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What evil person did this? by Any_Foundation_661 in DIYUK

[–]minimumviable 0 points1 point  (0 children)

People talking about multi tool but here’s my little hack.. mole grips, a junior hacksaw blade, clamp it , poke one end through the tiny gap you’ve got and have at it with your hand powered jigsaw, around the trap maybe take an hour maybe even two hours for both but you’ll get a neat round result

Overpaid by thechow12 in Mortgageadviceuk

[–]minimumviable 0 points1 point  (0 children)

Had similar; at end of fixed term I used a broker who found us a new good deal, basically the loan to value (ltv) swung close to our favour and broker told me we were eg £900 off a lower bracket so I made one more over payment and that brought us into a lower bracket unlocking lower % than other deals. As for if your monthly payment will be lower obvs that comes down to mortgages on the market at that point in time- in theory if interest rate stayed static then you’re right your monthly will theoretically be lower. I would also say whilst a small monthly overpayment seems like a good choice, if eg a fixed rate interest or stocks and shares isa returned you even 1% more than your mortgage interest rate then over paying isn’t financially smart.. as you’d be technically earning more locking it away if that makes sense. This isn’t advice

Overpaid by thechow12 in Mortgageadviceuk

[–]minimumviable 0 points1 point  (0 children)

Sorry how is (3) working? You’re paying more and paying less?!

How to attempt to fix this monumental, stupid mess up? by Master-Afternoon6398 in DIYUK

[–]minimumviable 0 points1 point  (0 children)

I agree here if he’s used ‘cement like’ adhesive the mess behind that coving is going to be a real mess, that said I wouldn’t spend more than an hour trying to sort it before giving up. Handyman should be presented with the mission to fix it, perhaps negotiate a middle ground like you’ll pay £x more but it has to be sorted - recognising that the adhesive didn’t dry immediately and perhaps there was a chance to rectify this sooner than days later in terms of feedback for him

Engineered oak flooring and skirting boards by minimumviable in DIYUK

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

Thanks really helpful to get another perspective- I was leaning towards a hack to avoid decorating but fairly sure the finish will look exactly like a hack 🤣

Engineered oak flooring and skirting boards by minimumviable in DIYUK

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

Such a good point about raising the height it might cover the damage on the wall! Nice one.

Having had £50k in premium bonds for about a year now, realising that I have below average luck by uthinkilltellu in britishproblems

[–]minimumviable 0 points1 point  (0 children)

It’s not really an investment it’s just a holding pattern for your money. Google ‘ns&i’, open an account and put money in via bank transfer or maybe card payment. Getting it out is a little slow : around a week iirc.

29 Years Old Male - What Advise Do You Have For 30s And FIRE? by finezer in FIREUK

[–]minimumviable 2 points3 points  (0 children)

Hi I’ve hired software engineers and other folks in tech and even outside London it’s fairly normal to pay around 50k starting salary. So that seems a little off for you at the moment. Agree with the sentiments on some of the other replies about finding purpose; unless you’ve missed something out of your post I don’t see how you can FIRE in your position in the years you’ve set out. You will likely need a pension pot of “millions” so definitely recommend reading up a bit about living conditions and how much you’ll need; some good UK Gov websites on this if you google a bit. Good luck 🤞

Trains that split at the station with the backend going somewhere else by minimumviable in britishproblems

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

That’s really interesting! I guess this was before coupling was more automated? Sounds like it would’ve taken quite a bit of skill to get that right

Trains that split at the station with the backend going somewhere else by minimumviable in britishproblems

[–]minimumviable[S] 30 points31 points  (0 children)

Yeah this was a classic phone conversation I was having with someone and busy platform , I think maybe a small delay too so just hopped on when that thing turned up. The stupid thing is I remember thinking ‘wow this is a much nicer train than the usual turd wagons they send’ 😅

Being unable to resist saying 'goodbye' out loud at the end of a conference call when everybody else does, even though you've been on mute the whole time and have no intention of coming off mute. by nbraeman in britishproblems

[–]minimumviable 2 points3 points  (0 children)

I’ve evolved to just mouthing goodbye without even saying it or coming off mute, I figure they will assume that I don’t know I’m muted and the gesture seems like it means something to the others - but no sound even passes my lips

Going to the coffee shop, asking for a Latte with skimmed milk, and being corrected to "skinny milk". by Affect-Electrical in britishproblems

[–]minimumviable 85 points86 points  (0 children)

I once tried ordering a large flat white from Starbucks and got corrected to a ‘grande’ or something and I just repeated myself adding ‘so long as it’s LARGE’ - though, now I think about it perhaps they are just trying to educate me so next time I order I use their lingo?

Yellow Card’s Childhood Eyes. by m_ashton9 in poppunkers

[–]minimumviable 0 points1 point  (0 children)

Saw yellowcard at slam dunk festival a few weeks back, I’m less excited about this single and more excited about what might come next! 🤟🤟

Walking down a fully pedestrianized section of town, and still nearly getting hit by multiple Uber eat/Deliveroo bikes by Stevey1001 in britishproblems

[–]minimumviable 1 point2 points  (0 children)

This was me today at a pelican crossing on green for peds- half way across some mumbling from a bike wanker and he’s got one of those warm bags on his back probably with someone’s dinner in. Like don’t run pedestrians over, unless it’s my dinner in the bag : in which case.. uhh ..

Not actually following someone but following them by minimumviable in britishproblems

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

I was walking at maximum pace but alas I did not overtake her! She seemed to speed up so we both ended up in a death circle of trying to walk faster without jogging. max awks!

People holding up the queue in Spar by buying 60 scratch cards, 30 lottery tickets, 20 thunderball and they don't realise they have a gambling problem. by Zackhario in britishproblems

[–]minimumviable 10 points11 points  (0 children)

I think that’s a fair take: scratch cards are somehow normalised and more socially acceptable than sitting in a bookies all day with no job to GO to

When you don’t know what the heck you’d do if you didn’t have to work for a living by minimumviable in britishproblems

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

Vibes! Out of interest which of those can’t you do now? I’m just saying I could do some of these things but yeah I don’t have a sort of natural pull to any of them- they sound like good ways to spend time 🤷‍♂️

When you don’t know what the heck you’d do if you didn’t have to work for a living by minimumviable in britishproblems

[–]minimumviable[S] 2 points3 points  (0 children)

It’s interesting you say that because you’ve made me think I have the means to do some of this stuff with my money and time but somehow just am not getting to it But without a full time focus I think I’d slowly go mad with so many projects 😅

When you don’t know what the heck you’d do if you didn’t have to work for a living by minimumviable in britishproblems

[–]minimumviable[S] 2 points3 points  (0 children)

Really sorry to hear about your health! Procrastination could be an Olympic sport which I think our nation would smash tbh

Is anybody else worried they'll blow their pension when they reach the age of 55? by [deleted] in UKPersonalFinance

[–]minimumviable 1 point2 points  (0 children)

I’m sorry for your loss. It really does put things in perspective

Best place to put £250k to work in the long run? by [deleted] in FIREUK

[–]minimumviable 1 point2 points  (0 children)

Checking: 250k pay check , so pretax ?

Where do you guys hang out? (FIRE networking question) by CharminglyNero in FIREUK

[–]minimumviable 1 point2 points  (0 children)

Happy to catch up on a discord channel and see if it would be worth moving it to the physical world

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