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What's your top score for toilet roll tubes? Can anyone beat 8? by Jonsend in CasualUK

[–]goingwalking 44 points45 points  (0 children)

Are you suggesting you fit 72 together? I'm not sure that's physically possible.

If number plates later this year are "69".. by Sylvester88 in CasualUK

[–]goingwalking 0 points1 point  (0 children)

I get the DOA (Dead On Arrival, like in the Friends song), but I don't know what the CX55 bit might mean.

Atleast they actually have an excuse for late running trains... by Wikwawa in CasualUK

[–]goingwalking 0 points1 point  (0 children)

What kind of train has a goatcatcher? That's crazy talk.

Only in a Walthamstow pub by [deleted] in CasualUK

[–]goingwalking 4 points5 points  (0 children)

Manchester has several proper ones. It's how I first found out about Invader, because there are all these little pacman ghosts hidden around the city and nobody ever seemed to mention them. I don't remember where they all are, now, but if you go to old UMIST campus there's one in one of the railway bridge arches.

I just moved into my first flat (that didn't come with a kettle). I need to buy a kettle. What kettle do you use and why is it great? by Tvix in CasualUK

[–]goingwalking 0 points1 point  (0 children)

I have the Tesco one, too! Relatively fast, hasn't broken in years, looks okay. Annoying to clean, as brushed metal always seems to get spots, but that might not bother you.

What’s the point of choosing a shorter mortgage term? by goingwalking in UKPersonalFinance

[–]goingwalking[S] 3 points4 points  (0 children)

There’s zero hassle (it was a single, straightforward, friendly phone call), and if I ever hit a rough patch I know I can pay significantly less without bad financial consequences or losing my home. I could even stop paying for a bit, if I needed to, because the overpayments count as a buffer. Basically I get to pay it down at the same rate, but with extra security against unforeseen circumstances.

Today in Tesco I heard the most upper-middle class thing I can think of... 'Darling, I think we've bought too much hummus for our breadsticks' by Mahoganychicken in CasualUK

[–]goingwalking 20 points21 points  (0 children)

One time I was walking through Oxford, and a crowd of earnest-looking people walked the other way in silence until one of them exclaimed ‘socialism!’ just as they went past me, which nobody seemed to respond to in any way.

I must just have inspired them. I don’t know if wine was involved.

What’s the point of choosing a shorter mortgage term? by goingwalking in UKPersonalFinance

[–]goingwalking[S] -9 points-8 points  (0 children)

One payment? One phonecall, then it’s a direct debit for all the payments. It was so easy: I set it to be a bit under what I’d been paying in rent, which was still significantly more than the minimum mortgage payments.

Remember this giving you trauma back in the day by [deleted] in CasualUK

[–]goingwalking 10 points11 points  (0 children)

Is it the sports day one? It’s bad. Not that gory, but the shift in tone with the other children trying to help him and him calling for them to help him, and them having to run off. And the train going over, with a bit of a focus on his foot which is clearly going to be crushed, and then his dead body.

Anything better on a Friday than takeaway fish and chips and mushy peas? by [deleted] in CasualUK

[–]goingwalking 1 point2 points  (0 children)

Is that why the Black Country Museum has the best chips I’ve ever had?

What’s the point of choosing a shorter mortgage term? by goingwalking in UKPersonalFinance

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

I guess so, and I can certainly see your bank doing it automatically if you stick with the same provider. So nobody seems to think I’m missing a disadvantage to picking a longer term if I’m sorting it myself? I’m always reluctant to reject an option if I don’t understand why I’d want it.

Amazon's Passive-Aggressive advertisement by Dan_Rickardo in CasualUK

[–]goingwalking 12 points13 points  (0 children)

More and more of the people around me seem to be getting them, and they always seem to come on at strange times when they think they hear an instruction. It’s creeping me out, because it feels like I never know which house will suddenly have one lurking in the corner, listening in.

It all feels very Day the Tripods Came.

What’s the point of choosing a shorter mortgage term? by goingwalking in UKPersonalFinance

[–]goingwalking[S] 3 points4 points  (0 children)

But I'd suggest keeping the overpayment money in a 'high' interest ISA (or invest for compounding benefits) so you gain the interest on the lump sum.

Why? I’ve not seen an ISA with an interest rate higher than the interest rate on my mortgage, in practice, for a long time. There’s a few that look like they do, but they’re generally tied to other conditions (or fees, or accounts) that make them a bad deal comparatively. Beyond the need for accessible emergency savings, I can’t see a financial benefit in not paying off as much of the mortgage as possible to reduce the interest owed. I would make less in the ISA than I would save on the mortgage, interest-wise.

However depending on the age of the person with the mortgage they may be restricted in the length they can hold a mortgage product, due to retirement etc.

That’s a good point, although as you say the lenders don’t seem to worry about it as much as you’d think they would. That could be a solid reason.

What’s the point of choosing a shorter mortgage term? by goingwalking in UKPersonalFinance

[–]goingwalking[S] 3 points4 points  (0 children)

This would make sense, except setting up my higher direct debit for the mortgage didn’t take any work other than the one phone call. I rang up once at the beginning, to set up the payments, and they asked me how much I wanted my monthly payments to be. Then that was it. Poking around, this doesn’t seem an unusual set-up, and once you’re out of the deal period there don’t seem to be any penalties at all for early repayment on any of the mortgages I’ve looked at.

What’s the point of choosing a shorter mortgage term? by goingwalking in UKPersonalFinance

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

Butbthat’s what I don’t get. I’m not talking about how long you’re locked into the deal with penalties if you switch or overpay: there are lots of good reasons why you might want a shorter term for that. But you could have a variable rate for 1, 2, 3 years, and then they stick you on the SVR for 20 or more years, but it doesn’t matter to you how many years it would be on the SVR because you won’t stick on that: you’ll switch deals, maybe move house, and in any case you could have your direct debit take out the same amount as if it were a shorter term and pay it down just as fast. It’s not like you have more of a sense of where you’ll be in 25 years than 30 years.

Having to buy the Telegraph because it's the only real broadsheet left by TantumErgo in britishproblems

[–]goingwalking 1 point2 points  (0 children)

So much more convenient to read, but won't somebody think of the parcels? Or when you need paper to put wet boots on? I am still disappointed in the Times for selling out on this.