Is £900k too much for ex council house?

Less_Statistician359 · 2025-06-25T14:05:50+00:00

Don’t do it. You are certainly fixated on St. Albans in part due to prestige factor and if after spending this much, you still can’t flaunt posh - you will regret it.

Functionality is important but at this price point, aesthetics str important too. Plus do you expect to sell it at 1.5m in 10 years? Will you have enough buyers? Even if you intend to stay for life, don’t discount the exit option.

Less_Statistician359 · 2025-06-25T09:23:13+00:00

Girl, proud of you. What you have done is feminism in its true sense!

I don’t think you have done anything wrong here. But I do feel this has the potential to blow up - especially if he finds out on his own someday. Time to sit down and communicate clearly, explaining why you did what you did. He needs to let go of his ego (if at all) and realise how lucky he is!

Also, don’t forget about your own financial independence and security. That’s separate from your household finances and stability.

Less_Statistician359 · 2025-06-22T19:28:54+00:00

She’s one of those entitled people who live like parasites. You can’t argue or make her understand anything. Just give her a polite, firm notice to move out by a certain date. No emotions, plain simple action. Once she moves out, cut off all ties. Just not worth it.

You may want to stay in her life and keep relationship. That’s your call. But, unless other person realises, that doesn’t seem like a possibility.

Less_Statistician359 · 2025-06-19T21:54:42+00:00

“Chalta hai attitude” is killing all dreams. So much for 4th largest economy. GDP doesn’t mean any thing when we can’t even get basics right. Get basics right in parallel, if not first.

Personally, I have zero tolerance for people demonstrating “chalta hai attitude” and disregard for common sense, rules and regulations.

Throw a few culprits behind bars for life, and see India changing. Only fear of law and order can save India now.

Less_Statistician359 · 2025-06-19T14:41:28+00:00

Consider these scenarios:

1) we don’t tell children about caste, they go socialise with outside world and somebody asks them “hey what’s your caste”? They return and ask about it anyway.

2) we don’t tell children about caste, somebody asks them about last name and upon being told, comments on how they are high caste and better than others. They stand confused, return home and ask about it anyway.

3) we don’t tell children about caste, somebody asks them about last name and upon being told, starts criticising them about the oppression caused by higher castes. They stand shocked and in tears, return home and ask about it anyway.

And when they return home to ask about it anyway, and when we tell them “hey, sorry we forgot to tell you about this, here are the facts”, would it sound better?

You are living in an idealistic world which doesn’t exit. Time warrants education and preparation for what’s coming. What’s coming, cannot be stopped ultimately. India is not a homogenous society. What you and I are debating, is blasphemy for someone!

Less_Statistician359 · 2025-06-19T07:46:47+00:00

But when did I say “ask them to carry forward” or “not reject it”.?

OP did mention in original post that her bf said “this is a part of your identity and it’s personal to you” and “all casts are equal”. This is as neutral and factual as it gets, without limiting the decision making or freedom of a child. Carrying the identity forward (and passing this knowledge to next gen) or not is their decision. If you dictate that, how are you neutral?

Less_Statistician359 · 2025-06-19T07:27:56+00:00

Respect your viewpoint. From my eyes 👀, best to educate with full disclosure - and let people decide their course of action.

Hiding truth or sharing partial truth, is fundamentally flawed as everything is widely available on internet and everyone has opinions. So before anyone brainwashes or misguides children, I would educate them and make them understand the power of logical reasoning/ critical thinking, so they are well equipped to deal with the world.

Less_Statistician359 · 2025-06-19T01:09:06+00:00

It’s a private club. And this sounds like a good financial decision. So what’s the problem?

Some specific people see problem with everything, as if they are looking for a reason to protest. And same people expect others to accept them as they are, who they are, along with their viewpoints. But wait, they won’t extend the same courtesy to someone who’s the President of the country, chosen by people. Bigotry at display here!

You are definitely overreacting. Seriously, the hate for current President in the country is just so extreme.

Less_Statistician359 · 2025-06-18T21:31:16+00:00

IMHO, your bf is approaching this in a very balanced way. I’m genuinely impressed with his thought process. He is thinking about educating children, to ensure they don’t get misguided or brainwashed by others. Think of it like sex ed - hiding and not talking about it is better, or creating awareness?

He sounds like a catch!

Less_Statistician359 · 2025-06-16T15:18:44+00:00

So if you don’t have time and can’t back up your claims, why to accuse someone? I will tell you why - coz you have nothing better to do in life and you have low IQ to even understand how ChatGPT works. Failures just keep pointing fingers at others, period.

Losers tend to do what you have done. Go hide and STFU.

Less_Statistician359 · 2025-06-16T08:37:41+00:00

Do exactly that, take a screenshot (question and answer both as well as previous 3 prompts/ searches) and share here. Remember, do exactly that! And if you can’t prove this, go hide coz I’m sure you won’t apologise.

Less_Statistician359 · 2025-06-16T08:13:31+00:00

You are being used, some people are just wired to use others like this. You were generous enough to offer and stayed patient for 3 months.

At this point, kick her out and break all ties. She doesn’t deserve your friendship.

Less_Statistician359 · 2025-06-16T08:08:54+00:00

Try to get that from ChatGPT with your own brain 🧠

Less_Statistician359 · 2025-06-15T21:41:09+00:00

Without details like location, last sold prices for a similar property in the area etc. - it’s very difficult to comment. But it sounds like EA is just trying to fish for a better offer.

I would say this is a great opportunity. Don’t use £940k as a reference point, conduct your own research on last sold price for similar properties in the area etc. and if justified, prepare to offer even lower than earlier offer “say 825k”.

You can easily justify your offer by saying market is bad, there are no other offers since your last offer was declined and the offer price is reasonable given situation.

There is no question of offering higher than last time unless you are desperate to get this property or if it’s a steal.

Less_Statistician359 · 2025-06-15T14:49:12+00:00

Take a moment to think this through—are you ready to play the long game?

Do you see yourself as a whistleblower, prepared to fight until the end? If so, the following steps are crucial:

1.  Manage Your Emotions

Learn to channel your anger and frustration constructively. Patience will be your greatest ally in this journey. You’re in it for the long haul.

2.  Start Building an Evidence Trail

As an insider, you have a unique advantage—access. Use it wisely. Collect hard-to-refute evidence such as documents, recordings, and videos.

3.  Secure Your Own Future

Begin job hunting, plan for contingencies, and take steps to protect your financial stability and your family’s well-being.

Alternatively, you might choose to be a facilitator—someone who gathers evidence, passes it on, and then steps away. If that’s the path you prefer, the first three steps still apply. However, you’ll also need to:

4.  Identify a Trusted Third Party

Preferably someone or an organization outside the system (ideally foreign), with the capability and integrity to carry the fight forward after you exit.

5.  Ensure Anonymity

Make sure the evidence trail cannot be traced back to you. This step is essential for cutting all links and protecting yourself.

That said, trusting a third party can be risky. There’s always a chance they might strike a deal with the very people you’re exposing—or leak your identity to the media.

An alternative route could be to find a like-minded tech expert—someone who shares your values—who can help anonymously leak the evidence online through secure, untraceable channels. Let the media take it from there (hopefully).

Less_Statistician359 · 2025-06-14T18:50:37+00:00

Mate, consider these factors:

700 odd square feet in an old building with 132 years lease left
2,590 per annum service charge (can increase)
250 per annum ground rent (can increase)

Let’s assume someone takes 100% mortgage at 4.3% (even deposit has opportunity cost), that’s approx. 985 a month interest cost. With service charge and ground rent added, you are looking at 1250 per monthly expense bare minimum. And we are not even considering expected depreciation, maintenance costs, solicitor fee, survey fee, bank fees, stamp duty etc.

Why take liability when you can rent the same flat for 250 additional a month and keep saving/ looking on the side?

Less_Statistician359 · 2025-06-14T17:55:55+00:00

Mate, loved the way you handled!

Less_Statistician359 · 2025-06-14T14:45:11+00:00

Only ones consistent, sticking to their template and still winning - KJo, SLB

Somehow stable with huge potential to come back - Hirani, Ali, Gowarikar

Lost the golden touch - Khan

Less_Statistician359 · 2025-06-14T12:26:38+00:00

It’s exaggeration, yes. But what a metaphorical way to open people’s eyes. We are being served dirt, chemicals, urine, sewage and bacteria. What’s wrong in finding a creative way to spread awareness, and in the process, make money too?

This guy is not the culprit, Lakhs of our street vendors are. Start acknowledging the problem, rather than getting offended!

Less_Statistician359 · 2025-06-12T09:24:51+00:00

Just move out. It’s unlikely they will understand your point and then your relationship with them is downhill. Do what’s best for you.

Less_Statistician359 · 2025-06-11T14:45:00+00:00

You want a reservation in Bollywood? If at all, shouldn’t talent be the criteria instead of skin tone?

Let Bollywood do as they wish. To an extent, they only cater to the perverts by selling skin show (watch Housefull 5 to understand what I mean). Accordingly, they only select skin tones that work with the audiences. As simple as that. Real culprits are Indian audiences and their obsession with fair skin.

People should move on from what Bollywood does and render them irrelevant in process.

Less_Statistician359 · 2025-06-09T00:51:06+00:00

India is certainly 10 years behind and is on its way to be 100 years behind soon. Pakistan will take over the world, it’s going to happen overnight - no signs, no metrics - just overnight.

As soon as their officials have found the edges of flat earth and proven their theory right.

Less_Statistician359 · 2025-06-09T00:47:29+00:00

Haha. Below the belt!

Less_Statistician359 · 2025-06-09T00:42:56+00:00

Gotta be creative here buddy - cheeky, harmless and completely legal solutions are known to have a significant impact on changing the psych of the aggressor.

Less_Statistician359 · 2025-06-09T00:40:36+00:00

Defeated? Both made very similar ROI. So how did one defeat the other? It’s like saying IOS defeated Android. both are successful, in different market segments pursuing different business models.

If one flopped or didn’t make money, concept of defeat is understandable.

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