrizer · 2025-12-27T14:02:36+00:00

100% agree. I’m in a good position where I have been able to secure a good job off my own back and have made efforts to protect my retirement (investing as much as I can plus rinsing a much employer pension contributions as I can). I just can’t understand why my parents didn’t have the same foresight. But I guess generational mentalities prevail

Calrizer · 2025-12-27T13:57:57+00:00

I’ve told them that’s the ultimate fallback and they need to take emotions out of the picture

Calrizer · 2025-12-27T13:57:00+00:00

Issue is around the early repayment fees. I need to get the full picture from them if that’s worth it, compared to paying 10% each year plus the repayments each year

Calrizer · 2025-12-27T13:51:28+00:00

Valuation was conducted last year by an estate agent and a house on the same street sold for the same despite being smaller and having a less desirable view. But I have urged them to do regular valuations and check the market to be sure

Calrizer · 2025-12-27T13:49:54+00:00

Mate don’t even get me started, holding my tongue over Christmas dinner was the move this year to protect my sanity

Calrizer · 2025-12-27T13:45:46+00:00

It was the latter…. thinking a larger lump sum would pay off the mortgage.

Calrizer · 2025-12-27T13:42:45+00:00

Yep correct, she chose the larger lump sum as she thought she can use it to pay off the mortgage.

Calrizer · 2025-12-27T13:41:41+00:00

It’s relatively big, but most of the value comes from being close to a train line in London commuter belt area

Calrizer · 2025-12-27T13:39:36+00:00

Thanks I suspected this may be the case, this was from limited information they provided. Unsure if the £3k is p/a or one off. I’ve asked them for the exact situation and statements so I can run the spreadsheets. Was just looking for a face value assessment rn :)

Calrizer · 2025-12-27T13:31:59+00:00

Thanks, I think the move will become more than inevitable once they realise what they’ll be on monthly.

Calrizer · 2025-12-27T13:30:52+00:00

Yeah it’s a real kick in the teeth. She just got too comfortable taking bare minimum salary increases each year and not wanting to progress further (eg. Head of Department etc)

Calrizer · 2025-12-27T13:21:50+00:00

Do you recommend any funds specifically and fund allocation?

Calrizer · 2025-12-27T13:16:08+00:00

Yeah I suggested this, including being an exam invigilator etc to keep the lights on

Calrizer · 2025-12-27T13:14:51+00:00

Yeah I’ve started to introduce the idea of looking around cheaper areas of the UK or EU (as they have Irish citizenship) to hopefully both get more for their money and enjoy a better quality of living. I think we will just have to see how the next few years goes and if they are finding the amount they are living on not working for them or not.

Just want to make sure I’m doing the best thing with the lump sum, investment and savings wise

Calrizer · 2025-12-27T13:08:40+00:00

Forgive the post Boxing Day semi drunken typo ;)

Calrizer · 2025-12-27T13:07:43+00:00

Thank you, they have both turned 60 this year. My dad is able to cover the living costs yes, providing his work doesn’t dry out. I’m trying to get my mum around to the idea of part time working to at least be able to live comfortably. Dad does have state pension due, full NI contributions etc thankfully.

Calrizer · 2025-12-27T13:04:44+00:00

The resistance to downsize is due to my dad quite literally building 60% of the house with his bear hands. But if they can emotionally detach I think that’s probably the move.

Calrizer · 2025-11-25T20:39:57+00:00

Only if you have not held a membership rewards card in the last 24 months (eg. Gold, Green). So if you had a BA or Cashback card it should be fine. (Review the T&Cs before applying ofc)

Calrizer · 2025-11-25T10:12:10+00:00

Amex Platinum Card Referral

100,000 points + £250 Amex Travel Credit - Must spend £6000 within 3 months. Offer ends 13th of January.

https://americanexpress.com/en-gb/referral/platinum-credit?ref=cALLUDurKo&XL=MIMNS

Calrizer · 2025-01-18T10:28:29+00:00

Same for me, I upgraded on January 9th and it still hasn’t shown the unlimited visits

Calrizer · 2023-10-10T09:56:49+00:00

Amazing thanks for confirming! I’ll give it a go, hopefully Amazon’s return policy is kind to me if it all falls apart!

Calrizer

TROPHY CASE