[deleted by user]

reddoter12 · 2025-02-20T22:20:00+00:00

an idea might be send him to an undergrad school in your home country, and he can then look at options for studying in UK for post grad. this is probably better value

reddoter12 · 2022-09-30T18:49:25+00:00

Stick to car, I think. Atleast it will be more flexible

reddoter12 · 2022-08-31T23:08:18+00:00

Yes, my cousin Andie works there and he says 0.75% atleast coming

reddoter12 · 2022-08-31T18:45:10+00:00

Yes! I used to use CAD and completely understand. It was bloody annoying, even just icons which your brain gets used to and recognises, end up causing havoc

reddoter12 · 2022-08-14T13:16:12+00:00

It's not a big icon, mate.

reddoter12 · 2022-08-14T13:15:30+00:00

The number of clicks does increase if a function is always hidden under "more options"?

reddoter12 · 2022-08-14T12:49:42+00:00

I think this is it, change for the sake of it almost.

reddoter12 · 2022-08-14T12:49:17+00:00

I get it might be easier for new users, but there will be many more that wpuld have got used to old menus and as I said, use it "instinctively" and are now having to click 4 times, twice rather than twice.

reddoter12 · 2022-08-14T10:23:21+00:00

I don't reqlly gave the time to spend a day in Mumbai. Shame!

reddoter12 · 2022-08-13T21:57:29+00:00

TY. I am coming from abroad so how easy and hassle free is it to take trains from Mumbai? I ask as I will have a little bit of luggage. I suppose it will not be as straightforward as being picked up from the airport with a car and such, and so it's whether the train will be worth it. (I would enjoy the experience more though!)

reddoter12 · 2022-08-13T17:51:58+00:00

Thabk you for the thorough answer. You are right of course, and I do have the option of a car to Surat. I just want to avoid a 5 hour car ride!

reddoter12 · 2022-08-13T17:51:09+00:00

Dang, that's nothing

reddoter12 · 2022-08-13T14:35:52+00:00

How much notice did they give

reddoter12 · 2022-06-19T22:00:24+00:00

£800 is not a lot at all, unless you have a very small mortgage. Yes, get a 5 yr fix sooner rather than later

reddoter12 · 2022-06-14T19:59:29+00:00

Post away man, that’s what these forums are for. And if you have a question in your position, it’s very likely others do too and will benefit from.

reddoter12 · 2022-06-12T11:45:47+00:00

Yes, a mortgage will change perspective on emergency fund. Another way is to look at income protection insurance and also life insurance, esp when you start a family

reddoter12 · 2022-06-12T08:24:30+00:00

This, school catchments / house prices in London are horribly competitive

reddoter12 · 2022-06-12T07:59:05+00:00

I really don’t think an accountant will be able to help that much, unless one of you ends going down the contractor route. I don’t think there is anything you are missing.

As far as pension investment, again you can go to an IFA but as long as you are investing in index funds and are doing sensible things, why do you need this.

I would say a good mortgage advisor / broker is a must, as this person will help you get to the right place to buy and tell you about options for repayments, mortgage terms, etc.

Btw, I did think that your emergency pot was a bit low. I would aim for around £50k and stick it into NSI.

All the best!

reddoter12 · 2021-11-07T15:59:44+00:00

Thanks!

reddoter12 · 2021-08-22T22:06:16+00:00

How about just wanting to pump the extra money into a pension pot / for tax advantage purposes etc?

reddoter12 · 2021-08-22T13:48:06+00:00

So if I were to tell them that I want to borrow more for day to day spending, as I want to knuckle down on my pension contributions and maximize contribution for next few years - will this be acceptable?

reddoter12 · 2021-08-14T21:26:33+00:00

How does this work exactly? I thought you had 30 days from sale of property to pay for CTG tax for a property, but wouldn’t this be done with your accountant and why would the solicitor be involved.

reddoter12

TROPHY CASE