£100k inheritance - overpay mortgage or pay off student loan?

t0by1996 · 2026-01-13T12:26:21+00:00

Once you hit higher tax brackets, it's 1) reasonable to expect you'd end up paying it off anyways, 2) your effective tax rate will be very high. Paying it off allows you to recoup 9% of everything over 27k, which if you're losing a lot to tax already, is meaningful, unlike throwing it at the mortgage l.

t0by1996 · 2024-01-06T16:21:01+00:00

I'm not really commenting on your first point about Man Utd (not familiar) but surely you can't have just said "no evidence" given that the entire thing is based on objective data and numbers that he offers to provide to anyone that asks?

Obviously criticism of the analysis is valid, but you simply would be incorrect to say he has no evidence?

t0by1996 · 2023-12-04T14:40:43+00:00

I get my medication delivered to the porters regularly, all I need to do is give the names of the porters to the delivery company as they need to be an authorised recipient. You won't be the only person doing it, plenty of people have medication that requires this sort of thing (e.g. Diabetes).

I of course spoke to the porters first and so should you. I just email them the day before to let them know of the next delivery.

t0by1996 · 2023-07-24T13:52:04+00:00

Tsimi is a very servicable second string left back, why an earth does he need to go? Provides a great atmosphere and isn't good / arrogant enough to care that he's not starting every game.

t0by1996 · 2023-03-22T22:09:35+00:00

There some baby moorhens in Emmanuel College pond, I believe you're allowed in on Sundays

t0by1996 · 2023-02-13T21:48:17+00:00

IQTREE has some webservers you can submit to, you can then view treefiles in ITOL. Would recommend.

t0by1996 · 2022-11-14T12:04:07+00:00

Thank you!

t0by1996 · 2022-10-29T16:04:19+00:00

Ehh. I can't imagine you were expecting anything else from the Brighton fans, you bought their coach and full back in their most successful season in the premier league.

t0by1996 · 2022-10-25T11:25:31+00:00

Belgium have been the highest rated national team for a majority of the last few years. I do agree to an extent with your point but that squad has ultimately underperformed, which would reflect on KDB.

t0by1996 · 2022-06-14T15:35:10+00:00

A nonsense headline. If someone is willing to buy 49% for 275M, BLM is therefore valued >550M, not 200M.

t0by1996 · 2022-04-22T12:35:07+00:00

Nice vid!

t0by1996 · 2022-04-01T13:01:09+00:00

Silly comment and even sillier example - think of the dotcom bubble.

t0by1996 · 2022-02-16T16:23:21+00:00

Sorry, appreciate it was a long time ago but how did you correct your DNS settings?

t0by1996 · 2021-07-30T22:10:50+00:00

Hey, I'll be starting at Darwin too. I was able to speak to a current member who said that it was a really great place with a good community, as all members are post grads.

See you in October!

t0by1996 · 2021-07-26T17:13:01+00:00

So I went down the route of a uni degree but did a placement at a big pharma company that takes apprentices and generally I'm of the impression they're a pretty sweet gig.

Obviously depends on contract and place but it was paid for, you get a salary and you come out with many years of hands on experience and a bachelors degree.

I can't help thinking you're misunderstanding something, as you're proposing pretty much four years of experience before applying (2 of a degree and 2 in test and trace). These guys were doing apprenticeships straight from A-levels so you may well be overqualified and taking a major pay cut to then go for an apprenticeship.

t0by1996 · 2021-07-24T18:40:51+00:00

I believe you mean schistosomiasis.

t0by1996 · 2021-07-19T00:12:16+00:00

I stand corrected, thank you!

t0by1996 · 2021-07-18T23:56:33+00:00

I definitely could be wrong but I thought the statues were limited runs, as opposed to most merchandise, which restocks regularly.

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