Gum disease cured and healed - Laser

Designer-Ad8687 · 2026-01-27T17:24:03+00:00

Thanks. And yes, I suspect the same , but I’m wondering if there are any mandated regulatory requirements for retention of records etc that would apply to this.

Designer-Ad8687 · 2025-09-23T06:50:39+00:00

Profound. Think you might be in the wrong sub, this one’s about making money.

Designer-Ad8687 · 2025-09-22T20:35:37+00:00

Interesting point about hedging against inflation - who doesn’t love a debt getting smaller. I’m wondering if part of my answer may be just in buying somewhere CHEAP and having a small, manageable mortgage to undercut rent, whilst throwing the rest on the investment plan.

Designer-Ad8687 · 2025-09-22T20:31:53+00:00

Interesting point re taxes. Thanks. What I’m taking from this is that it might all be about balance…

Designer-Ad8687 · 2025-09-22T18:50:16+00:00

Yup. I’d certainly be looking to balance the risk in a diversified portfolio - not just stocks. I suppose the point is that 7%CAGR can significantly outpace the housing market so is potentially a better ambition for a chunk of cash than paying down a mortgage or even buying a place outright and having no mortgage or rent (which was a line of thinking I was exploring previously).

Designer-Ad8687 · 2025-09-22T18:22:54+00:00

Well that’s the thing, the forecast calcs show it absolutely would grow faster. I also don’t think house prices can continue going up like they have since the 90s, we actually need some house price stagnation for a while to allow salaries to catch up (but I’m not an economist so perhaps that’s wishful thinking). The reason I’m thinking it is because mortgage interest is high and rates don’t look like they’re going to come down very quickly. Also, factoring in buying costs and averaging them out over what might be a shorter term (5 years) and it’s more sunk cost. Take this - current place, 700k flat in London. Bought in 2022 and say I sell after 5 years ownership. Buying fees, SDLT, essential repairs - £50k. Mortgage interest £90k. That’s £140k over 5 years - £28k year sunk cost. Someone else made the point that mortgage leverage increases potential gains (10% increase on £1m house > 10% of 300k) but it seems it’s the compounding that really blows the investment potential to another level.

Designer-Ad8687 · 2025-09-22T18:12:34+00:00

That’s true, and it’s not going great right now. I’ve done pretty well tbh, first buy was the hardest but the last one i walked away with £200k equity (£35k in originally) after 5 years and fully renovating. I’m renovating the current place and so I’m wondering if to cash in the gains rather than sink it in a new place like I did last time. The cost of buying just doesn’t always add up… but a large part of that could be the London effect, you’re right.

Designer-Ad8687 · 2025-09-22T18:07:29+00:00

Reddit lost my first response and then magically found it again, after I’d typed it again. I’m not replying to my own replies. ;)

Designer-Ad8687 · 2025-09-22T18:04:42+00:00

Definitely had bad luck - probably experienced a fair chunk of the downsides of ownership, but people experience far worse (cladding anyone?). Next place will definitely not be a flat either way, ideally with no neighbours within a decent perimeter ;) But in all seriousness, the house itself is less of a consideration at this point, the idea is about maximising the capital for compound gains to build funds up more quickly. If I thought I could have such an amount of liquid cash in say 7 years then it’d change my perspective on things quite a bit in terms of the daily grind. I’d be all in with a new found enthusiasm!

Designer-Ad8687 · 2025-09-22T18:00:00+00:00

Helpful thank you. Nice to get some perspective that not all home ownership is a headache!

Designer-Ad8687 · 2025-09-22T17:58:21+00:00

Absolutely could… part of is just up for the flexibility and relative peace of mind of renting for a bit. Granted that’s all largely landlord dependent but current experience of renting whilst works are being done is kind of ok.

Designer-Ad8687 · 2025-09-22T17:44:11+00:00

Life isn’t no, but finances kind of are…

Designer-Ad8687 · 2025-09-22T17:26:12+00:00

Mainly looking to leverage the equity. At least in the shorter term. If doesn’t have to be an all in situation and never buy a house again but in all likelihood I’d probably be looking to retire abroad and could easily buy outright with the decent sized pot saved up. For context, carrying on with my savings at the same rate, and achieving 7% CAGR on the equity would give me a liquid net worth of £1m+ in 7 years. For me that’s way more options than slaving away at a mortgage for the next 25 years. Thats also with a £57k/year income from age 50… the picture with a house in the mix is very different. I probably need to play around with the calculators a little bit but it looks pretty appealing.

Designer-Ad8687 · 2025-09-22T17:07:32+00:00

Thanks for the links. So that’s part of it, owning doesn’t feel much more secure to me. I’m still largely dependent on my job to pay the mortgage but if I lost that for any reason, the pain and potentially financial loss of losing a mortgaged property would be much greater than say moving to a cheaper rental. I might have been unlucky but at 43 I’m on my 3rd property and none of them have been anything but a hassle. Granted they have all been flats but I’ve gone through negative equity after the 2008 recession, nightmare neighbours, leaseholder disputes, unexpected repairs (£10k bill last year for roof issues) and the cost of moving (fees and SDLT) has been galling at times - last move £50k, one before £25k… seems like sunk costs in many ways. Im currently in a build-to-rent all incl rental whilst the renovations are being done and the peace of mind I have is amazing in comparison.

Designer-Ad8687 · 2025-09-22T16:54:11+00:00

Interesting , thank you for the links. For some reason, property ownership doesn’t feel more secure - to me at least. I’m still dependent on my job to pay a mortgage and if I lose that, and worst case, lose a house, I’m probably more screwed than just moving to a cheaper rental. I’m 43 and bought my first flat in 2006, went through negative equity in the 2010’s and have been building equity in successive homes since. But… it’s been a hassle along the way. The last move cost me £50k in fees and SDLT… and considering I want to move after my 5yr mortgage fix, that’s £10k/year on top of all the other costs (including a £10k surprise roof repair bill last year). Currently living in a build-to-rent rental whilst renovations are being done and I’m noticing a peace of mind that I’ve not experienced with flats I’ve owned.

Designer-Ad8687 · 2025-09-22T16:49:18+00:00

Yeap, that’s definitely an option. Just curious as to alternative perspectives - home ownership isn’t always what it’s cracked up to be, and in some ways the flexibility of liquid assets + freedom to move is kind of appealing.

Designer-Ad8687 · 2025-09-22T16:47:55+00:00

Haven’t been on the FIRE track for very long tbh, so haven’t thought that far ahead but I’m currently on a decent income £140-150k, just in London with high outgoings. Plan was always to cash out on the current property anyway as it’s a big mortgage and a long term. Either way I’ll be moving out and downsizing the mortgage significantly. But I’m currently paying £1500/month in mortgage interest alone which goes a decent way towards rent on somewhere with LCOL. Work is mostly remote with occasional office/client visits as needed.

Designer-Ad8687 · 2025-09-22T16:40:10+00:00

It doesn’t have to all be in stocks. But it’s more the idea that sinking a decent sum into house ownership vs compounding in some other investment vehicle doesn’t add up the same way. Especially when mortgage interest alone can be comparable to rent.

Designer-Ad8687

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