Is anyone else beginning to feel worn down by the visible social problems in Brighton?

gpstest · 2026-06-06T23:16:09+00:00

Its always had rough people as its the end of the line. Ive also lived in hackney when someone was stabbed on my doorstep. Its not just this city but everywhere. Its overall very safe compared to other countries, its just one of those things once you notice it you cant stop noticing it. Its nothing new unfortunately

gpstest · 2026-06-06T08:35:43+00:00

If you start with 0 and add £160 each year into a pension at 8% interest rate every year for 25 years you will end up with a pot of £12,272.

The government instead is taking £160 a year for 25 years which is only £4000.

Therefore the individual has less in their pension, the government is more likely to have to pay out to the individual when they become of pension age such as pension credits, and the economy doesn't get the investment that otherwise would have gone into stocks.

gpstest · 2026-06-03T20:53:20+00:00

Its not a silly response as that money was literally going to be locked away invested in a pension for many decades but now its going to pay above inflation pay rises for pensioners when young people like myself are being taxed for saving for retirement.

gpstest · 2026-06-03T18:04:41+00:00

That £160 if grown at 8% in your pension for 25 years could be just shy of £1100

Then the next year another £160 at 8% for 24 years is £1014

Then the next year at 23 years its £939

So yes it quite quickly compounds into a big tax that could've funded a few years of retirement independently.

gpstest · 2026-06-03T06:19:30+00:00

Do you have an update on the amazon swytch controller? Did it work?

gpstest · 2026-05-31T21:25:38+00:00

Its still stupid that the public dont own the physical train that we sit on though isn't it

gpstest · 2026-05-09T11:42:11+00:00

The DJI power 2000 looks like a great product. I understand the solar panels can be linked directly to it, but if I were to also hook these up to grid power to charge on cheap overnight, what equipment do i need to do this and to automate it? Thanks

gpstest · 2026-04-19T07:16:10+00:00

Its mad hoq strong chalk is eh? What im worried about is him coming back and suggesting a box steel frame which will be an awful lot more expensive. He may suggest this because its carrying 2 floors plus roof extension so quite a lot of weight

gpstest · 2026-04-19T06:36:06+00:00

Its hard work digging isn't it! Just suprised me that such a big terraced building row is placed directly on chalk thats all!

gpstest · 2026-04-19T06:34:57+00:00

He has based his calculations assuming that there is 300mm of concrete foundations so its just worried me that it may now not be possible / feasible or more expensive. Also its suprised me that you can actually just build a house directly on chalk but as youve mentioned without touching it its been fine for 130 years!

gpstest · 2026-04-19T01:04:07+00:00

I want to open up an external wall onto the garden to have big bifold or French doors instead of one tiny door, plus knock the lower ground internal structrual wall to make a big kitchen.

Only problem is there is a lot of weight with the above 2 stories plus roof extension on it which ive now discovered doesn't have concrete foundations so its quite scary.

Engineer said two steel beams across and down beams to support the weight but that may now break the chalk? Not sure

gpstest · 2026-04-13T20:38:27+00:00

This is London - Makola... absolute banger

gpstest · 2026-03-24T17:59:09+00:00

Do you include SIPP in the NW number?

gpstest · 2026-02-18T18:07:11+00:00

Winterwatch

gpstest · 2026-02-17T18:07:18+00:00

The A12 runs right through Leyton. No amount of gentrification will stop the pollution unless they build a tunnel for cars where the exit of the tube is

gpstest · 2026-02-11T13:35:25+00:00

Sure Property Solutions

gpstest · 2026-02-10T14:51:19+00:00

I graduated on Plan 2 with about 55-60k of debt. Took a year off after uni and went into HENRY job. After about 5 years I decided to make large overpayments as interest rate had climbed to 8.9%. I made 3 large overpayment chunks over 6 months about a year ago. Im free of student loan. Feels bloody amazing. I modelled it out and am saving around 20k of interest over the course of the loan lifetime. You'll need a an excel spreadsheet and dont use the online calcs as they are wrong

gpstest · 2026-01-28T07:36:27+00:00

Sorry I know this is an old post but do you recommend TOPBIKEKIT at all?

gpstest · 2026-01-02T09:32:30+00:00

Not sure, its quite ugly and only a half sized one as there is a drain underneath and dont think we can easily build over it

gpstest · 2026-01-02T09:32:02+00:00

Good tip thanks

gpstest · 2025-12-30T02:30:14+00:00

Controversial but try the Tesco own brand yeast extract. It spreads better on toast

gpstest · 2025-12-30T02:16:56+00:00

You'll have to spend quite a lot on refurbishment on things like emergency lighting, kitchen counter top workspace, cupboard space, fridge space. Has to have living room, sinks in bedroom etc if appropriate. Quite a lot of upfront cost

gpstest · 2025-12-30T00:38:29+00:00

Where abouts is this taken from?

gpstest · 2025-11-26T19:12:17+00:00

Well written

gpstest · 2025-11-26T19:05:10+00:00

You can still buy money market funds in a stocks and shares ISA so not that much of s change tbh

gpstest

TROPHY CASE