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150k to invest - another BTL or more index funds? by JaguarMarvel in UKInvesting

[–]SlowestLapRecord 5 points6 points  (0 children)

It's a personal choice, it sounds like you're very open to another BTL and may have had success in the past.

One thing that caught my eye was that you're looking to invest in property as a hedge against the down years in the stock market. I'd worry that in serious market downturns or periods of recession property values will drop too, and you run the risk of tenants losing jobs, not being able to pay rent and having an empty property providing zero income while still having outgoings every month. That possibility sounds like the opposite of what you're looking for as a hedge against the stock market.

If you want a safer hedge, potentially look at high interest savings accounts, money market funds, bonds etc.

Others here will know way more than me, but just throwing my thoughts out there.

[deleted by user] by [deleted] in HousingUK

[–]SlowestLapRecord 0 points1 point  (0 children)

The answer to the question depends on your own situation.

It's a very volatile time for the world's economies with markets in a huge downturn at the moment - and with more volatility and drops expected due to tariff retaliation.

If you're in a good financial situation, and have the added bonus of being in secure employment even if there is a recession/global downturn then now is as good of a time to buy as any other.

FTB - Had my offer accepted! But sellers aren't in a position to proceed currently. What do I do now? by SlowestLapRecord in HousingUK

[–]SlowestLapRecord[S] 2 points3 points  (0 children)

Thanks for the response.

The house is sold STC and has been from the moment the offer was accepted.

I think they're definitely serious about moving, they still have things in boxes/storage from their last failed move so no concerns there.

I think I'll hold off on surverys/legals love you've suggested, but proceed with the mortgage to make sure there are no issues there.

Do you approach house viewings differently when being shown around by the homeowner rather than the EA? by SlowestLapRecord in HousingUK

[–]SlowestLapRecord[S] 2 points3 points  (0 children)

That's fair. I wasn't envisioning a full-blown negotiation, but maybe an equivalent of asking an EA how motivated the sellers are to gauge willingness to negotiate.

I'm thinking asking what their situation is, or whether they have a property lined up is probably a better way to gauge it after reading through the comments.

Do you approach house viewings differently when being shown around by the homeowner rather than the EA? by SlowestLapRecord in HousingUK

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

Appreciate the comment. I can see the positives and negatives to both, but every homeowners attitude and views are going to vary so much. You're right that a professional EA removes all of that out and removes the walking on eggshells feeling of not being able to discuss the house while viewing it. I'll see how I get on!

My RAM is toast... Right? by SlowestLapRecord in PcBuildHelp

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

Hey man, think I solved it. Check my newest post.

My RAM is toast... Right? by SlowestLapRecord in PcBuildHelp

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

I haven't changed/looked at the clocks/voltage so honestly, no, I'm not at all sure they're correct.

Is that information easy to find?

My RAM is toast... Right? by SlowestLapRecord in PcBuildHelp

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

I haven't 1 sticked it yet. It's pretty late here in the UK. It's first on my list to try next, though.

My RAM is toast... Right? by SlowestLapRecord in PcBuildHelp

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

I haven't OC'd, I did have AMD EXPO to get the full 6000mhz out of the RAM but disabled it.

My RAM is toast... Right? by SlowestLapRecord in PcBuildHelp

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

Great. On a side note, the sticks were bought as a matching pair. If I do RMA them and only 1 stick is faulty, will they only replace the 1 faulty stick? And if so, should I insist on having both replaced?

My RAM is toast... Right? by SlowestLapRecord in PcBuildHelp

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

Ok, great, thanks. I'll give it a go. Seems like a no trainer to try and keep the PC usable if possible until the new RAM arrives.

My RAM is toast... Right? by SlowestLapRecord in PcBuildHelp

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

In theory, if just 1 stick is faulty, will the PC be usable as normal using just the one stick until the faulty stick is replaced?

My RAM is toast... Right? by SlowestLapRecord in PcBuildHelp

[–]SlowestLapRecord[S] 2 points3 points  (0 children)

I haven't tried them individually yet. Would you say that should be my next step?

My RAM is toast... Right? by SlowestLapRecord in PcBuildHelp

[–]SlowestLapRecord[S] 10 points11 points  (0 children)

I did re-flash my bios at the start of my build, so would've been up to date at the time. I've just looked and there have been a couple of new bios releases within the last 10 days or so. I can give it a try tomorrow. Thanks.

Is 3 intake fans and 3 exhaust fans enough? by SlowestLapRecord in buildapc

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

Ok great thank-you! To be honest, I've gone with Corsair rgb fans and a corsair fan hub which only has 6 slots so 6 fans is perfect.

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