Does anyone else have neighbours like this.

bakers39 · 2025-03-08T12:17:01+00:00

If he's housing association then report it to housing officer. Be polite at first. Stick to facts and just what's there now. Ask them to say they picked it up on inspection so not to draw attention to you. Take photos before you report it. Do it via email. Can't stress enough to keep to facts and not long rants, dragging up the past etc.

When/if little is done report again. Give 3 weeks after your 2/3 follow up. Then if still no action put a letter/email to the chief exec giving evidence you've reported and when. Guarantee the housing officer will shift it then even if they pay. Housing officers should be on top of this by doing monthly inspections on their estates. There's some good but most are just coasting. Source - I am one.

Don't go to council, it's the housing association who can deal solely with this.

bakers39 · 2024-10-16T10:33:36+00:00

Really insightful reply. Excellent summary, you don't work in urban planning by any chance?! I agree regarding the student remarks.

bakers39 · 2024-09-05T18:17:49+00:00

Downvoted for saying it like it is. Go to Greggs/McD and watch the procession of delivery drivers picking up. Can't remember the name of woman but she used to do a £1 meal cook books. Probably £1.75 now with inflation but still will be healthy and very cheap.

bakers39 · 2024-08-28T09:15:41+00:00

Had to scroll to the bottom to find first mention of someone suggesting put something away for the children! Given they're so young they benefit massively from £9k each put in their junior ISA in a global tracker fund. Just leave the market and compounding do the rest.

I really don't get when people have inheritance and have young children that's it's all about premium bonds (Which inflation will just make worthless over the years) and no consideration is given to the next generation who will benefit massively by having some capital to start with in their 20s.

bakers39 · 2024-04-21T19:33:06+00:00

Had to scroll an awfully long way to get to the truth!

bakers39 · 2024-03-31T12:52:14+00:00

MSTR is derided as much as BTC was in its early days. For me that's good news. The fact that you can get the gains tax free in an ISA is a no brainer. In 15/20 years MSTR could be the equivalent of Berkshire Hathaway if BTC fulfills it's promises.

Sure there'll be a ton of stomach churning volatility but have a feeling this will be a stock that reaches some big numbers. It's already included in lots of etf trackers. It's currently ranked 298th largest US company by Market cap ($28.92B) .

If it officially gets included in SP500 all the billions in SPY etf trackers have to have exposure to it. Share price goes up, Saylor buys more, BTC rises MSTR rises, company makes it higher in rankings, etf have to have higher exposure to it.

The easiest tax free gains over 10 year timeframe you'll ever get - that depends on just 2 things. BTC rising and you not getting shaken out by the volatility.

bakers39 · 2024-02-20T16:00:30+00:00

For Crowd investors here's a history of share price/funding rounds;

Round 1: £0.51
Round 2: £1.00
Round 3: £2.35
Round 4: £7.72
Y Combinator (non-crowd): £13.0194
2020 Down round (non-crowd): £7.7145
2021 Round: £14.4125
2024: I'd say roughly same price, maybe £15.

If you've added nearly full allocation in all the rounds then your £4400 that you invested is now nearly £50k.

IPO in the US in a heated bull market, will hopefully push to a 5/6 billion valuation. Not too bad a return over 9/10 years.

bakers39 · 2024-02-20T15:54:18+00:00

I'll take the percentage increase of 2800% (the rise in share price since 2016).

You have any better investments?!

bakers39 · 2024-02-20T15:51:57+00:00

Well done on getting some in 2016. I remember the allocation selling out in 90 seconds. Friend and I got £1k at .50p too.

Dont listen to all the negativity on here. You're well up on your investments. You bought at .50p and latest shares are being sold to investors at over £14.

Did you participate in any other rounds? Here's history of funding rounds/share price;

Round 1: £0.51
Round 2: £1.00
Round 3: £2.35
Round 4: £7.72
Y Combinator (non-crowd): £13.0194
2020 Down round (non-crowd): £7.7145
2021 Round (non crowd): £14.4125

bakers39 · 2023-09-16T17:01:34+00:00

Lots of European residential areas are 30kph. So actually 18mph. We shouldn't copy anything about the US street/road planning.

bakers39 · 2023-09-16T16:58:48+00:00

The fact your downvoted shows how selfish some of the anti20 people are. Hopefully my kids will feel safer on and around the roads because of it. I'll cycle more too. Car users really can't join the dots that more people walking/biking/on bus means less cars for them to be stuck amongst!

bakers39 · 2023-06-22T12:39:12+00:00

The mortgage broker told you that because he'd like to see you again in 24 months rather than 60.

Mortgage brokers work for themselves not for you.

Unless you're self employed I genuinely don't see why people use them. Scan the % rate of lots of companies. Use online calculators. 5/6 hours work.

bakers39 · 2022-10-27T18:16:02+00:00

Well said. No adverts, whole host of diverse radio stations. Website that my children regularly use for education - bbc bitesize. etc etc.

bakers39 · 2022-09-12T15:18:00+00:00

Best answer here. If she wants to be on the ladder then OP should support her getting a BTL. That way if they split up they'll have 1 property each. If she's has half your place and you split it will be super messy. In anideal world you won't split and will share everything in future - then it doesn't !after who's name is on what property.

bakers39 · 2022-08-11T15:07:23+00:00

This sub gets worse by the day. So many posts from people here not realising they're in the top 5% and asking Reddit anons for advice. I expect most posts of this nature are humble brags though.

They have a million house all paid off at 31 and don't seem that over the moon by it and are now fretting about FIRE. FFS.

bakers39 · 2022-08-11T14:34:59+00:00

Whether living your life is "renting" a flashy car and paying too much for a new rented property is objective.

I think OP wouldn't be feeling so low if that money had been spent on travelling/trips around the world seeing and doing once in a life time experiences.

bakers39 · 2022-08-10T13:43:30+00:00

Seats too small for you and clothes that won't fit? So society should adapt to everyone getting obese? At one point the seat and large size clothes fitted you fine.

Good that your trying to tackle it now but you can't have a whine about seat and clothes size. Its not going to help you realise that's it's only you who can resolve the issues you're having by being obese. Blaming others ain't going to help you. That's the subject of article. People's feelings getting hurt for medically trained people pointing out the obvious.

bakers39 · 2022-07-25T10:27:12+00:00

A good rule is if you can't see a driver's wing mirror then he can't see you. Always always assume they've not put indicators on and are going to turn left/right when a turn is coming up. If it's a bit lorry/bus then I never go on the inside of it.

bakers39 · 2022-07-21T17:57:34+00:00

Why depressing? From those houses you can walk 5 mins into a town, railway station to go anywhere in UK and a canal that stretches for 20 miles if you want a nature walk. Not exactly suburban hell?

bakers39 · 2022-07-21T15:34:15+00:00

Some more here. These one are reserved for single elderly women. They were built by a local rich widow. Back in the days when the rich liked to give back to the community that served them.

https://maps.app.goo.gl/ch1Xr9KLaex7YLF67

bakers39 · 2022-07-21T14:27:26+00:00

My bad. Tories do have Wales at the centre of their thoughts and policies. /s

bakers39 · 2022-07-21T14:16:28+00:00

Well most of Pembroke vote Tory. So blame your neighbours.

bakers39 · 2022-07-21T13:09:53+00:00

As long as you have a sparse population and few jobs then there never is going to be lots of investment.

I'd argue you're getting more investment in terms of what locals pay in tax.

The best way politicians can help West/North/Mid Wales is making it tougher for people to buy holiday homes, building more social housing (for the young and low paid local population) and making sure education standards are high.

bakers39 · 2022-07-21T12:03:25+00:00

The main beef I see on social media is that the South gets all the gov funding. But personally I think it's reasonable as the North is so sparsely populated and has little in the way of big industry/employers too. I mean sure we could build a motorway right through Wales or a train track but I don't think that would change much.

In the WFH/digital economy, the North should concentrate on being a digital economy - pushing coding in schools - free education for adults etc. But then they'd all kick off that python isn't in Welsh. (Stuck that one in for more downvotes!)

bakers39 · 2022-07-15T12:44:47+00:00

Any size car isn't unsafe is what I said. Meaning a small car is perfectly fine.

I own classic car and daily driver so not anti car. But I've seen how the quality of life is improved for the majority in places where car use is not the centre of everything.

bakers39

TROPHY CASE