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Gnash

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Everything posted by Gnash

  1. Great streak, my best is 61, currently on 18.
  2. Gimme indeed. #Yeardle #731 https://histordle.com/yeardle/
  3. Yes, my watch is often well over on a run, but well under on a cycle, for some reason. I have forearm monitor which seems to be more accurate.
  4. Well done, but average HR 181?!! Surely that's not right?
  5. #Yeardle #719.04166666667 https://histordle.com/yeardle/ 1 in 8 shot at the end to save.
  6. Interesting, I thought that getting a reminder was required. Now we have Consumer Duty, I think at the very least would be considered as treating customers fairly, although that was only implemented last year.
  7. It doesn't mean that. If someone moves on to the SVR, they are almost certainly paying a much higher rate than they could pay if they shopped around for the best deal. As an example of how this might happen, say someone gets a 5 year fixed rate mortgage when rates are relatively high, so their rate is 5%, while prevailing SVR at the lender is 8%. Over the 5 years, rates come down so they could get 2% on a new 5 year fixed deal. But they stay on the same mortgage and move on to the SVR, where the rate is now 5%. Their monthly payments don't change, but they could be paying a lot less by moving to the new fixed rate deal.
  8. #Yeardle #713.04166666667 https://histordle.com/yeardle/
  9. Interesting question. Assuming you can trust yourself (and anyone else that can access the savings account) not to blow it on a speedboat, I would keep the money in the ISA as it gives you more flexibility to use it for a rainy day. The key would be to see when the rates diverge again and change your approach accordingly. Given that the rates are likely to diverge very soon, possibly by 1%+ in the next year, I wouldn't bother with doing calculations looking out to the next 20 years. You will have made a firm decision long before you get to that point.
  10. It's not expensive at all to pay for a solicitor to draft a separation agreement, probably a £200-300, if that's all they're doing. In other words, if you and your soon-to-be-ex agree on everything and give them that to put into legal language. There are also a few mandatory fees you will have to pay, especially if there is a jointly owned home involved. The real fees crop up when there is disagreement over elements - then you have to go back and forward between the solicitors, they have to make suggestions, discuss them with you, counter proposals from the other side etc. Then it's a case of 'how long is a piece of string'. In my case, my fee was in the region of £2000, and I had feared much worse.
  11. Really hope it works out well for you. Unfortunately, based on my own experience, I can't say that it will. I strongly advise getting legal advice as soon as possible - you are not committing to anything, but they can tell you about things you will not have thought of, and are extremely important. I would also advise considering the worst possible scenario, while still hoping for the best. I had an absolutely grim 8 months living with my wife after she'd said she wanted to separate, roughly equally split between the time to 'official' separation and then the time to me moving out. The evenings after the kids had gone to bed were truly horrible - just ignoring each other in adjoining rooms, except for the regular (and scheduled) battles about how the separation should work legally. At least we had the space in the house to ignore each other though - things would have been 10 times worse if we didn't have a 2nd living room and spare bedroom. I'm 3 years down the line now and despite numerous issues (including legal) post separation, we are now at least civil with each other, and I think we managed to shield the kids from the worst of it. As for me - I'm in a much better place now, compared to those dark, dark days. I've had a bit of fun with dating, although I'm still looking for a long term relationship. Maybe, just maybe, I'm near the start of one at the moment. Again, best wishes, just keep your eyes fully open.
  12. #Yeardle #701.04166666667 https://histordle.com/yeardle/
  13. Yeardle 341, 2/7 by @KveezEN https://kveez.com/en/yeardle/ Bit of a punt on the Michael Jackson question, got lucky.
  14. Did a marathon today for the first time, on my own. Things were going very well in the first third, well ahead of target pace. The second third was ahead of target pace as well, but noticably tougher. The last third was really horrible - much slower and every step was painful. Still got under my target time, but by 5 mins and not the 20 mins that it looked like on the first third. My body is broken now.
  15. Stop saying you threw a monkey into sea! That's just upsetting.
  16. Afraid you have to check your Ts & Cs. Mortgage policies are different between lenders and products, plus can change over time.
  17. Absolutely no apology needed!
  18. I'm considering getting a minor procedure on my face that should improve things a bit. It's something that should make me look a little younger, definitely not 'enhancing' anything. For context I'm a man in his 40s who's dating after separating from my long term partner. Definitely wouldn't be considering this if I wasn't dating, but photo-based dating apps are fúcking brutal.
  19. Most lenders still do interest only, but the bigger lenders have high minimum income requirements, eg £100k for joint mortgage and low maximum loan to value, eg 50% if it's pure interest only. Usually you can top that up with a repayment element.
  20. #Yeardle #661.04166666667 https://histordle.com/yeardle/
  21. As a man who is nothing like that and on a dating app, I think they are on to something TBH.
  22. #Yeardle #630.04166666667 https://histordle.com/yeardle/ Streak ends at 30ish.
  23. Me too, although it brings into question how animals think, given they don't have language. Anyway, my inner monologue is refreshingly foul-mouthed and depraved.
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