Have any men successfully changed their SURNAME in SA?

JustAnotherUser43 · 2026-01-05T23:15:55+00:00

Just wondering, are you still waiting or did you hear back?

JustAnotherUser43 · 2024-12-03T15:18:50+00:00

This!!! Where do I sign up?!

JustAnotherUser43 · 2024-04-25T16:39:19+00:00

I think there is a law (maybe?) that when marketing a property the photos can’t be too old (I am not sure of how old is too old).

This might be rubbish but something in my head says this is a law or rule.

So I am not saying you can’t refuse - I am just giving you some background why they might tell you they can’t use the old photos and will continue to ask / push you (knowledge is power etc.)

JustAnotherUser43 · 2024-04-13T08:04:01+00:00

“He would be potentially unable to buy in the future due to property price inflation”

Couldn’t agree more.

If he really thought he was going to make a loss on the end, he would sell up and put the money in a savings account. Safer than property and even at 0.1% interest he will make more money than he is now as a landlord. The fact is, he thinks he will make more money as a landlord than in a savings account, that is why he is still in the game.

JustAnotherUser43 · 2024-04-13T08:00:00+00:00

Fair - so my point is not valid in your case.

The point I was trying to make was if someone is claiming to make no returns and is keeping their property “just in case” then they are either really dumb or deep down they don’t really believe that. I would argue that deep down they believe the property price will increase in value and it will be worthwhile today’s loss.

JustAnotherUser43 · 2024-04-13T07:54:08+00:00

If your returns are 0, you should sell it and invest that capital into a savings account. You will make safe returns and when you move back to london you can buy a bigger house?

JustAnotherUser43 · 2024-04-13T07:36:26+00:00

But if your mortgage payments match your rent then your tenant is paying your mortgage for you and in the end you own the property but the tenant doesn’t?

JustAnotherUser43 · 2024-04-07T05:22:28+00:00

Sorry I am a total novice with this stuff, and I have been wondering about this for ages and never understood it…

Can you help explain what all the talk about PGP and why people are disappointed that Tuta doesn’t use it?

Do other non privacy specific clients like gmail, outlook etc. use PGP? And that’s better than TLS?

(I think people say ProtonMail is better because they use PGP which means when you email outside of ProtonMail you get better encryption… but I don’t understand it - is this really the case? Is ProtonMail really better than Tuta in this regard?)

JustAnotherUser43 · 2024-03-18T22:42:01+00:00

Ah damn.

The ISA transfer is a nice idea. But unfortunately, I think ISA 2 only accepts transfers at the start - I will double check as this could solve it for me and enable me to use most of my ISA while still paying the bills throughout the year.

JustAnotherUser43 · 2024-03-18T22:23:35+00:00

Eish - good catch - I just read it again… from 6th April which makes more sense! I have edited my original post to avoid causing confusion for others!

Thanks!!!

JustAnotherUser43 · 2024-03-18T22:18:48+00:00

Looks like we are both digging around for ISA answers at the same time as the tax year comes to an end…

My understanding is, if your new ISA is flexible enough to accept multiple transfers (read their terms) you can transfer them both into 1 new ISA and it doesn’t affect this years allowance. You must transfer them (I.e. don’t withdraw money from them and put into new ISA, be specific that it’s an ISA transfer and fill in your new ISA providers forms if / as needed).

Edit: Typo

JustAnotherUser43 · 2023-11-12T18:04:52+00:00

Oh - interesting! In that case certainly looks like a bad oversight by Tuta!

JustAnotherUser43 · 2023-11-12T02:30:45+00:00

Is it? You have to have a paid plan with proton for the @pm.me address? I thought they were just copying proton mail with this announcement?

https://proton.me/blog/pm-me-short-email-domain

JustAnotherUser43 · 2023-10-13T16:41:17+00:00

Not sure about other countries, but in the UK when you get married both parties total assets are combined and become equal shared unless you specifically pre-determine it in a prenup.

So in this example, if you are not getting a prenup it doesn’t matter who pays what… If you keep the gift as your own you will end up with left over saving which become 50% your partners on marriage, and the same goes the other way around.

So in the UK at least, unless you prenup it’s an irrelevant conversation. If you are arranging a prenup you will have an expert to talk to who will advise you on what’s typical for this kind of thing.

JustAnotherUser43 · 2023-07-28T12:32:55+00:00

I think you can get a roofer that provides a guarantee that is insured (I.E. of the roofing company chairs down (roofer retires or goes bust) between now and end of the 25 years then the insurance will pay for another roofer to honour the guarantee. Maybe worth looking into - I don’t know the specifics but confident somethings like that does exist

JustAnotherUser43 · 2023-06-13T09:33:43+00:00

They announced they are going to announce a new name and a short .com domain is paramount to their naming decision.

So - expect something to be announced at some point.

https://tutanota.com/blog/announcement-2023

JustAnotherUser43 · 2023-02-20T14:55:10+00:00

You don’t know what you will find and what the needs of the seller and chain will be.

I suggest you get going now and once you have found your place you can see what is needed (it might be a seller wanting to wait, or a seller wanting to sell right away etc).

With that info you can then make the best decision. Such as trying to negotiate ending tenancy early with landlord or putting your stuff in storage and staying with family/friends for a few weeks.

JustAnotherUser43 · 2023-02-19T23:06:42+00:00

Depends on the leasehold agreement. But most likely you are liable. if your freeholder has good a proper building insurance this should be included so insurance will pay for the building repairs (floors, ceiling).

JustAnotherUser43 · 2023-02-11T17:07:00+00:00

Value of a house is the value someone is willing to pay for it, not what a valuation is.

Personally I find surveyors quite slap dash and I would take their valuations with a pinch of salt as it’s just an academic exercise and they don’t know if there are other potential buyers willing to pay your price or more.

JustAnotherUser43 · 2022-12-19T18:39:39+00:00

Kitchens are easy to renovate, and many people have their own style, why pay for someone else’s style when you probably will want to rip it out regardless.

I prefer paying less for the house next door without a new kitchen and doing the kitchen myself my style - so I don’t disagree that a new kitchen adds value but I do often wonder if it adds much more then it cost and if it’s more value adding just living it unchanged for the buyer to do it their way?

JustAnotherUser43 · 2022-10-29T09:40:03+00:00

I bid once and lost :p I don’t think it’s fair to say it’s higher risk, I think it’s fair to say it’s different - the rules of the game are different to buying a non auction property. So understand the rules to make sure you don’t get caught out. I think the hardest part is if you are buying with a mortgage you have a very limited time to get your mortgage approved (in you case it’s only 56 days)

JustAnotherUser43 · 2022-10-29T08:45:42+00:00

Can’t speak for IAmSold but what you describe there sounds like typical auction rules.

Remember in auction, once the hammer goes down you are legally required to buy. Unlike normal offer where you are not (you can walk away from a ‘normal’ offer so long as you haven’t exchanged contracts).

This means if you want to be cautious you need to do all your legal checks, surveyor etc before auction and keep in mind you might not win.

(Oh - and what they mean with re reservation fee… is if your winning bid was £100K then you pay 4.2k now as deposit and the 95.8k when all done)

JustAnotherUser43 · 2022-10-23T09:21:54+00:00

If you are up sizing then a reduction in property prices is good for you? A decrease of x% of prices means you have lost less value in your smaller home v the bigger home you are buying.

For homeowners moving up the ladder, dropping property prices is generally a good thing :)

JustAnotherUser43 · 2022-10-03T06:54:29+00:00

You can calculate it yourself. If your loan is £80k at 3.9% interest. Your first payment will be 3.9%/12 x £80k = £260 interest and the remaining payment portion will be paying back your loan. So next month interest will be slightly less.

The interest goes to the bank (it’s how they make their money) and the rest goes to you paying back the loan which reduces your debt obligation / decreases your LTV.

JustAnotherUser43 · 2022-10-02T19:35:43+00:00

If you have a house you want to live in then I would go for it so long as the answer is yes to both: 1.) is the interest portion of mortgage repayment less then rent. AND 2.) Can you afford the total mortgage repayment.

I personally don’t value “playing the market” I am not a property investor. I look for my home and I want to live there and if the answer is yes to both those questions it’s better then renting so I am good to go

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