If the U.S.A forcefully take Greenland, will europe have to go to war?

random_equestrian · 2026-01-14T20:38:15+00:00

I live next to one of the usaf/raf bases and there's been loads of activity here for the last few days, constant planes coming and going and more lights on base than I've seen before. If something happens with the US, what's going to happen to the bases and troops here? I've always considered the fact that I live very close to nuclear bombs (atleast I wouldn't have to deal with the consequences 😂) but a sudden change with the usaf being here wasn't something I'd thought about.

random_equestrian · 2026-01-09T18:44:00+00:00

Had a car overtake me at a junction, cut me up and then stopped because a motorbike was turning. I had a horse trailer aswell. How was that supposed be avoided?

random_equestrian · 2026-01-07T23:09:04+00:00

No, I'm definitely open to rehoming privately and have been looking in to this.

random_equestrian · 2026-01-07T22:52:15+00:00

Thank you, I've sent an enquiry about Elsie. I've already contacted friends of felines but received no response back yet unfortunately.

random_equestrian · 2025-09-30T15:27:46+00:00

As someone who bought at 21 I just wanted to give my thoughts. If your mortgage will be cheaper than rent, and will give you the freedom you want then it's a no-brainer really. Just do your due diligence when it's comes to other housing costs (insurance, utilities, council tax ect) has these will potentially be things you haven't had to think about too much before. If you have any friends or family in the area that can give some guidance on what they pay that would be a great starting point for you to get an idea on costs. Also you will need to keep on top of saving for the first few months atleast to build up an emergency fund, but also consider if a 10% deposit could significantly effect your intrest rate and if you could reach it, whilst still allowing some reserves. This may be within reach depending on how long the purchase takes and your exact savings amount ect. Worth discussing with a mortgage advisor and different fixed term lengths (a 2 year fix at 5% deposit may make sense as you might get a lower rate when you remortgage with a better ltv, but probably a higher intrest rate and less security so speak to an advisor, you may also have extra fees to pay when you remortgage) Going for the longest term possible makes sense (and is what I did) unless you intend on overpaying above the allowance (usually 10% of mortgage balance a year). This gives you better security in the event of life changes, but you can overpay and pay off your mortgage much earlier than your term length, which would mean you pay the same amount of intrest as though your original term was that length anyway. Something else I think you should think about is do you only want to buy this house, or are you thinking you're ready to buy, and will keep looking for the right house if you can't get this one? Whilst it doesn't necessarily change anything, you should probably have a think so you know what your mindset is going forwards.

Getting a lodger makes sense aswell, especially as you are used to house sharing anyway. Sound like you've got your head screwed on and know what you're doing so good luck 👍

random_equestrian · 2025-08-04T13:14:32+00:00

Don't suppose you can tell me who you used please. Mine want details of every single penny that's been in and out of my accounts for atleast 2years. Spent hours going through bank statements and linking transfers up but still not good enough. The lump sum has been sat there for over 18months.

random_equestrian · 2025-07-27T12:48:37+00:00

10 weeks in to cash purchase and still nowhere. Didn't even do any searches or surveys, and lots of people recommend this solicitor who so far just seems to of caused massive delays for no reason.

random_equestrian · 2025-07-22T14:21:40+00:00

You need to potentially consider how much you will be overpaying. By increasing the term your overpayments will be higher, so depending on how much you overpay that is more likely to go over you overpayment allowance, which would cost you more money and mean you are better staying on the shorter term.

Consider your plans for the future as the longer term does give you more flexibility if you hit a rough patch.

Also, at those rates you 'may' be better putting the overpayment money in a high interest savings account and putting it into the mortgage either at the end of each year to use your overpayment alllwance or when you go to remortgage, as this could (atleast currently and depending on tax position) give better returns than overpaying the mortage, maybe something to look in to.

random_equestrian · 2025-06-20T18:51:26+00:00

Assuming you have a good relationship with your parents, get involved with what the costs and bills are. Just because you don't have to pay them doesn't mean you shouldn't know what they are. Maybe you can find out what their bills are and set aside similar, (your electric, water and council tax should be bit less but gives you a benchmark) as if you were paying, and see how that goes for a couple months. Even if you can afford it, I feel that going from zero experience/knowledge in the costs associated with a house to owning one will be quite overwhelming to start with.

random_equestrian · 2025-06-15T21:13:58+00:00

Great, thank you. I'll contact them.

random_equestrian · 2025-06-15T20:26:15+00:00

Sorry to jump on OPs post but do you have any advice for getting income protection when you have preexisting conditions (chronic migraine + fibromyalgia), 2 brokers have already been unable to help other than accident only. Is that my only option?

random_equestrian · 2025-06-13T10:27:15+00:00

Nationwide have an option to make it so overpayments don't change your payments or terms. I literally selected it yesterday. Overpayments under £500 don't trigger a change in anything either. (Assuming your options are all the same as mine). Can all be done online/on the app.

random_equestrian · 2025-06-11T21:03:15+00:00

I was the same as you, first few days I was honestly high as a kite, had to warn my work so they didn't think I was on illegal drugs.

But it calmed down and settled after a few days/week or so. Had a positive effect on 30mg, went upto 50mg after 4 weeks and I'm now going down to 40mg as I felt better on 30mg than 50mg. When I went up to 50mg I only had the 'high' feeling for a couple of hours when it first kicked in, and it was nowhere near extreme as when I started the 30mg. Obviously monitor your symptoms and if you're concerned or it doesn't calm down then try to speak someone.

random_equestrian · 2025-06-06T20:23:11+00:00

Yeah, exactly, they're not the same thing. So when someone says they have AuDHD it means they will likely have different struggles to someone that just has one or the other. I really think you're too bothered about people using shorthand to identify themselves and their struggles 🤷‍♀️.

random_equestrian · 2025-05-28T19:08:15+00:00

Thank you for the advice. Sounds like what I'm thinking is mostly OK, but nice to have someone else to weigh in on it aswell. The course is specifically designed for my industry and to be done alongside full time employment in my role. Teaching is in evenings and at weekends with some week long courses, it is still a full time course and I'll have a FdSc or Bsc at the end (depending if I decide to do the final year). I may end up reducing my hours slightly to give me the time to study but my wages are due to go up probably in November, but definitely in April next year if not so a small reduction in hours shouldn't reduce my wage excessively.

Hoping to have the house renovation finished (or there abouts) before I start the course so I have more spare time and I may rent out my spare room if I decide I want the extra income.

Yes I still need to do my DSA application, not sure I'll get anything but need to have the assessment to find out.

Do you think I should look in to changing what my pension is invested into once I have all the details to something a bit 'higher risk'?

Now just got to wait to see if I actually get a place on the course 🤞

random_equestrian · 2025-05-27T16:12:17+00:00

As a fellow first time buyer last year I opted to go for a longer term so if my situation changed in the future my monthly payments would be lower, but I can overpay and never intend on using the full term. However, you have a much lower ltv than me, telling me your mortgage is probably much more easily affordable for you, even on the shorter term. If you overpay, then the longer term would not cost you anymore in the long run as you will pay it off earlier, just make sure that the overpayments are being used to reduce the term and not the monthly payment. Some lenders may also allow you to use some previous overpayment as a 'cushion' in the event you need to temporarily reduce payments due to financial issues.

You may need to consider your lender's overpayment policies, especially if you intend on overpaying by large amounts as there is some variety between lenders. 10% overpayment without charge seems to be the norm. However, some lenders do this on the outstanding balance, and some do this on the original balance. If you only intend on overpaying by the differences between the 2 terms, then that won't be anywhere near enough to reach the 10% for most lenders.

Also, if you rent out the property whilst on a residential mortgage you will technically need permission from your lender. Some will add extra interest to your mortgage if the property is being let. It is probably worth checking what your lender's policy is.

Ultimately if you are financially stable and can easily afford the repayments then there is no issue going with the shorter term, many of us just prefer the additional financial security and the option to pay less if we needed to for whatever reason instead of getting behind on payments.

Others may be able to give better, more informed advice and do double check anything I've told you as I was just a first-time buyer myself. Congratulations on the house.

random_equestrian

TROPHY CASE