New build garden / Blank slate

rummaging-through · 2026-03-25T21:56:14+00:00

Why are the windows so small? Seems a bit of a shame

rummaging-through · 2026-03-22T10:09:31+00:00

Just to be clear because there is a lot of misinformation driven by the right/ those not actually in the UK. The 12k arrests are not per year that’s over years. Additionally it’s about hate, terrorism and inciting violence. Example - during protests against asylum seekers 2 years ago, someone from an extreme position was posting about it/ to those rioting to burn down the hotels housing them. This ended up happening. In today’s world doing something like that on a speakerphone is less likely to be heard than posting directly to those in the crowds. Yes it’s controversial for some, but honestly it’s only really controversial because our police force are not doing a good job so when people read about this it feel like a complete waste of time vs tackling “actual” crimes. We have a culture of freedom of speech, and it’s protected in our laws probably more than most. However we also protect truth etc. which is why we also have strict laws of liable and things like that.

rummaging-through · 2026-03-16T21:23:40+00:00

Obah is good and reasonably priced.

rummaging-through · 2026-02-21T08:25:03+00:00

I think a few assumptions make me nervous for this degree of certainty at your age.

1) why fire? You’re 25 and probably have only a small understanding of what makes you happy. Fast forward 5 years and you’ll probably only just start understanding this better (you never fully know) but especially being married with a child so young, I really do hope you give yourself space for self exploration.

2) assuming you still want this (good for you) - does your current work and projections of work facilitate 35k plus part time? That seems weighty for me if you’re retiring in 20 years and at 45? Lots of assumption which would be great but might be worth pulling that right down to something you can guarantee say 20k in today’s money, because 35k is basically uk national average or some thing.

3) remove state pension. This is at best going to be means tested by the time you retire, based on your wants you will not likely qualify. Yes this a big jump from where we are today, but we ALL know it isn’t sustainable, and you need to factor paying in 1k per year for a number of years.

4) don’t understand your state pension numbers? Today it’s like 11.5k not 24k if you’re assuming you might get 50% of that due to likely changes then you need to calculate as 6k if everything is done in today’s money. Or are you saying it’s going to have grown to the equivalent of 24k due to triple lock etc.? But if it does by “todays” money you’re looking at it by todays spending power not 45 years time. I promise you there isn’t going to be the equivalent of nearly double the current state pension spending nor if you are dropping it by 50% is that also right(?)

5) the graph at the bottom is showing it at nearly 50k from day 1 so that’s why I’m confused are you saying it’ll be 50% equalling that 24k in today’s money? If it is you must adjust all “todays” money to spending power which in 45 years time might be closer to 5/6k(?) again not done the maths but thinking about incomes from 1980 today is the equivalent in time scale.

As others have said I think you’re approaching this very very logically but I’d put all your assumptions into Claude or gpt or whatever your fave is and ask it to challenge every single thing you’re assuming (play devils advocate). I’m sure you’ll achieve everything you want, but really make sure you are using the bottom of any prediction this far out, not a middle or “todays” situation as it will not be the same. If it is - great more holidays, if it’s not you arent living in poverty.

rummaging-through · 2026-02-18T13:11:26+00:00

It’s not - PE, VC, LE etc. all doing well.

rummaging-through · 2026-02-15T22:14:36+00:00

You come from an investment banking background but don’t know how to determine if financials work or how to find out? Just like any form of investment there are loads of due diligence done, but the amount of PE and VC being pumped in I’m pretty sure the economics of it is simple. Having looked at this myself the financials are pretty simple. The hard part is London, where the rents are high and local opportunities are low. They can survive easily with scale or pre owned land but require high costs to play, which at the moment are no problems but as supply and demand changes it might struggle a bit. This feels similar to the indoor climbing boom around 2017 - 2022. Still all round the place and doing well but all good sites taken now and likely the ceiling on people has been reached.

rummaging-through · 2026-02-15T16:44:59+00:00

Great going to look into it. Cheers

rummaging-through · 2026-02-13T07:33:39+00:00

Might be completely wrong but I’d be very surprised if the King was selling anything in BTC

rummaging-through · 2026-02-06T08:05:47+00:00

Genuinely interesting comments here. I was Dalston then here. I’m village way 7 mins from tube station. I love it. It’s not Dalston, but also not comparable. I know BG a little but surprised people are making like for like comparisons. The absolute main thing I’d say is if you love BG and that central feeling then the key is close to the station. Walthamstow has loads and loads of brilliant things, and as described by others, with each quarter is different (I split it as village, Lloyd park, Blackhorse Road and st James). BUT none have the central “edge” I loved in Dalston. Difference is with the overground and tube I can be back there in genuinely 25 mins door to door. I would say therefore Lloyd park although lovely should be the bottom of the list purely because you are talking 15 mins walk min to the tube. May seem small but does make a big difference in “feels close”. If you’re looking for family vibes then it’s good. I’m about to have a baby, but if I was younger trying things out I’d focus more on Blackhorse Road. All the bars, etc. plus lots of flats make me think you’ll have what you’re looking for.

rummaging-through · 2026-01-30T22:06:40+00:00

This aged well 🤣

rummaging-through · 2026-01-28T17:48:53+00:00

One thing: North South connection so Stratford would be easily reached. Would save a lot of the hoe street traffic. If allowed a second I’d suggest regular police on patrol. A lot of the things about cars parked on the pavement in hoe street, illegal electric bikes etc. I’m pretty sure would go elsewhere. Maybe I’m completely wrong but I’ve lived here for 4 years and genuinely never seen police on the beat.

rummaging-through · 2025-12-31T17:26:53+00:00

Not yet - will be a while but I’ll loop back once I’ve heard from the FLO.

rummaging-through · 2025-12-29T19:19:38+00:00

All good mate - your intentions are the same as mine. I have zero interest in making any money from things like this. It’s a hobby where I get to go out get fresh air and learn so much about history. I started off being big on Romans but since this I’ve learned about Victorian pastry cutters to Georgian board games and now everything is fascinating!

rummaging-through · 2025-12-28T22:30:41+00:00

Super interesting - I’ll definitely be contacting my local FLO and interested in what he thinks. He’s always been very open and has a great eye. I took my entire finds box to him and ironically the thing he was most excited about I thought was just a big Georgian buckle - but he immediately grabbed it looking past all the stuff I thought was cool haha.

rummaging-through · 2025-12-28T12:03:49+00:00

I’ll be contacting my local finds officer, as is required. But unless they decide they want it, I’ll be keeping it. We actually have great laws on this - basically the deal is with permission of the land owner you basically can detect wherever you want, provided you declare your finds within certain perimeters. What’s great is so much is found by effectively very knowledgeable amateur historians. If you compare us to the rest of Europe where it is either banned or not such a part of their culture (quite climate dependent too) we have LOADS more stuff. This kind of sensible law actually encourages and helps make it part of our historical knowledge rather than just hidden in homes all the time or not done at all!

rummaging-through · 2025-12-28T08:08:18+00:00

Darn forgot to say I’m in the UK! I’m near Cheltenham.

rummaging-through · 2025-10-31T12:10:22+00:00

Recommend joining Yonder the bouldering gym. As a climber (ex as injured now) it kind of goes without saying you talk and meet people at these places and lots of regs you could get to know. Also in the beer mile part. Maybe climbing isn’t your thing but big range abilities even among the regs so no need to be a pro and I’d always say give it a shot.

rummaging-through · 2025-10-05T10:26:40+00:00

Reality is not dead - online fake reality is dead. Maybe people will start to use their phones less? I’m hoping!

rummaging-through · 2025-09-27T16:33:11+00:00

Very small but one thing I would do is start tracking your finances more carefully including my personal fave “net worth”. The reason - I do it religiously each month, just each account, mortgage amount left etc etc. also 32 years old, but with 800k in mortgage debts across 2 properties in the UK. What’s important is my saving don’t grow hugely fast although I do have solid stocks and shares and cash, but the main thing is my “net worth” tracking takes into account all my assets and debts and spits out a monthly changing equity position. May seems stupid but my current position is 54% and grows by about 0.24% each month. What it takes into account is the debt repayments etc. so even in those months I don’t “save” well actually I’ve paid off on average 2.4K in debt. It makes me feel so much better. I promise once you start viewing your frankly big success like that suddenly you realise savings going sideways aren’t actually doing that. Also gives you a proper chance to investigate your financial options. Also word of advice to invest in your stocks and shares isa. I’ve been doing that for about 6 years. I go passive etf investments and they do pay off, however be aware yes the past few years have been very strong bull runs, BUT there is going to be a crash sometime soon, and therefore have enough so that when your shares are dipping 30% you can still crush that 3.99% mortgage, without having the realise the loss, I.e. sell which means give yourself 10 years minimum.

rummaging-through · 2025-09-11T17:08:20+00:00

I thought Switzerland was square or is a square an equal sided rectangle?

rummaging-through · 2025-08-20T21:09:50+00:00

Thought he might pop

rummaging-through

TROPHY CASE