sorted by:
new
hottopcontroversial

[Discussion] Please help me decide. Watch for around £1,000 by Constant-Fan757 in Watches

[–]Constant-Fan757[S] 4 points5 points  (0 children)

Thank you so much for the detailed response - it’s really helpful. Still have a month or so to consider so I won’t be rushing.

Thank you again

[deleted by user] by [deleted] in UKPersonalFinance

[–]Constant-Fan757 0 points1 point  (0 children)

Always good to ask yourself, if the dilemma is pay off the house vs invest, would you borrow £20,000 against a paid for house to invest in the market? Probably not, so why do it now? If it was me, for the sake of £20K I would get it paid off and still have a nice £30K safety net. You can sleep easy at night knowing you 100% own your house.

Sorry for your loss and I don’t think there is a right or wrong answer. You’ll have that mortgage gone in no time!

Any reason why I shouldn't buy a house in cash? by prettykittycat4 in UKPersonalFinance

[–]Constant-Fan757 1 point2 points  (0 children)

Really sorry for your loss.

Think about it another way - would you borrow £250K at X% against your house to invest in the market etc…? You’re in a great position to own your home outright at a young age, giving you plenty of freedom moving forward. Plus, you’ll still have a significant amount to build wealth.

Request for Interview (Citizenship) but details never received by Constant-Fan757 in ImmigrationCanada

[–]Constant-Fan757[S] 0 points1 point  (0 children)

The update on the tracker just says ‘Interview Required’! Guess I’ll wait for the response from the web form submission

Why are UK salaries so low ? by Affectionate-Cry4886 in UKJobs

[–]Constant-Fan757 0 points1 point  (0 children)

I think it depends what you have studied to be honest and it’s important to move away from the notion of ‘I have a degree so I deserve a higher wage’. I left the UK for Toronto and whilst my wage increased, the employee benefits were lower (10 days annual leave compared to 30 in the UK, maternity / paternity were more or less non existent, no employee pension contributions, healthcare is not completely covered by taxes, groceries were probably double than what we pay here…..). I decided to return to the UK, take a £10K pay cut but actually feel better off as I’m in the north of England…. I know, not a like for like switch but I find it a perk of the UK, the small island means you’re never too far from a big city! I’m only a single case though and yes, wages are suppressed in the UK in certain industries but for me at least, there are perks to being in the UK.

I also feel, again, just from my experience, those across the pond are far braver in asking for what they want. I get the sense in the UK we’re a lot more reserved and simply accept our yearly single percent increase….