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duncs

Member since Aug 2009 • Last active Apr 2021

Most recent activity

  • in Miscellaneous and Meaningless
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    Yes please. Will PM

  • in Miscellaneous and Meaningless
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    I had it the other way around. My old mortgage was showing as closed, but my new one hadn't appeared yet. Sadly a rather significant wedge of cash hasn't appeared from the ether and things tidied up a few days later.

  • in Miscellaneous and Meaningless
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    NAS and NUC?

  • in Miscellaneous and Meaningless
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    I have the mini. Girlfriend has prev gen pro. We both prefer the mini. Much quieter and because it's a lot smaller then probably easier to use than the adjustable head on the pro version.

  • in Miscellaneous and Meaningless
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    Oh yes. She did 🤦♂️

    And all she got was a small clap after from a few people before they realised.

  • in Miscellaneous and Meaningless
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    Watched a clubmate just sneak under 16mins as she clocked 15:59.8.

    And a British women’s 5k record for Beth Potter too, beating Paula Radcliffe’s time. Not bad for a triathlete ;)

  • in Miscellaneous and Meaningless
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    Yep, I think if you’re disciplined enough to actually save the difference then it makes sense

  • in Miscellaneous and Meaningless
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    People on here keep telling me my logic is flawed, but it seems like it’s one of the safest ways to ‘grow’ your money, by not ‘spending’ it on long-term interest.

    It's a bit flawed.

    If you've got the money and you're earmarking it to pay a lump sum later then you may as well overpay as you go. That way you're reducing the interest throughout the term rather than just in chunks every 2/3/5 years.
    This assumes you're allowed some overpayments. Most do allow some.

    If the mortgage is 1.8% then any way of saving that lump sum and earning more than 1.8% (riskier certainly, but historically not too tough to find) would make you more money than you're spending on the extra interest, so even though you'd spend lots on long term interest, you'd earn that plus some more on the investments.

  • in Miscellaneous and Meaningless
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    Same. Charlton Lido reopened on Monday and have managed to nip up at lunchtime for 20mins/1k yesterday and today.
    Bloody marvellous indeed

  • in Miscellaneous and Meaningless
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    Ah, I think I misinterpreted what you meant. Thought you meant the 6min group would stop and wait 3mins for the 9min to arrive, then all set off again. Rather than just a pause for all 6min folk to regroup, then set off.

    Ok, I can see how that would be useful

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