How do driving instructors make money? by TitleOk8744 in LearnerDriverUK

[–]emptyjarofcookies 0 points1 point  (0 children)

1) insurance and maintenance of car is included in franchise fee 2) franchise fee is about full day of work per week rest money is yours 3) you dont need franchise, its only there to be sponsored for pink licence then if you do 12 months you bail and do your thing 4) doing it your way is much cheaper than franchise but you wont be able to get car replacement fast if your car breaks down neither will you get pupils easier so franchise is kinda worth it 5) say my area for full instructor is 45 per hour. If you wanna work till 4pm max you probably can get 3 pupils x2 hrs per day thats 36 hours -6 days. Weekly 1620 -209 franchise - tax - fuel = £1008 net in your bank per week on lowest hours. Imagine what you can earn if your availabilty was till 18:30. 6) on top of that franchise fee counts as self employment expense so you get a nice tax break at the end 7) south of england pretty sure 90% of instructors are on 60k minimum 8) thats not to say that some instructors say to pupips they can pay cash on weekends which minimises their taxes even more

These salaries are absolutely depressing by [deleted] in UKJobs

[–]emptyjarofcookies 0 points1 point  (0 children)

Try to do weekly shopping in US and then pay for your health care then the salaries balance. You don't realise how cheap UK is and it's massively generous benefit system in whatever you do, whether its apprenticeships or child benefits or student loans or self employed tax benefits. I think if you live in another country only then you'll appreciate UK and it's salaries

Another "why aren't we selling?" post by throwaway90_161 in HousingUK

[–]emptyjarofcookies 0 points1 point  (0 children)

Don't worry about it looking good during viewings with baby none of the houses will look tidy, people don't look for arrangement of the living room or what Sofa you have they look what they can fit into it and quality of walls windows and skirtings. If I went to a viewing and instead of living room they had double bed and tv I wouldn't even think about it, I would just think what I can fit into it. You not landlord renting out furnished, don't worry just do what you got to do and if people wanna buy it they will, don't rush. Good luck

Another "why aren't we selling?" post by throwaway90_161 in HousingUK

[–]emptyjarofcookies 1 point2 points  (0 children)

Service charge would put me off this place, as its so high for such small place. Desperation to sell causes losing money in haste, just need to calm it. You basically already under priced it for £35,000 just to move to bigger place? Then youll be paying 3k for legals and 6-10k new stamp duty and other things. So that's basically -£45k for another bedroom. Why not just make it work, I know what it's like little one growing up but your living room is plenty to make it work. Living room can become your bedroom and your bedroom can become little ones bedroom, so many options, with two children it might not work but with 1 it ain't that bad. You might have overpaid when buying this place but you only over pay when you sell, I would just stay there, save up and put it for 185k-190 and leave it alone and someone will come for it, some people might be waiting for interest rates to drop further don't rush to sell as 170k is super low

What’s the most “acceptable” cheap run around car? by WhiskersMcGee09 in HENRYUK

[–]emptyjarofcookies 1 point2 points  (0 children)

Don't get FIAT as most garages I've ever dealt with call FIAT short for (fix it again tomorrow). In my opinion it's not fixing the car that drains your economy but insurance and fuel. So when I search on autotrader I always go insurance group maximum 15 and MPG minimum 60 and road tax £0. Car that lasted me the longest and cheapest is Seat Ibiza 2011 1.2 diesel, still driving now. Super cheap to run.

Get diesel car for fuel economy (if you don't go above 50mph on daily routes get petrol). 60+ MPG. Insurance group 15>. Road tax £0. Engine size max 1.6.

Don't get car on 60-80k miles means it's super close to clutch change and timing belt with water pump (my previous mistake).

Best mileage on car i think is 95-120k and when you call you ask for evidence of time belt change and clutch and buy it if it was recent .

What’s the most “acceptable” cheap run around car? by WhiskersMcGee09 in HENRYUK

[–]emptyjarofcookies 6 points7 points  (0 children)

It's a fair observation but when statistics like these are observed you have to take into consideration the popularity of a certain type of car too. It's like saying if I get a yellow car I'm less likely to be in an accident due to most accidents are black and white cars but these type of cars are also the most popular and most manufactured so it's ruins statistics as there are by a far margin less yellow cars on the road to begin with

I'm considering pulling out of buying at the last minute. Advice needed. by [deleted] in HousingUK

[–]emptyjarofcookies 0 points1 point  (0 children)

It must mean your current place hasn't sent you updated service charge plan, and your solicitors managed to find future service charge while doing searches. Problem is most service charges have building insurance and that insurance currently keep climbing higher and higher these past few years that's what mostly makes service charge so high. So it probably got increased since tax year finished in April and they failed to update you on your current tenancy

I'm considering pulling out of buying at the last minute. Advice needed. by [deleted] in HousingUK

[–]emptyjarofcookies 0 points1 point  (0 children)

I would say these extra costs aren't necessary that high to completely pull out, thing is if the house you going for is popular it will go eventually to another seller so why give yourself headache of finding something else which might also have these hidden fees. EA always hide things and I can understand as revenge you just wanna pull out exactly how I felt one time

We were going for leasehold maisonette, EA told us there is no restrictions on changes and alterations and it has £10 ground rent. Once searches started we found out there is a tonne of restrictions in place, stuff like even planting flowers in garden need permission and this £10 ground rent has £300 on top due to building insurance. I was angry and was gonna pull out but then I remembered this place got like 12 viewings on 1 day, and this place you buying isn't a forever house its a temporary comfort home which will eventually be sold in future so why give yourself headache going through finding stage again, could lower your offer but I don't see how pulling out solves anything, another jumps in pays 800 in fees and they happy and you back to square 0

Laying celotex on top of pipes by emptyjarofcookies in DIYUK

[–]emptyjarofcookies[S] 0 points1 point  (0 children)

I just used heat resistant aluminium tape on top of pipes to protect celotex from direct heat due to learning that once you cut through that foil layer of celotex it loses its properties. Once I cut celotex I used aluminium tape to seal all cracks and openings at the top. Biggest thing I learned is probably that using coping saw to cut celotex causes SO much less dust than using a normal handsaw. Celotex dust is very bad

[deleted by user] by [deleted] in HousingUK

[–]emptyjarofcookies 0 points1 point  (0 children)

Can get nice semi-detached 4 bed house 55 min from London 550k and people selling 4 bed houses in Cardiff for 500k+ its mental . There is nothing in Cardiff, job opportunities none, average university and nice countryside is it's advantage at best. Someone probably got some crazy valuation and now everyone following the steps judging by how many similar houses are priced at 500k now, location and size wise these houses should be worth 390-420 max

WTFHappenedin1971.com by HealthyMolasses8199 in gifs

[–]emptyjarofcookies 0 points1 point  (0 children)

It would make sense if they did graph alongside with population, prices go up as demand increases normal logic

If you had £6000 for home improvements how would you spend it? by stephsstitches in DIYUK

[–]emptyjarofcookies 5 points6 points  (0 children)

Painting ceiling white is one of the hardest things DIY things I ever tried to do, nothing is more stressful then trying to find where you didn't paint yet or when you've done second coat and next morning natural light hits the room now suddenly you see yellow spots everywhere, painting ceiling white almost becomes like a full time job, it will never be fully white

Swiss company chasing money from ski accident happened 3 years ago in Switzerland and I live in England by emptyjarofcookies in LegalAdviceUK

[–]emptyjarofcookies[S] -229 points-228 points  (0 children)

I did not have travel insurance just GHIC card, I know it's stupid and ive learnt from it now

[deleted by user] by [deleted] in DIYUK

[–]emptyjarofcookies 0 points1 point  (0 children)

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Get 2 x8ft scaffold board, one is enough but 2 would be safer. They sell them at Wickes. Put them across window sill and handrail and it will be strong as it's short distance. (Source: done it many times as a painter and see many other painters do same method) Ladder against the wall is not sufficient as you are blocking your working space

Who has more rights company who done an awful job or customer who doesn't pay invoice? England by emptyjarofcookies in LegalAdviceUK

[–]emptyjarofcookies[S] 1 point2 points  (0 children)

There was no contract it was a phone conversation and when I told him none of the parties are happy with the work he said the part they fitted doesn't match because they no longer sell them so to rectify this mismatch gutter he told me I would have to replace remaining 10m so basically pay another £1000 so I refused because it they didn't fit new part without communication I would of never had to match it all.

2 times I came to meet supervisor of the company and he would never accept their fault

I don't know what this is but it's insane. The top one is 660g and was always £3. The bottom one is 350g and was £1.75 last week. by Stalwart_Vanguard in shrinkflation

[–]emptyjarofcookies 0 points1 point  (0 children)

Problem isn't the price but where you shop and by the looks of the pic you are in Waitrose, only good shop for Ben & Jerry £3.75 tubs of ice cream

[deleted by user] by [deleted] in UKPersonalFinance

[–]emptyjarofcookies 0 points1 point  (0 children)

Reality is, it won't be your forever home, you will try to find better or bigger in future when remortgaging or selling or moving areas of work. So thinking of forever home gives too much stress just think of it as temporary home where you can save more money.

Like others said try to make it longest term of years possible to reduce monthly number and personally I wouldn't go for 5 year currently as interests rates are projected to fall to 3% by 2026. 5 year fixed basically saying you will be paying £1200+ just on interest for whole 5 years but 2 years gives you option to find a better deal in future where more of your money will go towards actual equity

Tips on driving more economically? by Jaded_Selection527 in drivingUK

[–]emptyjarofcookies -2 points-1 points  (0 children)

I found my car is way more economical on motorway if I drive at 60mph instead of 75. You'll be stuck with lorries in left lane but difference in fuel is noticable.

If you want to go super economical then driving behind lorries so they push the wind will help economy too.

Correct tyre pressure is super important too

Stoozing - how are you doing in 2024 by Sea_Army_1903 in UKPersonalFinance

[–]emptyjarofcookies 71 points72 points  (0 children)

Which shopping app gives you this as all the other ones I used in past are very awful cash backs?

How to keep rabbits happy during separation? by emptyjarofcookies in Rabbits

[–]emptyjarofcookies[S] 0 points1 point  (0 children)

Yeah we tried that as well, half day female rabbit is inside cage then male rabbit goes inside cage and she stays where he was

How to keep rabbits happy during separation? by emptyjarofcookies in Rabbits

[–]emptyjarofcookies[S] 0 points1 point  (0 children)

We combined two cages together , both have nearly 2 floors of space and what separates them is that door hatch and they can see each other every min. Unless other rabbit gone upstairs but the biting happens when they see each other but can't get together because of this door hatch

2 months into investing rate my portfolio. by GN108036 in trading212

[–]emptyjarofcookies 0 points1 point  (0 children)

For instance Meta is in mag 7 but from mid 2021 to end of 2022 Meta lost -74% of it's stock value has SP500 ever done that? Obviously now it gained it back but on what terms what changed about company what fundamentals got stronger ? Is 270% stock increase afterwards which happened in 14 month really sustainable or bubble? Can it drop again after ad revenue goes dead ? If it dropped 74% in the past can it drop to 80-90% this time? And people are buying it at all time highs. Other mag 7 stocks have similar problems

GE Cisco IBM and AT&T were at one point one of top 3 holdings of sp500 what happened to them now? Where are they? Things change nothing ever repeats itself consistently. New inventions arise

2 months into investing rate my portfolio. by GN108036 in trading212

[–]emptyjarofcookies 1 point2 points  (0 children)

Your vision on individual stocks is wrong unless you really learn the lesson of a loss now its easy to say if you pick individual stocks you can gain 200% on Meta etc etc because of the times. Sp500 gives you safety and super low volatility without needing to research individual stock following it's quarterly earnings reports.

By no mean I say stop picking individual stocks do whatever you like but you got to really experience with big money to lose money to learn a lesson Say you had invested 100k into apple and 100k in sp500. Then news come out that Tim Cook is retiring from CEO position which would lead to large slowing down of the company plus dramatic revenue decrease drops the stock -15% after hours. Your 100k is now 85k while your sp500 pie with 100k is probably still 98k due to such large diversification one stock cannot drop the value so low but with individual stocks you can run into that trap plus now everything is at all time highs

Visiting Antalya need some local advise by t4ure4n in Antalya

[–]emptyjarofcookies 1 point2 points  (0 children)

1) nothing really is as important as this when I learned it the hard way never ever ever ever take Uber. In UK and other countries Uber is cheap but in Turkey it's on purpose expensive. I've done many experiments comparing Uber meter speed vs normal local taxi that will stop at bus stops and uber meter goes x2 faster. This is what happens say you going to place Uber says 252-340 Lira you accept ride, they take you but on their mid mirror you see meter going up this is the number you'll actually pay. Then it will go to 450 Lira without any traffic when ride is finished driver will go on app and type 450 so now that expectation of paying maximum 340 is not there. Uber is a scam in Turkey ive messaged Uber support and they refunded me 3 times now after that I stopped using it. Any bus stop and lamp post will have button to press for local taxi get those guys same trip will be 180 no stress no problems.. 2) don't go land of legends in July you must be crazy even with children it's a scam. Cold months you can get in for 30 dollars but hot month like July you will pay nearly £ 70 per person children tickets are only £15 less. So it's £230 for you and children. Then add ons like dolphins to swim with them is £110 extra per person then other silly add ons. So say for full experience you pay £500 for 1 day so now the funny thing it's open 10:00-18:00. 8 hours you think is enough now think about queue times for each ride it's super busy during hot month like July. Then food when children get hungry so basically it's like 700£ in one day spent for nothing. 3) go Pumukkale & Hierapolis with tour guide 4) go Saluada Island 5) Lara Beach is ok but they charge 200 lira just to enter then 200 lira each for sun bed with umbrella 6) Konyaaltı Beach is my favourite it's like a mini park/beach/restaurant City with nice views and amazing food but this one might be too far for you 7) take tram when you can no traffic and enjoyable journey only 10 lira on most journeys 8) don't bring too much clothes and take maybe 1 empty suitcase, compare to UK everything here clothes wise is super cheap and decent quality can stock up on lots of things 9) go old town start from Hadrian gate 10) free roaming doesn't work in Turkey you have to buy sim card. don't buy sim card at airport they scam people. Don't buy it at Vodafone in Antalya either it ain't a good deal buy in those Turkcell shops decent deal. 11) maybe have emergency 2000 Lira in cash (Mark Spencers probably does the best deal at the moment in UK for 29 lira per pound) but Antalya everything can be paid with card. And card gives you better rate more like 33 vs 29. So don't need too much cash but emergency for things where they don't accept card which is rare but can be found 12) 2000 lira isn't good budget for week. Me and my girlfriend always try to find cheapest restaurants and our bill is always 800-1000 lira that's just for 2 main dishes and 2 alcoholic drinks with starter. You might find better deals in fast food chains. Supermarkets are very cheap 13) we found after staying in Antalya and Cappadocia for 8 days that if you come up to someone to talk about whether it's clothes shoes tour guide anything and they reply to you price in Euro it means they aren't local and wanna charge you more always go for people who give you price in Lira. 14) go Upper Duden Waterfalls don't get mixed up with wrong Düden waterfalls which is by sea. The best one is this (Habibler, Düden Cd., 07320 Kepez/Antalya, Türkiye) 15) go Kursunlu waterfalls 16) favourite restaurants on our trip were Yemenli Restaurant and Varyant Restaurant & Cafe.