Avatar for TW

TW

Member since Jul 2012 • Last active May 2019

Most recent activity

  • in Rides & Races
    Avatar for TW

    Thought about joining the local tri club, to join in some group track & swim sessions

    £330 annual fee? That's almost seven times more expensive than my previous club.

    Get. To. Fuck.

    • 94 comments
    • 8,361 views
  • in Current Projects
    Avatar for TW

    You have just dug a giant cat toilet though

  • in Miscellaneous and Meaningless
    Avatar for TW

    Instead he conceded a fucking referendum. Stupid fucking Liberals.

    The campaigning was weak - Even people that knew what was being proposed were confused by the explanations.

    For most, the perception was that you were going to be forced to vote for someone that you did not want.

  • in Miscellaneous and Meaningless
    Avatar for TW

    A lot of lenders will have the fees included, particularly if you are transferring with the same lender.

  • Avatar for TW

    That said - there is utility value to consider - just the availability of £125k is worth something.

  • Avatar for TW

    Offset mortgage ?

    Making the assumption that you can earn a (relatively) risk free return on your £125k that is comparable to the interest being charged:

    You would end up paying zero interest on £125k of the loan.

    But also earning zero interest.

  • in Miscellaneous and Meaningless
    Avatar for TW

    Any reason not to do option 2?

    As others have stated, the risk premium you would have to pay to earn above the rate being charged to you by mortgage lenders massively outweighs any gains.

    it seems better to have 125k and owe 500k rather than have 0 and owe 375k

    Until you add a risk weighting to your asset valuation

  • in Current Projects
    Avatar for TW

    How's the roof looking

    Pretty good!

    The plants I put in back in March have exploded, and even the cuttings have grwon a large amount.

    I've added a few more succulents that we lying around, and they're also doing well.

    I'm hoping that by the end of Summer, the whole thing will be covered.

    Cat for scale.

  • in Miscellaneous and Meaningless
    Avatar for TW

    Does 'politician'/donation money buy that sort of house?

    Reading the Wikipedia page on him, it looks as though various fascist / far right groups basically give him money to be a shitty human.

Actions