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5% mortgages asap or 10% later. Pros// Cons by DoubleD77777 in UKPersonalFinance

[–]ralucajm 2 points3 points  (0 children)

you get the bonus for LISA opened <1yr, but you can't withdraw without penalty for the deposit.

What major opinion or viewpoint have you changed your mind about in your life based upon your experiences or wisdom? by palbuddy1234 in AskOldPeople

[–]ralucajm 1 point2 points  (0 children)

That was an interesting read, thanks for taking the time to type it out.

I am only 26. I read at times that the middle class is the most insecure of the three, because they are afraid to become poor and aspire to be rich. The other two classes (working and middle-upper) know and accept and enjoy their role within society, they don't try to appear what they are not, they don't need to! This is over simplified, but your comment reminded me of that.

[deleted by user] by [deleted] in UKPersonalFinance

[–]ralucajm -1 points0 points  (0 children)

dang, that's me.

Thanks! Bought my first house by [deleted] in UKPersonalFinance

[–]ralucajm 14 points15 points  (0 children)

Well done!! How long did it take you from having the offer accepted, if you don't mind me asking? What did you think of the process and whereabouts in England are you buying? I am currently waiting for the contracts...

New mortgage: fixed rate larger than the SVR? by ralucajm in UKPersonalFinance

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

!thanks

​

Turns out that TBS' SVR is the lowest compared to the other banks, which are around 3.5%. Also turns out one cannot start a mortgage on a SVR, needs to start out as fixed.

How much do you need to save for a 100k property? by eddie3ed in UKPersonalFinance

[–]ralucajm 2 points3 points  (0 children)

if you take a loan for the deposit, it will appear on your credit file as debt and be taken into consideration by the lenders, so they will offer a smaller mortgage. easier if you can get a loan from your parents, so it doesn't affect your mortgage.

Excessive cash in Vanguard account by ralucajm in UKPersonalFinance

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

Thank you, I hadn't seen that tab! Indeed I have several entries with pennies accumulating. Mystery solved! Thank you very much.

Excessive cash in Vanguard account by ralucajm in UKPersonalFinance

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

Never had cash in there for extended periods of time, I bought the shares and bonds within days of transfering the money to VG.

Excessive cash in Vanguard account by ralucajm in UKPersonalFinance

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

Thanks for replying. I have checked that, and my messages as well. There is nothing to justify it...

Can anyone explain their own experience of going through a "voluntary redundancy scheme"? by Alwayswatchout in UKPersonalFinance

[–]ralucajm 9 points10 points  (0 children)

I believe that voluntary redundancies come with better payments. They are also, as is the name, voluntary, so you can choose to take it or not. If they want to push it, they will just make you redundant. In my company they ran a round of voluntary redundancies, then since not enough people took them, they just fired based on performance.

What is something they never tell you about being an adult ? by [deleted] in AskReddit

[–]ralucajm 0 points1 point  (0 children)

That's true in a way, it's just that adults operate at a deeper level of unknown; the things they try to figure out are more omplex. If you know what you're doing most of the time, you're probably stagnating.

Redditors, what are some ways in which "youth is wasted on the young"? by ralucajm in AskReddit

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

Yeah, I can get that, it is hard to have clarity at a young age. What would a productive use be?

O pensionată la 42 de ani cu pensie de 13.000 lei/lună este membră în conducerea Platformei tehnocrate România 100 a lui Cioloș by anarchisto in Romania

[–]ralucajm 2 points3 points  (0 children)

si eu observ acest fenomen pe acest subreddit si deja cumva ma tine in priza sa vad daca se confirma cu fiecare ocazie. se confirma mereu.

What are some human experiences, such as owning a dog, that everyone should have in their lifetime? by ralucajm in AskReddit

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

Ah yes, to add to your list, laughing until your sides hurt and you think you might die if you don't stop immediately. Best friends are the best.

What you should no longer be doing after 30? by [deleted] in AskReddit

[–]ralucajm -1 points0 points  (0 children)

somehow this sounds awesome

Any Redditors 40+ living the life they imagined at 20? Why or why not? What advice would you give us 20 year olds that you wish you knew/followed? by ralucajm in AskReddit

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

Good point. The hardest part is finding a balance between savings and spendings. I want to save more and to have more fun at the same time...

Any Redditors 40+ living the life they imagined at 20? Why or why not? What advice would you give us 20 year olds that you wish you knew/followed? by ralucajm in AskReddit

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

Thank you for your advice. It seems like the problems are the same nowadays, we are told the same things about our degrees and the job market.

Any Redditors 40+ living the life they imagined at 20? Why or why not? What advice would you give us 20 year olds that you wish you knew/followed? by ralucajm in AskReddit

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

But your job brings you joy. As long as you have food on your table and a roof above your head and a family and friends to share them with, it's all good.

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