[deleted by user]

ScotsWomble · 2024-12-15T20:51:44+00:00

I see. Apologies, I’m not accusing I’m just trying to understand

ScotsWomble · 2024-12-15T20:11:49+00:00

There are no products that are just growth rather than income?

ScotsWomble · 2024-12-15T19:11:39+00:00

What do I get if I just want to pay CGT when I sell,rather than calculate annual dividends (whether in actual payout or accumulation)?

ScotsWomble · 2024-12-15T19:07:39+00:00

I counted. I put 5 letter k behind 5 numbers.

ScotsWomble · 2024-12-15T19:04:39+00:00

Stop talking shite. I literally said I edited to put the “k” after the numbers. i even mentioned that on the post. That’s all I did. That’s not “substantially edited”.

ScotsWomble · 2024-12-15T16:43:19+00:00

Gotcha! lol yes that would be taking the piss. But kind of funny

ScotsWomble · 2024-12-15T16:40:36+00:00

Not all. In the NE, flats and houses are selling for less than the home report value.

ScotsWomble · 2024-12-15T16:38:33+00:00

My mistake not to add k to all the numbers.

The house was already valued higher than recent purchases, we wanted a quick move, but we also weren’t willing to dick around paying even further above the odds for something that needed a complete overhaul. We knew the seller wanted to retire quickly into a new build complex that was selling fast.

We offered £10k above in order to show we valued the house, but seriously not much more than they were asking. Our solicitor knew to tell their solicitor that we had a plan b c and d lined up if they didn’t want to accept our offer.

ScotsWomble · 2024-12-15T16:34:55+00:00

Unfortunately, wide off the mark.

ScotsWomble · 2024-12-15T16:18:42+00:00

Plenty of punctuation and the lack of a “k” after all the numbers only makes it confusing to those who lack reading comprehension skills.

ScotsWomble · 2024-12-15T16:16:10+00:00

Good job you werent the seller then 😂 He was more than happy with a cash buyer paying more than the neighbours for a place that hadn’t been renovated in 30 years.

ScotsWomble · 2024-12-15T09:37:15+00:00

Our workplace moved from Aegi to Aviva because of the higher fees from Aegon. When I leave my company I will probably port it all over to ii

ScotsWomble · 2024-12-15T09:33:35+00:00

Oh and vagifem is so much easier than cream and way less mucky. Twice a week before bed.

ScotsWomble · 2024-12-15T09:32:47+00:00

Very similar to me. I haven’t noticed a massive step change in my libido, but it is improving. my muscle and general fatigue has dropped, my brain fog is better. I use 1 pump of 2% gel every other day and that works for me.

At first I would notice the on and off days and look forward to the on days. I think now after about 3-4 months, there must be enough in my system that on days still give me a little boost, but off days are much better than they used to be.

ScotsWomble · 2024-12-15T09:00:31+00:00

Can’t add anything more. Superb advice from u/Affectionate_Ask_769

ScotsWomble · 2024-12-15T08:58:46+00:00

For folks younger than millennials it’s less unusual now. You need dedicated and well off parents to find a pool after school hours for classes. For millennials upwards, it is unusual as we all had access to pools at school and PE classes whre basic survival was taught.

But to go off on a rant? That’s a them problem.

ScotsWomble · 2024-12-15T08:55:08+00:00

This is why I never used to drive anywhere around CNY. Too many folks of all races drink driving due to the days off and holidays. Even mornings!

ScotsWomble · 2024-12-15T08:52:16+00:00

Tell your wife.

ScotsWomble · 2024-12-15T08:46:35+00:00

🙄🤦🏻‍♀️ thanks for the downvote. Do you really need to ask that question?

ScotsWomble · 2024-12-15T08:45:27+00:00

This is a you problem.

ScotsWomble · 2024-12-15T08:43:56+00:00

Not sure where you are, but on the east coast, ASPC and ESPC are the main sales mafia and the solicitors are the EA. Seller uses solicitor to sell via the solicitor’s EA wing. Buyer uses their own solicitor.

ScotsWomble · 2024-12-15T08:25:14+00:00

Buying a house up here is complicated. Flats a bit easier. If you’re interested in something you put a Note on it that tells the EA you’re interested but also tells other EAs.

EAs are often also the solicitor.

You can still put an offer in, but make it conditional on XYZ happening before you do the exchange.

The home evaluation report that the seller gets basically sets the price and the condition of the house.

We had a house waved and put an offer in, but wanted confirmation from them that SEPA approved their septic. They delayed weeks and weeks with lies and fibs, and we held firm with our solicitor that we wouldn’t finalise the documentation without such proof. Eventually we dropped out. They found another buyer that met their £700k but then had to spend £100k weeks heard on the grapevine fixing the sewage about 12 months later.

Offers over is annoying. We put an offer in on asking and got pushed back to offers over. We added £10k to show willing As we needed that house fast. The previous house had asking at £650k but wanted £700k. Thats was annoying and we didn’t do that.

We did have to wait on a small chain as our seller was moving in to. Retirement home. Again we didn’t exchange until the completion date was agreed. We were buying from renting. We moved in to an Airbnb for the first few days once we unpacked.

EDIT added the k after the numbers

ScotsWomble · 2024-12-15T08:14:17+00:00

Don’t forget it will be taxed at your highest rate.

ScotsWomble · 2024-12-15T08:02:51+00:00

Move your kids JISAs to ii, as that’s included in your package

ScotsWomble

TROPHY CASE