VarunGS

I'm buying a freehold property and I was surprised with an estate rentcharge. Had never heard of this before, apparently the freehold property comes with some restrictions on usage (for example no more than two domestic pets, lol), a small fee paid to the rentcharge owner, and service fees for communal maintenance.

How common is this? I was getting a freehold specifically not to deal with leasehold bullshit and infinitely increasing fees, and considering backing out because of this. Also not a fan of how it was sprung on me mid transaction, I wasn't told before. Are these service charges fair, do they have the ability to increase it forever like with leaseholds? Are there recourses in place

Hey guys,

For the last several weeks I've been having big gaps in pressure and flow rate in OSCAR. They look like this: https://gyazo.com/c8779afc8ea0ae4ed5330b21a89dd8ed

Is this a data thing or does it mean the pressure is actually turning off? The CPAP runs all night and I don't have auto on on, and it's definitely connected to my face, so that wouldn't make sense. I'm trying to rule out what might be going on.

I have daytime sleepiness but I'm not sure if it's related to this or some other vitamin deficiency etc.

Thank you for your help

https://www.rightmove.co.uk/properties/130223672#/?channel=RES_BUY

Considering buying this. It looks very good, reasonably priced, nice location, close to the city center. But it hasn't sold in years. What's the dealio?

Analysis appreciated from the people over at HousingUK.

1. Have UK limited company
2. Become non-UK resident
3. Extend a loan to the UK limited company
4. Make a corporate contribution into your SIPP, up to £60,000 (this is legal because it's a UK entity making the contribution into your UK SIPP)
5. Repeat
6. Profit

It feels like this shouldn't be allowed. Can someone point out where the flaw is? Thanks!

Hi guys,

I have a question about my specific contribution situation. I'm 22 years old and I paid tax through PAYE for the first time last year, giving me one full qualifying year.

Due to work reasons I am now temporarily non-resident in the UK and won't be paid through PAYE or my ltd company. For the foreseeable future I won't be collecting more qualifying years through normal work, since I'll be living outside of the UK.

The Government Gateway allows me to pay to top up the last 4 years (around £800 each). Should I bother doing that? I'm not even sure which factors specifically to consider (will there be a state pension when I retire, will I be able to top up more years as I go along, is

Hi guys,

Being overcharged quite a bit on my Dubai phone bill and I'm curious to see what people's phone bill breakdown normally looks like. Mine has a lot of items on it which is quite confusing. Would love to see what a "normal" phone bill looks like, the type that gets mailed over or emailed monthly.

Would like to see examples and can pay $5 each for my peace of mind... Just send me your full phone bill export/scan and leave me your paypal, gcash or crypto wallet. Thanks for the help guys

Don't know what they're called but I remember them offering those. I forgot the prices and specific details. I'm visiting next month and I'm considering picking up one of them since they said it has lifetime validity. Does anyone have one of these? Does anyone has details about specifics? Thanks guys! :D

Hey phr4r,

Bit of an unorthodox post. I'm looking for a short-term NSFW travel partner to hang out with during my travels. For at least a couple days, and if it goes well, maybe longer. Craving some Pinay this time of year :)

About me:

• Non-white foreigner, 6 ft tall
• Fat, but losing weight :-)
• Sometimes shy and quiet, sometimes not
• Interested in economics, finance, politics, betting
• Love controversy, offensiveness, and big personalities
• I travel a lot to a bunch of different countries with friends

About you:

• 18 to 23 (preferably as old as or younger than me, but slightly older is fine)
• Skinny or athletic body type (opposites attract :P)
• Pretty
• Good English
• Smart & i

https://vocaroo.com/1o2dVdE4YVFj

Would love some indicators from serious singers on how/where to begin improving, as a lot of stuff is scuffed but I haven't sang in probably a couple years now and would like to get back into it properly

Thanks!

Hey all,

I'm a new dom in a 24/7 dynamic with a new sub (we've known each other online for a number of months but only met up in November, and things are going really well so far, at least at home)

One issue I've been facing is I'm quite reserved in public (when we go to restaurants, or on walks, or when I'm around colleagues) but she doesn't seem to get the memo. Even after multiple explicit instructions and shooting down a bunch of ideas, the dynamic still seems to linger in public (she looks at me in a sexual way, and sometimes touches me, and I feel like people are noticing and judging; maybe it's just me being paranoid?)

Overall she is a very good girl and I like her, but she can't s

Hey guys, wanted to show my friend that video but I can't for the life of me remember what it was called!

It was a really old poker vlog -- a guy playing online poker at home, with someone else filming. He was playing low stakes and going crazy with the commentary. The site was really old school, the video must have been filmed in the early 2000s. His reactions were hilarious, if you know you know

Please link the video below if anyone recognizes this! Thanks!

Hey all. I fell victim to a crypto scam last year, losing a large amount of my savings. It is now looking likely that as a part of a settlement agreement in a lawsuit against the perpetrators, I will be getting a chunk of the cash back, in the low six figure range. I understand that I have to pay income tax on this, but how do I offset it against the initial loss given it's not capital gains? Fwiw the settlement will be about 30% less than the initial loss, and the initial investment was all made post-tax so I have already paid full income tax on that sum. Thanks all

Hey all, considering Cardiff Met for my second degree (Llandaff campus). What's the best social uni accomodation? Prioritizing shared halls / flats as I like being social but in small groups, not large groups. Priceness, niceness, and closeness to campus are secondary. Looking for some authentic on the ground experiences as the listing sites are never truthful. Thanks all!

Hi all, I'll try to keep this brief.

I bought a used car from a friend (not the smartest move, I know). I transferred £2.8k. I don't know if the car was real or not, but long story short, I asked for a refund. Friend agreed but didn't have the money on hand so we set up a payment plan of £300 per month until it was paid off. I received £300, then £150 twice, and nothing recently. This was around a year ago (the full amount should have been paid off by now).

My ex-friend is probably in a bad spot financially - we all are - but right now I could really use the money back. I have asked him politely but he keeps making up excuses for why he can't increase payments, despite us agreeing to £300

Hey guys, I was wondering if I could get some advice on a situation with my mom.

For some background, she was a lower level fund manager with SBI. Long story short, a company their team invested in turned out to be fraudulent. The company was cooking the books and the stock price collapsed. My mom was a part of the team that signed off on the investment.

This was two or three decades ago. We live a lower-middle class lifestyle in the UK, trying to save one or two pounds on groceries wherever possible and taking longer bus routes for off-peak rates. A few years ago, the CBI sued everyone involved with the fund (30+ defendants) including my mom.

For the past few years, my mom has had to app