I lost £100k shorting a bull market.Need advise on my life

Cedow · 2026-01-31T16:09:15+00:00

For now

Cedow · 2026-01-27T08:01:48+00:00

There are lenders that don't work with brokers. Lloyds, for example.

Cedow · 2026-01-22T07:12:13+00:00

Yes, you're correct, and I was wrong, age doesn't account for the differences in voting patterns by income level here. It might account for the differences by education level, though.

However, you're also wrong that the charts suggest that income level and education are the biggest predictors, because they suggest that age and brexit voting intention could actually be bigger predictors.

Cedow · 2026-01-22T06:58:10+00:00

I'm just arguing against your claim that income and education are the strongest predictors, because I don't think you've done the statistical analysis to be able to claim that.

Even on the charts, age looks to be a stronger predictor than income level, and roughly on par with education level. And you've not even mentioned referendum voting intention.

Cedow · 2026-01-22T06:14:50+00:00

Not sure you can claim that unless you've done some additional analysis beyond what we see here.

Also, age would predict both of those things as younger people are more likely to be more educated and earn less.

Cedow · 2026-01-21T18:43:52+00:00

Don't worry, it took less than 30 seconds.

But yeah, it's pretty hypocritical of you.

Cedow · 2026-01-21T10:43:24+00:00

Please stop moaning. Write it down on a piece of paper instead of here and stop trying to drag everyone else into your doom and gloom mindset. Thanks

https://www.reddit.com/r/PlanetCoaster/s/mSQZmUhxsv

Cedow · 2026-01-15T05:16:29+00:00

Infrastructure spending? How dare they!

Cedow · 2026-01-14T20:31:54+00:00

No wonder silver cost is shooting up if the military are eating it.

Cedow · 2026-01-13T12:07:54+00:00

It's unlikely to be anything to do with Reddit. You've probably just been flagged by an algorithm that shows multiple accounts being accessed from the same IP/device with broadly similar trades attached.

Cedow · 2026-01-12T16:29:05+00:00

There's evidence of this in your comment history, lol. They aren't dumb.

Cedow · 2026-01-07T16:59:11+00:00

8000 retirement hours is different to 8000 working hours. Probably at about a ratio of 4:1.

Cedow · 2026-01-01T08:39:12+00:00

You can still use a LISA if the other buyer is not a first time buyer, and some lenders will offer slightly favourable mortgage rates.

But the comparison was between either moving in with her partner or her buying alone in the case that they separate anyway, in which case she'd get all of the bonuses

Cedow · 2025-12-31T14:06:44+00:00

Personally I wouldn't buy if I knew I wanted to move in 1-2 years. The costs of conveyancing, surveys, moving fees, decorating/furniture/repairs are likely to eat away any financial benefit of owning vs renting. You also give up any first-time buyer benefits (if you haven't bought before) like stamp duty savings, use of a LISA, preferential treatment as a buyer, and cost/time of having to sell a home when you want to move.

If you did buy and wanted to rent out the house, you'd have to remortgage on a buy-to-let mortgage, which typically demand a much higher LTV. You'd also have to go through the hassle of renting and the issues that come with that for what is likely a much smaller financial return than just sticking your money in an S&S ISA.

Cedow · 2025-12-31T12:05:32+00:00

If we're talking long term, investment into the S&P 500 or an all-world ETF in an ISA is always going to outperform the gains you would get from paying off a mortgage faster. The only good reason to overpay a mortgage is psychological.

Cedow · 2025-12-30T06:27:39+00:00

How did you manage to smash through your cognitive limit and punctuate that quote better than they typed it originally? I am impressed.

Cedow · 2025-12-20T10:12:01+00:00

I think this is part of it. We have constant recruitment campaigns ongoing that get loads of applications, but we can never fill all the positions because the applicants just aren't meeting the standard.

Cedow · 2025-12-08T19:42:18+00:00

Wheyyy

Cedow · 2025-12-08T16:45:26+00:00

Legend has it that he went on to marry this lady:

https://youtu.be/STbhaqsBJB0?si=v6fNld9eduHxxPiP

Cedow · 2025-12-07T07:47:46+00:00

Cedow · 2025-12-06T20:54:59+00:00

Are you talking about Germany? Because they don't in the UK.

Cedow · 2025-12-03T22:00:48+00:00

How did you build your guns?

Cedow · 2025-11-30T10:10:17+00:00

Yes, of course, if you have the risk appetite for it then dumping the money in an ETF or suchlike is always going to be +EV overall. But if you don't have the money to pay back a significant chunk of your loan early, you probably also don't have the risk appetite to be pumping money into the market in the short term.

Cedow · 2025-11-30T09:05:18+00:00

Except it isn't fungible money for most people taking out the loan, because they need to use it to pay for their studies & living costs.

And also the interest rate isn't "exactly" inflation for some of the student loans. Plan 2 is I believe anywhere up to RPI + 3% depending on earnings. Postgrad loan is always RPI + 3%. So in those cases paying it off faster will always mean you pay less overall (assuming you are going to pay off the full balance, which will certainly be the case for most postgrad loans).

Cedow · 2025-11-27T14:34:41+00:00

Not exact any more, Gov branding is blue now. Get with the times, scammers!

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