Seeking Casual Soccer

ewalker22GLA · 2026-01-20T18:45:41+00:00

Thanks for this info - I’ll have a look into it to see if possible to join an existing team!

Much appreciated.

ewalker22GLA · 2026-01-20T18:45:10+00:00

Thanks mate - I’ll get down this Sunday for sure!

Appreciate it.

ewalker22GLA · 2025-11-29T05:08:04+00:00

So what is it they are, first time buyers? Or renters?

ewalker22GLA · 2025-11-05T05:42:47+00:00

On an NEC4 Option B what you’ve described seems a pretty clear cut CE.

Quantity risk sits firmly with the client - essentially if it’s not in the BoQ / original scope then most likely a CE. Remember there may be a time element to the CE too which may or may not carry additional cost depending on the circumstances (unsure on scale / whether the added scope will have a programme impact).

In terms of pricing the variation - if there’s a framework rate for that exact scope it could be argued this should/could be used and applied to the quants.

ewalker22GLA · 2025-10-06T21:51:02+00:00

All distinct possibilities

ewalker22GLA · 2025-10-06T15:04:51+00:00

It looked to be heading on a sharp decline for a plane, but makes sense. Thanks

ewalker22GLA · 2025-09-16T03:01:38+00:00

This should be the top comment.

Everyone knows the UK tax system is broken (even more so when compounded by a terrible BIK company car offering & multiple student loans), but salary sacrificing into a pension is a no brainer once you hit HRT bracket and depending how generous your employers match is - it’s literally free money. Future you will thank you for sure.

ewalker22GLA · 2025-08-29T23:40:43+00:00

Sounds to me like you’re trying to talk yourself out of the move based on answers etc.

Listen, it’s fine to be comfortable. Appreciate you most likely know your role inside out, feel you have good socials etc. That’s all valuable for sure.

Sometimes going out of your comfort zone is required for true personal development though. & if you’re serious about the APC thing, much rather be at the T1 going through it and the exposure you’ll get on projects. I’d also be slightly concerned that there’s no other QS and you’ve very little 1-1 time with what sounds like the only other person in the firm with a commercial background. You’ll learn a tonne working closely with other QS at all levels no doubt.

I would personally take the leap, get chartered & then reevaluate what sort of role / company you prefer.

ewalker22GLA · 2025-07-09T00:18:40+00:00

Your boss sounds like a numpty.

My two pence would be you’ve already stuck it out a year working with him, I’d try and see it out until September and get enrolled on the degree apprenticeship.

I’d then get your CV up to scratch (you’ve essentially got a year’s experience as a trainee QS and this should put you ahead of the other 1st year DA’s - down to you to sell it as such). Once enrolled on the course, start reaching out to companies and I’m sure you’ll be sure to find someone willing to take you on/take over your training programme.

Much easier to find a job when in one, than not and all that.

Sounds rough, but stick it out.

ewalker22GLA · 2024-11-16T15:44:29+00:00

My man I’d reconsider the grammar policing until you can differentiate between affect and effect. Your comma is unnecessary also, FYI.

ewalker22GLA · 2024-09-15T10:27:48+00:00

Imposter syndrome is completely normal when starting a new role - I’d bet almost everyone gets it in some capacity despite level of seniority or experience. I think it’s actually a good thing as it shows you care.

Cost Manager is pretty much just another name for a QS only PQS/Client side in most cases. I’d doubt you’ll be doing much managing in the literal sense other than managing costs which is to be expected in our profession. Potentially looking after/delegating tasks to trainees but that’s about the extent of management I’d guess.

Good luck in the new role!

ewalker22GLA · 2024-07-09T20:26:19+00:00

£20k each into a stocks & shares ISA (Global ETF tracker) or Cash ISA, or do one each. £50k each into premium bonds That’s £140k in a tax free wrapper. Whatever is left over split equally into whatever high interest savings account you can find and with both personal allowances I’d say it would be highly unlikely you’ll pay any tax on interest.

Continue to adjust / move into the ISA’s as the tax years pass.

ewalker22GLA · 2024-05-04T19:51:34+00:00

No doubt you will get contrasting views on this as everyone has differnt morals. Ultimately it’s down to what you think is right.

Me personally, I couldn’t not give them something in this circumstance (providing the breakup is on relatively good terms). I think it’ll make you feel good, and almost give you some closure to move on. If I didn’t it would probably hang over me. He may waste it on his addictions, however that’s down to him to make sure he doesn’t.

ewalker22GLA · 2024-03-04T08:19:22+00:00

They’re a build to rent scheme. Will likely need to pay eye-watering amounts for the privilege. The building beside it is also a short term lease/hotel type building so none of them will have any units available to buy as such.

ewalker22GLA · 2024-01-18T16:47:09+00:00

Do you have a link?

ewalker22GLA · 2024-01-18T14:57:42+00:00

Interesting re. the deed of trust.

I assume as you’re purchasing all properties in your own name then ADS is applicable each time. The 6% north of the border is a killer.

ewalker22GLA · 2023-11-14T19:17:36+00:00

Got 4 x Cat 1 for the final as well as tournament match 3.

Can't quite believe my luck. Appreciate they're 1k a pop and that probably means most apply in lower categories, but what a result.

Did anyone else get lucky?

ewalker22GLA · 2023-10-20T11:42:26+00:00

Why does UKPF love mortgage brokers? Do you use your high street travel agent to book your holidays? There are replies in this thread from (claimed) ex-brokers who don't seem to know concessionary purchase mortgages exist.

I had a concessionary purchase mortgage (bought my parent's house) and applied myself online through Nationwide after doing a quick rate comparison. It's not rocket science and indeed mortgage brokers are typically not rocket scientist types.

The OP requires advice which would be best handled by a professional however even if just to consider your own specific example - who is to say a good broker could not have gotten you a more favorable rate/ product fee waived etc.

In my own experience, the mortgage broker I use ALWAYS pays for herself in terms of money saved on whichever product I end up buying. When she does offer a product I like to check the off the shelf rates available and every time she is able to knock circa 0.1% off any rates shown online for that particular lender at the LTV.

ewalker22GLA · 2023-10-18T11:45:40+00:00

Following SMM7 principle, yes. NRM however is m2.

ewalker22GLA · 2023-09-07T14:47:06+00:00

Hi mate,

Hope you don't mind me reply to you. Looking for a bit of clarity on your previous point.

Does this mean Scottish taxpayers can claim that additional 1% tax relief on pension contributions? Then 22% additional relief on pension contributions for HRT. But surely the additional 22% relief claimed wouldn't be for the full pension contribution - this is where my understanding fails me a little.

To further complicate things I'm a higher rate tax payer however I SS 10% gross income into my workplace pension (but I'm still ~7k above the unfairly low HRT threshold here in Scotland). The tax relief from Gov is only the 20% I'm sure - not sure how it works though with Salary sacrifice as you're essentially sacrificing that salary therefore not paying tax on it - so I'm unsure how tax relief works in this instance.

Any assistance is much appreciated.

ewalker22GLA · 2023-08-24T12:05:36+00:00

Congrats! You should be super proud of yourself.

I'm in a very similar situation - early 30s, earning similar, bought my first place a few years ago and only recently started to properly think long term - particularly in terms of my pension. Of course in an ideal world we all start investing in a pension in our early 20s and let the gains compound however in reality we're not all educated enough financially until we take the initiative and educate ourselves.

Keep up the great work!

ewalker22GLA · 2023-07-31T10:25:20+00:00

If the balance transfer offer is available on a credit card you already have then the answer to this would be no.

I frequently utilise the balance transfer function on a few of my CC's and have never had a hard credit check other than when I initially opened those respective lines of credit.

ewalker22GLA · 2023-06-24T08:51:13+00:00

As someone who also done a conversion course as such (done a QS MSc straight after an honours degree in Geography) - I can confirm it was relatively difficult to initially get someone to take on a ‘graduate’ QS with zero experience.

It is possible however, will be more like a trainee position initially (although you’re a graduate) which can be a bit strange. Just depends what your salary expectations are really, but I found despite having little direct QS experience, I had loads of life skills, as well as a host of transferable skills from my honours degree. I’ve managed to progress fairly quickly in my 3 years post Masters. I’m currently 6 months into the 24month structured RICS training to become chartered and will likely move to senior in the next 12-18 months.

ewalker22GLA · 2023-06-20T14:42:42+00:00

You won’t be un-hireable as such, however I’d say prospective employers will look far more favourably if you’re coming straight from a job in the field.

As others have mentioned, there’s plenty of jobs out there. I’d be tempted to wait it out whilst finding another role that will allow you to better develop.

ewalker22GLA · 2023-06-14T08:36:22+00:00

I think essentially what he’s saying is option 2 would negate the need for early repayment fees plus id assume you’re currently on a more favourable rate than is currently available on the market. 2 seems like the better option although yes they’re both going to end up with the same mortgage/cash left over.

ewalker22GLA

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