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Gnash

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Posts posted by Gnash

    P&b Running Club

    in The General Nonsense Forum

    Posted

    4 minutes ago, Central Belt Caley said:

    Might be using his watches HR monitor which can be notorious for being miles off. 
    The one on my watch had me low 140’s when going for it at parkrun then high 170s on an easy long run. 

    Yes, my watch is often well over on a run, but well under on a cycle, for some reason.  I have forearm monitor which seems to be more accurate.

    0

    P&b Running Club

    in The General Nonsense Forum

    Posted

    1 hour ago, BucksburnDandy said:

    Did the Inverness Half Marathon today. My second half marathon, 12 years, 4 stones, a wife and an 18 month old daughter after the first half marathon.

     

    Definitely didn't set any speed records but I'm more proud of this sub 2 hour today than I was of the 1:31 I did in Glasgow when I was 20. Had some recent hereditary health issues kick in and have asthma now so this was harder but more worthwhile.

     

    Likely be my last, as 10k runs seem a comfortable distance for my body. But the event was well run and the people were just lovely to all runners. Added bonus of an empire biscuit at the end due to a medal f**k up.

     

    Good luck to all doing races this year.

    Screenshot_20240310_204307_Strava.jpg

    Well done, but average HR 181?!!  Surely that's not right?

    0

    House buying, mortgages, insurance, etc

    in The General Nonsense Forum

    Posted

    2 hours ago, throbber said:

    thanks gnash - I didn’t get any reminders from my provider to tell me I was coming out a fixed term and just forgot about it. Neither me or the mrs were very good with our finances back then.

    Interesting, I thought that getting a reminder was required.  Now we have Consumer Duty, I think at the very least would be considered as treating customers fairly, although that was only implemented last year.

    0

    House buying, mortgages, insurance, etc

    in The General Nonsense Forum

    Posted

    11 hours ago, throbber said:

    I take it if you forget to renew and your mortgage goes onto a variable tracker by default and your monthly payments don’t change by much that means you aren’t getting shafted in interest? Asking for a friend obviously. 

    It doesn't mean that.  If someone moves on to the SVR, they are almost certainly paying a much higher rate than they could pay if they shopped around for the best deal.  

    As an example of how this might happen, say someone gets a 5 year fixed rate mortgage when rates are relatively high, so their rate is 5%, while prevailing SVR at the lender is 8%.  Over the 5 years, rates come down so they could get 2% on a new 5 year fixed deal.  But they stay on the same mortgage and move on to the SVR, where the rate is now 5%.  Their monthly payments don't change, but they could be paying a lot less by moving to the new fixed rate deal.

    1

    House buying, mortgages, insurance, etc

    in The General Nonsense Forum

    Posted

    Interesting question.  

    Assuming you can trust yourself (and anyone else that can access the savings account) not to blow it on a speedboat, I would keep the money in the ISA as it gives you more flexibility to use it for a rainy day.  The key would be to see when the rates diverge again and change your approach accordingly.

    Given that the rates are likely to diverge very soon, possibly by 1%+ in the next year, I wouldn't bother with doing calculations looking out to the next 20 years.  You will have made a firm decision long before you get to that point.

    0

    Impending Separation / Living Together Apart

    in The General Nonsense Forum

    Posted

    8 hours ago, Gaz said:

    Hello, so as a few folk have guessed (I've had some messages from folk who know me on here and elsewhere) it is my wife and I who are separating.

    We're doing it as amicably as we can, for the benefit of the kids and ourselves.

    For anyone who's been through, could I ask how much they paid for a separation agreement?

    It's not expensive at all to pay for a solicitor to draft a separation agreement, probably a £200-300, if that's all they're doing.  In other words, if you and your soon-to-be-ex agree on everything and give them that to put into legal language.  There are also a few mandatory fees you will have to pay, especially if there is a jointly owned home involved.

    The real fees crop up when there is disagreement over elements - then you have to go back and forward between the solicitors, they have to make suggestions, discuss them with you, counter proposals from the other side etc.  Then it's a case of 'how long is a piece of string'.  

    In my case, my fee was in the region of £2000, and I had feared much worse.

    1

    Impending Separation / Living Together Apart

    in The General Nonsense Forum

    Posted

    50 minutes ago, Throwaway said:

    Throwaway account for obvious reasons, although I dare say some folk will be able to work out who I am.

    It's looking likely that my wife and I will be separating soon. We've been together nearly 18 years and married nearly 12. We have three kids. Our children have various levels of disabilities and to say we have had a hard marriage would be an understatement. Years of constant fights with councils, schools, health authorities have taken their toll. We're now constantly bickering and arguing with each other, and due to a couple of poor financial decision over the past few years are in a smaller house than we've ever been. We're constantly under each other's feet and making each other miserable. And it's starting to affect the kids, and for both of us that's a deal breaker.

    I guess I'm still a bit hopeful we can work things out - we have before - but I think this time may be it. We've spoken maturely about it and we do still love each other very much, so we are thinking of possibly a Living Together Apart situation may be workable, but we're not sure.

    Plan is that my wife will look to move somewhere else with the kids. I'll continue to stay in our current house and get it ready to go on the market, and then sell it and look to buy myself somewhere suitable for the kids as well. We'll then co-parent and the kids will spend half the week with me and half the week with her.

    I guess I'm just looking for a bit reassurance from anyone who's been through similar that it can work out. We want to remain amicable, and remain friends and continue to do family things together. But it's tough just now as we're both still living in the same house and will be for the forseeable.

    Really hope it works out well for you.

    Unfortunately, based on my own experience, I can't say that it will.  I strongly advise getting legal advice as soon as possible - you are not committing to anything, but they can tell you about things you will not have thought of, and are extremely important.  I would also advise considering the worst possible scenario, while still hoping for the best.

    I had an absolutely grim 8 months living with my wife after she'd said she wanted to separate, roughly equally split between the time to 'official' separation and then the time to me moving out.  The evenings after the kids had gone to bed were truly horrible - just ignoring each other in adjoining rooms, except for the regular (and scheduled) battles about how the separation should work legally.  At least we had the space in the house to ignore each other though - things would have been 10 times worse if we didn't have a 2nd living room and spare bedroom.

    I'm 3 years down the line now and despite numerous issues (including legal) post separation, we are now at least civil with each other, and I think we managed to shield the kids from the worst of it.

    As for me - I'm in a much better place now, compared to those dark, dark days.  I've had a bit of fun with dating, although I'm still looking for a long term relationship. Maybe, just maybe, I'm near the start of one at the moment.

    Again, best wishes, just keep your eyes fully open.

    8

    P&b Running Club

    in The General Nonsense Forum

    Posted

    Did a marathon today for the first time, on my own.  Things were going very well in the first third, well ahead of target pace.  The second third was ahead of target pace as well, but noticably tougher.  The last third was really horrible - much slower and every step was painful.  Still got under my target time, but by 5 mins and not the 20 mins that it looked like on the first third.

    My body is broken now. 😖

    8

    House buying, mortgages, insurance, etc

    in The General Nonsense Forum

    Posted

    1 hour ago, 19QOS19 said:

    Aye I knew Nationwide did that (it's kind of a draw for me after July for that reason alone) but thought Halifax was different. It is, it's what I thought but it runs from January 1st's balance, thankfully! 

    Aye I've looked at putting my overpayment elsewhere but tbh I just want to be debt free. After that I can put my mortgage and overpayments into a better place. I still have time on my side in that regard. I can't say I want it paid sooner just so I can say I'm mortgage free. It's more for the stress relief. I think if I was mortgage free I could probably survive on a minimum wage job relatively comfortably. 

    Afraid you have to check your Ts & Cs.  Mortgage policies are different between lenders and products, plus can change over time.

    0

    Cosmetic Surgery

    in The General Nonsense Forum

    Posted

    I'm considering getting a minor procedure on my face that should improve things a bit.  It's something that should make me look a little younger,  definitely not 'enhancing' anything.

    For context I'm a man in his 40s who's dating after separating from my long term partner.  Definitely wouldn't be considering this if I wasn't dating, but photo-based dating apps are fúcking brutal.

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