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damn. wish I had seen this earlier.

I didnt know George Osbourne rode bicyclez

bit of a long shot, is there anywhere I can find skechers back catalogue? trying to show a colleague some of the rad shoes they used to produce

When I was younger I was always throwing sickies but not always using all my annual leave up. At some point I just stopped and I dont really miss it. I dont know why I dont, I guess I have never thought about it in detail.

I would love to get involved in these kind of frontier cutting edge things and eventually would probably understand it if I put some time into looking at it but I am only starting out on saving a deposit for a house so the funds I have aren't actually surplus. booooooooo

im interested in those numbers but I dont even know what a blockchain project is so I should probably steer well clear of that

@stevo_com that just says disbursements not exceeding £400 no? its legal fees which includes vat+ disbursements which wont exceed £400

disbursements are typically land registry searches, telephone calls, faxes, photocopying etc

yeah ill keep an eye on the market for the cash ones but the main difference is that with a LISA i can put more in per year as well.

ill just keep monitoring I guess and opening multiple savings accounts and building my pots up

aha. This:
*

But Lady Altmann worries that young people who open one for any reason
other than the short-term goal of buying a home will blight their
finances for their whole lives

*.
from:
http://www.thisismoney.co.uk/money/pensions/article-4383104/ROS-ALTMANN-Lifetime-Isas-abandoned.html

is a bit more positive for my direct situation. now just got to get onto Nutmeg or HL to find out more detail about their specific products.

so its 6th April when the new lifetime ISA's are due to open so I thought I would have a look around at the various products out there.

This:
http://www.telegraph.co.uk/news/2017/04/05/lifetime-isa-chaos-fees-could-leave-savers-60k-worse-pensions/

makes slightly worrying reading. only 3 being offered so far.

^if I hadn't heard the same story I would have read this and thought 'oh now they're just being silly, its a joke thread'

but its real and you're not.

yeah I am awaiting the lifetime Isa's to go live over the next week so I can switch my help to buy Isa into it. I think the only thing I dont like about them is like the regular savers, they will have a maximum contribution per month.

Thanks for the tip. I guess I was looking for a bit of validation that i was doing the right thing/not missing an easy trick and also a slight frustration that realistically even with 2/3 regular savers accounts with ok % in, I will still have extra money each month that will just sit in an easy saver earning pittance. I guess I could open even more accounts...

Finally I am at the point where I can begin saving for mortgage. I have about £5k spread in a couple of places already including a help to buy ISA and I'm able to put away circa 5-700 per month. house prices being what they are that likely going to mean 2/3 years of saving regularly and whacking away anything extra that I can to achieve it.

any thoughts on what I should do with this expanding balance in that time? I have a couple of regular savings accounts, 1 TSB, 1 Halifax and in the process of opening one with first direct too. but I can only put a certain amount into those together per month and the returns (first Direct aside) at 2%, 3% and 5% respectively aren't the most eye popping.

not averse to a bit of risk for good reward. I have been contacted by this Nigerian prince who needs help....

Thoughts?

So, North Korea it is.

ill be honest, I was expecting somewhere middle eastern but North Korea was always an outside chance. should have held a sweepstake

http://www.bbc.com/news/world-us-canada-39475178

@Bad_Science thats a damned solid counter argument right there.

so, what? because the cycle lane was painted and not a physical kerb/barrier the driver was able to kill people? He is aware that paths traditionally have kerbs, no? does he want railings everywhere?

I have to say this thread has been amazing to read through. much positivity. such wow.

I typed out a long spiel about my current situation and then deleted it. I am financially comfortable and beginning to save for a deposit for a place after 17 years of being broke, living month to month and paying for previous bad life decisions. My job 5 months ago was stagnated after 7 years and I wasn't enjoying it. I finally got a job in the parent comp[any of the one I was in and although its still financial services I went from wealth management finance team to bank finance team. It made a big difference for me. I am mostly out of my comfort zone about 70% of the day and learning all the time. My employer is swedish and both my GF and I wanted to move there even before my old company were bought out. So plans are afoot and things are moving.

Switching to a new department/area within the same company has given me a big kick of enthusiasm for what I do.

@Invent have you considered staying in the medical profession but switching to something like training? training the next generation? or even just getting into medical education as a whole? It could still provide the helping others part but with generally less life and death stress. this is my partners field and she comes home excited every day babbling about this stuff all the time.

buyer - "It's too small." "There's not enough bedrooms" "There's only one bathroom"

Me - am i forcing you to buy it? you want it, you pay for it.

its quite likely I am going to be saving for at least a year. I can utilise the £200 a month allowable payment into a help to buy isa but the rest of the available cash I can save is useless adding to that at 2% when I can put it into one or two regular saver accounts with First direct +another for example paying 5% (but maximum monthly deposit of £300). im trying to maximise the interest as quickly as possible. Before I approach any lenders, I will then consolidate the savings all into one place in order to make life easier.

oh, thats a good question. I will check and if not revert to paper. also my daily banking is fragmented across multiple banks. I should probably look at consolidating them, unfortunately my employer insists on paying my salary into one of their accounts so I have to transfer everything out of those.

oooh good point. need to get that open for this tax year.

all my bank statements are paperless so I should be able to start downloading them now in readyness. disclaimer: I work for a bank but its one that isnt helpful with regard to mortgages that dont have 25% or more deposit so I will have to look elsewhere probably.

Instead of selling it and buying a new place you mean?

trouble is in my current area, there is a distinct lack of shared ownership sites. a few are coming up and I am on their email list.

So I am at a starting point, I have cleared all debt, have about £5k deposit already that I can add about £700 to each month if i rein in a bit of silly luxury spending in order to up my deposit. I want to buy (not London, Kent) does anyone have any advice or tips for doing so?

I want to get my foot on the ladder so am not adverse to starter homes, part buy part rent, flats, a bit of doer-uppers etc. point is I need to get on the ladder and stop paying rent.

or "what did you all do at this point and what would you do differently with hindsight?"

oh wow.

My partner and I were planning to move there anyway but brexit looks to be speeding up the timeline for it.