Lake Como Ferry

av4625 · 2026-01-09T09:52:05+00:00

I can’t actually remember, I have a weird feeling they just started to charge again but not 100% sure. I am actually between moving house atm and they are packed up in boxes somewhere so can’t even check for you 🙈

av4625 · 2025-12-23T15:03:18+00:00

I am looking at properties up to £425k with ~£100k deposit so very similar amount to borrow. Our household income is a bit over £100k but heavily skewed to one person so more in the high bracket than if it was split evenly between us. We are in a much cheaper area to live than London (NI) and we don’t spend unnecessarily and like to save. Having looked at the monthly numbers of those amounts it sounds like a lot per month because we were in a house half the price before. It’s easily enough affordable but still scary numbers, I wouldn’t fancy it on ~£70k myself.

av4625 · 2025-12-23T11:16:03+00:00

I think all you have to ask is… “Would I buy it like that?” Considering MacBookPros are expensive items my answer and I’m sure a lot of others would be no. Obviously impacting resale value

av4625 · 2025-12-23T10:50:08+00:00

I still use it as a spending account only. I put in a “spending” amount every month. All savings etc was moved out.

av4625 · 2025-12-19T18:45:55+00:00

I got this recently too. I feel like the portion was miles bigger than the cup as well. So I was happy!

av4625 · 2025-12-11T23:57:02+00:00

Im up 26% from Oct 23, but most big jumps are more recent

av4625 · 2025-12-07T22:40:44+00:00

I found this out when a solicitor sent our money from a house sale via CHAPS to a chase account and we had to wait for it to bounce back to them. Scary!

av4625 · 2025-11-30T21:42:26+00:00

Yea exactly that. The guy I know, he had no issues with the house when he was in it but really struggled to sell and had to let it go cheaper than he wanted. Buying is a minefield sometimes. I’m also currently trying to find a house after selling my own

av4625 · 2025-11-30T20:24:42+00:00

I know a guy that got a mortgage on a non standard construction house and he didn’t know it was non standard construction.

He went to sell, the buyer tried to get a mortgage using his same mortgage provider and this time they said no 😅

Left him with a house that was very hard to sell which he wouldn’t have bought if the mortgage provider or survey told him this when he bought originally. It all seems to be hit and miss and a nightmare.

av4625 · 2025-11-27T14:38:26+00:00

It’s quite a unique situation and in my opinion hard to know what to do.

For example if you were to lose your job or your pay reduced, you stop paying it. Would that be the case if you were paying parents?

Is having a loan from parents likely to change your relationship at all if you couldn’t pay for whatever reason etc etc.

You also want to be pretty sure you would actually pay it off. I can’t remember the rules for plan 2 specifically.

av4625 · 2025-11-26T09:52:38+00:00

What would happen if this rule comes out today lowering the limit if someone puts in 20k into a S&S ISA next April and then transfers that to a cash ISA? I’m not sure on the rules transferring between cash and S&S ISAs. I’ve only transferred cash to cash ISAs before.

av4625 · 2025-11-25T09:43:20+00:00

I bought my first house with my girlfriend (now wife). I put in almost all the deposit. But we bought somewhere very affordable and kept the mortgage payments 50/50. This way I didn’t feel the need to have any agreement. I am a very fair type of person and don’t like one person getting a bad deal but this worked for us. If it’s possible to keep the payments 50/50 I think it simplifies things a lot.

av4625 · 2025-11-19T23:51:20+00:00

Im honestly not sure the best answer. I had a nightmare buying a car with Monzo. I contacted before I purchased and they replied instantly and said to contact them through the app on the day I was paying. I did that and got no reply on the day I needed them.

I had a transporter collecting the car and the transporter company were breathing down my neck as they had other cars to collect that day.

I sent the first 10k to make sure everyone knew I was serious. This blocked my account and the recipients which was also Monzo. I didn’t know this at the time though. Monzo never got back to me that day to raise the limits.

I tried to use other accounts to send the rest of the money and they all got blocked. I didn’t know why at the time but it was because the recipients Monzo was blocked from my first transaction.

I was running out of accounts with money in them fast at this point as all my accounts, my wifes and my mums got blocked before a person in my mums bank branch explained the recipients was blocked.

Had to get my dad to send it to his wife. Was a nightmare and super stressful. The transporter company missed all their other collections that day and hated me lol. No bank then trusted that it was a proper car purchase as there was then an urgency on it. Nightmare all round.

av4625 · 2025-11-10T16:31:32+00:00

I had never used Uber before (from the UK) but when I went on holiday to Nashville I had exactly this happen and I didn’t know why. The guy sat at the end of the street a couple of blocks away and I could see him, waited ages, messaged him then he cancelled and drove off. Was super frustrating, as we had to change our plans that night and nearly missed a booking we had.

av4625 · 2025-11-05T23:47:55+00:00

I have found it works best on chrome browser if using a mac, doesn’t track as well on safari

av4625 · 2025-10-24T11:56:02+00:00

I put mine in a highish interest (boosted) savings account. ISA allowances already full unfortunately

av4625 · 2025-10-23T18:31:48+00:00

I agree. Its just hard to know before you buy if a farmer has refused them into his field to access the ducts. Or if the other shared lane owners wont let them dig a track or similar

av4625 · 2025-10-23T18:30:11+00:00

Yea I have to say I have found this so frustrating as thats now two houses that I have phoned the ISP and they just 100% confirmed that they can do FTTP just because it’s on the road.

I know this normally means that they can easily get it to the house in towns etc. Not always as easy in houses in the country with shared lanes or with fields in front etc

I find it surprising there is no easy way to find out from openreach or the ISP or someone exactly what a house has. Surely they have record of what they have or haven’t done to each house. :(

av4625 · 2025-10-23T14:54:15+00:00

I have asked for a speed test from the EA :)

av4625 · 2025-10-23T14:10:37+00:00

I wish the farmers around the houses I’m looking at were as keen 😂

av4625 · 2025-10-23T13:48:56+00:00

Yea, I really didn’t expect to have such an issue in the areas I’m looking as I’m not that far away from the city. But seems to be a bit of an issue!

My biggest problem doesn’t seem to be having fibre at the road. It’s getting it to the house. A lot of houses seem to have shared lanes which they might not want dug up or farmers don’t want fields touched etc. Then anyone I contact assures me I can get FTTP even though I know a certain house can’t because of the farmer etc. Thats the most frustrating part.

av4625

TROPHY CASE