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Cupcakes

Member since Jul 2008 • Last active Apr 2019

Most recent activity

  • in Rides & Races
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    The DR was fantastic. I did the 130, single speed. Rolled on my pompetamine with 650b*42 WTB Resolutes.

    Bike was great. I finished. I enjoyed it. But I am still shattered and it's over a week later!

    Must have met a few of you during the ride. (Not counting @Eamesy and @mostly_by_bike)

  • in Miscellaneous and Meaningless
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    @essdi @Constable_Savage thanks, to be on the safe side I've done both!

  • in Miscellaneous and Meaningless
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    Spotted the back part of a moped (with number plate) on the bike path on the way home. Is this a report to police non-emergency (suspected theft) or report to council (flytipping)?

  • in Miscellaneous and Meaningless
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    @tommmmmmm @Howard @aggi

    Thanks, just the sort of thing I needed to get me started on thinking and researching.

    We live in Scotland so things are slightly different (no stamp duty, it's LBTT here). What I'm considering appears to be a transfer of mortgage debt and a gift of equity. It would appear that the transferred share of mortgage is below the LBTT threshold so doesn't incur a charge but still must be reported.

    Fiancée doesn't own property so no issues there.

    I'm considering remortgaging because there are much better deals available than we currently have (the property having gained value thus my equity having increased).

  • in Miscellaneous and Meaningless
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    I have two years left on a 5 year fixed mortgage and am considering remortgaging to add my fiancée to the mortgage. This would also give us financial stability over the next few years and I may change my job in that time, or we might start a family. Worth doing this before we get married, or after? I suspect I should get "proper" advice albeit not sure whom to approach. IFA? Mortgage broker? Google?

  • in Current Projects
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    Out on East Lothians's finest gravel, the Pencaitland Railway.

  • in Current Projects
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    Your 631 equilibrium is in good hands :)

  • in Bikes & Bits
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    Did try, sadly no mileage

  • in Bikes & Bits
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    Yes!

  • in Bikes & Bits
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    Yes

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