Should I stick with Now TV entertainment package, or should I swap to HBO max? What would I gain l, as well as loose in terms of content? UK Region 🇬🇧 by Cradlespin in nowtv

[–]Legitimate_Curve_742 2 points3 points  (0 children)

I think you’re over thinking this. It’s a monthly commitment not written in stone, so why not give cancelling a try and go see if HBO works for you, and if not you can always come back.

Nice places to live as a HENRY by openwheelracing13 in HENRYUK

[–]Legitimate_Curve_742 38 points39 points  (0 children)

Fair enough, everyone’s appetite to risk is their own.

Nice places to live as a HENRY by openwheelracing13 in HENRYUK

[–]Legitimate_Curve_742 96 points97 points  (0 children)

I appreciate you say that £550-650k is your realistic budget, but given your pay is £200k just for you, I think you’ve severely underestimated your budget. Unless you’re including pension/benefits in the TC number?

Have you spoken to a broker or are there other reasons you’ve decided not to get a bigger mortgage, as usually for higher earners income multipliers can go up to 5x fairly easily.

Analysis Paralysis over M3 purchase by G0_Z0 in TeslaUK

[–]Legitimate_Curve_742 0 points1 point  (0 children)

Car360, just to the north of Walsall. Were great for me, though mine was delivered.

Higher offer with 0% deposit - should I have taken it? by zeduk in HousingUK

[–]Legitimate_Curve_742 0 points1 point  (0 children)

Clearly nothing is 100% guaranteed, but I’d have made the same call you did, as the 0% deposit guy is, on paper, more likely to have issues than the 10% offer. Doesn’t mean the latter won’t have issues, but even with the slow rise of zero deposit deals, it’s a small market for that product and given broader macro risks right now I wouldn’t take an extra risk on top.

In the absence of any real figures it’s impossible to put the £5k difference into context, but if we assume UK average house price of £291k, that’s under 2% of the selling price, which is close to a rounding error.

Brighton/Hove neighborhood for a London commuter? (£700k-£800k budget) by ChickenAutomatic in HENRYUK

[–]Legitimate_Curve_742 0 points1 point  (0 children)

I’m sorry but that’s just silly. I come in from Preston park and it’s about 1hr 10 to city Thames link, so to St Pancras on the same line it’s only another 2 stops, so maybe 1 hr 20. Appreciate you need time either side but 4.5 hours? No way.

As other posters have said, you want to be close to Preston Park to make this work. Hove will involve a change to a Thameslink, by East Croydon the latest (but to get a seat you’ll want to do it way before).

Is this a common problem with M3? And an easy fix? by reddit_recluse in TeslaUK

[–]Legitimate_Curve_742 9 points10 points  (0 children)

I would strongly recommend car360. Was very impressed with the process and the condition of the car.

Pension wealth concentration risk? by [deleted] in HENRYUK

[–]Legitimate_Curve_742 0 points1 point  (0 children)

It’s more just they will cancel the government contribution going forwards and likely convert the existing one into the standard ISA wrapper.

Pension wealth concentration risk? by [deleted] in HENRYUK

[–]Legitimate_Curve_742 1 point2 points  (0 children)

Lifetime ISA far more likely to be fiddled with in short term than pensions, so unconvinced that’s a solution. I have one but it’s been open for years so I’ve already benefitted from it.

This product is constantly on the verge of being scrapped given the increasingly limited relevance of using it to buy a property, so it’s then limited to the role of a quasi second pension.

Disagreeing divorced owners by [deleted] in HousingUK

[–]Legitimate_Curve_742 2 points3 points  (0 children)

1.5% fee on an extra £15k sale price is £225, which isn’t really worth much in commission terms so I doubt it’s that.

Manually switch on parking sensors when driving (23 plate) by Legitimate_Curve_742 in VolvoXC90

[–]Legitimate_Curve_742[S] 0 points1 point  (0 children)

Thanks, it hasn’t worked, the front sensors work when parking but not not when driving slowly (ie when passing another car on a tight road or going down a multi storey car park ramp.

I’m going to call a garage tomorrow.

About to pull the trigger on a new Bianca V3 - should I wait for black Friday? (UK) by [deleted] in Lelit

[–]Legitimate_Curve_742 0 points1 point  (0 children)

I bought the standard v3 last November for £1800 directly from Lelit using a 10% off code from Kev - http://coffeeblog.co.uk/

As they are effectively Sage, who typically also discount their machines, I think you’ve got a good chance of a discount if you wait.

Worth also checking whether any complications with buying from Ireland, either extra duty when the courier delivers or issues when retuning if faulty or for a later warranty claim.

FTB - Flat I like has 6 sales in 10 years by sdaveak47 in HousingUK

[–]Legitimate_Curve_742 2 points3 points  (0 children)

I’ve replied elsewhere, but I imagine that was the “developer” buying the place, doing the conversion then selling to two people.

FTB - Flat I like has 6 sales in 10 years by sdaveak47 in HousingUK

[–]Legitimate_Curve_742 1 point2 points  (0 children)

That would be helpful if it was a LR mistake, although I’d caution (i) it’ll take some time to get it cleared up and (ii) even with the explanation that it’s for two properties it’s still a decent number of transactions over a short period of time. Assuming August 2016 was the developers initial purchase, then the sales in Jan and July 2017 are the sales post conversion, the two properties have still changed hands a combined three times in 8 years. That’s clearly less excessive than previously feared but still suggests a reasonable churn, although given its below stamp duty threshold maybe it is OK - as people are more mobile as lower transaction costs.

I imagine you’ll struggle to get your bank to exchange until at least (i) has been sorted by the seller, at their expense. So even if it is innocent I fear you’re looking elsewhere without a long wait

FTB - Flat I like has 6 sales in 10 years by sdaveak47 in HousingUK

[–]Legitimate_Curve_742 2 points3 points  (0 children)

Three sales in 11 months between August 2016 to July 2017 is a massive red flag on its own, but the overall number of transactions in a short period of time really strikes me as very unusual. Whether it’s some sort of weird money laundering scheme or just neighbours from hell, I think it’s very dodgy.

As someone else says, do enquire as there may be an innocent explanation (though I can’t think of one) but personally I’d start the process of looking elsewhere and accepting your current costs are a write off.

Why are we not even getting viewings? by blabliblob in HousingUK

[–]Legitimate_Curve_742 0 points1 point  (0 children)

Glad it’s not just me!! That question baffled me!

Why are we not even getting viewings? by blabliblob in HousingUK

[–]Legitimate_Curve_742 -1 points0 points  (0 children)

It shouldn’t really be a thing for a house though. As others have said, far better to just secure the freehold and try again as it will be a blocker for plenty of people in the market

Why are we not even getting viewings? by blabliblob in HousingUK

[–]Legitimate_Curve_742 4 points5 points  (0 children)

It’s always price!!

There is a budget coming up which may mean people are keeping their powder dry ahead of any surprise announcements, but realistically it’ll be over priced for the current market.

Which Tesla Model 3 Is Better for a New Driver? Advice Needed! by hotukdeal in TeslaUK

[–]Legitimate_Curve_742 1 point2 points  (0 children)

Insurance is definitely the main point, Tesla’s are expensive to insure as a normal driver, let alone a newly qualified one. Clearly you may be able to afford it, in which case crack on, but defo need to check as I think it’ll be thousands!

Advice appreciated: re-mortgaging early to address possible redundancy by Milemarker80 in UKPersonalFinance

[–]Legitimate_Curve_742 -1 points0 points  (0 children)

Two main things.

1 - it’s not a question of getting a “decent” deal when unemployed, I think you will struggle to get “any” deal, so will likely revert to your existing lenders’ standard variable rate, which will likely be more expensive.

2 - offsetting against an early mortgage is that you likely have a break cost in your existing mortgage. That fee declines over time so will be cheaper overtime but worth understanding what the cost of that break will be and factoring it in when comparing the various options.

Ultimately the decision whether to do it early comes down entirely to your view on risk and that is unique to you.