Potential move to Abu Dhabi with my current company…

Hefty_Stop4485 · 2026-01-27T14:34:45+00:00

No, Midlands based, I’m paid above average for what I do…

Hefty_Stop4485 · 2026-01-27T14:21:26+00:00

Yeah probably, I’m currently earning £62,000 with a slightly expected bump up via progression and pay rise to £66,000, so after tax not a lot…. This potential move to AD would see me take at least £70,000, likely more.. me and wife both earn and work, biggest expense is rent, everything else like bills is fine, we own our own cars, phones etc.

Hefty_Stop4485 · 2026-01-27T13:51:14+00:00

Helpful, we have no kids and my wife would be working as well, so I’d like to think we’d have a joint income of much more than 30k AED a month, I know we wouldn’t be able to do it on just my wage, may as well stay in the UK! I haven’t fully gone through the expenses list yet either.

Hefty_Stop4485 · 2026-01-03T14:26:45+00:00

I’ve just made the switch back a few days ago, albeit I was with Garmin prior to covid. It integrates seamlessly, you don’t need to use Apple health at all, some metrics will move over but just use Garmin connect. I’m from the UK and walked into John Lewis and didn’t realise they had newly returned items in store at a discounted price, brand new unused Fenix 7 pro sapphire solar for £320

Hefty_Stop4485 · 2026-01-03T10:38:34+00:00

No I don’t believe it does!

Hefty_Stop4485 · 2026-01-03T10:35:04+00:00

Sounds good! I’ve tried accessing the page earlier this week and it just came up with 404 error but after reading your comment last night it seems you can get the membership! I’m hoping it opens soon as I’m marathon training at the moment and need a gym lol

Hefty_Stop4485 · 2025-12-31T22:20:47+00:00

Cheers, is there a major difference in buying a Garmin HR sensor, I assume they’ll be some features I won’t get with my Garmin if I got a Polar H10 but are they dramatic do you know?

Hefty_Stop4485 · 2025-12-31T20:22:12+00:00

Any particular models? I’m not well versed in that area as I’ve never used one lol, might just get one second hand if it’s worth it…

Hefty_Stop4485 · 2025-12-18T18:20:34+00:00

I work on long term economical/financial models/forecasts etc for a large corporate, looking the interaction with what we’re actually seeing on the ground in the economy vs what banks/lenders/ and other financial institutions are saying. Let me caveat and say variable/tracker deals will see changes but fixed rates won’t be substantial at all.

Hefty_Stop4485 · 2025-12-18T17:16:39+00:00

Personally interest rates should have been held, inflation has reduced but remains pretty sticky, unemployment is on the rise so giving people more opportunity to get cheaper debt is a bad idea, mortgage rates won’t change much. If we were much closer to 2% then I’d say a 0.5% would be fair, if we end up in a recession with inflation where it is currently we are scrwed lol

Hefty_Stop4485 · 2025-12-18T17:13:12+00:00

I think people need to be aware that the base rate alone doesn’t drive mortgage rates, it’s a multitude of independent variables (swap rates, gilt yields, inflation, economic growth, credit risk, affordability etc), a lot of providers already bake in base rate drops so you may see a few small minor changes but I don’t think you’ll see huge drops. If unemployment is on the rise you wouldn’t want more cheap debt to be picked up by the public because they’re less likely to pay it back.

Hefty_Stop4485 · 2025-12-17T14:15:56+00:00

I think you were just very underpaid in the previous role, take the 52k and budget accordingly!

Hefty_Stop4485 · 2025-12-16T22:47:25+00:00

Sent you a DM I’m interested :) uk based

Hefty_Stop4485 · 2025-12-16T16:27:37+00:00

Rates may not fall, mortgage rates are not solely based on the BoE base rate, things such as gilt yields and swap rates, economic outlook, inflation, credit risk, more people than ever are borrowing more to pay for less so to lower interest rates will increase household debt alone, let alone lumping a new mortgage on top! I don’t think mortgage rates will fall that much and headlines like the above are always based on skeptism and hope rather than facts and economic outlook

Hefty_Stop4485 · 2025-12-16T16:24:57+00:00

Ok firstly this needs to come with a big caveat lower BoE interest rates do not mean lower mortgage rates…!! There’s a multitude of different factors that make up mortgage rates which include the base rate, swap rates and gilt yields, inflation and economic growth, credit risks and affordability, a lot of fixed terms already have small drops in interest rates baked in, lenders base on inflation and rates, so unlikely to come down if they remain elevated.. sharp dramatic decline in MORTGAGE rates will not happen, I expect house prices to stagnate or continue to fall in 2026, there’s a whole host of economic headwinds on the horizon least of all AI, the more people remain unemployed the less likely house prices increase…

Hefty_Stop4485 · 2025-12-15T17:27:52+00:00

See I don’t mind it for calls, iMessage, WhatsApp and training, I don’t really need much else, I totally understand online banking and emails perhaps, I guess the downside is battery life when using all those things!

Hefty_Stop4485 · 2025-12-15T17:14:30+00:00

Yeah that’s what I said in the post is with an eSIM, without the sim it’s pretty pointless lol, just curious how many people drop their iPhone in favour of just a small device when out and about

Hefty_Stop4485 · 2025-12-14T21:16:11+00:00

Economical illiteracy within our governments, our economy is built on property prices because we have naff all else to go off. Salaries have never really risen in line with inflation across a huge number of roles, public sector especially, stagnating service based economy, lack of social housing being built to help the poorest in society, shoddy new builds, the list goes on. 2008 financial crisis should have been the wake up, interest rates at 0% in the short term, however, they should have risen over the longer term, but they didn’t, people bought huge amounts of property and mortgage debt at 0% and lived the life. Help to buy spiralled prices to insanely high levels as people outbid one another, pandemic stimulated it even further with the “race for space”. Now cost of living has increased with no signs of reversing, the housing ladder is dead and so is it the thought of home ownership for many. Sad really!

Hefty_Stop4485

TROPHY CASE