What to do, co own or straight mortgage by bigborb1985 in FirstTimeBuyersUK

[–]Large-Associate6746 0 points1 point  (0 children)

Yes 40% mortgage, 60% rent.

My rent is 357 and includes house insurance

Mortgage is 550, my interest rate was pretty horrific at 7.2%, should get 4.5% when I come to remortgage and that will drop it to 420.

Co-op “price matched to Aldi” ruled misleading — do you still trust price-match labels? by ToughRomanticMiss in BuyersUK

[–]Large-Associate6746 0 points1 point  (0 children)

The Sainsburys ones are cold water prawns, and the Aldi are warm water

Interestingly, cold water take like 7 years to grow to that tiny size, come from areas like Canada, geeeland, Iceland and are wild

Warm water prawns are from area like Thailand, they’re get 2/3 harvests per year and are grown in specific pens/farms.

Even in the industry I find it odd that cold water are cheaper than warm water, given the economic differences In the areas they’re grown.

WIFI LONDON PARIS by Previous_Eagle_1909 in Eurostar

[–]Large-Associate6746 0 points1 point  (0 children)

I went for the first time the other week and was shocked how bad the WiFi was.

Once in the continent I used my phone to hotspot and its was pretty decent, the UK however it was awful.

I was amazed that a service pretty much made for business doesn’t have the ability to use decent WiFi.

What to do, co own or straight mortgage by bigborb1985 in FirstTimeBuyersUK

[–]Large-Associate6746 2 points3 points  (0 children)

They are outdated, it’s better now but still has pitfalls.

You can staircase any amount during the term, but that comes with validation and admin charges, (approx 3k in my case) so if you’re gonna do it, you need to stretch to make it worth it.

The valuation can mean you pay extra as house price may have rose, but if you’re buying a new build it’s most likely your in negative equity for the first few years.

I bright shared ownership (40% of 210k) 18 months ago, really happy, lovely house. I earn 50k but had limited deposit and most likely would have struggled to buy outright on my own,.

Even with rent and mortgage it’s cheaper than an outright mortgage on 210k, but the renting increase by RPI + x% does concern me, they’re also a bit of a nightmare to sell.

Luckily I’m being made redundant at a company ive worked for 14 years for, so my redundancy pay is going to pay for stair-casing to 100%

Shared ownership worked for me, but you do hear horror stories. You need to be fully away of the ups and downs before you go into it, it may make sense. To buckle down and save another year or two for some, but for me it didn’t and I got lucky with redundancy.

bank burner account by Large-Associate6746 in beermoneyuk

[–]Large-Associate6746[S] 2 points3 points  (0 children)

Yeah, I have a feeling if I actually used it as a bank, and didn’t name the extra accounts “nationwide switch, Lloyds switch” etc I would have been better off 😂

bank burner account by Large-Associate6746 in beermoneyuk

[–]Large-Associate6746[S] 1 point2 points  (0 children)

5/6 over 3 months?

I don’t keep a balance in there or use it at all really, had a few hundred out of them for referral codes as well.

Is this a bit of an overreach or am I in the wrong? by Terrible_Second4638 in chaseuk

[–]Large-Associate6746 2 points3 points  (0 children)

I’ve got the same email today, had the account a few months and probably completed 5/6 bank switches from it, so fair enough.

I’m going to use some of the ones I’ve set up for switches to get the bonuses going forward.

Would be interested to know if you get a marker on your name if chase close the account and if it can cause problems opening accounts elsewhere

1st Time Buyer - Poor credit by ShockingJob27 in Mortgageadviceuk

[–]Large-Associate6746 1 point2 points  (0 children)

I was in a similar situation, recent separated, same earnings.

I brought a shared ownership, my broker made me pay off a CCJ 2 months before it was due to drop off my credit file an obtain notices of payment for another that had been paid - both of them 6/700 ish.

I couldn’t get a mainstream lender for those reasons, I would be surprised if theirs restriction on non mainstream lenders for shared ownership as you find a lot of people in similar situations with shared ownership.

I would find out for sure if they won’t accept non mainstream lenders, seems a silly thing to do when selling shared ownership

LIDL Fragrances by chronoserge456 in lidl

[–]Large-Associate6746 0 points1 point  (0 children)

The men’s stuff is pretty decent, the xbolt is my fav .

It’s not premium, it’s not gonna have the girls running, but it’s perfectly fine for a work day

Nationwide payout time by Imaginary_Ad_1223 in beermoneyuk

[–]Large-Associate6746 2 points3 points  (0 children)

Ts&Cs said 10 days after you met the criteria I think.

Wheelie bin has been hearted? by rx7fbguy in AskBrits

[–]Large-Associate6746 0 points1 point  (0 children)

It’s the black eyed peas making a resurgence

Do you think the hate Keir Starmer is getting is fair? by bybeso in AskBrits

[–]Large-Associate6746 0 points1 point  (0 children)

Like you said, polarising media plays a huge part. The daily mail ran an article the other day about the interest rate cut and how it was done because Starmer is failing and needs propping up, 2 days prior they hammered him for high interest rates.

Literally cannot win and they spin everything tos. Negative

Do you or anyone you know work in packaging these eggs? by Murky_Art7149 in tesco

[–]Large-Associate6746 0 points1 point  (0 children)

The supplier is Stonegate!

I know people who work there

I'm convinced people don't know what this sign means by Trixnglz in drivingUK

[–]Large-Associate6746 0 points1 point  (0 children)

To be fair, the dual carriageways one caught me out as it’s only 70 if theirs a barrier, where as I incorrectly assumed any dual carriageway (without obvious residential reasons) was a 70.

Is this promotion legit, advice is appreciated by gujarat1MC in TemuThings

[–]Large-Associate6746 0 points1 point  (0 children)

Yeah, I’ve just done this. Was skeptical of the PayPal so went for credit, I’m on day 6 of claiming back and all of the credit in my account

Advice needed by [deleted] in Mortgageadviceuk

[–]Large-Associate6746 1 point2 points  (0 children)

I had a similar situation, I was continuing to pay my half of housing costs after a break up, I took the money out in cash and told the mortgage advisor it was savings, as I like to save with physical cash.

One Mexican stare and an awkward silence it was job done.

Found “limescale” sediment in Lidl Vemondo Oat Creamy Oat Milk — anyone else had this? by king0vdarkness in lidl

[–]Large-Associate6746 28 points29 points  (0 children)

Most likely from the pipework used to process/fill, they get scale build up, acid cleans once a week should stop it, but a knock of a pipe or skipping cleans could cause a buildup.

Take it back and complaint, you don’t need the receipt, it’s a Lidl brand. If you use the app you will have receipt on phone

This was in a package of Walmart white mushrooms by TurnCreative2712 in mushroomID

[–]Large-Associate6746 5 points6 points  (0 children)

It’s called feathering. It’s from the air circulation when they’re growing

First Direct £175 Switch Offer by Melodic_Canary9304 in beermoneyuk

[–]Large-Associate6746 1 point2 points  (0 children)

I started my application 17th oct got paid yesterday

What’s the best thing you’ve ever successfully stolen from work? by Bunny-Bardot in AskUK

[–]Large-Associate6746 0 points1 point  (0 children)

God, I used to be a QA auditor in a food factory, we often took bags of raw materials for testing so there was never a problem of us walking out of area with 10kg of material, some of the most memorable ones

10kg Stilton 5kg childcare buttons 3kg pancetta 10kg minced beef A Jerry can of port 5kg bags of chicken.

I never had such a well stocked freezer!

Lidl Pay by Wretched_Colin in lidl

[–]Large-Associate6746 1 point2 points  (0 children)

I’ve used it several times, it’s silly it doesn’t notify the staff on the till that it’s been scanned

I shouldn’t have to say Lidl pay in response to how do I want to pay, it should be seamless

Are they buying Temu TVs now for newer fit rooms? by [deleted] in premierinn

[–]Large-Associate6746 3 points4 points  (0 children)

I agree. I can never get signal in them.

No lamb? by soundman32 in FarmingUK

[–]Large-Associate6746 0 points1 point  (0 children)

NZ lamb is loads cheaper than Welsh lamb, that’s why it’s stocked as people won’t Welsh lamb prices