>>7466
Seconded for r/ukpersonalfinance , there's some absolutely stellar advice given there on this sort of thing.

>>7464
Okay - a mortgage broker will definitely help as they will have actual offers from lenders. I can recommend Charles Cameron.

There are three variables to a mortgage - how much you earn (£80k), how much deposit you have (£90k) and how affordable your monthly payments are going to be. On the downside, you're self-employed, which means you have to do a little bit more proving you can still earn that much in the future. Your £90k deposit is a very good upside though. You can generally borrow between 3x and 5x your earnings depending on how dependable they are and the lender/offer.

On the affordability side, the general rule of thumb is you should be spending no more than 28% of your monthly income after tax is paid, which for you is about 1200 quid per month. The last variable is how many years you are taking the mortgage for, this varies between 10 and 30 years. Based on all that I would think you could be getting a mortgage of about £250k which added to your deposit means you can buy a property of £300k-ish.

You should get a mortgage that allows you to overpay - if you're as good a saver as you say, this means that you can overpay it every month, which dramatically shortens the term. There are mortgages (offset mortgages) that also allow you to keep your savings and balance the mortgage against it - again, a broker will help here as they can get actual offers to talk about.

When you speak to a broker, and they talk to lenders, you'll have to do some extra work because of being self-employed and the fact that rules have tightened up around affordability recently, but you have a good deposit and that really helps.

>>7466
>It might be worth getting a credit card and spending a bit each month, making sure it's paid off in full to avoid interest. It's an easy way to demonstrate that you manage money well. Having no evidence of debt management can be a negative thing, I suppose the logic is 'if we can't see you managing small debts, we're unsure about your personality with larger debts'.

Bumping this thread because I'm curious of how true it is. Like OP I've always avoided debt (student loan aside) and I've got more to show as a result because I've never paid interest and always had sizeable savings for anything that goes wrong. Plus I didn't want to be enslaved to debt in my youth.

It seems like something that would be more applicable to the American market but numerous older people told this to me growing up, that I should just buy things on credit and then pay them off because it's essential to home ownership. It would be satisfying to know that these people were idiots.

>>7875

>It would be satisfying to know that these people were idiots.

Unfortunately not. The files held by credit reference agencies only include information on credit you've taken out. If you've always avoided debt, then lenders have very little information on your ability to reliably repay it. You might be very prudent, or you might have avoided debt because you're bad with money know that you'd get into trouble. Small, occasional borrowing that is reliably repaid proves that you can be trusted with a bigger loan. Your energy and phone bills do go on your credit file, but it's useful to have some other borrowing history to give lenders more information.

Besides that, if you're good at managing money you can substantially benefit by using rewards credit cards for your spending - you'll get cashback or vouchers for free, just for buying what you would normally buy.

https://www.moneysavingexpert.com/loans/credit-rating-credit-score/

https://www.moneysavingexpert.com/credit-cards/best-credit-card-rewards/

>>7467
Thirded. The basic info provided there is a really good for anyone starting to get serious about tackling their money situation. The same advice can be found elsewhere, but it's fairly clear and concise and makes for a good springboard to learn more. It's like a beginners work out guide, the hard part isn't to Do The Thing, it's to stick with it and some people just drew the short straw and cannot do it. That's a different topic, though.


>>7876
At risk of being seen as tedious, but:
> you'll get cashback or vouchers for free

Free in the same way the NHS is "free" at the point of use. The payment operators take a cut of every payment[1] you make and they offer those deals because it makes them money.

[1] They operate the infrastructure to support those payements, including anti-fraud etc., so they're not just "skimming off the top". In some ways it's a race to the bottom, however: vendors price in those premiums so either you make use of what you can get or you pay it anyway and don't.

'it time to to fight back'
-That's Huey's Stand
>(a good day to you sir)
now Huey's banned

Lionel Ritchie is. They even use an acoustic guitar riff from his song "Hello" as part of their Shotwave Radio propaganda broadcasts. I'm not making this up. Tune in!

Did what a dad would do for his kid. It's absolutely nothing to do with his mastermind of Brexit and helping the Conservatives achieve the largest majority since Thatcher. Or was that Corbyn. Gonna be an overblown media frenzy made up bullshit backlash somewhere. And absolutely nothing to do with Mark Sedwill.

https://londonlovesbusiness.com/ian-blackford-mp-called-a-hypocrite-over-600-mile-trip-during-lockdown/

>>89942
Misery guts.

>>6158

Is this >>89942

>>89943

How do you explain the trip to Barnard Castle, which coincidentally fell upon on his wife's birthday?

They knew they were in the wrong, his wife even wrote an article in the Spectator pretending to be isolating in London.

He broke the rules first time, by returning to work after feeling better rather than isolating for the correct amount of time.

Blackford is whataboutism.

Man who reported second Dominic Cummings trip admits he 'made that up'

A man who claimed to have seen Dominic Cummings in Durham for a second time in April has admitted that he made it up, according to reports.

Tim Matthews said he altered figures on the popular Strava running app to make it look like he had seen Mr Cummings in Durham on April 19, after the PM's aide had returned to London from his first trip.

His claim was reported in the Guardian earlier this week. But he told the Mail on Sunday: "I made that up afterwards, a few days ago in fact. I modified it for a little bit of comedy value. I undid it later, I’m sorry. A bit of comedy value even if it was really inappropriate."

https://www.standard.co.uk/news/uk/dominic-cummings-second-trip-made-up-a4455501.html

>>8952

I normally respect rather than enjoy wrestling, but that was a beautiful bit of physical theatre.

>>8952
Orange Cassidy makes no sense as a pro-wrestler as I understand it, his gimmick shouldn't work, but it does and kids love him. Guy is gonna be a star, because he has "it" whatever "it" is.

>>5246
This post aged well.

>>8952

That video was adorable.

>>8956

True

Assuming I need a year-round wardrobe:

10 Uniqlo Oxford button-down long-sleeve slim fit shirts in white and light blue
One Uniqlo v-neck sweater in merino, one in lambswool
One Harris tweed or coarse worsted blazer, one corduroy blazer (sale or charity shop)
One pair of leather-soled brown half brogues, one pair of rubber-soled brown brogue boots (whatever Northampton brand is on sale or factory seconds, possibly charity shop find)
Two pairs of chinos, two pairs of cords, one pair of wool slacks (slim fit, whatever brand is on sale)
Cheapo ASOS Harrington jacket, wool pea coat from a charity shop
14 pairs of socks, boxer briefs and undershirts (light grey) from wherever is cheap, probably H&M
Fulton Ambassador umbrella
Some fat quarters of Tana Lawn fabric for handkerchiefs

I can sew, so I'd do my own alterations and add elbow patches to the sweaters and blazers. Yes, I am an extremely specific kind of twat.

>>6167
>Charles Wilson

What are these like? The pictures on Amazon suggest they're a bad shape and fit.

£25 to cover my bits and be decent. £50 on a helmet. The rest on a second hand YT Jeffsy. Fuck it, if it's that bad i'm sending it.

>>6172
Fits fine for me. Ultimately YMMV depending on body and whether you prefer v-necks.

>>6174
I prefer henley shirts, but I worry they'd look too much like a pyjama top.

>>12358
People made fun of me as a kid because I bit my lower lip when I drummed and I got self-consious and stopped, one of my biggest regrets, easily. This video confirms how far self-confidence can take you and it hurts.

>>12358

I listened to them when I was about 12 or 13, it has genuinely never occurred to me that they'd still be going. Next you'll tell me Papa Roach has a cult following in Latin America or something.

But yeah I think it's serious. I would suggest he's probably on summat though.

>>12361

>Papa Roach has a cult following in Latin America or something

They're still massive in Germany.

Probably the highlight of the last series of Black Mirror, which I realise is damning it with faint praise.


https://www.youtube.com/watch?v=UvLceBjnG3w

>>12288
They've now uploaded a non-live version.


https://www.youtube.com/watch?v=LcI8sfwxvIs

>>25177

Right can I see this one in the sky and where do I look?

>>25186
Probably not. Too bright on the first pass at around 20:40, and it'll be very low on the horizon for the second pass at around 22:15. Look southwest from an elevated position in dark surroundings at the second pass for your best chance.

>>25187
Thank you - are they docking or are they just spinning round for a bit and coming back?

Sage because there's UFO's and Elon Musk doesn't do pan dimensional gravity/time manipulation engines.

>>29694
If you didn't like the first series then I don't think you'll like the rest of it I'm afraid. The humour remains much the same; torturously long similies, Lister is disgusting, etc.

In my opinion it's never been gut-bustingly funny, it's always been a little bit crap in a charming way, but if you're already turned off then forget it.

>>29694

There's a massive shift in the whole show between series two and three. If you don't like it by the end of series three then you probably won't like any of it.

>>29696
Yeah but the shift is from comedy towards sci-fi, so it doesn't help with the lad's initial problem of not finding it funny.

>>29697

Interesting. I always felt that it moved from being sci-fi driven sitcom to being a sitcom with sci-fi elements. The humour definitely moves towards the crasser Goalpost head, novelty condom head, "deader than A-line flairs with pockets in the knees" etc etc. rather than the "two men lost in space" odd couple humour of the first two series.

I'd definitely say series 3 onwards is a lot more accessible and similar to mainstream comedies than the first two.

I feel as though it's pointless thinking about such things because it's essentially observing the observer. The result is always going to be biased even if you're a buddha(?).
Don't get me wrong, I'd love to understand myself - i just don't think you could do it by imagining your perfect horror. We're already living it in our responces to reality and overarching fear of death, and all that shit.

Strip yourself naked, cover yourself in butter and cough at a policeman.

Sorry about this lads, was in a fighting mood yesterday.

I actually love everyone.

>>65556
S'all right lad, it's pissin hot innit. We understand.

It's fine for me, live on the second floor on a road junction, plenty of air circulation. Have you considered spraying yourself with a mister?

>>437264
>Have you considered spraying yourself with a mister?

Aren't all the cottaging sites closed at the moment?

I've been lying under a tree all day.

We're nearly at the 10 year mark. Fishing and KFC outing anyone? Only 6 of us at once, mind.

>>437266
You shouldn’t tell porkies.

>>29675

A first interview for therapy sessions. They provide free therapy paid for by the gov’t if you are employed.

The Able Futures service is funded by the DWP, not your employer. The service is completely confidential and you don't even have to tell your employer that you're using the service. They will only break that confidentiality if you disclose that you have committed or intend to commit a violent or sexual crime.

https://able-futures.co.uk/mental-health-support-for-individuals/

>>29678

Alas, the Able Futures ended up being completely worthless. I have to save my penny and pay for a private therapist. Shame on me for assuming that there was such a thing as free mental healthcare. In picture, me.

>>29684
I don't know what the provision is like in your area, but both myself and my partner got mental healthcare through the NHS through referral from a GP. Long wait times, but they offered an 8 week course of talking therapy which I guess could be helpful if your mental health issues aren't too bad.

>>29685

I guess it depends on the area. When I tried they took about one year to call back. At that point I was going to move out of the area soon.

>>13329
Polish 'majo' is way better than the shite over this side of Europe anyway. Get yourself some of the Winiary stuff in your world foods aisle. That said, it's probably because it comes with mustard already in it.

>>13331
I often find the world section has decent alternatives to well known brands but I wonder if the standards are there. GMOs, animal welfare, etc.
The logo looks suspiciously like Maggi's, but according to wikipedia they're unrelated.

>>13332

>>13332
>The logo looks suspiciously like Maggi's
Is your name Dominic Cummings?

Japanese mayonnaise is really quite spectacular, Kewpie is the brand you'll most likey find over here.

It goes without saying that better eggs and bread will also help your sarnie along. The former perhaps not as important once smothered in mayo.

>>5589

The price is right. Isn't like they are being delusional with their value.

>>5593
The elephant squirting a rainbow out of its trunk haunts me.

>>5594
The cow might be passable with larger brush strokes.

>>5589
Some of these aren't half bad.

Probably because of covid this is the first time she's picked up a pen in years, she just needs to avoid the childish and cartoony animal pics, and focus on the landscapes and the more abstract stuff like the giraffe and cow in these ones: >>5594

The price for the better ones is fine as long as those frames are included.
Anyway at the end of the day art is worth what people will pay for it, I'd rather have one of these on display in my house than the tacky mass-produced prints they sell in shops like the Range for twice the price.

Got a link? I wonder if she'd have a go drawing my fursona smashing Judy Hopps up the wrong 'un in the ZPD locker rooms.

Sounds like you need to get a bucket to shit in.

m8 what is wong with you? Shit in the shower like the rest of us.

You mean you don't put down a carefully layered support structure out of toilet paper before you unload?

Stops splashback and allows you to examine your work.

Rather that than turds too big to flush. I never shit at someone else's house for this reason.

I am, why can't it be embedded everywhere?

You bastard, I clicked on the image to close the reply box I thought had popped up.

>>437242
I think it's like the rats appearing everywhere - there must be some reason to do with lockdown that they are appearing.

Also, it must be flying ant day soon - the fucking bastards!
LADS WAR IS COMING

Less disturbed grass that can hold standing water, less air pollution, more mosquitoes.

Fewer restaurants chucking out food, rats come looking for food near your house.

Just a theory anyway.

>>437244 Around here, it rained an absurd amount over the winter, and barely froze. It then snapped into a continuous dry spell, so there's a fair amount of warm standing water, that hasn't been refilled / overtopped, ideal mozzie territory. The lack of frost may account for some of the extra rats. It's like bloody watership down here, baby bunnies everywhere, which I suspect is related to the warm winter not killing enough of them off. They're cute, but the fuckers eat everything.

>>8941

It looks like you've got an older type of handlebar stem called a quill stem. Accu will sell you a replacement bolt for a couple of quid if you can figure out what size you need, but a new stem will only set you back about £15.

https://www.accu.co.uk/en/159-cap-head-screws

https://www.sjscycles.co.uk/stems/humpert-cattube-1-inch-quill-stem-254mm-clamp-blacksilver-40mm-height-230mm/

>>8941
I can't quite tell what sort of stem that is, can you post a pic from the side?

I think it's what's called a quill stem, it might be easier buying a whole new one than trying to get a new bolt.
Or alternatively you can get a convertor like below, then you would also need to get a new stem to go with it.
https://www.ebay.co.uk/itm/BLACK-STEM-CONVERTER-1-Forks-22-2m-QUILL-to-1-1-8-28-6mm-AHEAD-Bike-Bicycle/382585070775?hash=item5913d8e4b7:g:qIQAAOSwwghdVpSU

>>8942

If you're on a tight budget, you can get a Chinesium stem for six quid on eBay.

https://www.ebay.co.uk/itm/80MM-HYBRID-TOWN-BIKE-BICYCLE-QUILL-STEM-1-BLACK-NEW-FREE-P-P/274286279050

>>8944
Ordered this (the bike is barely worth anything), will let you know how I get on.

Cheers lads.

>>8945

>Cheers lads.

Chads.

>>15347
>BTW fuck webp it's entirely useless.

It's a pretty good alternative to animated gifs, which are a bizarre inefficient dinosaur of a format.
But for stills though, yes it's utterly pointless. There's an argument that they save a bit of space when compared to an equivalent quality .jpg, but it's spare change in an age where every other website is packed full of autoplay videos.

>>15349

Up until now I had assumed it was just some sort of image format DRM that stops me being easily able to save images off Google to repost on imageboards.

>>15350

I'm not a computer magician but I think the only thing preventing them from working on Brian would be one line of code that contains the valid file types it will let you upload. Brian doesn't need to be able to decode the image itself, because that's done on our end in the browser, and that shouldn't be a problem for anyone who's updated their browser in the past 5-10 years.

Regarding DRM on images, one thing I've found that many websites do, either intentionally or otherwise, to stop people from being able to save images is to hide the image itself underneath a transparent layer so right clicking doesn't let you save the image. There is a workaround although it can be a bit of a pain in the backside, in Chrome, right click on the image and click "inspect", and using that function you can break the page down and find the url to the actual image.

>>15351

*I just thought, adding in a new file type could possibly bugger up the scaling for thumbnails maybe?

You can just delete the .webp bit, right? Is there another issue or am I posting on Mumsnet by mistake again?

>>89767
I knew someone would post this eventually.

>>89763

Well... Not quite. They still have their Old Money types, and if you're not part of that OG Colonial Crackas club you'll never be in it, even if you're the President of the United States. This is a large part of the reason the US establishment has vilified Trump, he's not part of that old reptilian aristocracy, even if he's filthy fucking rich. There's a reason Tiger Woods was fair game for wholesale press slander, and it's the same reason premiership footballers and celebrities over here are. Filthy rich, but still working class.

Even so, money still makes enough of a difference to make almost any and all racially, sexually or gender based discrimination complaint utterly irrelevant. I'm reminded of the thing we have over here where West Ham fans chuck bananas at black players. I heard one of those players speaking at an interview and he said, with a degree of frankness the interviewers weren't expecting, that it's hard to let insults like that get under his skin when he earns more in a week than many of those people do in their lives.

Money changes the balance of power. If I'm a middle class white guy, and I called the black CEO of an oil company a monkey, the balance of power is squarely in his favour because he is so rich. Calling him a monkey is no longer punching down like it would be if I called a street youf from East London the same thing.

>>89766

That's what I already alluded to in mentioning the strong streak of traditional conservatism amongst US black and British Asian demographics. They certainly have their reasons- With black folks it's because they desire the most freedom possible and least inSURFerence from white men in government. In British Asians it's because they want the freedom to lock their women in cupboards or exploit the workers in their carpet emporium.

But the case is still pretty strong that being conservative when you're poor is in fact a sign you're thick.

>>89770

>inSURFerence

Never change, .gs.

>>89771

I think Brian could do with learning about RegEx \bword\b boundaries, though.

>>89762
>It's also possible to be very, very rich at the same time as being gay or black. Possibly even both.
Yes, and the Democratic party exists to represent the interests of very, very rich social liberals/minorities, while the Republican party exists to represent the interests of very, very rich social conservatives/WASPs.