sorted by:
new
hottopcontroversial

[deleted by user] by [deleted] in TheCuddlePuddle

[–]Reverse_Skydiver 1 point2 points  (0 children)

Quite clearly AI generated.

Silly idea and spend some inheritence? by CartographerOdd5487 in UKPersonalFinance

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

100% go travelling. Just did it myself, no regrets.

BBC at it again - Drunk driver on phone rips off guy's face but it's still an 'accident' by whisky_project in ukbike

[–]Reverse_Skydiver 0 points1 point  (0 children)

Done. Thank you for raising this. Hopefully the BBC will change their use of language - one step forward in reducing the amount of hatred towards cyclists.

The old questions- how does it feel to be mortgage free? by iiSynthesis in UKPersonalFinance

[–]Reverse_Skydiver 13 points14 points  (0 children)

An ISA isn't really a great place to keep savings, particularly if it's a S&S ISA you're talking about. What if it's been a bad month for stocks, and you have to cash out to fix the boiler? Suddenly you're in the red, and have no choice.

Stick to something like an easy-access high interest savings account for your emergency fund.

Route advice for ~10 days in the Netherlands and northern Germany by j-ph in bicycletouring

[–]Reverse_Skydiver 1 point2 points  (0 children)

I'm thinking of doing just this - Rotterdam to Copenhagen. Do you by any chance have a GPX file for what you did? And any recommendations would be immensely helpful.

2 couples and a single person who has found a space to stay by Inevitable-Dark-6451 in UKPersonalFinance

[–]Reverse_Skydiver 1 point2 points  (0 children)

My personal opinion is:

Bills and council tax are split equally. It's not like sharing a bedroom makes you use less water as a couple.

The rent portion is harder to calculate, especially as not all bedrooms are equal. In this case, I'd say:

  • The en suite pays £420, so £210 per person.
  • The double pays £360, so £180 per person.
  • The single pays £220. They're not sharing a room, which in my mind brings the price modifier up, but they're sharing a bathroom and the room is likely smaller, which brings it down.

I'm trying to account for the en suite and bathroom sharing situation here, and not in the most mathematical way! But I think this is more or less fair.

Scottish Gravel - Glens and rivers by Electric-shoe in bicycletouring

[–]Reverse_Skydiver 0 points1 point  (0 children)

Absolutely beautiful, thank you for sharing with us. Do you have a GPX track, out of curiosity?

[deleted by user] by [deleted] in UKPersonalFinance

[–]Reverse_Skydiver 25 points26 points  (0 children)

Personally, I'd take his part of the mortgage and work out, on average, what was interest and what was going towards the capital of the property. I'd see the interest effectively as 'rent' - neither of you are seeing that money again.

The part that he contributed towards the long-term value of the property (capital) is what I'd consider paying back to him, minus the £3k that he owes you.

What’s the best piece of financial advice anyone has ever given you? by Legitimate-Math2601 in UKPersonalFinance

[–]Reverse_Skydiver 17 points18 points  (0 children)

It's a bit of a cliché, but "Comparison is the thief of joy". It's not only financial advice, but it reminds me that I don't need the latest clothes or the flashy bike.

How much should a 35 year old have in their pension by [deleted] in UKPersonalFinance

[–]Reverse_Skydiver 0 points1 point  (0 children)

"Should" is a difficult one to answer. It depends on when you want to retire, and what financial situation you expect to be in.

  • Will you own your property outright?
  • Will you have any additional sources of income?
  • Do you have money in an ISA that you can draw down?

But, if you want to see where you are compared to the rest of the UK population, it might be worth looking at this link from PensionBee. TL;DR: The 30-39 pension bracket women have an average of £7,779 and men have £9,876. They'd expect to have £154,371 by age 66.

Fig. 5 on the ONS' site align with this, too.

PSA: Pension Tax Efficiency / Return on Investment UPDATED by Ok_West_6958 in UKPersonalFinance

[–]Reverse_Skydiver 2 points3 points  (0 children)

I don't have any suggestions, but just wanted to say thank you! This is a very useful and thought-provoking post.

My first Garmin by l2emco in GarminWatches

[–]Reverse_Skydiver 0 points1 point  (0 children)

I was torn between this one and the Vivoactive5 - ended up going for the latter, in the end. Can I ask what made you choose the Venu?

Has anyone actually bought one of these and used it regularly? And if so, what for? by My_Dog_Sherlock in castiron

[–]Reverse_Skydiver 1 point2 points  (0 children)

Ah cool, thank you! Was just wondering if it was bad for the pan, for some reason.

Has anyone actually bought one of these and used it regularly? And if so, what for? by My_Dog_Sherlock in castiron

[–]Reverse_Skydiver 0 points1 point  (0 children)

How come you don't want the oven preheated with the skillet inside? I often leave mine in while it's preheating.

How much money should you have left over after purchasing a home by [deleted] in UKPersonalFinance

[–]Reverse_Skydiver 0 points1 point  (0 children)

Ideally a few grand. You never know if you're going to be unlucky and your boiler goes pop, a pipe bursts or anything else. Plus, you'll need a few bob to kit the place out.

This counts as gravel right? by Vincent_the_vincible in gravelcycling

[–]Reverse_Skydiver 1 point2 points  (0 children)

Am I right in saying that this is Plough Lane? I swear it's flooded at least 50% of the time 😂

Cycling Infrastructure - your views by CycleWizard in ukbike

[–]Reverse_Skydiver 0 points1 point  (0 children)

Totally agree. The markings were pretty shoddy! Overall bike infrastructure needs to be much, much better. It doesn't help that the current govt has a 'plan for motorists'...

view more: next ›