Hedgecutter

Interesting. I wonder if this is why Dave Ramsay & chums are such staunch advocators of paying off the mortgage early, because of a different system.

Correct. Personally, I've got almost all of an overpayment allowance left for 23/24 and a bit of cash sitting in a fixed cash ISA. Starting to get a pressing issue now as the cut-off date for charge-free overpayments approaches.

As in, why pay April 2037's £330 mortgage bill now when you can pay it in 2037 for what might be the price of a Freddo? ETA: then again, if that's the case, one might then regret having invested £50k long term when all it might do is buy you a box of Freddos. Basically, would inflation not affect the savings and mortgage payments equally, ie. just cancel out any inflation issue?

Something I'm struggling to get my head around because I feel like an utter thicko whenever complex sums are involved: Background: I'm in a situation whereby I stopped overpayments on a 1.9% mortgage because I'm getting 5.5% in a cash ISA instead, i.e. more made in ISA interest than mortgage interest saved. I'm now reconsidering this approach as my fixed rate will soon match the savings rate. My initial reaction would be to say "there's no difference, may as well keep it in the ISA to add to the rainy day fund rather than tie it up in bricks & mortar". However, and this is the main question: is there another significant facet to what's potentially/probably an oversimplified argument, particularly in a situation where I'd put what-was the monthly mortgage money into savings? For simplicity sake, let's say the most extreme overpayment by completely paying off a 50k outstanding mortgage balance today. Option A: pay a 5% mortgage as normal at ~£330pm for 20yrs (taking a £29k interest hit in the process), overpay nothing, and instead stick the 50k into a 5% savings account for 20 years: £85k gain through savings interest - £29k mortgage fees = up £56k Option B: Use the 50k to wipe out the mortgage. Stick the £330 into a savings account every month for 20 years = up £56k, minus ERC. What's missing here? (other than an appreciation that 5% savings account might not be around for the next 20 years)

'Jim' has entered the conversation:

Overly fancy and stupid job role descriptions. 'Principal's who aren't even the lead member of their team, with multiple of them. That and teams with five 'leads' where the name lead simply means 'not a graduate', etc etc.

It's all fine and well hitting six past Strathspey, but when you're losing to the Broch, Formartine, Buckie, and failing to score against Bo'D at home, then you have to question the ability of this guy to be remotely competitive in the promotion playoffs should we scrape our way there. At risk of sounding arrogant / entitled, there's little point in winning the league if we'd just be rolled over in the playoffs by EK (never mind Clyde), so I can't see the point in persevering with a mediocre setup. Problem now is that it'll be difficult to judge if there'll be improvement when playing lower end of the table teams like Keith this coming weekend. That said, Keith are above Buckie-beating Clach.

Just clocked that I can significantly increase my darts score by just aiming for the 1 instead of the 20. Turns 26 points into 39.

When all you want to do is turn the TV on and you're met with this: Or just anybody's TV setup which involves two or more controllers. The pictured one is an overcomplicated sound system that lets people in Tristan da Cunha hear any music or explosions should you dare turn up the volume to hear what the characters are saying.

Gordon Morrison the ref too. You can imagine the Buckie fans' tears and snotters over that one.

Oh my. Scenes? @welshbairn

Well, there's two phrases I never thought I'd see paired together.

Think I said this in another thread recently, but I once saw a woman buying nothing but a cucumber and a packet of condoms at SavaCentre, Edinburgh (whilst I was backgpacking). Fair play to her for not feeling the need to buy anything else.

I would have got fed up of packing bags every few days tbh, unless I was to have double of numerous things in two houses? Lumping all my school stuff from house to house in particular, or only having access to some of it at any given time for example. Want to play on the (then) Sega on a Thursday? Tough, wait until you're back at the Sega house on Sunday, etc. At least all that alternate weekends involves is packing a change of clothes & whatever electronic device one uses. Maybe it's a chore they just get used to (like doing the dishes or whatever), but without trying to be critical here, the whole split home setup just strikes me as something that's done for the parents' benefit at the expense of the kids' tbh. Everyone's different of course, but I would have far preferred the alternative weekend thing (which we had) rather than a split week. Hopefully you don't need to deal with the tedious "you owe me a day" thing should the kids stay at a family member's / go to a Scout camp / Whatever for a full Sat-Sun spell. *can one have multiple homes? Is it important to have a home? Who knows.

Aye, Elgin. Not exactly Stenny or Peterhead in that league, are they.

I really can't stress this enough. Hopefully not too much of a tangent here, but I got caught up in the middle of the aforementioned sh*t-flinging as a kid (being the messenger for various things, getting interrogated for info upon returning from weekends, etc) and all that happened is that I lost respect for both parents, more and more so looking back at it all as an adult. Long story short: don't involve the kids; it doesn't end well for anybody.

28 years on from their messy divorce and I still get uncomfortable when my parents are in the same country as each other, never mind the same street. The earlier comment about people changing their tune post-divorce is bang on in their case. You'd like to think that adults could act like adults (little things like not driving away with the other hanging out the car window after trying to get in the others face in front of the kids), but some folk can't help but end up in a sh*t-flinging contest that you'd expect from a playground. That's not a tongue-in-cheek comment btw. Only different hemispheres will do, which is thankfully ~90% of the time.

That or one of my conference posters that I sent to the plotter the wrong size.

"Let's get the holiday started early..." to add some 'fun' to an otherwise tedious day of travel. Some people just don't know when to stop though. ETA: you could extend this to any night out tbf where there's a culture where drink beyond the Chief Medical Officer's recommendation is seen as the fun thing to do. Same thing, just later in the day.

I assumed this story from Montrose would have been posted up already, but seems to have gone under the radar: https://www.thescottishsun.co.uk/tvandshowbiz/11984613/coronation-street-flashed-boobs-booze-fuelled-chaos/

I'm working with somebody who's always referring to their kid called Destiny, which has to be in the NED Name Premier League imo. Adopted from Northfield tbf.

Taking one for the league. A one horse race for both the champion and relegation spots would just be boring for everybody.

Seeing that on-loan Cardiff Academy Player of the Year Benjamin got hooked at HT. Comes with a 30 day full refund guarantee hopefully.

Tis but a scratch