We rented for 15 years. Always did okay as we properly vetted the clients.
Our apartment here is in our basement so no chance they can misbehave
We rented for 15 years. Always did okay as we properly vetted the clients.
My SiL owns the 2 flats above hers. For years, the tenants have been fine (they're all vetted) and some stayed for a long time, but the last one in the middle flat started out OK and gradually became the tenant from hell. Finally got him out and has had to spend ££s putting the place back in order, replacing stuff he'd dumped, sorting out the unpaid utilities etc etc etc. However, it may not be re-let. The experience was so unpleasant. The whole lot could be on the market soon.Yorick wrote: ↑Fri Apr 15, 2022 2:05 pmWe rented for 15 years. Always did okay as we properly vetted the clients.
Our apartment here is in our basement so no chance they can misbehave
That's the way I feel, I save pretty much everything I earn now (that I don't use to pay bills), my biggest personal disposable income expenditure this week was a pizza last night.
I did a bit of looking around when I combined all my pension pots but there were so many options and so much small print I ended up just bunging them into the one that made the transfer easiest. I didn't do it until nearly retirement time so my portfolio stayed diversified, as it were, to guard against market shocks. Unless you've got one that is badly underperforming or overcharging there's little to be gained from combining them early on, IMO, YMMV, etc. I also got annuity and transfer values for each - there were a couple that were far better as annuities because they were guaranteed (and the return of new annuities is crap these days, thanks George Osborne and QE)Futter wrote: ↑Mon Oct 04, 2021 11:18 am Hi All
I have several pensions running, all standard company programs and I want to combine them to make the most of them etc. Is there a comparison site that tells me which is run best/performs the best? I've had a look but cant seem to find what I'm after. TIA
A long while ago I thought I was financially savvy. I invested in a couple of ISAs, 2 different companies managing them, one of them biased to technology, the other broad=based on the Footsie. Can't lose can I ?
That FTSE based one....what the heck happened there?Cousin Jack wrote: ↑Tue Jul 05, 2022 8:22 pmA long while ago I thought I was financially savvy. I invested in a couple of ISAs, 2 different companies managing them, one of them biased to technology, the other broad=based on the Footsie. Can't lose can I ?
Well I did, big time! Both ISAs were £7k at cost, at one stage one was worth a bit over £1k, the other a bit under.
Now I am a rate tart. I move my money around to get the best rate, but only with a govt £85k guarantee. I will never get rich, I may get poorer as inflation bites, but I won't go bust overnight.
What happened was the dot-com bubble burst.Count Steer wrote: ↑Tue Jul 05, 2022 8:33 pm That FTSE based one....what the heck happened there?
The lowest in recent years has been about 3500 (2009) you'd have had to buy in at 24500 to lose 6/7ths and it's never been above 8000! Must be some corking dealing charges!!
I used to do a monthly summary of all financial holdings. I stopped doing it in January.Mr. Dazzle wrote: ↑Tue Jul 05, 2022 9:07 pm Some of my funds have dropped 20% since the start of 2022, its been a right shit storm!
The very worst thing I could do would be to change them now though. I haven't actually lost any money yet, that only happens if I'm foolish enough to sell.
Wind turbines are doing pretty well though
If you're paying in monthly you're buying on the dip too so ideally you'd hope the markets stay low while you buy, and rise from retirement onwards. That'd be nice.Mr. Dazzle wrote: ↑Tue Jul 05, 2022 9:39 pm I'm just curious more than anything! Plus there's a app for it, like everything else.
I set myself the rule that I only change where my pension payments go once every year, unless something really drastic happens in the news.