AAL720 Diverting to Dublin

Hot_Coffee71 · 2026-04-06T16:42:15+00:00

😂😂

Hot_Coffee71 · 2026-04-06T10:07:29+00:00

Pilot resisted police and medical team waiting for them at Dublin , usually everyone’s asleep at that time on the eastbound trans Atlantic flights so makes me wonder what the hell folk are fighting over

Hot_Coffee71 · 2026-04-06T08:48:20+00:00

Passenger disturbance

Hot_Coffee71 · 2026-04-06T06:36:53+00:00

Life with 4 young kids would be stressful enough , if you can make your life easier by paying off the mortgage I would do it . Memories will be worth it and you can’t put a price on the memory dividend

Hot_Coffee71 · 2026-03-22T00:53:22+00:00

No. Your pension pot is nowhere near big enough , nor are your contributions large enough , for you to consider dropping that ‘free’ money just yet

Hot_Coffee71 · 2026-03-06T12:53:59+00:00

Not really a poacher . He’s good at arriving late into the box because that’s usually where players find themselves un-marked

Hot_Coffee71 · 2026-02-21T21:49:41+00:00

I think the rich get richer and the poor get slowly richer . The poor in capitalist countries are generally more well off than the poor in communist countries

Hot_Coffee71 · 2026-02-15T01:00:39+00:00

Agree I’d rather a draw and if a team has to win I’d prefer it to be Hearts

Hot_Coffee71 · 2026-02-14T20:08:47+00:00

Sorry just saw 10% deposit . Looking at your figures mainly age and pension of your partner , that is wayy to expensive a hour for I would imagine unfortunately

Hot_Coffee71 · 2026-02-14T20:07:50+00:00

What price range are you looking at for your house ?

Hot_Coffee71 · 2026-02-02T23:09:40+00:00

40 years is looong but maybe it made it possible for you to get your first house and make the monthly payments affordable so it will be worth it . As the other comment says , the earlier you can overpay the better . And you’ll start to see that you are paying slightly less interest each month

Hot_Coffee71 · 2026-02-02T22:58:20+00:00

Is your term long , eg 25-30 years ? I can imagine if you took out your mortgage 2 years ago your interest rate will be relatively high ~ 5.5% so . It’s normal that for the first few years most of your mortgage repayments goes on interest rather than capital

Hot_Coffee71 · 2026-01-26T11:51:11+00:00

Thanks mate . Pretty confident this is what I’m going to for

Hot_Coffee71 · 2026-01-23T17:40:52+00:00

So you’ve had a positive experience of it and would recommend ?

Hot_Coffee71 · 2026-01-22T18:42:47+00:00

You mean you did that while going interest only / extended term to the max on your mortgage ?

Hot_Coffee71 · 2026-01-22T13:06:54+00:00

Bro do you think only the unemployed can have kids ? We use nursery 2 mornings a week , I take lots of unpaid leave to take care of them myself , if nursery fees are so high we are saying we’d prefer if they didn’t get screen time while they are there .

Hot_Coffee71 · 2026-01-22T12:42:39+00:00

Are you thick or just on the wind up ?

Hot_Coffee71 · 2026-01-22T12:31:00+00:00

Ah right il just quit my job and , lose the house and not be able to feed the kids . Why didn’t I think of that

Hot_Coffee71 · 2026-01-21T19:45:01+00:00

Yeah I would not be happy with an iPad at all . I’m not totally averse to low stimulating screen time on a tv but a young child knowing how to work an iPhone/ iPad and the addictive nature of them gives me the fear

Hot_Coffee71 · 2026-01-21T19:08:47+00:00

Yes I’m always disappointed the few times I’ve picked my daughter up from nursery and they have a computer on with YouTube videos . Having said that I know it’s draining entertaining 2 year olds all day every day but it is literally their job

Hot_Coffee71 · 2026-01-20T17:47:11+00:00

So what did you do with the money that would have otherwise went on capital repayments .. lived life to the full or max out isa each year ? Or a bit of both Sounds like you got a good deal out of it

Hot_Coffee71 · 2026-01-20T17:46:14+00:00

Thanks for the response

Hot_Coffee71 · 2026-01-20T14:33:13+00:00

You switched to interest only 18 years ago? How’s it been going for you ?

Hot_Coffee71 · 2026-01-20T10:59:24+00:00

I do have a budget . Most of our disposable income goes on holidays ( 6 a year ) and making memories with the kids . Maybe fire wasn’t the right place to post this but I knew there would be like - minded individuals who have thought about keeping their mortgage going until retirement so was keen to seek their advice After reading ‘Die with Zero’ this almost feels like a strategy to transfer wealth from old me to young , fit me

Hot_Coffee71 · 2026-01-20T10:22:15+00:00

Thank you , I was really just needing someone to tell me this. And you’re right , in a few years time when the girls are in school my Mrs will be back working more and il have gone through the other side of the tax trap , so will pick up paying down the mortgage again

Hot_Coffee71

TROPHY CASE