u/OkDifficulty3834

I'm looking at a £160k mortgage with a £40k deposit.

25 year:

• £844.54/month
• £93,361 total interest

40 year:

• £668.70/month
• £160,977 total interest

On the face of it, 25 year saves a lot of interest but I think the 40 year might actually be better for someone who is discplined with investing/saving.

With the 40 year, I'd have an extra £175.84 each month. If I invest that instead and get a higher return than the mortgage rate, I'd potentially make more money than I would by paying the mortgage off faster. I also like that I'm not locked into the higher monthly payment. I could overpay the mortgage if I wanted to but if I needed the money for something else, I'd only have to meet the lower payment. Another benefit of the 40 year mortgage term is that £668.70 in 30 years won't be worth anywhere near what £668.70 is worth today because of inflation so the longer the better.

Am I missing something here?

I just came back from watching spider man in 4DX, the 4D parts were great but gosh the 3D image quality was absolutely horrible. You couldn’t even read shop signs in the movie, it was that bad! I can’t emphasise how bad the image quality was.

Edit: I’m still questioning if there was something wrong with the 3D glasses I was given.

Screen 3 at Birmingham Broad Street.

Hi, I just wanted to get a sense of how I’m doing salary‑wise. I earn £42k a year plus a £6k bonus, so £48k total compensation, and I work remotely as a software engineer. Is this fairly normal? A lot of my friends seem to earn significantly more, one of them is on £70k so I’m trying to understand where I stand.

Hi, I’m wondering which countries are best for active crypto traders, other than the obvious UAE.

Cyprus introduced a flat 8% income tax rate this year, which seems like great news for active day traders. Are there any other countries worth considering?

I had a refeed day today and I feel freaking awesome man.

I’m 6ft 2 and weight 80kg, my goal weight is 75kg. My diet is to eat 2200 calories a day, walk 10k steps everyday and go to the gym to lift weights 5 times a week. I noticed I was feeling extremely exhausted recently so I listened to my body and ate 4000 calories today and man I feel good. I have no regrets! I’ll probably walk 20k steps instead of 10k steps for a few days to make up the extra calories but that’s it.

I thought I’d share this, I never knew food could make me this happy

I’d like to watch the England game on Wednesday at Toca Social. I’ve had a look at their tickets and I’m a bit confused, for example the early bird tickets say “entry before 5:30pm”.

Do they really expect people to arrive before 5:30pm when kick off is at 8?

As the title says, how do I meet a potential person? I have a lot of love to give to a Somali queen but I haven't been friends with one since uni days so it's been a couple years (I'm 25 now).

Other than cold approaching which I'm not a fan of, what are other ways?

Sourveniers and normal skins are basically the same and they can be used together to trade up. Why not invest in sourveniers skins? I think Sourveniers will be more valuable than normal, you can even scrape the stickers off.

Hi,

I have the Soundcore Q20i and I love the bass. I would like to make the Q20i headphones my gym headphones so I need new headphones for when I am at home working. Which headphones should I buy?

I am thinking of investing in the newly released Soundcore Space 2, what are your thoughts? Is this a good upgrade?

Hi,

I have the Soundcore Q20i and I love the bass. I would like to make the Q20i headphones my gym headphones so I need new headphones for when I am at home working. Which headphones should I buy?

I am thinking of investing in the newly released Soundcore Space 2, what are your thoughts on this?