What lesson(s) did you learn too late in life ?
- Thread starter kingrollo
- Start date
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Slick
Guru
Apologies if this has been covered as I haven't read the previous pages but for me, my biggest single lesson is only fools and horses work.
It is now with some regret that I spent too many years with my head down and arse up (as they say) that did bring some success but it's only really when I finally stopped to look up, I realised there were lots of other options.
It is now with some regret that I spent too many years with my head down and arse up (as they say) that did bring some success but it's only really when I finally stopped to look up, I realised there were lots of other options.
Shearwater Missile
Veteran
+1 here too but luckily swapped over to repayment. I should have listened to a pal of mine in the 1980s and he worked for a Building Society.
neil_merseyside
Guru
- Location
- Wirral
So you've gone from having a mortgage half covered, to having a x2.5 bigger loan debt not covered in any way?Ha - I got caught by that one too!
I had a crappy endowment mortgage for £24.5 k. The performance of the investments became so bad that it was looking like I would get about £12k at maturity rather than the £24.5k needed + a £15-20k bonus promised.
I ended up getting compensation for being mis-sold the mortgage and cashed the endowment in. I switched to an interest only mortgage and upped it to £60k. The interest payments on that turned out to be less than those on the endowment mortgage!
ColinJ
Puzzle game procrastinator!
- Location
- Todmorden - Yorks/Lancs border
No, I went from a loan which was costing me a lot of money which I would could not afford and which would mean me selling my house there and then, to having a pot of cash and a mortgage which cost me less for a few years and then I sold my house, during which time its value had increased by more than the extra that I'd borrowed!
I also sold my useless endowment policy for about £12k, and got compensation for the crappy deal that had been foisted on me. And before anybody suggests that I knew what I was taking on at the start of all of this... I had specifically asked the bank AND the insurance company what would happen if interest rates fell and the deal was not as great as promised. I was told that the highly unlikely scenario was that my mortgage would be still paid off but I would only get half of the bonus pot. Absolute worst case scenario (so unlikely as to not be worth even thinking about) was having enough to clear the mortgage but only a small bonus. No mention whatsoever of ending up with no bonus and half a mortgage debt to clear.
slowmotion
Quite dreadful
- Location
- lost somewhere
….that I should have learned to programme in C when I was 25 rather than now.....
Do you need any pointers?
vickster
Legendary Member
Why not? Find something else to do with your time, volunteer for example
Do you need any pointers?
I am not sure many people will get that, although there are many people on the forum with an array of skills.
There are a fair few star characters on here, I'm sure some will get the reference
Shearwater Missile
Veteran
I worked for 42 years and ended up as you say "into a machine" and was only too glad to retire early. I will admit though the first couple of months I tried to get everything done as quickly as I could ( the old work adage). The best piece of advice I was given is to spread jobs out, it would`nt matter if a job wasn`t done until tomorrow, who would worry. If you are able to retire, do it. As some one also said to me years ago "You`re a long time dead". He too is right.
ColinJ
Puzzle game procrastinator!
- Location
- Todmorden - Yorks/Lancs border
So, you spent too much time on R&R and not enough on K&R***!
***What... nearly £40 for the paperback version on Amazon!!!!?
Dec66
A gentlemanly pootler, these days
- Location
- West Wickham
You are lucky, in life, if you can count on having two or three friends who will love you, unconditionally, and who you can turn to at any time in your life and be sure that they will be there for you.
Beyond that, you usually have an echelon of about five or six who are good, solid, dependable friends. However, for whatever reason, there are thing about you that you wouldn't share with these five or six friends that you would with your very closest ones, for whatever reason.
Everyone else is an ale mate, a team mate, or a colleague.
Beyond that, you usually have an echelon of about five or six who are good, solid, dependable friends. However, for whatever reason, there are thing about you that you wouldn't share with these five or six friends that you would with your very closest ones, for whatever reason.
Everyone else is an ale mate, a team mate, or a colleague.
