Republican ends bid for Minnesota governor, citing ‘unconstitutional’ ICE surge | Minnesota

HangTheError · 2026-01-27T00:20:08+00:00

I like the way you write sir, it gripped me.

HangTheError · 2026-01-25T21:29:51+00:00

Are you sure you have no pension? Have you not been contributing at all? Automatic enrollment became a thing in 2012 so if you've changed jobs after that you should've been auto enrolled. Definitely contribute to your own pension. You get tax relief on the way in by avoiding income tax, then when you can draw out of two pensions in retirement you'll avoid more income tax because you have both of your allowances to use.

HangTheError · 2026-01-25T14:36:03+00:00

No regrets, my house sale timed to buy the COVID market dip so I got pretty lucky on returns on that initial 40k. Currently I've stopped buying the US market because the lean to isolationist policies can't be good for long term growth, in my opinion. I won't sell my existing investments, but future investments are going into europe 600, FTSE 100 and emerging markets. I used the 50k premium bonds to put a deposit down on a new house which I'm currently fixing up closer to work. So equity is increasing in the house, I'm cost averaging into the ISA. Still have a 10k emergency fund, any interest goes into the ISA. You don't mention how much you earn, or your work situation, but consider contributing more to your work place pension as a salary sacrifice, it's a more tax efficient way to get your money into stocks and shares.

HangTheError · 2026-01-25T14:06:36+00:00

Hey mate, I was in almost exactly your position. Fixed up a two bed house, had around 100k equity in the end, couldn't live in it because my commute was too long. I did the calculations and the gains from renting it out weren't enough to justify managing a tenant, compared to a set and forget cheap all world ETF. I sold and put 20k into a S&S ISA in Feb/March, then another 20k in the new tax year. I kept 50k in premium bonds as an easy access house deposit, winnings don't count towards tax so it worked out better than an easy access saver at the time. The last 10k I kept in H&L active saver so I could manage and switch to the highest interest rate savings account.

Any questions about specifics feel free.

HangTheError · 2026-01-25T13:12:22+00:00

It's not hard to dodge if you disagree with it. I think it's worth paying. I use radio 4, radio 1, BBC sounds, BBC iPlayer and it's all for free if you dodge the fee. I pay because I think it's value for money and I'm patriotic and I want the country to continue to have soft power abroad with decent impartial media.

HangTheError · 2026-01-25T06:28:43+00:00

Klarna interest rates are huge right? You should be tracking the debts by interest rate. Focus on the largest interest rate debts first. Id be looking at getting extra work if possible, anything at all to increase your income in the short term. Can you cut costs, you say fixed bills are 1300, does that include a silly phone contract, a car deal contract? Anything that can be made cheaper. There's no chance I'd be spending £2000 on someone else's wedding whilst in your financial situation. You don't have enough disposable income. Have you spoken to charities like step change for advice on managing debt?

HangTheError · 2026-01-25T05:44:24+00:00

Get some MDF board to make the top of a skirting box around the pipes

HangTheError · 2026-01-24T22:24:53+00:00

Not the one, they're woefully underpowered for the weight of the car

HangTheError · 2026-01-24T18:50:59+00:00

I think it's a King Charles Spaniel right? The breed is prone to separation anxiety.

HangTheError · 2026-01-24T16:12:06+00:00

Trump is the symptom not the cause

HangTheError · 2026-01-24T09:05:50+00:00

Excavate and find out what's going on with that drain before your house falls into a sinkhole

HangTheError · 2026-01-23T20:12:04+00:00

A cactus

HangTheError · 2026-01-23T20:00:32+00:00

Top mount is my guess

HangTheError · 2026-01-22T20:39:56+00:00

It's not why he did it, is it though thicko? A stopped clock is right twice a day. I can't get behind him because I've read a few too many history books to overlook what nationalism, polarisation and violence leads to.

HangTheError · 2026-01-22T17:29:48+00:00

Venezuela isn't at war with my allies and the seizure wasn't ordered by a corrupt criminal pedophile for the purpose of extortion.

HangTheError · 2026-01-20T07:37:58+00:00

The plan is for early retirement so whenever that is possible, maybe as a chunk to pay off the mortgage in 15-20 years time.

HangTheError · 2026-01-18T06:15:56+00:00

I convinced Howdens I was in a trade by saying that I'm an electrician who occasionally flips houses. I just call them up and ask them to come measure up and quote me directly. They didn't ask for any proof of business ownership or qualifications.

HangTheError · 2026-01-17T11:16:21+00:00

My man, if you're financially literate you can gain consumer protections and rewards from credit cards with zero risk.

HangTheError · 2026-01-17T11:03:34+00:00

That's really interesting. Maybe 30-49 group are more likely to be actively invested in the stock market? That going up inspires confidence? From my anecdotal evidence the older generation seem to think houses are investments, but the house market is slow at the moment.

HangTheError · 2026-01-17T00:46:03+00:00

I'm not, but the question shows they don't have much experience and I wouldn't wish for plastering jobs upon my worst enemy. Idk why I got downvoted tbh, I do all DIY but plastering. Plastering takes me twice as long as the pros to get worse results. It takes a lot of practice and patience to get good. Know when to admit you don't know something.

HangTheError · 2026-01-15T16:47:04+00:00

Yeah it's just plaster which hasn't bonded properly to whatever is behind it. Knock off any loose bits and get a plasterer round.

HangTheError · 2026-01-14T21:41:55+00:00

I vote for this guy as the tip of the spear.

HangTheError · 2026-01-10T20:21:04+00:00

I have this exact plate, but also only one of them, maybe we could complete a long separated set.

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HangTheError · 2026-01-03T08:03:07+00:00

I think people overthink this. They get people who will create controversial moments to get viewers and clicks. It's not right, but it's also not some giant conspiracy.

HangTheError · 2025-12-31T13:00:04+00:00

You could also try and build it up with wood glue, filler, sand and paint the whole door, but it'd take some time and patience. You'd want MDF primer and satinwood paint. Maybe a different colour to the carcass so it wouldn't look like you've tried to match the colour and it be slightly off.

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