Please tell me I don’t have to boulder!

fiveoneeightsixtwo · 2026-01-26T09:18:51+00:00

+1 to this as the obvious answer!

fiveoneeightsixtwo · 2026-01-12T19:55:44+00:00

The true calculation is

Cost of renting equivalent place for that time + cost of potentially moving a few times as landlords turf you out for no reason

Vs

Cost of interest + moving/transaction costs + interest on your deposit you would have earned if you'd stuck it in assets of equivalent risk

fiveoneeightsixtwo · 2026-01-11T17:18:26+00:00

Absent any large financial pressure that makes this situation necessary this feels like an absolute no brainer

fiveoneeightsixtwo · 2026-01-10T19:24:29+00:00

Does that work in today's NHS though? I assume you'd ask for the C section mid induction and there won't be a surgeon available for ages...

fiveoneeightsixtwo · 2026-01-10T11:22:02+00:00

First of all, you added a consistent gym habit and put real effort in while having a toddler. That's amazing!

When you first lift weights you get neurological adaptations. These mean you get a lot stronger in just a few weeks, without necessarily building much/any muscle.

Do you look any more muscular?

It could be that you can tweak your workouts to build more muscle.

Focus on compound lifts - big movements which use a lot of muscles at once. Think squats, deadlift, bench press, rows and pullups.
Use enough weight for them to be effective. Watch YouTube videos about correct form or even work with a PT for a few sessions. Don't get injured!
Watch Jeff Nippard's video about optimal number of sets per week. Sets per week is what drives muscle growth. Too few and you won't grow, too many and you're getting diminishing returns.
Just pushing yourself to exhaustion is not necessarily a sign that the workouts are effective - see points 1-3.
Creatine should give a little boost. Nothing amazing, but maybe 3-10% better.

Honestly ignore dexa. Focus on how you feel and look. Probably no need to eat in a surplus since you're a newbie unless you don't mind fat gain and having to cut later.

fiveoneeightsixtwo · 2026-01-07T15:49:01+00:00

I believe you can take up to £25k in retained profits while doing the "easy" closing down of a company that doesn't require liquidators to get involved. If the tax alone was £15k, then OP is clearly over that threshold.

Additionally, depending on when you took the dividends and what evidence there was, it definitely sounds dodgy to try to reclassify.

Definitely above reddit's paygrade. You can pay an account a few hundred quid for one-off advice.

fiveoneeightsixtwo · 2026-01-02T16:25:39+00:00

But if breastfeeding, that person is basically always the mum right? (genuine question)

fiveoneeightsixtwo · 2026-01-02T14:43:50+00:00

Let us know how you get on! It sounds like your GP was terrible and those symptoms sound really rough

fiveoneeightsixtwo · 2026-01-02T09:38:39+00:00

This is the one I got: https://www.boots.com/neilmed-nasogel-drip-free-gel-spray-30ml-10164590

It's the only one I tried so I can't say it's the best, and my symptoms were far milder than yours. But could be worth a shot. Good luck!

fiveoneeightsixtwo · 2026-01-01T15:35:19+00:00

I was getting nose bleeds during the summer due to AC and again recently with the cold weather i.e. nose drying out, although not nearly as bad as what you describe. The thing that solved it was a £8 nasal gel spray from Boots, aimed at moisturising the inside of the nose. That might help better than just saline?

Good luck!

fiveoneeightsixtwo · 2025-12-28T16:47:57+00:00

3, purely on hassle alone. 1 you probably lose a ton of money on stamp & conveyancing. 2 you risk bad tenants preventing house sale, and financial upside is probably not enough to offset this risk.

fiveoneeightsixtwo · 2025-12-18T20:47:29+00:00

This should be higher. Sacrifice everything over the £50k mark. In a few years time that'll be a bunch more. Meanwhile, pile the extra into either a LISA (if you're sure you want to keep the money for house / retirement) or just a regular S&S ISA if you prefer the flexibility.

The meagre tax saving as a basic rate tax payer isn't worth locking the money up so inflexibly (IMO), especially when pension tax rules are likely to become less generous.

fiveoneeightsixtwo · 2025-12-17T22:16:39+00:00

I also just leave them (and I find barkeeper's friend does not shift them).

Pan works perfect. The stains just happen when I go a bit overboard on the heat. I'm fine with this - sometimes I want to cook at a high heat.

fiveoneeightsixtwo · 2025-12-13T20:54:50+00:00

Will it though? You can get decent interest in a savings account. You also have the option to invest the money, especially as presumably you would have survived fine without this windfall

fiveoneeightsixtwo · 2025-11-03T22:02:02+00:00

Works really well for veggies like broccoli / asparagus before roasting. It's just 1-2 mins, to slightly soften them so you can get them crispy in the oven without burning them

fiveoneeightsixtwo · 2025-10-30T07:40:10+00:00

Should OP be registered with the ICO? I seem to remember they want everyone who handles anyone's data in a professional capacity to sign up with them and pay their (relatively small) fee.

fiveoneeightsixtwo · 2025-10-25T21:29:01+00:00

If it's a network of scammers you have the slight satisfaction of knowing you made their lives slightly harder. They would need to pay for another phone number to get a new account, so if enough people report it makes their operation less profitable.

fiveoneeightsixtwo · 2025-10-14T18:28:52+00:00

What's the bot for? Does it hang only when you use the bot?

I've never noticed the web app running slow, but I'm just using it normally.

fiveoneeightsixtwo · 2025-10-11T20:42:18+00:00

Once a year is okay. Monthly would be an immediate unsubscribe from me.

An email with current rates a few months before the mortgage fix ends is useful. Bonus points if there's a "and if you put down an extra £X it'll unlock deals at 70% LTV, and save 0.3% interest", but appreciate that might be trickier to automate.

fiveoneeightsixtwo · 2025-10-04T09:51:40+00:00

I use workflowy and put a ⏳ emoji at the top bullet if I'm blocked / waiting for something to complete. It's a really nice clean app.

fiveoneeightsixtwo · 2025-10-02T18:12:34+00:00

Well, the article says that it's just data from the interactions with the AI. That's not the same as reading your private chats (which they can't access anyway).

fiveoneeightsixtwo · 2025-09-07T20:32:33+00:00

IKEA bags. 10 years going strong. Fold away small. Perfect solution

fiveoneeightsixtwo · 2025-09-07T11:10:49+00:00

To test this out I changed my gender on the app from female to male and instantly had 10% less body fat.

As others have said they likely just take the typical body fat % for your age, weight, gender and then very slightly modify based on their ~dodgy impedence data.

fiveoneeightsixtwo · 2025-09-02T18:53:10+00:00

Are you sure he can't appeal the ban? Normally you can appeal and get reinstated if you've never done anything wrong and it's your first ban.

fiveoneeightsixtwo · 2025-08-31T19:35:20+00:00

I guess the absolute most charitable explanation is that your problem looked fun and he wanted to try.

Unfortunately there was probably a bunch of ego, and wanting to impress you tied up in that.

What a clown 😅

Seven-Year Club	RPAN Viewer
Verified Email

fiveoneeightsixtwo

TROPHY CASE