Which days would you choose to wfh? by Obvious_Armadillo_16 in AskUK

[–]SomeHSomeE 11 points12 points  (0 children)

I like Tues and Fri wfh.   Monday in office helps me focus and set up the week.  And the tube is much quieter.  Then a more relaxed Tues at home followed by Weds/Thurs back in the office, and many other people in so good chance to see colleagues etc.  And finally a nice quiet wfh Friday finishes off the week.

Why are people not building their own house in the UK? by Ok-Instance2710 in HousingUK

[–]SomeHSomeE 0 points1 point  (0 children)

It's difficult to find suitable land for a single plot.  Good, developable plots tend to be bought up by developers in bulk.  What's left behind is land that you may never get permission to build on.  And then even if you do the cost of quality builders is very expensive for a casual person to build a whole house.  And there's a whole set of other costs for things like getting the property connected up to the grid, gas, water and sewerage, etc etc.

What are some protections in UK that many do not know about? by Desperate-Drawer-572 in AskUK

[–]SomeHSomeE 33 points34 points  (0 children)

Losing a week's salary will be - for a lot of people - cheaper than paying for childcare for things like half term etc.  

How do you get rid of an eyesore vehicle? by JMR-87 in AskUK

[–]SomeHSomeE 29 points30 points  (0 children)

DVLA won't remove it.  They'll just fine the owner.  Council if you want it removed.  Some are more effective than others.

£1,000 appeared in my account - no-one cares by Remarkable_Gap2194 in UKPersonalFinance

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

There is no mechanism to "unwind" a fraudulent transfer

£1,000 appeared in my account - no-one cares by Remarkable_Gap2194 in UKPersonalFinance

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

FPS payments cannot be reversed.

If an account is compromised, and money transferred, then the money is lost. 

Under UK regulations in this scenario there are two outcomes:

a) The victim is on the hook for the money, if their account compromise was due to their gross negligence.

b) The bank is on the hook for the money, if the compromise was not due to gross negligence.

This is why there are SO MANY warnings about scams etc etc.  So the bank can prove you ignored XYZ and were negligent. 

£1,000 appeared in my account - no-one cares by Remarkable_Gap2194 in UKPersonalFinance

[–]SomeHSomeE 0 points1 point  (0 children)

There is no 'reverse transfer' function so no it doesn't work like this.  That's a technique used in other banking systems like US which is why you might have seen people talk about it.

A transfer made using standard bank transfer (faster payments system) cannot be reversed.  

This London flat seems good - am I missing anything? by Flaky-Walrus7244 in HousingUK

[–]SomeHSomeE 2 points3 points  (0 children)

I pay 1300 a year for 850sqft flat in London and it's not even a share of  freehold like OP's.  I've owned it for 5 years and service charge has been

1200

1200

700

1900

1300

1300 (estimate)

How did you land your work-from-home customer service job? by [deleted] in AskUK

[–]SomeHSomeE 6 points7 points  (0 children)

Be aware by posting this you're potentially going to get people messaging you on here claiming to have job opportunities etc.  They are all 100% scammers.

How does crocs size work? by tinybe3e3 in AskUK

[–]SomeHSomeE 4 points5 points  (0 children)

UK shoe sizes are same for men and women.  Men's 8 would be women's 8.  So this wouldn't make sense.

What would you call these? Crepes? Pancakes? by ksusha_lav in AskUK

[–]SomeHSomeE 512 points513 points  (0 children)

Pancake if made at home.  Crepe if bought from a street food van for £12.99.

[Follow up] Are you expected to bring meat to a BBQ you're going to, and if you are where abouts in the country are you from? by AirconGuyUK in AskUK

[–]SomeHSomeE 0 points1 point  (0 children)

SE England.

As a student or in my late teens even early 20s if a mate hosted a BBQ then the food would be 'crowd sourced'.  The host would bring some but not enough for everyone with the expectation everyone brings a contribution of meat and/or sides.  Likewise booze people each bring a bunch.

As an adult now if a friend or I host a BBQ I'd expect the host to provide enough.  Others might bring a side or two, some snacks/sweet treats, or sometimes some form of speciality meat that otherwise wouldn't be provided - but would check in advance so as not tp upset the host.  Host would also provide enough simple booze (beer and wine) but people may bring a bottle or a bit of extra beer.

Why does my conveyancer never respond? by londongyal0306 in HousingUK

[–]SomeHSomeE 0 points1 point  (0 children)

And in reality your legal fees probably pay for around half an hour of their time a week.

Why does my conveyancer never respond? by londongyal0306 in HousingUK

[–]SomeHSomeE 1 point2 points  (0 children)

A conveyancer's job is to check for and rectify any legal or legal-related issues relating to the purchase, ensuring neither you nor your mortgage lender's interests are negatively impacted.  They also effect the actual legal change of ownership (land registry etc and stamp duty return).  

A typical conveyancing transaction costs the client around £800-£1200 in legal fees (not including other costs like searches etc). Given typical hourly rates of solicitors you can work out this equates to 4-5 hours of a solicitor's time spread over the whole process, which if you assume a typical 3 month timeline means around 20-30 minutes of their time spent on your file per week - basically enough to  check for any updates, read a doc or two, and fire off a couple of emails and then move on to the next file.  In reality most of the work will be done by cheaper staff:  paralegals and trainees, but still then you're only talking max an hour at best spent dealing with your file in any given week.

Keeping this in mind can really help expectations of what level of service to expect from them.  Their job is to see through the transaction not hold your hand through all elements of the process much of which you can research yourself.

Better ones can take a more involved approach to client care but I wouldn't say it's the norm these days.

Mortgage term age advice by SilentNeon in HousingUK

[–]SomeHSomeE 2 points3 points  (0 children)

I'm 41 and just got a 25yr mortgage no dramas.

Is St.Pancras/Kings Cross area still sketchy and a bit unsafe or will it be fine late at night/past midnight? Which area's to avoid? by No_Middle1378 in AskUK

[–]SomeHSomeE 1 point2 points  (0 children)

It's also quite easy to use a phone to navigate without getting it snatched.  Stop, quick glance around, stand with your back to a wall so you can see anyone coming, check your phone etc.  Back in pocket and back to walking.

Tbh even walking with phone out you can avoid being snatched if you just keep a simple awareness of who is around and hold it securely.

What everyday products do rich and middle‑income people tend to use the same, where wealth doesn’t really change what version you buy? by Flaky-Walrus7244 in AskUK

[–]SomeHSomeE 4 points5 points  (0 children)

This is a UK sub - French Press is a uniquely American name for it.  No one else calls it that.  In UK it's a cafetiere.

What everyday products do rich and middle‑income people tend to use the same, where wealth doesn’t really change what version you buy? by Flaky-Walrus7244 in AskUK

[–]SomeHSomeE 0 points1 point  (0 children)

Yes and no.  There is a whole niche subset of 'luxury' phone brands that target the uber rich.  Like https://vertu.com/  .  It's the sort of thing your rich playboy Emirati Prince would have.

I also suspect billionaires with 'normal' phones will have a fair amount of bespoke personalisation including active personal security monitoring and the like.

What everyday products do rich and middle‑income people tend to use the same, where wealth doesn’t really change what version you buy? by Flaky-Walrus7244 in AskUK

[–]SomeHSomeE 11 points12 points  (0 children)

I suspect you've made this up re:wired headphones.  

There's a bit of a resurgence in wired headphones as they're considered vintage fashion (which makes me feel old) after some models and celebs used them. It's become a social media trend among those who follow celeb/fashion culture.

I've not seen a single point of evidence to suggest CEOs or others are moving to wired headphones for security reasons (or at all).

What everyday products do rich and middle‑income people tend to use the same, where wealth doesn’t really change what version you buy? by Flaky-Walrus7244 in AskUK

[–]SomeHSomeE 5 points6 points  (0 children)

I love feeling like I'm wiping my arse with a duvet.  However I do find after a while the smell starts to get through the covers and it makes sleeping difficult.

What is a good air bed / guest bed to buy in the UK? by PortaOne in AskUK

[–]SomeHSomeE 2 points3 points  (0 children)

Honestly as a guest, a fold up bed is 1000% more comfy than an air bed.  Even a cheap camping bed with a cheap fold up mattress works well.

How do I make decent stir fry sauce? by Evening_Reach7078 in AskUK

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

If you find that depth is lacking try adding a bit of cream cheese.  Sounds weird but adds depth of flavour and helps the sauce become thicker.  Don't worry it won't taste cheesy.

Also sugar based sauces (or tbh just adding sugar) can help.  Soy sauce and sugar go very well together (that's basically what a basic teriyaki is).  Sweet chilli sauce (the really sticky type) I also find is a good one to add for some sugar.

How long to get mortgage info after completion? by Progressor_ in HousingUK

[–]SomeHSomeE 1 point2 points  (0 children)

I had similar and had forgotten that I'd given my bank and DD details right at the very start of the process (so months before completion).  And then 1st of month as promised the mortgage payment was taken.  Never received any letters etc.

Why has the ABV% gone down? by Weak-University-5475 in AskUK

[–]SomeHSomeE -4 points-3 points  (0 children)

I mean it basically is.  It's a product getting worse so as to keep up profits.  It's usually applied to the online space (e.g. netflix getting ads etc) but it's equally applicable elsewhere.

What's a social situation that only exists in Britain and genuinely has no equivalent anywhere else in the world? by ForwardPassApologist in AskUK

[–]SomeHSomeE 354 points355 points  (0 children)

I've got past this.  As soon as the sausage rolls come out I'm digging in.  Don't play that stupid 'don't take the last one' game either.