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wish I could afford one

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About wish I could afford one

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  1. wish I could afford one

    What will collapse next....

    Give me a chance. Now FIREd and will be gone in a few days...
  2. wish I could afford one

    Brexit What Happens Next Thread ---multiple merged threads.

    Self, party, country in that order...
  3. wish I could afford one

    Brexit What Happens Next Thread ---multiple merged threads.

    How about this official https://ec.europa.eu/commission/sites/beta-political/files/draft_withdrawal_agreement_0.pdf
  4. wish I could afford one

    Brexit What Happens Next Thread ---multiple merged threads.

    Interesting comment German politician Hans-Olaf Henkel - "So I think what they could specifically do is now offer Britain a new deal. That deal has to be more autonomy for controlling British immigration." Maybe a vote on WA or Remain with a bit of cake...
  5. wish I could afford one

    Brexit What Happens Next Thread ---multiple merged threads.

    It's already been pretty toxic at times and they haven't deleted it yet...
  6. wish I could afford one

    Brexit What Happens Next Thread ---multiple merged threads.

    I don't understand how the DUP could be unhappy though... Under this doesn't NI benefit from being the only place with frictionless access to the EU and UK markets. Couldn't that give them the opportunity to attract industry from both the EU and UK where both markets are sold into? NI the global industrial power house...
  7. wish I could afford one

    Brexit What Happens Next Thread ---multiple merged threads.

    But the DUP don't like it - "...the party's Sammy Wilson says "it's a poor deal, a bad deal, and a deal that the prime minister said she would not accept.""
  8. wish I could afford one

    Brexit What Happens Next Thread ---multiple merged threads.

    I guess it gives this thread a chance of making it to 5,000 pages... 🙂
  9. wish I could afford one

    Brexit What Happens Next Thread ---multiple merged threads.

    £ back over 1.30 to the $ and over 1.15 to the EUR...
  10. wish I could afford one

    Brexit What Happens Next Thread ---multiple merged threads.

    As early retirees in Cyprus we need to take out private health insurance. We'll minimise the annual costs of that with an excess and then pay as you go for GP visits etc. They cost about EUR30 a visit. If we had have stayed in the EU (and of course depending on the deal or no deal it could remain) then once we achieved State Pension age we could have applied for the S1 to get free state healthcare in Cyprus like a Cypriot national but which is really paid for by the UK AIUI. Flip it on it's head and an early EU27 retiree coming to the UK would get free NHS treatment as it's based on residency. The UK government could have easily sorted this problem but chose not to. An easy example that would have helped with costs is free NHS is available to permanent residents and not just residents. The EU doesn't prescribe what you have to do it just says you have to treat all EU citizens equally.
  11. wish I could afford one

    Brexit What Happens Next Thread ---multiple merged threads.

    No, the EHIC is for travel to other EU countries. If you're a UK pensioner living in an EU27 country pre-Brexit you need to complete what is called an S1 form.
  12. wish I could afford one

    Btl Scum Regrouping And On The Offensive. -- Merged

    The latest anecdotal I have was that the hot water storage tank scaled up so badly that the water actually stopped flowing. We stayed at the complaints by following the documented process which eventually leads to you being able to get it fixed yourself and so managed to get a new tank within a few weeks. The hilarious piece was that they replaced it with a tank 1/3 of the size of what was there. I didn't bother pushing back as we were giving notice in a couple of weeks. The Real Estate agent who then came to photograph the place "asked how the shower was". I replied with "it's ok provided you're quick" as I opened the door to show the tank. Even he rolled his eyes. We'll be sure to point this out to any punters who look at the place while we're still present although given the monthly rent they want it might be empty for a while.
  13. wish I could afford one

    Btl Scum Regrouping And On The Offensive. -- Merged

    Why are they so against licensing? Licensing is just about ensuring minimum standards are met and as professional business people surely they want to protect their investment by keeping their assets in a condition far above the minimum. I know in the business I work planned predictable maintenance is essential from a business continuity perspective.
  14. wish I could afford one

    Btl Scum Regrouping And On The Offensive. -- Merged

    I also love the 'invest overseas' comment. Firstly, buying housing with huge amounts of debt is not an investment. Buying a home 100% with cash could be considered an investment. Instead, it's a leveraged gamble on interest rate direction and government policy. Those that got in early have ended up on black. The question is will the current lot end up on black or red. Secondly, how would they 'buy' overseas. Who's going to give them the debt?
  15. wish I could afford one

    Countrywide share price

    Hey GB. It's a little more subtle compared with writing lots of zero's. 🙂 I also have a fair bit of cash sitting around (17.8%) at the moment in readiness for the Med home purchase. Every month I see it being devalued via inflation and it frustrates the sh*t out of me. Post the home purchase I want 3 years living expenses in cash only which will hopefully help me ride out the eventual crash/es vs this blip we've seen so far. Up until now I've rarely had to sell anything to rebalance as I've been able to continually use new money to buy the worst performing asset class. Looking back at my records my last sale (as opposed to move from expensive work pension wrapper to low cost SIPP) was VOD back in January 2014 and that was because of their sale of Verizon and all the tax palaver that was going to go with it rather than a rebalance. That's about to change as I enter to drawdown so I expect to eventually use my other rebalancing criteria which is I will rebalance when any asset class has declined or increased by 25% of nominal asset class percentage. So if I’m say wanting to hold 20% UK Equities I’ll rebalance when they either exceed 25% by value or are below 15% by value. I really don't like churn as that's one of the ways our financial services 'friends' make their money - buy/sell spreads and trading fees...
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