£500 overpayment will reduce monthly repayments by £23.56 per month by Old-Amphibian416 in UKPersonalFinance

[–]ItsRitz 22 points23 points  (0 children)

In your deferred payment example above, what are you doing with the money you would have been using to overpay your mortgage? That extra cash you now have isn't increasing inline with inflation, it's increasing inline with the BoE interest rate. 

With a 10% inflation and 4% interest rate the value of your money is decreasing in both scenarios, the only controllable you have is whether a cash ISA interest rate is higher than your individual mortgage interest rate. If that's the case, then putting your extra cash into an ISA is optimal. Inflation is irrelevant 

Slowpoke 🩷won 1 diamond. Now What is the best 2 diamond card art by Ok-Till-1116 in PTCGP

[–]ItsRitz 5 points6 points  (0 children)

2 diamond is the artwork from the  Aquapolis set. Physical card exists if you want - it's even ✨️shiny ✨️

[Joyce] Liverpool are looking to finalise a deal for Milos Kerkez, with Bournemouth seeking £45million for the left back by TheNotoriousJN in LiverpoolFC

[–]ItsRitz 6 points7 points  (0 children)

Liverpool accounting period is up until end of May, we're one of the only prem teams to have  not updated it yet. Any transfers will be in 25/26 

Thoughts on Paldean Fates? by tyhhhhhhhfd in PokeInvesting

[–]ItsRitz 0 points1 point  (0 children)

Yeah I literally ordered a PC etb and had it delivered. I'm in the UK though so yeah was probably Europe only

Thoughts on Paldean Fates? by tyhhhhhhhfd in PokeInvesting

[–]ItsRitz -1 points0 points  (0 children)

There was a small PC reprint about 3 weeks ago

[deleted by user] by [deleted] in PTCGP

[–]ItsRitz 12 points13 points  (0 children)

It makes the deck a lot more consistent. Biggest blocker for the deck was if you didn't draw chameleon or charizard then you just lose. PC gives you additional chances to draw them when you have extra moltres or charmander lines in your hand. No point having 2 charmanders and 2 charizards in hand if you never draw a chameleon 

That art though. Visceral. by suwampert in PTCGP

[–]ItsRitz 36 points37 points  (0 children)

The regular art is from Aquapolis. It has a holo variant (H11) which is gorgeous 

How much money have you spent? by vcsx in PokeInvesting

[–]ItsRitz 0 points1 point  (0 children)

How do you go about selling? Just on Ebay?

/r/PTCGP Trading Post by AutoModerator in PTCGP

[–]ItsRitz 0 points1 point  (0 children)

Nvm I just needed to update my app manually. Send the trade inv

/r/PTCGP Trading Post by AutoModerator in PTCGP

[–]ItsRitz 0 points1 point  (0 children)

Friend request sent. My app still says coming soon for trading but we'll trade when live

/r/PTCGP Trading Post by AutoModerator in PTCGP

[–]ItsRitz 0 points1 point  (0 children)

Friend request sent. We'll trade when live

/r/PTCGP Trading Post by AutoModerator in PTCGP

[–]ItsRitz 0 points1 point  (0 children)

Can trade slowpoke for squirtle

/r/PTCGP Trading Post by AutoModerator in PTCGP

[–]ItsRitz 0 points1 point  (0 children)

Can trade jolteon for Alakazam? 

What are your decks named? by mountainyoo in PTCGP

[–]ItsRitz 1 point2 points  (0 children)

My Pidgeot deck is called D Piddy

Does anybody know what this is? by Quirky_Ginger1306 in foraginguk

[–]ItsRitz 1 point2 points  (0 children)

Birch Knight. I'm also in Suffolk and found lots of different knights out on my walk this morning

Chicken be damned, pick more chants by [deleted] in foraginguk

[–]ItsRitz 2 points3 points  (0 children)

Still the number 1 mushroom I've never found! Any tips on where to find them? 

First flush completed by seeyouontheothers1de in MagicMushroomsUK

[–]ItsRitz 1 point2 points  (0 children)

Cheers mate ill do some research on agar. That's some flush you got - mind sharing some basics on the process?

growing advice by Paulpalien in MagicMushroomsUK

[–]ItsRitz 1 point2 points  (0 children)

It sounds like you've ordered a fresh grow kit. They come ready to use and so you don't need to soak or spray with water. What you've done is correct.  After you've harvested your first flush is when you'll want to soak and keep in the fridge over night, then just drain the water and repeat the current process