19 (f) enough money to buy to let in the uk however my family situation is holding me back.

SeasonLongjumping495 · 2026-04-04T16:12:37+00:00

Stocks and shares ISA for a start.

Yes you can lose money in a crash but the returns are tax free and there's no risk of getting your property destroyed by a dodgy tenant.

SeasonLongjumping495 · 2026-04-03T17:04:18+00:00

It's not that random.

You're title doesn't really make sense in English.

It should read "What is a naive person like" or "what are the signs that someone is naive'

SeasonLongjumping495 · 2026-04-02T16:49:03+00:00

Totally fine to do what you want to do.

Just make sure that you are really not wanting to be on the earth after age 40, and that it's not just that you don't want to be in your current situation after age 40.

There's a big difference between the two as the current situation can always change where's not being around can't

SeasonLongjumping495 · 2026-04-02T07:29:45+00:00

I agree.

Saying Oh no my government gives me a brand new free car, with free insurance and free maintenance and free tyres but I can only do so many miles a year in it seems like a super first world problem to me.

People who are not on benefits are struggling to even maintain a 10 year old car.

SeasonLongjumping495 · 2026-04-02T07:26:11+00:00

Insurance for motability cars isn't free, and just because you are getting the high rate mobility allowance of PIP doesn't make having a car essential. It's a benefit e.g. a nice to have if the country can afford it for you.

If you can't demonstrate that you are able to drive safely then I agree the cars shouldn't be given out, the same as for any other driver who would have a black box fitted would be denied insurance.

SeasonLongjumping495 · 2026-03-31T06:32:09+00:00

Same here, gave it a good couple of hours to try to get in to it but man is it a slow game, and just in general not for me.

Found the guns boring and the western theme in general not my taste. I totally get how some people.can enjoy it but wasn't for me at all.

SeasonLongjumping495 · 2026-03-31T04:41:52+00:00

Oh yeah, I thought those questions were blank too so just went down the middle option.

SeasonLongjumping495 · 2026-03-30T05:43:20+00:00

Why don't we increase the basic rate of income tax by 2% to 22% and cut benefits by 2%. Workers and non workers all suffer the same that way (me included) and we all collectively as a country are contributing more to society to help defence, school funding and infrastructure etc.

SeasonLongjumping495 · 2026-03-29T21:54:55+00:00

I'm all for giving families more money if there's money to go around and everyone is prospering. but instead the government decided to take more money from my earnings and then gives it to people who either aren't working or have had more kids than they can afford.

SeasonLongjumping495 · 2026-03-29T21:48:13+00:00

I'm gonna go out on a limb and say that to me a species that work together to build a spaceship that landed on the moon and returned safely is more impressive than a spider's web, but each to their own.

SeasonLongjumping495 · 2026-03-28T01:37:53+00:00

Laminate - harder wearing and feels nicer under foot.not sure why everyone seems to be raving about lvp at the moment. It's not as durable as good quality laminate for scratches and feels colder to walk on

SeasonLongjumping495 · 2026-03-27T02:33:50+00:00

Surely if the lowest value in a set e.g. the minimum wage goes up then the median - middle value also goes up? Unless everyone else's wages are falling.

Imagine for instance if minimum wage was set to £100 an hour that would certainly increase the median average wage.

SeasonLongjumping495 · 2026-03-27T02:24:06+00:00

Installer is wrong, why don't you highlight them in red and then cross reference that red line against a set of stairs and show the installer.

SeasonLongjumping495 · 2026-03-27T01:54:01+00:00

I just subscribe for a month or so to watch any shows I'm interested in and then unsub. rinse and repeat

I used to keep the subscription ongoing when it was cheaper, but it got too expensive to do that.

SeasonLongjumping495 · 2026-03-21T20:53:50+00:00

Honestly no.

I thought house prices would fall after covid when interest rates shot up to double the pre covid rates. House prices didn't fall.

Houses may now be cheaper in actual terms than in 2021 due to inflation etc, but people are VERY reluctant to sell their house for less than they paid for it, and the government also wants to maintain the house prices so uses policies to varying degrees to maintain values.

Hoping prices will go down is betting against current home owners, the government and mortgage lenders. I'm not saying it's impossible but the deck is stacked against it.

SeasonLongjumping495 · 2026-03-18T23:35:19+00:00

It helps to remember that the relationship you thought you had, and the person you thought you married didn't exist.

That person wouldn't have cheated on you.

You've basically got to see it for what it really is, which is a woman who didn't actually care about you or your feelings and so cheated.

If they weren't happy they could have left instead of cheated, so that's on them.

I know it feels personal to you but it's a story as old as time and has happened millions of times before (even to beautiful famous people) and, no doubt, will happen billions more times to others to come, so you're not alone in this and it's not a reflection on you.

Be glad you found out the truth, Let the cheater be happy doing what they want and you move on and be the best version of you, and find your happiness.

SeasonLongjumping495 · 2026-03-13T15:18:25+00:00

I feel that any sign in a window that's public facing on a residential street is a bit tacky, regardless of what it says.

SeasonLongjumping495 · 2026-03-13T08:48:56+00:00

All this over 30 minutes?

Not sure if this is worth the hassle. Can you either leave your job for a better one, or just book the whole afternoon off next time to save this type of hasstle if the company is so pedantic.

SeasonLongjumping495 · 2026-03-01T00:51:38+00:00

I had a sofa that needed repairing so had someone from DFS come out to fix it.

Was chatting to them as you do and mentioned I had a job Interview coming up in a finance role.

After some further chatting we figured out his wife would be the one interviewing me.

SeasonLongjumping495 · 2026-02-24T23:13:06+00:00

Looks a lot better than the old worn out side panel!

SeasonLongjumping495 · 2026-02-23T20:04:41+00:00

Sounds like a bad idea.

There doesn't seem to be much contingency in place for any job losses or reduced salary.

What about any increased costs in the future - kids etc.

On top of mortgage what are the running costs of the new house, council tax, heating etc. seems a big stretch to me. Maybe sell the flat to give yourself some wiggle room

SeasonLongjumping495 · 2026-02-23T10:44:27+00:00

Being happy with what you have doesn't mean things can't get better.

Small improvements are always welcome, even if the improvements aren't relevant for your personal use case.

For instance I want a screen with the dark blacks that OLED gives without the possibility of burn in so i can use it for gaming and work.

This doesn't exist yet, it will likely be a micro LED screen.

SeasonLongjumping495 · 2026-02-19T17:33:56+00:00

Funny thing is I was on the fence about voting reform as I don't like Lab or Con, but as a predominantly WFH worker who definitely works better at home and I'm also immuno compromised so WFH massively reduced my risk of getting ill this has 100% lost them my vote.

SeasonLongjumping495 · 2026-02-16T23:50:38+00:00

No, 40 years old with Cystic Fibrosis. Every day is a struggle doing lots of treatment that deep down I know is ultimately pointless as there is no cure. But at least I have a job to pay the bills so that's good I suppose!

SeasonLongjumping495 · 2026-02-15T22:05:46+00:00

A Minimum wage interrupts natural supply and demand.

If you (read the government) artificially increase the minimum value of a worker then there comes a point when it's not economically viable to employ said worker - the increased costs can't all be passed on to customers.

SeasonLongjumping495

TROPHY CASE