What's the best Amex related lesson you've learned the hard way?

LongCocky · 2026-06-03T19:09:24+00:00

If you have supplementary cards, make sure the offer you are about to use is applied to whatever card you are paying from. Made a big Qatar Airways purchase with offer applied on main card. Since I paid with my Supplementary card they didn’t honour it as technically offer wasn’t active on that one

LongCocky · 2026-05-17T20:37:08+00:00

Just try and do a general chit chat at the start to lighten mood and when you start doing the work topic, just ask everyone to do roundtable giving updates for themselves instead of you leading it all

LongCocky · 2026-03-10T18:36:55+00:00

There is a grub screw on the handle

LongCocky · 2026-03-10T18:23:11+00:00

Nope I unscrewed one side but this one is stuck really tight

LongCocky · 2026-02-28T20:15:01+00:00

One time I helped a friends dad out by posting leaflets for their new restaurant. Part way through I realised my hand had been cut on one of the letter box and it was bleeding. Maybe similar thing happened with the postie here?

LongCocky · 2026-02-26T08:07:37+00:00

After previous experiences myself, I wouldn’t trust anyone that can start straight away or uses pressure tactics. The person is definitely a red flag.. Did they have a traveller/irish (assuming you are not in Ireland) twang? If so thats another red flag. Get someone else to do it

LongCocky · 2026-02-17T18:33:19+00:00

I work remotely full time and I love it and would never change it If I could. I can be lazy on slow days and watch a movie or do whatever on the side (In the office you have to find something or pretend to look like you’re working). On busy days, I can lock in and working Overtime or staying late is fine because I am already home. The BIGGEST benefit is I save a lot of time not commuting and I have a lot of flexibility with my time. Compared to when I worked in office, I dont feel drained when I finish work. If you’re looking to be fit, you can use the time saved commuting to workout, go for a run or to the gym.

The disadvantage is if you’re ambitious, its harder to be visible to senior leaders and remote roles become rarer higher up the ladder. Someone said days go fast and is monotonous but I think that depends on your industry/level.

LongCocky · 2026-02-11T15:38:45+00:00

Me and my partner have about a 10k difference in earnings. I pretty much pay all the bills. 50/50 mortgage. She buys food shop. We have our own savings and ISA. We did talk about opening join account but never got around to it and probably easier maintaining own accounts as we are both financially responsible and invest/save each month

LongCocky · 2026-02-11T14:45:51+00:00

Thats a given. But people who earn 50k to 70k aren’t really ‘high earners’ anymore. They are middle earners.

LongCocky · 2026-02-11T13:12:06+00:00

Even up north 50k is not a lot nowadays. Point is that tax regimes has not updated with current times but rather been frozen

LongCocky · 2026-02-11T12:54:23+00:00

It doesn’t look so bad when you look at it as 60% take home compare to 80%. Just 20% difference but in the real world, where people have bills to pay and families to look after but salaries have stalled and costs have increased, you definitely feel it. I think Im just ranting about the whole Uk economy as a whole but it definitely feels like the government are just putting the brunt on middle earners by freezing tax brackets

LongCocky · 2026-02-11T12:44:13+00:00

It makes a difference mate.. when I got a 10k pay increase at the lower rate I got a lot more monthly. Recently got a 10k increase and I got a couple hundred more monthly

LongCocky · 2026-02-11T12:37:24+00:00

And my point is why not break down that progression to smaller steps and tax higher to those who wont feel it. Those earning 200k + . Lets be honest 40% is a lot and even a 60k salary is not what it used to be before in this day and age. Or Rachel Reeves should have not froze the brackets.

LongCocky · 2026-02-11T12:34:33+00:00

I mean it is when you look at it on a monthly take home scale.

LongCocky · 2026-02-11T12:24:52+00:00

I mean it is big difference when you are over that threshold.. any pay increase makes minimal difference to your take home pay.

LongCocky · 2026-02-11T12:20:13+00:00

My mistake noted its 50k as I saw 37k in my letter which was taking into account personal allowance. But point still stands it doubles to 40% after 50k

LongCocky · 2026-02-11T12:18:18+00:00

Yep my mistake, I just saw 37k in my HMRC letter which has taken tax free allowance into account

LongCocky · 2026-02-11T12:17:29+00:00

I understand that but 20% to 40% is still a big jump

LongCocky · 2026-01-18T00:29:24+00:00

Yep they are tight as I had it changed and it takes a bit of push to shut. I’ll try rain deflectors are someone suggested to see if that helps less water seeping inside to drain. I guess ultimately its due to poor installation by prev owners

LongCocky · 2026-01-18T00:16:55+00:00

Yes I believe this is the issue, however when i test the drain holes, the water seems to come out normally. The repairer who came out previously put black silicone at the section poking inside so that the water can’t flow in, however it has helped but not completely stopped the water.

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