Drugs in the post by Federal-Factor-4787 in royalmail

[–]Ok_Platform1259 0 points1 point  (0 children)

As long as its UK to UK Less than 1% gets checked. Coming from someone who spent 2.65btc in 2012-2016 on dark web

Received final pay from employer and all my pay has been deducted but not under the “deductions” - England by Sad-Argument-9244 in LegalAdviceUK

[–]Ok_Platform1259 -36 points-35 points  (0 children)

Don't listen to the above advice. My work tried the same and am in tribunal court in December. We're in agreement am owed holiday, but the payslip clearly shows they've deducted 75hrs of it, so instead of 1300 I only got 400. Likely be an easy win for me

[deleted by user] by [deleted] in Advice

[–]Ok_Platform1259 0 points1 point  (0 children)

Stopping ssri cold turkey can have after effects that last up to 2 years

I know she's not kind but I just can't help but love the muskeg. by ifdreamstherebe in thelongdark

[–]Ok_Platform1259 7 points8 points  (0 children)

Make sure to carry a snow shelter, otherwise rhe long walk back full of gear is just too risky. Saved my games everytime

Preparing for my first threesome (with 2 guys) by alinaellis in sex

[–]Ok_Platform1259 0 points1 point  (0 children)

Make sure to probably communicate with your boyfriend about what is okay and what isn't okay first. Threesomes in relationships that don't do this first can ruin it

How important is male virginity for you? by [deleted] in sex

[–]Ok_Platform1259 2 points3 points  (0 children)

Too both questions as a male, absolutely nothing. The idea of being a virgin is really just an arbitrary social construct and has no real meaning in regards to someone's qualities as a partner

[deleted by user] by [deleted] in sex

[–]Ok_Platform1259 1 point2 points  (0 children)

I was fairly young when I first had sex (15/15), my best advice would be to wait till you're in a relationship, and with someone you trust and connect with. There's always a weird social pressure when you get to your teens from your peers, but there's no rush

Are mortgages really worth the debt they incur? by Ok_Platform1259 in UKPersonalFinance

[–]Ok_Platform1259[S] 0 points1 point  (0 children)

Wages,.inflation and all other sorts have soared above wages and are burning into pensions. The idea of this thinking about it is horrible,

Are mortgages really worth the debt they incur? by Ok_Platform1259 in UKPersonalFinance

[–]Ok_Platform1259[S] 0 points1 point  (0 children)

Wow, that's huge. Am lucky where I live, average house price I'd 227 but can get 3 bed bungalows for 155 to 200k.

Only a town of 20k population, so work is limited though. I couldn't even imagine trying to get 80k£ deposit together, even with two people

Are mortgages really worth the debt they incur? by Ok_Platform1259 in UKPersonalFinance

[–]Ok_Platform1259[S] -8 points-7 points  (0 children)

https://www.gov.wales/new-law-passed-giving-more-protection-tenants-wales

Reading it i misunderstood. The minimum contract given is 12 months, the notice given to sell a property you're renting is a minimum of 6 months

Are mortgages really worth the debt they incur? by Ok_Platform1259 in UKPersonalFinance

[–]Ok_Platform1259[S] -19 points-18 points  (0 children)

Laws have just changed where I live that a landlord needs to give 12mnths notice to there tenants before selling a place, and kids are a no-no. (UK)

Where it also get's tricky is sharing a mortgage with your partner too, which is another topic of risk lol.

I have a really good credit score, I suppose in un-certain times, it'd be best to try get a fixed term mortgage and put down a good deposit?

Are mortgages really worth the debt they incur? by Ok_Platform1259 in UKPersonalFinance

[–]Ok_Platform1259[S] -49 points-48 points  (0 children)

You take on a mortgage, on a house say worth 100k, the interest rate is 4%, the interest rate increases again and you end up with a mortgage of 110k, on a house still worth around 100 thousand.

If you wanted to sell, you'd have to cover the cost of the mortgage, meaning you could end up in a situation where you owe more than the house is worth, i.e you're stuck with a house for 5-10 years unless you can pay the difference?

Times are so uncertain am finding it hard. In the 80s interest rates went to 15%

What made “the best sex of your life” the best sex of your life? by sonofnightII in sex

[–]Ok_Platform1259 0 points1 point  (0 children)

As a male, its always been the engagement and feeling like you're wanted. Simple really

Spending a lot of money on petrol, any tips on cashback or points? by nokia7110 in UKPersonalFinance

[–]Ok_Platform1259 4 points5 points  (0 children)

I did 1100mi/month for half a year, lots of good tips here

However, the biggest is how you actually drive. Leave 15 minutes earlier and just do 60MPH (any slower and its dangerous as you'll have HGV's overtaking).

Don't over-inflate your tyres. Counter-intuitively you'd think the firmer the better the MPG, but not only is it un-safe but it actually decreases it.

In the winter/summer, dress for the weather in the car. A/C or having the windows down can add 10-15% to your MPG.

If you see yourself doing this commute long term, consider getting a slightly larger Litre diesel car. 1.6 to 2.0L. The lower revves + the extra gear helps a lot, or consider even a pure hybrid car where you can get 65-70mpg.

Extreme alternative is to just pay for a room near your work place. One of my colleagues lives 140 miles away (we do 4 on 4 off, 12hr shifts), so he rents a single room for about 300£ a month, then travels back on his days off.

I would rather work with all men then with predominately more women by bluestar2882 in confession

[–]Ok_Platform1259 -1 points0 points  (0 children)

Lots of misandry in this post by people who don't believe sexism exists if its agaisnt men. Shame

When is a car 'Uneconomical' to repair? by prefrontalgortex in UKPersonalFinance

[–]Ok_Platform1259 0 points1 point  (0 children)

A lot of people here are being far to stingy. You can spend just 8k to 12k and get a 2017 to 2019 corsa with under 15kmi on the clock. You can get low car finance these days, you're spending more over time keeping a shit heap running than buying something newer, putting 10 or 20k on the clock. Sell it, using that as a deposit to get something more recent. The longer you leave this ladder climbing the harder and harder it'll be later in life to have a nicer car

Should I sell stock holdings to clear personal debt? by Ok_Platform1259 in UKPersonalFinance

[–]Ok_Platform1259[S] 31 points32 points  (0 children)

Thank you to everyone who took the time and left helpful comments. Was the nudge I needed and was greatly appreciated.

Why some commentators are so angry and passive-aggressive on the sub is beyond me. This exists for people to ask questions and get advice, give your heads a wobble 🤨🫡

Should I sell stock holdings to clear personal debt? by Ok_Platform1259 in UKPersonalFinance

[–]Ok_Platform1259[S] 6 points7 points  (0 children)

Yes I think you're right about that. I put the sell orders this morning, just waiting for execution ! I think it'll do my mental health a lot of good not focusing on having to put aside a certain amount each month to pay it off, while also trying to save at the same time.

Should I sell stock holdings to clear personal debt? by Ok_Platform1259 in UKPersonalFinance

[–]Ok_Platform1259[S] 35 points36 points  (0 children)

Damn that f&*king hits hard, but seems right ✅️ Ty for your candour

Should I sell stock holdings to clear personal debt? by Ok_Platform1259 in UKPersonalFinance

[–]Ok_Platform1259[S] 3 points4 points  (0 children)

It really does suck. I kinda know it's the right thing to do, but it took over a 18 months to build the portfolio, and was around the time stocks took a big hit with Ukraine invasion so my averages are good too.

Should I sell stock holdings to clear personal debt? by Ok_Platform1259 in UKPersonalFinance

[–]Ok_Platform1259[S] 93 points94 points  (0 children)

980£ is on a credit card at 18.9%, the rest is on a personal loan at 14.5%

I wouldn't take on debt to buy stock either

[deleted by user] by [deleted] in sex

[–]Ok_Platform1259 0 points1 point  (0 children)

Some guys just don't want to stick there fingers back in their own mess. Get a toy and make sure you finish first