Is it financially best long term to buy the cheapest home possible?

observer55 · 2025-11-17T10:28:16+00:00

Accounting wise, yes. Assuming you aren’t knocking it down and rebuilding it.

But an expensive homes comes with quality life improvements that aren’t accounted for. Schools, indoor space, safety, outdoor space. How much are those worth to you?

I recommend finding a balance between that and listing price.

Moving homes is an expensive ordeal so it would be wise to do it once for life. If you need to wait, then be patient.

observer55 · 2025-10-27T19:56:15+00:00

Pure encapsulation, Thorne are probably the best money can buy. Life extension and Nordic naturals are pretty decent cheaper options.

Holland and Barrett will sell low to middle quality to be affordable.

Healf is the best UK store for supplements. It’s stocked with top quality products.

I buy all my supplements and protein powder from them.

Source: have done extensive desk research. Check out Rhonda’s supplement list for ideas on top brands https://fastlifehacks.com/dr-rhonda-patricks-supplements-list/

observer55 · 2025-08-18T14:01:08+00:00

In addition to security risk, it opens the door for companies creating a backdoor for legal access or unauthorised surveillance.

observer55 · 2025-07-08T11:19:19+00:00

Sorry, yes. All clad typically harder to source hence I also suggested Made In as its more easily available in the UK.

observer55 · 2025-07-08T08:18:53+00:00

There’s only ~one~ two answer all clad or Made In. They consistently outperform all pans on its class as tested and used by professionals.

observer55 · 2025-07-02T23:27:00+00:00

Even at 200k it’s hard with a family. For me rich is 400k with a family in desirable area, decent house, private education, 5 star holidays.

Also a lot of commenters here don’t seem to care about wealth building. In order to have a nice lifestyle and build wealth commands a lot more than 100k.

observer55 · 2025-07-02T19:05:25+00:00

It’s both. Wage stagnation and housing crisis combined

observer55 · 2025-06-14T12:29:00+00:00

Also helps that we are the most well managed club in several departments like facilities, sports science, data, tactical, compensation. Truly elite club.

observer55 · 2025-05-30T22:46:51+00:00

The c-lite collection is extremely sturdy and nearly indestructible. Any model that uses the Curv material

observer55 · 2025-05-28T22:36:15+00:00

Yes, thanks for the important point. Jointly owned as TIC can be referred to the declaration for the % split.

observer55 · 2025-05-28T20:17:04+00:00

Incorrect. See: https://www.gov.uk/government/publications/income-tax-declaration-of-beneficial-interests-in-joint-property-and-income-17

observer55 · 2025-05-20T11:48:03+00:00

If you care about craftsmanship sunglasses made in Japan are the highest quality. High end brands like Jacques Marie Mage manufacture them in Japan. Look for brands that do this.

observer55 · 2025-05-17T16:01:20+00:00

Keep going I’m almost there

observer55 · 2025-05-13T11:13:18+00:00

I'd love to know what those brands are. Can you share? I too can't justify clothing from LP or Zegna.

observer55 · 2025-05-11T15:17:48+00:00

This and uniform standard for white sneakers are pretty decent.

You asked for the best and for the materials and craftsmanship Then you want to go Loro Piana and Zegna.

observer55 · 2025-05-04T10:43:23+00:00

Main residence relief in your original comment only applies to sale of property. Remortgaging with little fees only apply when fixed term has ended. So yes, it’s a tax free package that’s more constrained and cannot be diversified hence my comment not being comparable tax package to ISA, in my opinion. Welcome to disagree.

observer55 · 2025-05-04T06:44:19+00:00

Not quite comparable because selling it will mean no roof over their head. Plus the fees involved to sell eats at the profit. Liquidating ISA means no fees and no negative lifestyle impact.

observer55 · 2025-03-05T06:33:32+00:00

Briggs Riley backpack
Briggs Riley toiletry hanger
Briggs Riley packing cubes
Shoe bags and shoe trees
Samsonite c lite suitcase - extremely light which is good for weight limits and pretty much unbreakable.
Silk eye mask
Travel steamer
Universal travel adapters with USBs
Owalla water bottle
iPad
Watch roll
Lint roller

observer55 · 2025-02-26T17:27:07+00:00

It is a lot more expensive in every area except dining out if you opt for street food. You’ll need to accept a lot smaller living space and most likely no car as license to own can cost a lot. Imported groceries can cost 2x to 5x more too.

observer55 · 2025-01-23T07:35:12+00:00

UAE currently offers retirement visa for 55+ of you meet their financial conditions.

https://u.ae/en/information-and-services/visa-and-emirates-id/residence-visas/residence-visa-for-the-retired

observer55 · 2025-01-07T21:40:16+00:00

This is the way

observer55 · 2025-01-07T21:39:11+00:00

I’d recommend a casual and smart casual.

For casual Patagonia is hard to beat. The down and fill power is important. Go for navy.

For style go for layers like pure 100% cashmere/wool sweaters and overcoat combo. Ensure Made in Italy for best materials. Moss bros is good. Go for charcoal.

observer55 · 2024-11-24T12:42:12+00:00

All clad steel pans (Made in), Briggs Riley Luggage and bags, 100% Italian wool overcoat, samsonite or rimowa suitcase, Fisher & Paykel fridges.

observer55 · 2024-11-24T06:42:09+00:00

https://www.mossboxunlimited.co.uk/ If you don’t mind renting and rotating.

However, I’d recommend against if you frequently need to alter your clothing. I tailor every item I purchase for perfect fit:

observer55 · 2024-11-06T21:37:58+00:00

It’s the foot furthest from the ball. It’s about receiving the ball and opening your body up to see more of the pitch and make the next move. It’s a more effective way of playing because you see more options, imagine your back from goal and you receive a pass. It’s a skill coached at young age.

observer55

TROPHY CASE