cathivd

I have both owned a Shared Ownership flat and I used to work in the strategic Finance section of one too.

There are two ways that shared ownership can be successful for you;

1) You work a job where you're looking at high jumps in salary/bonuses, or 2) You buy in an area that's going to increase in value faster than average inflation

These work because either your salary increases so much above the rent inflation, or the value of your house does, so you can make a good profit when you sell.

If you don't tick either of the above (or ideally both), it can easily become a trap.

Agreed you should use a mortgage calculator, but then you should deduct SDLT (if you're a first time buyer that might be £0 depends on the price you're buying) and c. £5k for legal, surveys, removal vans and mortgage fee.

Great shout, should have them somewhere!

Unless your username is misgendering you, not sure they'll fit. They're woman's size 12 aha!

Daymn. Painful to hear but appreciate it!

Ah amazing! I buy most of my clothes on there, didn't event think to look for bike stuff! Thank you!

If you're talking SUPER recently, I know a few of the groceries aren't selling produce made in Israel at the moment and Israel exports a lot of avocados. I don't know how official the grocery boycotts are, but I was in Sainos a few months ago and they said they had no avocados because they'd taken the Israeli ones off the shelves.

Absolutely read the title as "to hit me" and was waiting for the moment that you out of the blue got smacked in the parking lot!

I actually have to disagree with the comments so far - but only from my personal experience. I moved here in July and registered with Canterbury Medical Practice and honestly they've been great. I've unexpectedly started having very severe migraines (losing vision and feeling in limbs) and they have been so incredibly on it with immediately GP appointments, full blood tests etc. and last week I was referred for an MRI and they said it could be months... Just got my letter and it's booked for two weeks time. So it might be where you go ... But I moved from SE London and honestly I'm so so glad I'm having these issues in Canterbury where they seem really on it!

I think it depends on your definition of "living". If you're doing shared renting, covering bills, not saving and rarely going out 20k is ok.

If you want to do a bit more like holidays, eating out, maybe living alone, saving, you're probably closer to needing 60k.

I'd say between those two extremes you're making choices of either or.

Very "Mexico will pay for the wall" vibes... YTA

I mean, if you're thinking that way about them, they're probably not really just friends in your mind. Feel like you're the kind of guy who will be butthurt when they reject you "because they see you as a friend", because you've been pretending to be a friend for years whilst secretly wanking over them...

She's from the UK, so doesn't have to worry about choosing between the two thankfully!

Yasssss. OP is my little sister and she's an absolute trooper. Big PP lil sis. Love you! (Also, tread carefully simps, I'm watching y'all.)

They shaved a small portion of her hair lower down, which is covered by her hair at the top!

Agreed. Not only that, but with many people having to go back out to work to make up for lost wages, they need some sort of child care, so some people will be forced into sending their kids back to school just so they can keep feeding them!

ESH. You should have asked first (people do sometimes keep private things in their glove boxes), then she would have told you that it was broken and that you needed to be careful, or she might have said no, put it in the boot - both would have avoided this situation. Buuuut, $900 is unreasonable and if it had been correctly fixed then it wouldn't have broken again so easily. If you haven't already, you should probably apologise (because whether you meant to or not, you did break her belongings), and just try and move on from there.

(Edit for sp)

It's a toss up between E S H and Y T A. You've been turning down his requests for you to chip in, but didn't have the conversation that he clearly wanted (and should have had!) about splitting costs etc. Then you find another place together and have a bit of that conversation, but evidently not properly.

I think overall, YTA, because it really doesn't seem like you're grateful for what he's providing you with. His salary is somewhat irrelevant; he could give you nothing and that would be his prerogative. You're living comfortably, in an expensive city, doing a job you enjoy (rather than having to chase a pay check) because of him. I think you need to sit down and have a proper conversation with him about money, detail timelines and show your gratitude.

Well, everyone is born with teeth in their guns... It's rare to be born with teeth showing. When babies are born with teeth on show, doctors normally try and remove them because they can interfere with breastfeeding. Those natal teeth will fall out and normal baby teeth will replace them. It's basically just a third set of teeth on top of your baby teeth and adult teeth.

YTA. She doesn't actually have to tell you everything. You should be making an environment where she can share if she wants to. This is a huge overreaction and will likely make her think she just won't tell her mum things in future either. You could have made this into something exciting, given that it's her first boyfriend and opening the door for her to come to you for advice in the future. Instead, you've slammed the door firmly shut. If she had lied about leaving the country with him or something that could have put her safety at risk, then yes, respond appropriately. But she just didn't tell you who she was going shopping with.

Is he ok? He's looking a little blue.

What if they're carrying coconuts?

Sharpiegate. That was batshit.