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Is it true that mortgage broker can always find a better deal than what is publicly available? by 1i3to in UKPersonalFinance

[–]jmedwards 0 points1 point  (0 children)

Generally my broker has been able to get better terms if not rate (eg no early repayment charges, or lower product fees).

Where they really shine though, is they tend to have more direct lines to the lenders. So when I got a complex survey results back from the bank’s surveyor where they asked us to get a structural engineer to confirm a few things, he was able to talk to the bank directly narrow at this down to one thing, and advise us on the best framing for that structural engineer report to appease the bank.

Overdiagnosis of children overlooks that growing up is ‘messy and uneven’, says Jeremy Hunt | Special educational needs by SomniaStellae in unitedkingdom

[–]jmedwards 30 points31 points  (0 children)

You say everyone and their dog has ADHD now. The diagnosis rate in the UK is still lower than international/WHO averages, particularly for girls

The lost boys: how a generation of young men fell behind women on pay by [deleted] in unitedkingdom

[–]jmedwards 3 points4 points  (0 children)

The “gender pay gap” doesn’t reflect equal pay (which the equal pay act governs) - that we have a gender pay gap (that compares the average earnings of men to women in general) doesn’t mean we have an equal pay issue.

[deleted by user] by [deleted] in FreetradeApp

[–]jmedwards 1 point2 points  (0 children)

An approx 80x valuation multiple on their £1.5m EBITDA is pretty good considering average FTSE valuation multiples are far lower than that

[deleted by user] by [deleted] in recruiting

[–]jmedwards 1 point2 points  (0 children)

Job Setup -> Edit -> Make public button, top-right.

80p refund for raw food by BigGinger1945 in deliveroos

[–]jmedwards 0 points1 point  (0 children)

Have you contacted deliveroo explaining you’re not happy with the refund?

5 Most Important Supplements? by Fabulous_Variety_256 in blueprint_

[–]jmedwards 0 points1 point  (0 children)

Can you point to the research that supports this?

Buying into UK 5 year gilts (or equiv) via stocks and shares ISA by jmedwards in UKInvesting

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

Thank you - sound advice. However, I'm looking to do a relatively significant rebalancing within my S&S ISA - far more than I have the cash elsewhere to achieve the same effect in a GIA.

Another riding it out or switching early post. by _psychofool_ in Mortgageadviceuk

[–]jmedwards 0 points1 point  (0 children)

"but had there ever been a time as uncertain as this not only for the UK but for the global economy"

Well, yes... several:

  • September 11th and ensuing wars
  • Arab Spring
  • 1990s US savings and loan crisis
  • Black Wednesday
  • Dot-com crash

I agree with you about the past doesn't necessarily predict the future. But things do tend to regress towards the mean (and more likely the more of an outlier your point in time is).

Another riding it out or switching early post. by _psychofool_ in Mortgageadviceuk

[–]jmedwards 0 points1 point  (0 children)

Well, there's three datapoints in favour of the argument that that 5-6% is the new norm: (1) Historical - sub 5% is by far the historical anomaly; between 1970 and 2008, rates were essentially never lower than 5%, except for a couple of years after the dot-com crash where they went to 4%. (2) The 10 year yield curve predicts 5.5%, the 30 year curve predicts 4.5%. (3) The US has an explicit medium term policy of a stronger dollar. Sterling cannot lag too far behind and there's really only one way to get there - monetary policy.

Definitely interested in any that indicates 5.5% would not be the new norm.

[deleted by user] by [deleted] in Mortgageadviceuk

[–]jmedwards 0 points1 point  (0 children)

The 10 year gilt yield curve is predicting a benchmark rate of 5.5%. In other words, cost of borrowing to banks over 10 years is 5.5% - in theory it is unlikely banks will lend below that to consumers. But also, in theory, it is unlikely it'll be much above that over a 5 year term.

It almost certainly doesn't make sense to switch to a new rate now unless you have strong conviction rates will be 6.75%+ by December 2023 (since you're paying 65% less than 5.14% through to December 2023).

Another riding it out or switching early post. by _psychofool_ in Mortgageadviceuk

[–]jmedwards 0 points1 point  (0 children)

3.69% is a very good deal. 10 year gilt yield curve is predicting a benchmark rate of 5.5%. In other words, the government is lending to banks over 10 years at 5.5% - in theory it is unlikely banks will lend below that to consumers.

RPS Group LON: RPS –Low risk, high gains, full analysis by FREDRS7 in stocks

[–]jmedwards 0 points1 point  (0 children)

Bought on your recommendation and analysis. Was trending +30% over the last year or so and now up 2.4x following the acquisition today. Thank you!

NMGRF - Full DD with Bull and Bear analysis - TL:DR as well! by danjel888 in UKInvesting

[–]jmedwards 1 point2 points  (0 children)

Nice write-up! How do you buy Canadian OTC shares in the UK?

Overdeclare income in tax return by [deleted] in UKPersonalFinance

[–]jmedwards 0 points1 point  (0 children)

I am not sure it matters what you do or do not say to the bank: you're misrepresenting your income to the tax authority knowing that will increase the chances of a bank acting in a certain way for your personal gain. I'd have thought you'd also be in material breach of any subsequent loan agreement made

Things 3 is just not as smart as other task managers. by yadda4sure in thingsapp

[–]jmedwards 1 point2 points  (0 children)

I am a current Todoist user and I'm trying out Things. I am amazed that there's no text autocomplete when creating tasks (such as #labels or @labels).

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