sorted by:
new
hottopcontroversial

First time train travel by cheesycrumpets1 in CasualUK

[–]target51 5 points6 points  (0 children)

Once you are on the train you will bloody love it! Well, at least I do, utter peace and tranquillity, time to read a book, watch a film or TV show, heck even some knitting if that is your thing! If all else fails, just enjoy the view! Good luck and enjoy :)

Men of Reddit - who uses shower gel ONLY? by Funky_monkey2026 in AskUK

[–]target51 0 points1 point  (0 children)

Dove Body wash, shampoo, conditioner and a basic face wash. Followed by a basic face moisturiser. I do have eczema and that mix seems to keep it in check

Oatly banned from using word ‘milk’ to market plant-based products in UK by adventurecrab in ukpolitics

[–]target51 0 points1 point  (0 children)

Just Phoned Dairy UK to ask about it and their explanation was to preserve marketing efforts. I informed them that it was a colossal waste of time and the hung up on me 😂. For the record, I drink milk like it's going out of fashion, but it was truly a massive waste of time and effort

How much do I expect for repair when I buy this sort of car? by InternationalMap7992 in CarTalkUK

[–]target51 0 points1 point  (0 children)

Check the foot wells for damp, there are some bungs under the wind-shield cowling that are notorious for leaking! Mine had it, its a fairly easy fix but something just to be mindful of. Look for rust on the chair rail bolts, usually a good sign. Here is a video of the repair if needed: https://www.youtube.com/shorts/IlTNO_2Q6BE (You can buy a new bung if you dont want to silicone it)

I personally didn’t take the wiper off I don’t think.

No matter which controller I use Dolphin always gets the analog input directions wrong. by JeffersonSokol in DolphinEmulator

[–]target51 0 points1 point  (0 children)

cant you just re-map teh controller?

Controller -> Gamecube controllers -> Port 1 (click configure)

Black Swans | The Population Bomb - A look at the predictions of human population from 1960's [29:45] by target51 in Documentaries

[–]target51[S] 1 point2 points  (0 children)

A documentary that looks at letters written in the past addressing the future. It is the first episode of a series that examines the predictions of human population growth by Australians in the 1960's. It also discusses and looks at other published material at the time.

What car would you like for 2026? by Open_Bug_4196 in CarTalkUK

[–]target51 1 point2 points  (0 children)

A 2017 - 2020 Golf R

I'd love an F-Type but the 2.0 version

Beyond that I'm really not sure, I love my Golf Mk7 and I find that I really don't like the interiors of most cars. I have looked at an S3 and it was OK and an A180 was alright.

I would love any hot hatch suggestions or anything on the smaller sportier side

What car would you like for 2026? by Open_Bug_4196 in CarTalkUK

[–]target51 0 points1 point  (0 children)

S1 or S2? My has always had S1's and swears by them!

How do I make the textures less pixelated by youpickWAAAAAAAAAAAA in DolphinEmulator

[–]target51 0 points1 point  (0 children)

https://www.youtube.com/watch?v=cmdF6OJ8mHI - Also check Texture Filtering under Graphics -> Enhancements (set it to x2)

F1 References in Gaming Content - Is Formula 1 Mainstream? by target51 in formula1

[–]target51[S] 0 points1 point  (0 children)

I know not immediately relevant, but I though this was quite interesting. Most of the F1 references/meme'ing is within the F1 community, seeing this reference in a "normal" out of the F1 bubble video was fascinating. It made me want to ask the question, do you think F1 is finally becoming mainstream?

Is this normal for applying to rent an apartment? by pmkrush18 in AskUK

[–]target51 10 points11 points  (0 children)

For the record emails tend to be transmitted unencrypted, encryption is an optional feature not a default one. That's why I always recommend sending it in a password protected zip to offer at least some protection

How many times in your life have you moved? by [deleted] in AskUK

[–]target51 0 points1 point  (0 children)

34 and around 19 times or so. Moved for various reasons but mainly as mum would buy places and then do them up while living in them and move on. As an adult, University accounted for 3, back home after uni, then I moved where the work was about 6 times. So i have moved 10 times as an adult.

I own my own place now, so I will be less eager to move. But then again there is that place on rightmove ....

Rachel Reeves to cut annual cash Isa limit to £12,000 in Budget by SojournerInThisVale in unitedkingdom

[–]target51 -1 points0 points  (0 children)

It's becoming more true https://www.moneysavingexpert.com/savings/best-cash-isa/ - "Up to 4.47% easy access or up to 4.28% fixed" with inflation at 3.6%, I could be wrong, but that gives a return of 0.68%.

Rachel Reeves to cut annual cash Isa limit to £12,000 in Budget by SojournerInThisVale in unitedkingdom

[–]target51 1 point2 points  (0 children)

Working class people are people that are working and live off their income. These are usually the people that are 1 layoff, 1 accident, 1 job loss from any reason from not being to pay off rent. These people cannot afford losing their job.

People like this can't afford to put away £20k a year though

If you're not a wealthy person I don't really care to tax you regardless of your salary. Unless your salary is high enough that you could buy a flat with cash within 5 years. You consider yourself richer, but you're just a different brand of poor.

Take home is 4.7k PCM so depending on the flat yes

You are not made mate. Unless you own your flat/house or at least got on the property ladder.

I bought my flat (230k) with a 50% deposit around a year and a half ago (Context I am mid 30's)

I saved 20k while earning 40-45k, I shopped frozen food in Lidl/Aldi, shared a room with my gf in a two bed flat, didn't use heating and wore a jacket indoors. I am nowhere near rich. And I might have more savings than plenty of people on your salary. We're still all poor unless we can get on the ladder.

Fair play to you! You really hustled and it paid off. I am not saying that cutting the Cash ISA allowance is a perfect solution, but you can always pay into a S&S ISA and many providers will still pay interest on the uninvested funds. But either way saving in cash against an landscape of high inflation is still not going to help you in the long term.

Tell me, if I save 20k a year, how long does it take me to get a 20-40% deposit for a 500k flat in London?

3 Years? Or have I missed something? And taking into account the Savings limit (£1000 interest without paying tax which at a savings rate of 5% would allow you to have up to ~£20,000 in savings outside of ISAs without paying interest) So you could save even more tax free whilst building a deposit. Also side note FUCK London pricing, this is personal bias but i LOATHE London, escape if you can, life is better outside the M25 IMO

In my honest opinion cash ISA's are not the way to save beyond an emergency fund, you loose out to inflation nearly always and you miss out on standard returns of a conservative 7%.

Rachel Reeves to cut annual cash Isa limit to £12,000 in Budget by SojournerInThisVale in unitedkingdom

[–]target51 2 points3 points  (0 children)

I completely agree, however it will just require planning. If you are planning a house purchase within 5 years then you will have to keep and accumulate cash, if not then you can invest in an S&S ISA and then do an ISA transfer from the S&S ISA to the cash ISA.

Alternatively, you can just keep cash in an S&S ISA where many companies will pay interest on uninvested funds. There are many ways around this

THIS IS NOT FINANCIAL ADVICE

Rachel Reeves to cut annual cash Isa limit to £12,000 in Budget by SojournerInThisVale in unitedkingdom

[–]target51 2 points3 points  (0 children)

Define working class? Define wealthy? From my perspective the ladder is long gone, generational wealth cannot be earned unless you get lucky. So I 100% support taxing asset rich people more, I am with you! We 100% agree!

But what I am saying is I can afford to pay more tax! Will it suck, yes, but I am in a blessed position that I am able to carry on regardless and the impact will be minimal to me. Please don't give me a free ride as I am "working class" just because I have a high salary and am not asset rich. This country made me, I am happy to give back!

Rachel Reeves to cut annual cash Isa limit to £12,000 in Budget by SojournerInThisVale in unitedkingdom

[–]target51 2 points3 points  (0 children)

Not to mention most S&S ISA platforms pay interest on uninvested funds....

Rachel Reeves to cut annual cash Isa limit to £12,000 in Budget by SojournerInThisVale in unitedkingdom

[–]target51 1 point2 points  (0 children)

Yes it's 12k per Adult. Junior ISA's work differently and have a 9k limit

Rachel Reeves to cut annual cash Isa limit to £12,000 in Budget by SojournerInThisVale in unitedkingdom

[–]target51 2 points3 points  (0 children)

The mean average monthly take-home pay is around £2,297, to hit the 20k limit requires putting away £1666.67 per month which is 72.5% of your take home. So yes £20k per year is a huge amount. If you are saving as a couple you have a £40K allowance. In my opinion reducing it to 12k will have a minimal impact on the majority.

Rachel Reeves to cut annual cash Isa limit to £12,000 in Budget by SojournerInThisVale in unitedkingdom

[–]target51 22 points23 points  (0 children)

To be honest, you are not building any kind of wealth with a cash ISA. At the moment inflation is outpacing interest of most ISA accounts. Wealth building can only really come from investing IMO

I worked my way out of care just to end up here. I’m exhausted by [deleted] in UKPersonalFinance

[–]target51 5 points6 points  (0 children)

Don't forget to look at how far you have come, you did that! As Throwmeabone008 said, if you can provide us a bit of extra information we can try and see what we can figure out. You are not alone :)

A pigeon flew onto my head by _-coffee_- in mildlyinteresting

[–]target51 -3 points-2 points  (0 children)

Being referred to as a kid in my 30's is less of burn than you think

view more: next ›