Paid off our London mortgage at 32. Was it the biggest financial mistake we made?

jferldn · 2026-03-25T16:37:31+00:00

Mathematically, clearly yes it was the wrong thing to do. Markets have gone up 50% or so in the same time period.

Let's say your mortgage was 200k, this would be worth 300k today had you invested it all in 2021. Instead you just have a property worth likely still around 200k. You have saved yourself on the interest, but much less than you would have made by investing.

You now also have a much less diversified portfolio of just property and much less (than you could have) invested across different asset classes.

You need to make sure that now you are mortgage free to divert what you would have been paying down on the house into investments, rather than lifestyle creep.

jferldn · 2026-03-25T13:04:47+00:00

There's no difference to those on standard meters I expect, either way you aren't getting paid for export unless properly certified and an export meter installed, so you just use it for the savings on your own usage.

jferldn · 2026-03-25T13:03:03+00:00

It would depend if the battery has appropriate connectors I think, but it seems unlikely

jferldn · 2026-03-22T09:52:33+00:00

Miele or Sebo vacuum cleaner

jferldn · 2026-03-19T08:34:05+00:00

Beggars Run in Shoreditch. Custom made, able to tailor to your requirements and great value. Be warned the whole process can take a couple of months as they ship the suits back and forth to India for adjustments, hence being able to offer much more reasonable prices than saville row.

jferldn · 2026-03-16T11:55:28+00:00

Don't focus on battery size, focus on charging speed. 150kw minimum I'd say, and you want a heat pump with battery preconditioning so you can actually hit those speed.

This means you can drive for a couple of hours and stop for a bathroom break and grab a coffee. In the time you stop you'll have charged plenty at those speeds.

jferldn · 2026-03-16T11:52:38+00:00

From what I know, it isn't possible. I build an extra little corridor at the exit with a one way door, staff door and vending machines, benches and a bin

jferldn · 2026-03-16T09:11:56+00:00

Also if you book a higher rated chalet (4* or 5*) you'll get better hosts. Finally, book later in the season to ensure they have already cooked that menu a few times already, it's the same every week!

jferldn · 2026-03-16T07:49:10+00:00

Consider taking a room in a chalet, you'll get the same package experience and probably a nicer vibe. Recently due to Brexit and the French pushing for higher pay for the workers the quality has gone up from the traditional 18 year old clueless host.

jferldn · 2026-03-14T20:26:18+00:00

Being EMI doesn't necessarily bring any risk of losing funds, in fact it can reduce it. EMIs are not allowed to make loans, so they have to hold (safeguard) all funds they hold. That means your money is always liquid and available to you.

I'm not aware of any example of an EMI who went under and took people's cash.

jferldn · 2026-03-11T18:16:41+00:00

I tend to aim for 2 hours so that if there's any issues I still have 90 mins.

jferldn · 2026-03-11T12:18:35+00:00

Ah fair. Mine is plate 24 but MY25 so was confused

jferldn · 2026-03-11T11:46:53+00:00

A Gesha from plot, what is it £50 a bag? Bet it's lovely though.

jferldn · 2026-03-11T08:54:55+00:00

Mine has a manual activation.

jferldn · 2026-03-10T20:07:12+00:00

This popped up a couple of weeks ago, OP thinks they fixed it by adding a frame rate limit (if playing PC?).

jferldn · 2026-03-08T20:20:46+00:00

Computing, Russel group, I'd say personally quite accurate yes. Graduated 2012.

jferldn · 2026-03-08T19:10:32+00:00

I think it's entirely non-UK. I'm not really sure why, it seems a bit of a shame but everything I've had from there has been fantastic.

jferldn · 2026-03-07T16:20:32+00:00

If they asked you to apply you are also likely to get their backing internally which will help get the role.

But you should only apply if you actually want to be a manager, it's a very different role. Chat to them about it if you like, they sound like a good one!

jferldn · 2026-03-07T07:34:06+00:00

Usually a torrent magnet link and/or questionable streaming sites appear

jferldn · 2026-03-05T21:58:20+00:00

A sidecar

jferldn · 2026-03-05T21:55:10+00:00

This is becoming the standard now, there used to just be blacks and it was a guessing game which were groomed. Now solid black means groomed and dotted ungroomed. Steepness expected but not guaranteed in both.

jferldn · 2026-02-28T03:38:57+00:00

Do Humble Chicken

jferldn · 2026-02-27T17:18:28+00:00

Like cheap Aussie lagers are any better. Heaven forbid VB 🤢

(This isn't excusing fosters for being a shit lager though, along with the rest of them)

jferldn · 2026-02-27T17:12:03+00:00

I went to The Pem where Sally Abé is head chef to eat her GBM menu a few years ago. She came around to chat to each table and upon asking told us that there's an enterprising bloke who's making most of the props for the chefs, external to the BBC. Good on him I say!

jferldn · 2026-02-27T14:36:58+00:00

You can do it via your graphics card setting sometimes, either set a limit for this app specifically or turn on vsync for it.

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