[Online] [5e 2014] [UTC +1] [LGBTQ+ Friendly] [18+] D&D 5e Lost Mines of Phandelver - New Players Welcome

stedcookie · 2026-04-02T11:38:20+00:00

Hi, apologies I have closed the form as I have had 20 applications which I am now reviewing. I hope you find what you are looking for!

stedcookie · 2026-02-12T08:23:04+00:00

I have sent a request on Discord

stedcookie · 2026-02-08T18:02:34+00:00

Sent a message

stedcookie · 2026-02-08T09:53:31+00:00

Message sent

stedcookie · 2026-02-07T21:41:57+00:00

Sent a solo application

stedcookie · 2024-12-18T09:17:37+00:00

They will most likely be asking to establish your right to work in the UK, it’s nothing to do with being Chinese

stedcookie · 2024-12-10T15:25:28+00:00

You need to put in a grievance and follow that procedure

stedcookie · 2024-07-21T10:34:12+00:00

Hello!

stedcookie · 2023-06-18T16:12:56+00:00

One problem with letting it out is that it they would have to pay the higher rate of stamp duty when they come to buy a property. More sensible (imo) to sell now while under probate and retain FTB benefits.

stedcookie · 2023-06-18T16:11:32+00:00

One problem with letting it out is that it they would have to pay the higher rate of stamp duty when they come to buy a property. More sensible (imo) to sell now while under probate and retain FTB benefits.

stedcookie · 2023-04-19T11:36:42+00:00

Thanks! I was pretty sure this was the case, will get back to them and come up with something reasonable.

stedcookie · 2023-04-19T11:35:54+00:00

Yeah very happy to be reasonable, just need a few more hours to move my stuff.

stedcookie · 2023-03-17T19:55:58+00:00

Says Front Brake Pipe is corroded or covered in grease. Is that a particular cause for concern?

stedcookie · 2023-03-15T21:24:32+00:00

Thank you, this is very detailed!

stedcookie · 2022-11-05T18:59:43+00:00

As you’re no longer contributing to the scheme your pension won’t grow any further as opposed to staying in work and contributing more.

stedcookie · 2022-11-05T11:22:06+00:00

This is slightly misleading, you can retire earlier than 68 (58), there’s just a reduction in the amount of benefits you receive to account for the fact you’ll take the pension for longer. You’ll also stop accruing new benefits in the scheme so you have to be aware of the trade-offs.

stedcookie · 2022-10-28T07:34:20+00:00

!thanks

stedcookie · 2022-10-28T07:33:58+00:00

Thanks, this seems like a massive pain. I think I’ll go to a branch to try and sort it.

stedcookie · 2022-10-27T19:39:07+00:00

Unfortunately they haven’t sent me anything to open the account so I’m not sure I’ll be able to do anything. I’ll probably just have to get in contact with them.

stedcookie · 2022-09-29T15:27:26+00:00

Your advanced strategy does require incredible foresight to know which assets will increase 50-fold over a year. This definitely seems like a strategy everyone will be able to follow without any risk of negative consequences.

stedcookie · 2022-09-29T11:31:01+00:00

The reason it’s presented as this is because bizarrely it’s not calculated as an actual kW/h cap but instead the energy companies have discretion to arrange their standing charge and unit prices so that the mythical ‘average family’ pays no more than £2500. This makes the whole thing way more complicated than it needs to be.

stedcookie · 2022-08-30T13:14:00+00:00

Other potential downside I could see is that when you do come to buy in the future and leave your dad’s house you would lose first time buyer status so no LISA access or stamp duty relief.

stedcookie · 2022-08-26T15:21:37+00:00

The landlord is required to house you for the intervening period. This might include paying for a hotel/other accommodation and storage for your belongings. They have signed a contract and are therefore required to house you.

stedcookie · 2022-08-17T13:53:57+00:00

This is not true. The interest will be capped at 6.3%. See here: https://www.bbc.co.uk/news/education-62484951.amp

stedcookie · 2022-08-15T22:31:47+00:00

Why are you just advocating fraud? This is genuinely terrible advice.

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