Some of you lot must have had some big deposits to have mortgages that small in England.
Some of you lot must have had some big deposits to have mortgages that small in England.
£125k of equity we put in, it's our 3rd place though. Had to work up from a 1 bed. That 1 bed was bought for £140k and sold for £210k 4 years later. The housing market is absolute silly bollocks.Originally Posted by Boydy
Jesus, some profit on that.
It is, but it means basically nothing. It's probably great for landlords knowing they could sell and make a mint, but when you're living in it it doesn't really mean much.
I suppose we could sell and become one of those weirdo Van Life families, but I don't think I'd get it past the Mrs.
Cries in NZ house prices.
Almost £0.5M.
We only had a £10k deposit. Bought our house for £230k in 2020. It's worth £350k or something now.
350k mortgage remaining but house is allegedly worth double that figure.
Yeah we owe 120k on ours and it's been valued 200k when we haven't done anything major to it. She wants to move to a bungalow now though
Today was a good day, lots of blue.
Did realise that I’ve clearly fucked up somewhere and accidentally sold more shares of something than I meant to. Solid way to lose £1k.
Trading 212 are doing a Cash ISA @ 5.2%
Cheers. Will sack off my 4.35% Kroo account.Trading 212 are doing a Cash ISA @ 5.2%
I'm a twit
I keep getting like £12 of Microsoft shares for any referrals. Quite underwhelming ha
Had another great day today. Rivian soaring wiping away my paper losses so I’m in pretty good shape.
Trading212 really is brilliant. In the process of selling pretty much everything I have elsewhere to get it done in there.
Gone absolutely balls deep into Ford on this most recent plunge.
Also starting doing some adult sums trying to work out the optimum thing to do with investing/trading capital vs. Mortgage.
So much interest to pay each month on a like £200k mortgage - like £600-800/month. Late to the party but fuck me.
All my would-be overpayments are currently making >5% in Trading212.
Talk to me about Ford.
I’ve lobbed about 8% of my portfolio in on this slide and I just keep topping it up each day. We must be near bottom, right?
Also bought about a grand of shares in Wendy’s after watching that American office episode where Kevin finds Michael a date.
Guess you’ll mature the account and Chuck it in the mortgage as and when the savings interest rate is lower than the mortgage rate?
If that's directed at my last post, then yes absolutely. It's really good, all the other >5% easy-access savings I can find are limited (eg. Barclays maximum £5k).
I find it bizarre that this gives me a daily update on interest earned.Trading 212 are doing a Cash ISA @ 5.2%and I’m talking like £0.13 a day, not worth informing me about.
I'm a twit
Turn off notifications. It's in the settings.I find it bizarre that this gives me a daily update on interest earned.
Hopefully a correction not a full scale crash.
Balls deep. And going deeper next week if it sustains.
Investment choices remain poor, but the number keeps going up.
Intel by the way, fucking hell
Now have a lot of legal and general and Ford - which makes me an investor, rather than a gambler.
But I did buy snap on the hoof due to the juicy volatility.
Black Monday lads.
Japanese market obliterated in 24 hours. Worst crash since 1987. Defence stocks flying. Crypto dying. South Korea halted all sell markets.
https://x.com/patrickbetdavid/status...OfmPqqYhw&s=08
Buckle up.
I wouldn't call it a crash yet. We're not even back to start-of-year levels. The recent growth has been insane so any correction will be very severe.
The US market hasn't even opened yet.
BTC bout to smash right back under 50k. Who was the lol merchant in here saying 100k and I sell. Love it.
100k by Christmas
I did some seriously guesswork based reshuffling of my portfolio today.
Binned off the things that were steady/profit to buy into stuff I like that had been severely hit.
Now that might sound mental, but it seemed a good way to bin off some lowly diageo shares I have in the hope something else bounces back better than it will.
Some serious recovering this afternoon though. Palantir results tonight I think too.
Staying the heck away from crypto still though.
And out of nowhere palantir pulls a big win out and I’m remarkably up for the day.
We roll.
Hit a milestone of total ‘profit’* since I started actually trying to buy and sell more regularly the last 18 months.
*profit means I want you all to ignore my paper losses and pretend they don’t exist, please thanks.
Japan bounced back, so today in America could be interesting.
FTSE bounced back a little.
Took some profit from some things and rebought some things I’d sold, lower.
This could explain why Japan shit itself.
Hope that plays out because I’ve not got much appetite to keep buying the dip.
Rockets galore.
Roller's on a roll again.
Enjoy your island Mellin.
So what do we think is happening in the budget?
A lot of rumours kicking about of various options.
No capital gains allowance?
Capitals gains tax raised to the same as income tax?
Reduced isa allowance annually?
Capped isa amount?
I’m hopefully they just try to close off some of the loopholes of people using capital gains/dividends and leave the average punters relatively alone.
However I think we are heading towards a zero capital gains allowance and higher tax on profits scenario. Hopefully they leave isa allowances as an outlet.
Still though, I’m debating selling off some company shares I have before the capital gains rises(?) happen. Also have a bunch that are “tax free” and debating selling them too in case they basically void that allowance (company shares, own them five years in scheme they become tax free).
Going to do some serious gambling for earning season.
Bought some 3M yesterday. No idea what they do. Mon.
Gonna buy some more snap on Monday morning purely on the basis their last earnings was bad and it sank. Reversal? Hope so.
Got a ton of Ford, it’s the 28th. People like trucks.
I did buy Netflix but bottled it early so didn’t get the full upside.
Last week was a stormer, so going to just throw money at earnings and see what sticks.
3m are a chemical company and they're potentially tied up in the the Teflon scandal.
I have no idea what's going on with all that now, but I know that there's alot of people out there with birth defects and cancer that were getting an awful lot of legal advice a couple of years ago.
Do some reading.
But people like trucks, right?
Do you dabble in ftse250 stocks? I’m beginning to think they’re something I should get more involved with as a growth stock opportunity.
The only ones I’ve ever really bothered with are warpaint and Bloomsbury publishing.
And IQE, which is looking increasingly likely will be a complete dud.
Getting better to sticking to big FTSE100 companies in my S&S isa, but I’m trying to blend elsewhere.
I have some Warpaint but otherwise I don't have any UK stocks anymore.
3M do the best sanding discs going. That’s my contribution.
I’ve only shoved a £1k in, and will pull it if I can make £40 or £50 so it’s not a significant issue.
I had been de risking and then got completely bored yesterday and bought small amounts of a few random things.
Schlumberger - this was down post results, but the more I think about it it’s probably a hedge for a trump presidential win. drill, baby, drill
Pure tech health - genuinely thought this was pure gym. I’m not convinced it is. Something to do with drugs or pharma.
Future - down 20% in a day? That seems a lot. Only looking for a 2-4% rebound and I’ll be out.
Thankfully these were only less than 0.5% of my portfolio a piece, so it’s just a bit of small scale punting.
I did buy a shit load of mondi though. That fits my bill of FTSE100 decent dividend payer so any price dips, or huge drops in this case, and I dive in.
Annoyingly the other one I fancied was snap-on and it jumped something like 8% on results.
You are late on both, but the big winners after Nvidia will be the fat pill crowd and the nuclear small reactor crowd.
Stick to index funds lads.
Who makes Ozempic? Good chance it’ll be available through NHS soon.
Novo Nordisk and Lily are the two big players. A few others are coming up with competitors soon though, and I believe Ozempic's patent runs out in a year or two.
What about Naltrexone?
I'm a twit
Hopefully it’s pure tech health.
Buy high, sell low.
Palantir at $42.had it at $8 but didn’t hold.
Bolted out of future, pure tech and shlumberger today at open of each. Made a little bit too, but decided bad idea to literally go blind.
Go time for 3M though. Apparently I had a buy set up and bought more. Oops.
Gambles paid off.
Lend us a tenner
Can’t I’m afraid.
Doubled down on snap.
2024 been a good year though.
The people don’t love burgers right now so I’m back in the Mcgambles.
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