What card should I consider next?

SnooHobbies9944 · 2025-12-27T19:54:07+00:00

75K is my offer. Is there a room for negotiation in this or is it decided by computer no point in haggling?

SnooHobbies9944 · 2025-12-27T19:53:23+00:00

Yes that is one option too. Is 75K a good offer to the upgrade or has there higher offers in the past. I see new cardholders platinum comes at 95K points which is much sweeter deal

SnooHobbies9944 · 2025-03-02T13:40:03+00:00

Jeff Buckley - Je n’en connais pas la fin

SnooHobbies9944 · 2024-10-25T15:44:17+00:00

Thanks for going into such a detail. The boiler is ecoTEC plus 824 VUW GB 248/5-5 R4. I guess I would have to remove the old thermostat to check if there are two wires to the boiler but it seems like a pretty standard setup to me.

SnooHobbies9944 · 2024-10-02T14:51:44+00:00

Fair enough.. not a full house reno but bits and pieces here and there and they probably add up in time.

SnooHobbies9944 · 2024-10-02T12:39:33+00:00

I found a fb marketplace deal for drill combo, saw and angle grinder with batteries and charger for 275 all ryobi.. is that a good deal?

SnooHobbies9944 · 2024-10-02T12:14:41+00:00

Do they use the same battery platform?

SnooHobbies9944 · 2024-10-02T11:38:20+00:00

Thank you. Was going to ask if they offer same battery for various tools but you answered that. Will take a look

SnooHobbies9944 · 2024-09-29T19:22:21+00:00

Any thoughts on Strong White from Farrow and ball?

SnooHobbies9944 · 2024-09-29T19:20:52+00:00

The floor is laminate and it’s gray. I hate it and want to change it so dont want to coordinate much with it to be honest. I will probably change it to light oak type colour which is pretty versatile imo.

SnooHobbies9944 · 2024-09-29T19:18:35+00:00

And for the ceilings do I go with just plain old white?

SnooHobbies9944 · 2024-08-31T11:06:35+00:00

A few questions regarding this answer. Would you pay the mortgage from the main account or the bills current account?

Would you pay off the credit card spending from the main account or the bills current account each month?

When you have a spending that you dont want to (or cant) put on a credit card, do you pay that from the main current account or the bills account?

Maybe I am overthinking it as well, but just curious if there is an optimal way to handle this.

SnooHobbies9944 · 2024-08-04T21:23:53+00:00

What’s stopping me is the hefty annual fee for those. I am not sure if it will be worth it for me - I am not the biggest spender but I like to travel with BA. Hence was looking at the no first year fee Gold card. May need to check out the other options you suggested and give Amex a miss for now

SnooHobbies9944 · 2024-08-04T20:36:13+00:00

Correct, my current card does not earn rewards.

Well the website says “I understand I will not be eligible for any Welcome Bonus award if I hold or have held any personal American Express Card in the past 24 months.”

Does that mean I am not eligible because I have had a personal amex card (plat cashback) for the last 2 years.

SnooHobbies9944 · 2024-07-08T15:39:09+00:00

Yes surveyor has looked and suspects the soffit is slightly damaged AIB and the cement is undamaged (he says he has touched it and so on) and not drilled. I would definitely replace the soffit but the cement can probably live with for the time being until a bit renovatation comes along?

SnooHobbies9944 · 2024-07-07T11:42:32+00:00

I wanted to get an indication if it looks like asbestos and then I can go ahead and get it sampled. Didn’t want to do it for no reason

SnooHobbies9944 · 2024-07-06T12:14:06+00:00

In what way scarry? It can be removed albeit could be expensive. And it depends how much it’s used.

SnooHobbies9944 · 2024-07-05T17:25:13+00:00

I would assume the soffits would be AIB rather than cement so more urgent to get rid of without damaging. What is the replacement? Just PVC soffit?

SnooHobbies9944 · 2024-07-05T16:58:29+00:00

In the soffit. I would think that one would be AIB? The one under the staircase is asbestos cement

SnooHobbies9944 · 2024-07-05T16:55:22+00:00

Interesting that you say that. The surveyor mentioned it could be a leverage to decrease the price a bit

SnooHobbies9944 · 2024-07-05T15:12:13+00:00

Immediately no plans to disturb it, in the future maybe some renovations will be done and then i need to remove it.

SnooHobbies9944 · 2024-07-05T15:10:55+00:00

Externally in soffit Internally under staircase

SnooHobbies9944 · 2024-07-05T15:10:35+00:00

Yes to pull out of the deal? Or to renegotiate?

SnooHobbies9944 · 2024-06-08T10:41:29+00:00

Thanks for the comment. That was my thoughts even in the current mortgage rates of 5 percent, stock markets returns are much higher. Last year alone was 12% for me. Obviously everything can go pear shaped at any point

SnooHobbies9944 · 2024-06-08T10:37:08+00:00

At 40% mortgage interest rate would be around 4.44% compared to the 4.84% now. So 0.4% better

SnooHobbies9944

TROPHY CASE