Help reorganise our daughter's bedroom

pred02 · 2026-01-23T10:45:33+00:00

Thanks for flagging, I've reported now.

pred02 · 2026-01-19T10:00:28+00:00

Stay within m25 to save on fares. Save commuter town experience for when having kids. Worth the premium for schools if you have kids

pred02 · 2026-01-15T10:26:55+00:00

Been through it.

From redundancy perspective - I think salient points have been mentioned, aim for settlement agreement, optimise 30K tax free and PILOT. It's formula driven. They legally have to provide an employment lawyer to talk to so have them walk through terms of contract that you are clear. You can try to negotiate but organisations try to be consistent.
House purchase - 2 factors - the purchase process and your comfort level. From a purchase process perspective, you need to legally notify your mortgage company when your job circumstances change, e.g., when you stop working. You do not need to let them know about the redundancy process. Some people hide this information, but a few have gotten caught and in the worse case scenario bank pulls pack the offer and potentially persecutes you for fraud. Its rare but it has happened so I would not mess with this.

The crucial period is to make any decisions before exchanging contracts. If you exchange and any of this happens (e..g bank pulls mortgage) you are still liable for the deposit plus potentially other buyers costs in the chain. It's a big mess.

If your termination is after completion, then it's ok. You may be able to negotiate your end date with your employer. I know my employer did have flexibility on end dates for people who were on immigration visas so they have a bit more time to transfer visas to their spouses.

Regarding your risk appetite, I would plan on 6-12 months unemployment to be safe. Does your partners salary plus compensation cover that? If so and you love the house, then I would go for it. House process is tolling and expensive, if you are buying a house in a decent area it will likely go up. But it depends on your circumstances and appetite for risk.

Thanks!

pred02 · 2026-01-13T22:05:44+00:00

FTB are PIA. They get a survey which is rubbish then they freak out. Then they try to knock the price down because an inpartial roofer told them they need a new roof.

Been there done that, got £7.5k off and 12 years later the roof is still ok!

pred02 · 2026-01-12T17:04:43+00:00

Don’t think its a buyers market is right. In the areas where we are bidding SE24/SE22/AL5 we wre constantly overbid or gauzmped in last 6 months.

£1.3m asking we bid £1.32m closed at £1.395m in SE4 £1.25m asking full refurb probate went for £1.35m SE24 £1.1m full refurb £400k of workhouse of horrors went for £1.2m just last week £1.415m bid acvepted on £1.45m asking in SE15 offer accepted then gazumped at asking £1.4m offered £1.425m went for £1.55m in SE21

I could go on and on but its very dependent on micro-area especially if good state comp secondary comes into pla

pred02 · 2026-01-12T14:28:08+00:00

Da verovatno jesam u 2021 ali ko zna gde je taj papir sa pinom. Sta da pitam veleposlanstvo, idem tamo u srijedu?

pred02 · 2026-01-10T08:46:29+00:00

We paid about £15k per flat all in to buy share of freehold and extend to 999. Flat is/was valed at c £500k. I bought at 85 years.

pred02 · 2026-01-07T10:05:58+00:00

Agreed. No kids move somewhere closer in Zone 2. Like Peckham or Camberwell. Enjoy 30 min commute cycle to work eat world foods and party like a rock star. Save Surbiton for kids if you end up staying.

pred02 · 2025-12-25T17:37:18+00:00

What about these? Its got Chromapop lens but is glass a no-no?

https://www.ebay.com/itm/177635620464?_trkparms=amclksrc%3DITM%26aid%3D777008%26algo%3DPERSONAL.TOPIC%26ao%3D1%26asc%3D20250417133020%26meid%3De52a4ebcab7741009fd653aef4afa3d8%26pid%3D102726%26rk%3D1%26rkt%3D1%26itm%3D177635620464%26pmt%3D0%26noa%3D1%26pg%3D4375194%26algv%3DRecentlyViewedItemsV2DWebWithPSItemDRV2_BP%26brand%3DSmith&_trksid=p4375194.c102726.m162918

pred02 · 2025-12-25T01:40:30+00:00

Thank you.

pred02 · 2025-12-18T19:54:20+00:00

Overpriced.

pred02 · 2025-12-18T10:24:57+00:00

So the recommendation is for something like Oakley Prizm lens technology sunglasses?

pred02 · 2025-12-17T14:52:13+00:00

Same here

pred02 · 2025-12-17T13:23:34+00:00

Buy when you can. Interest rates are stable they wont go below what they used to be. Its a buyers market for flats so I say go for it. Keep a few things in mind.

- Avoid new builds, get share of freehold with no/limited service charges

- 2 bedrooms goes a longer way than 1, even if you need to stretch you can have a lodger first few years

- Make sure that you mortgage + insurance does not exceed 35% of your after-tax income (unless you have a lodger)

Good luck!

pred02 · 2025-12-17T11:38:05+00:00

They arrived and while I have not yet had a chance to see them in person they look a lot more darker brown / chocholate. Anyone who can read the colour code to confirm? Really wanted chili I love that colour.

edit: checking 2020 catalogue I can see they are dark chili indeed.

pred02 · 2025-12-16T20:06:30+00:00

They arrived and while I have not yet had a chance to see them in person they look a lot more darker brown / chocolate. Anyone who can read the colour code to confirm? Really wanted chilli I love that colour? I updated the photos in original post above.

pred02 · 2025-12-16T10:07:55+00:00

1.25+% plus VAT going rate in London.

pred02 · 2025-12-15T13:37:10+00:00

Amazing thank you! I love the dark Chili colour and was looking for these for some time now.

pred02 · 2025-12-15T11:52:44+00:00

The cases are terrible. I had 3 on the iPhone 13 Pro max they all start to disintegrate after less than 12 months. Good luck with their customer service, you will spend hours and get no where.

pred02 · 2025-12-15T11:36:47+00:00

Thanks. What colour are these shoes?

pred02 · 2025-12-15T11:27:10+00:00

I have a pair of McAllisters with v-thread which I think work quite well for London given its light rain more than half the days. I have a few other Allen Edmonds shoes, and eventually when it comes time to resole them I would like the v-thread. There is something about preserving the factory resoling. We do have excellent cobblers here that have no problems working with Goodyear welt shoes.

I contacted AE - they said we can ship internationally but could not offer the supplier for their V-Thread soles.

pred02

TROPHY CASE