A_P

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Everything posted by A_P

  1. A_P

    My kind of pub

    Only place I've ever sent food back. Used to be so good back in the day! Noted, will put this down as a place to try when I'm in the area
  2. Thought as much. I can imagine the salesman lick their lips when they see the clientele walking in and start waiving the mobility pass around.
  3. So when I went car shoping is this why I saw Mobility plastered everywhere in the dealers?
  4. I did think that would be the case but have read conflicting information. Even still think it's a no brainer to salary sacrifice down to min wage if one can afford to do it.
  5. In your instance I think this is where VCT's come into play. For the remainder that can't be salary sacrificed putting it into a VCT would get you 30% tax relief rather than the 25% and can access it in five years. I was a little disappointed to read it wasn't possible to salary sacrifice below minimum wage as I wanted to go down tho the lower threshold for NI. £9k a year or whatever it is to get the stamp but not actually pay any NI.
  6. But how did the mythical mum get the children in the first place? Where is the dad in all of this? Maintanance? Life insurance policy? No house equity from the divorce? No employer pension contriubtions? Given she's a big earner I'm sure she has options to reduce the exaggerated costs in places. Perhaps look to get a stay at home toyboy to look after the kids Ultimately anything above that £50k she really needs to find a way to tuck it way, so much is wasted. I bet that employer of hers would allow her salary sacrifice
  7. Let's see it then. Although I'm sure I'll be able to get a used XYZ in whatever colour i like for slightly more or less
  8. Great....buy a used harley in black then
  9. £5500 +-£200 depending on colour scheme
  10. I'm liking the look of the Royal Enfield Interceptor 650, the price is incredible for a new bike. Only down side looks to be the maintanance schedule. Could be a good one for @UmBongo
  11. Not like you to be part of the skinflintarati. Surprised you don't have a direct hookup with the tyre manufacturers and get a red carpet factory tour with each purchase
  12. It's great for boosting figures though
  13. Why is she on the kitchen counter top? Not very hygienic As Bedrag would say....nice tits
  14. A_P

    Northern Ireland

    You are right, your outlay will increase as will your responbilities. But you are paying towards the capital where as renting you're not. Early you could direct more salary to overpaying it and once the capital is reduced further the interest is a fraction. There will always be pro's to cons to owning/renting, living in the city or out of it. Personally I like ot pop into Belfast (or any other big town/city for that matter) occasionally but one day is enough for me. I prefer to be further out but close enough should I need. I don't think you really know how lucky you are to have places like Holywood/Helen's Bay etc on your doorstep at those prices. People in the SE would bite your hand off for that (except for the shit weather ) and have that kind of commute. I expect there are a number of people commuting to the mainland from Belfast/Holywood area. I dropped the Mrs off yesterday at the airport in ten minutes, she was at the gate five minutes later. Play around with this calculator and I'm sure you'll find a scenario that suits you https://www.drcalculator.com/mortgage/ We are going with a 30% deposit, 5 year fix. Although we could have bought the house outright (its a modest one) I see no point to be that much in the local ecom. Plan to overpay and review in 5 years time to see where we go from there. If we do intend to stay here forever then will likely move for a sea/hollywood view, rather than a five to ten minute drive for one .
  15. A_P

    Northern Ireland

    The sums I did a 10 year fix do not make sense with the position you are in. The best 10 year fix I recently saw was FD on at 2.40, verus a 5 year fix at 1.74% I don't think it really pays to go over 40% deposit as that's the best rate you'll get. <2% interest versus 5%+ elsewhere invested. Obviously depends how risk adverse one is, but your job pays well and allows you keep a lot of the cash to be used elsewhere while having spare salary to chip away at the capital.
  16. A_P

    Northern Ireland

    But why would you buy the property outright? You have £200k (iirc) and you would be a right ejit to stick that all into the local property market. Try your sums and mental wellbeing with say, using a bit of healty and manageable leverage. Lets say 25-30% deposit to secure 2% for five years. You could have a property paid off ( should you wish to with overpayments) by the time fix comes up.....hpi is what 5%+ a year here atm. Stick the remaining in a balanced portfolio netting you 5% after inflation. Just to add, not saying the above is right, just another way to look at something. Also I don;t blame you for renting in the situation you are. But then why do you keep looking to buy, why are you struggling with your position as a renter?
  17. A_P

    Northern Ireland

    What's the point of bringing them in if they're not going to bother to honouring them. @JoeDavola That bangor road house has been listed since 2016, so that road noise must be a big problem, or perhaps other issues
  18. Was that the one where he had Frankie on? I'd be interested to his opinion now.....given that he has been headlining a number of tv shows....
  19. On Kraken you can buy xrp and a lot of other coins in usd or euros. Not sure why they don't really deal in gbp, I guess it's a volume thing. Because of fees and speed you'll probably find other coins like litecoin are the ones used to move around
  20. A_P

    Northern Ireland

    That Bangor road one won't sell because of the road noise. So if you can put up with it I'm sure you could get a little discount
  21. A_P

    Northern Ireland

    Walking distance to Marino station https://www.propertynews.com/property-for-sale/holywood/semi-detached-type/bangor+road/property/ECHECH26420/ Walking distance to Holywood station https://www.propertynews.com/property-for-sale/holywood/terrace-type/kinnegar+drive/property/JMHJMH17657/
  22. A_P

    Northern Ireland

    The irony if you had bought you're chasing would likely have been easier. Myself not buying in 2012 in the se cost me a bit too. I likely could have bought here with the equity and hpi and had money left over with no mortgage
  23. A_P

    Northern Ireland

    It's pretty much the same as Belfast as it has the highest proportion of transactions. Here is the data for Belfast though