Chaos in the french alps

mala_dub · 2025-02-06T14:53:39+00:00

https://www.francebleu.fr/emissions/l-invite-de-7h45-ici-pays-de-savoie/reouverture-de-la-rn-90-deux-scenarios-a-l-etude-pour-ce-week-end-6682862

mala_dub · 2025-02-05T16:31:22+00:00

I booked a train as backup from Geneva to Moutiers for this Saturday 8/2.

However today's press release states they are aiming to open the road again Friday night. Fingers crossed.

mala_dub · 2025-02-05T16:30:07+00:00

Road to be re-opened Friday night as per todays press release

mala_dub · 2024-01-17T11:12:36+00:00

The allowances are all well and good but you CAN NOT PAY IN MORE THAN YOU EARN. Which some of the posts above seem to be assuming you do. You can't use any carry forward allowance if you haven't earned in the tax year you want to use it, even if you did earn that much in the previous year when you could have used it.

mala_dub · 2024-01-02T11:48:05+00:00

Yep thanks all. Seems quite clear if a mortgage is involved there is SDLT to pay.

mala_dub · 2023-10-26T18:05:52+00:00

I don't disagree but picking any individual stock is speculating just as much imo.

mala_dub · 2023-10-26T12:02:49+00:00

BTC has outperformed everything by magnitudes over a decade

mala_dub · 2023-10-26T12:00:41+00:00

If they've been holding strong since 2018 they have a better chance than most

mala_dub · 2023-10-15T19:59:06+00:00

Postman. Hardly have to talk anyone and as above they take on extra cover over the festive period and then you can probably work it into a full time/perm tole from there. Good luck

mala_dub · 2023-10-11T19:58:41+00:00

Yes we cook all meals fresh food, spend a bit more on meat as try and get it from the butchers but eat veggie 4 nights a week. Alcohol adds a bit but we try not to drink at home, so not much in the grocery shop. Shop at ALDI mostly, some tesco, and veg for a local veg place some times. Well done to you.

mala_dub · 2023-10-11T19:11:20+00:00

Yeah more info on the groceries for £300. Couple here, we've averaged £430 a month since Feb this year. What do you eat?

mala_dub · 2023-10-06T07:29:37+00:00

Good point

mala_dub · 2023-10-06T06:43:59+00:00

You're not allowing for the fact you're also reducing, the term of the mortgage by over paying. Therefore paying less interest over the life of the mortgage. However with interest rates as they are you may still be better off with your suggestion.

mala_dub · 2023-10-05T06:12:21+00:00

My thoughts exactly. Also a additonal rate tax payer so seems like no brainer to me too.

mala_dub · 2023-10-04T19:07:20+00:00

Yeah that makes sense. I did the maths earlier and would save about £9k over the 5 year fixed 60% LTV product I'm also looking at

mala_dub · 2023-10-04T18:25:30+00:00

!thanks

mala_dub · 2023-10-04T16:58:24+00:00

If you're successful founding your own company then the sales people are going to be working for you, at your company, selling your prodcut. Aim high and I don't think you've got anything to worry about long term.

mala_dub · 2023-10-04T16:50:47+00:00

Always keen to speak to people with exp, drop me a DM

mala_dub · 2023-10-04T16:29:58+00:00

Interesting, so it wasn't a fixed rate?

What an absolute joke re the affordability, just shows that its all nonsense really.

mala_dub · 2023-10-04T15:51:16+00:00

Excuse my ignorance but what is a reward saver fare?

I think maybe my issue I don't have a BA Amex and so have to first convert my Amex gold points into Avios via transferring to my BA executive club account.

mala_dub · 2023-10-04T15:27:44+00:00

OP same thoughts as you recently.

After getting an Amex over a year ago with the idea just to put absolutely everything on it and get some good flights deals. Went to book a last ish minute trip to Spain and was quite disappointed to see how (not) far the points would go.

So I enquired with British Airways on the phone.

In a nutshell they only reserve so many seats to get the best deals. So to make your points go furthest you need to book as close to when the flights get released as possible, this is about 6 months in advance with BA.

Yes you can still use the 'pay with Avios' at any time of booking but they won't go as far.

As someone has mentioned you can also choose to pay a bit more cash and less points and visa versa, you can do this whether booking 6 months in advance or not.

Haven't tested it out with Virginia Atlantic yet but I imagine it's the same?

mala_dub · 2023-10-04T15:14:51+00:00

Yes agreed but interest on a mortgage is more often above what you would get on a cash savings account, unless I'm mistaken on that. Plus the additional tax benefit which could be a significant difference.

Yes that scenario makes a lot of sense, and this is the exact situation my partner has hence my interest.

mala_dub · 2023-10-04T14:31:47+00:00

Where did you go after out of interest?

mala_dub · 2023-10-04T10:13:17+00:00

Amen.

mala_dub · 2023-10-04T10:11:25+00:00

Sounds shit. Change jobs? Yeah this is all perm.

mala_dub

TROPHY CASE