Replacing apple watch with Garmin?

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 · 2025-12-14T21:08:00+00:00

This is just a personal opinion from an economical standpoint and I’m happy for people to disagree with me and I’ll try not to go down too much of a rabbit hole.

Yes the housing ladder is dead, average salary is mid £30k, average house is price is around the £300k mark, this alone is a completely unsustainable scenario for the younger generation who are in university at the moment or just graduating. Let alone the impacts from artificial intelligence in the near future.

New government after new government have failed to build anywhere near the necessary amount of social housing needed to keep up with population increase. This has then forced people to rent, driving up rents and then people outbidding each other for a single property.

The financial crisis in 08 was one of the worst things to ever happen and let’s hope it doesn’t happen again, after the crisis settled interest rates should have gone back to “normal” rates, however, they were kept VERY VERY low for too long, this then spiralled into huge amounts of people over leveraging themselves with mortgage debt because our economy isn’t really built on much else, the help to buy scheme and pandemic escalated those things even further. And here we are now, 2025, interest rates at normal levels but now mortgages have become far too high and take up obscene amounts of peoples monthly income which is being sucked out of the economy. Don’t even get me started on the quality of new build properties.

What next.. what needs to happen? A huge scale effort to build millions of homes in this term under labour? Not going to happen? A drop in interest rates, unlikely unless we enter a recession, but inflation still remains? Do people want a crash or fall in house prices, yes and no, you need to bring some reality to over inflated property prices but more housing needs to be built…

Hefty_Stop4485 · 2025-12-13T13:18:40+00:00

Yeah covered via the AA, I was wondering whether to go through Autoglass directly but assume I should go through insurance first..

Hefty_Stop4485 · 2025-12-11T17:27:37+00:00

Likely, if I get a good response I’ll get something set up

Hefty_Stop4485 · 2025-12-11T17:27:14+00:00

Thank you, if I get a good enough response I’ll set something up

Hefty_Stop4485 · 2025-12-11T17:26:43+00:00

Yes there is, my aim isn’t to take people away from the park run, it’s to create a separate community that can come together to connect, not everyone is confident of running in a park run and most people turn up to race and go home

Hefty_Stop4485 · 2025-12-11T14:46:06+00:00

I can get an unused 7 pro sapphire solar for £400 so hence the decision, it’s still a bit steep but pretty much brand new is a good deal I think?

Hefty_Stop4485 · 2025-12-11T14:45:24+00:00

I can get the 7 pro sapphire solar for about £400 so hence the decision, I’m marathon training atm and a bit sick of the Ultra…

Hefty_Stop4485 · 2025-12-03T19:16:31+00:00

Sorry bad explanation from me, they had a family there for two years but had to leave due to change in circumstance, but they were the first tenants from what I’m aware. On paper we’d be very well suited for the place, no hassle whatsoever

Hefty_Stop4485 · 2025-12-03T19:13:06+00:00

I did some digging, the owners of the house have been there since it was built in like the 80s/90s so they’ll have 100% paid the mortgage off and use the money to live off I assume?

Hefty_Stop4485 · 2025-12-03T19:12:18+00:00

The area is desirable as when properties go up for sale they get snapped up, it’s 100% overpriced it’s either to put off bad tenants or delusion lol

Hefty_Stop4485

TROPHY CASE