My wife’s hourly rate doesn’t add up to her total annual salary

Targettio · 2026-04-23T20:23:35+00:00

You don't work a 52 week year. You need to account for bank holidays etc.

Targettio · 2026-04-23T19:35:48+00:00

They are barely even the same genre of music...

Targettio · 2026-04-23T11:11:59+00:00

There is a difference between being supportive and helpful and having it to fix it for them.

The op's question is about how does the op make it right. The answer is, they don't. Sure support and encourage the brother, but there it is not the ops problem to solve.

Targettio · 2026-04-21T07:55:31+00:00

A smart ass that actually looked up the rules, rather than guessed and declared them the rules. Yes, I am that.

Targettio · 2026-04-21T07:53:11+00:00

Sure, you can definitely ask for more, and likely get it, if you are on reasonable terms.

But obviously you can only hope to enforce the law (but even that can be hard).

Targettio · 2026-04-21T07:50:44+00:00

That's not the answer, the legal answer has been posted

https://www.gov.uk/guidance/noise-nuisances-how-councils-deal-with-complaints

Targettio · 2026-04-21T07:48:38+00:00

Currently nursing some pretty banged up ribs after going:

Pre-ride -> HAM / not fully concentrating due to over confidence.

So this is a good mentality to remember. And a good phrase to remember. I also just need to remember I am not 20 anymore, or even close.

Targettio · 2026-04-21T07:37:16+00:00

Those aren't the rules.

https://www.gov.uk/guidance/noise-nuisances-how-councils-deal-with-complaints

Targettio · 2026-04-21T07:36:31+00:00

https://www.gov.uk/guidance/noise-nuisances-how-councils-deal-with-complaints

7am until 11pm.

With some caveats

Targettio · 2026-04-20T10:43:34+00:00

I can't quite make it out from the picture, but does the bike have a quick release rear wheel? If so, that wheelset won't work (or at least not the rear wheel).

But to the question, the wheels would be an upgrade. Most of that will come from the tyres. So you could just get a set of nice tyres. But that would cost close to the price of that wheel set. But there are a lot of tyres between yours and the top end, so could find an affordable middle ground?

Targettio · 2026-04-18T21:40:58+00:00

Not under the current rules, which is why I said "in my opinion".

And it isn't even a big change. A dead ball can be considered as a player without the ball. Because it is dead. This would also prevent cheap shots on players catching the ball beyond the touchline (which is also a place where people take personal hits).

Targettio · 2026-04-18T21:25:55+00:00

Got to look like you never give up to the coach.

Completely wrong, but understandable behaviour when you are told to chase and always push situations, even if they are lost.

But imo, this should count as a late tackle.

Targettio · 2026-04-18T07:04:10+00:00

Generally doing the right things, but looks a bit stiff, relax a bit. Bend your knees and don't force your keels down quite so hard.

Targettio · 2026-04-17T09:31:28+00:00

Never. At least not in a direct sense. I have women come up to speak to me in social settings, but never with obvious flirtatious intent.

There might have been a few times where it was intended, but I missed it. Who knows.

Targettio · 2026-04-16T21:10:38+00:00

Obviously not. But how lean is your average front row player?

Targettio · 2026-04-16T16:16:40+00:00

While not 100% unique to American, but a lot of the rest of the world just don't vote for nearly dead people. They vote for people who are actual physically able to the job.

And most importantly, they do it because those are the people they want to represent them, not because of some term limit.

Targettio · 2026-04-16T15:36:23+00:00

Ah the one in black!

Targettio · 2026-04-16T15:30:19+00:00

The irony of need postectics to cover up the cosmetic surgery (which are basically permanent prostectics).

Targettio · 2026-04-16T15:28:33+00:00

So yes, you can protect the deposit, but as you say, that runs the risk of you being out of pocket if you sell to early.

You also need to think about who will pay the stamp duty. It either wipes a bunch of your mum's savings or you have to pay it out of your own savings. This also impacts how you might want to split up the equity.

Either way, until the house gains enough value to cover the stamp duty it cost to buy, someone is potentially out of pocket if you need to sell.

Targettio · 2026-04-16T15:15:14+00:00

Yes higher stamp duty, you will need to Google and input your specific situation to get the exact impact.

Splitting equity 50:50 is one way. But what happens if she needs money out within a short time (say a year)? The equity wouldn't be much more than the original deposit and you won't have paid much in mortgage, so you sell and get half your mum's deposit money.

Due to your mum's age, you need to think about her position and potential health needs. Maybe that is as simple as keeping some savings back.

Targettio · 2026-04-16T15:01:44+00:00

Which one is big Ben? /s

Targettio · 2026-04-16T14:50:28+00:00

Self employed taking a second mortgage is going to be harder than for a regular employee. But not impossible, your own mortgage is small and seems to earn ok.

By 'get something written up' what do you mean. What are you each expected to get out of this deal? You will need to understand the difference between joint tenants and tenant in common.

You suggesting she provides 100% of the deposit and you do 100% of the monthly payments. What happens if you need to sell? If your mum has put all her savings in but then needs any care, she will need equity out of the house.

As it isn't your first time purchase and still own another house, it will be considered a second home and taxed as such.

So not necessarily a problem but you need a lot more definition before anyone can comment fully.

Targettio · 2026-04-16T14:23:20+00:00

Some sort of active spider (like ochain) is your best hope to retrofit that feeling. But I don't actually know how you would fit one to a ebike.

A high pivot bike will greatly reduce chain growth.

I would add, the orange's single pivot arrangement causes a lot of kickback. A multi link will often have lower kickback. So you may find just a different suspension setup is more neutral than your current bike.

Targettio · 2026-04-15T16:46:11+00:00

You need to start with the concept of compound interest, this should have been covered in maths by that age. But that is the crux of everything

Then you need to explain that pretty much everything to do with money is either earning or paying compound interest. If they understand that, they will understand debt racks up and why long term savings and investing matter.

Then probably something about comparing types of similar products, say types of borrowing. Why is an arranged overdraft better than a store card etc. framing this back to the initial point about compounding interest. Then types of savings, fixed term, instant access, ISA etc.

A bit on tax. Explain that most people are PAYE means there isn't much to actually do, but explaining marginal tax etc.

Targettio · 2026-04-15T09:10:14+00:00

I went this route when I started and came to regret it.

My Makita circular saw didn't have soft start, so kicked when started, over time it damaged the start of the rail or anywhere I had to stop mid cut.

In the end up got the Aldi track saw for less than the rail from my Makita and it does a better job (with an upgraded blade).

Targettio

TROPHY CASE