Bridget Kirk

@Her_Nonymous_D When I closed a joint account, he had to co-sign, Santander UK. Perhaps the account in this post is one where she was an authorised user, totally different.

My time working in banking changed how I think about money in relationships. One call in particular never left me. A man called in to close a joint account. It was straightforward. He answered the security questions, confirmed his request, and within minutes, the account was closed. Just another routine interaction. Less than 15 minutes later, my phone rang again. This time, it was a woman. Calm at first, but confused. Her card had just been declined, and she was trying to figure out why. Because of how the calls routed, I ended up speaking to both of them that day. I pulled up the account and had to tell her it had been closed. She paused. Then said, “What do you mean? That’s my account.” And that’s the moment it shifted. I explained, as gently as I could, that it was a joint account. Either party has the authority to close it. No extra permission needed. What I couldn’t tell her was the part that made it worse. He had already transferred…

@omgsidewalks Hamnet is excellent. Also Never Let Me Go, dystopian and very dark, it left me feeling unnerved for days. Never Let Me Go share.google/lpzOw0tJImCfhX…

PLEASE recommend some movies that feel like therapy, please. Movies that make you realize so many things in life. Movies that make you cry so hard, that are gut-wrenching yet cleansing, and that gently remind you of your most vulnerable side

@PeterMcCormack I agree to a certain extent, but what do you think about the idea that people would pay higher prices because a higher salary means they can afford to. Coffee was £2.60 not long ago, now it's more like £3.50 & still the coffee shops are full. Just make sure it's decent coffee.

A minimum wage of £15 would end my coffee shop, it would have to close, as would many other businesses. I’ll explain for the economically illiterate. Staff costs are currently half our costs, a £15 minimum wage is actually more than £15 an hour for the company, because you have to add: - 12.07% holiday - Sick pay - Maternity pay if and when required - National insurance - Pension contributions These costs would mean the shop loses money because remember, energy costs are up, rates are up, regulations are up. Now you can pass these costs onto the consumer - that would mean charging a lot more for coffee, people won’t pay it. The likes of Starbucks and Costa can, because they have economies of scale. The independent doesn’t. Now the little socialist will say well this is your fault, if you can’t run a business that can afford to pay its staff properly, but the little socialist has never run a business and does not understand the dynamics. Now I could pay some staff off and fill those hours myself or reduce us to one staff member during certain periods - but this proves the point that a minimum wage costs jobs. There was a time when these jobs were done by kids, perhaps on the weekend, paid a lower wage, no holiday and no silly employment rights. Perhaps they were even paid cash. The dynamic worked and small businesses like this could operate. It was also a great first job. Sadly now it isn’t worth employing entitlement youngsters at this level of pay. So alas, I don’t need the stress, the business would close, a number of jobs would be lost. Economics is about understanding these dynamics, no vibes. The cost of living is not solved through passing on inflation to the business, it is solved by ending high inflation and creating prosperity. This is what socialists don’t understand, they can’t create prosperity, they can only destroy it.

@iky_fwjett If I had that kind of money, I'd simply gift it to my son, what he then decides to do with it is completely up to him. What's interesting is inheritance, only the child inherits, not the couple, but they can do what they want with it, so it's kind of the same scenario.

@lucki3stloser @100kDiary Exactly, plus value increases used to be almost guaranteed, now there's every chance you'll be in negative equity.

@Buz207 @100kDiary Totally there’s pros and cons. If you loose your job and can’t pay, whether it’s rent or a mortgage you’re still out on your arse. It’s relative

Unpopular opinion: The "flexibility" of renting is just a marketing lie used to keep you poor. "Flexibility" actually means handing over £16,800 a year to fund your landlord’s retirement. You're effectively paying 100% interest on a mortgage that isn't even yours. People claim they rent to avoid maintenance, but I’d rather pay £2,000 for a new boiler once a decade than £168,000 in rent over that same period. Stop paying a premium to stay mobile and start building your own security. Agree or disagree? 👇

@COENDS7221 @j_intradaytrade It's mentally hard to accept a small % when some keep running, I'll dip back in just as they change course, but with discipline I know it's possible and it doesn't take much time. Also life gets in the way, I get interrupted mid trade sometimes.

@j_intradaytrade Typically when I buy the stock immediately goes down (I’m being serious). How to fix this?

Scalping > day/swing trading I don’t know how this is even a debate Scalping gives you more opportunities, more R per week (if you’re good) And the biggest benefit is that you can make money no matter what the market conditions are looking like Is the chart going straight up? You can make money scalping longs Is the market consolidating? You can make money from the market going both ways While you guys are holding positions for 3 days then getting stopped out when Trump says something crazy Scalping >>>

@COENDS7221 @j_intradaytrade My strategy is to find a runner, wait for a pullback and a reversal, then take whatever profit it offers. Just 5-10% a day adds up to a fortune over time. I'm failing because I don't take profit when I should & let losers get worse instead of taking a scratch then over trade.

@TheH0n3stTrader Have we met? 😂

THE PATH TO YOUR DREAM LIFE: • Broke and confused.. knowing you can do a lot better. • Decide trading is your way out. • Turn $500 into $530 and feel like Warren Buffett. • Next day.. back to $200. • Discover leverage (worst mistake of your life). • Blow your first account. • Say “never again”. • Deposit again. • Watch 47 YouTube strategies. • Combine all of them into one cursed system. • Lose money.. but now with indicators. • Revenge trade. • Overtrade. • “This one will recover it all”. • It doesn’t. • Question your life choices at 2AM. • Consider quitting. • Don’t quit (you’re too deep now). • Finally learn risk management. • Take one clean trade.. and it works. • Feels weird not losing money. • Stick to only one strategy. • Become boring. • Stop chasing, start waiting. • Stack small wins. • Confidence comes back. • Account grows. • You withdraw your first real profit. • Suddenly this isn’t a joke anymore. • You control your time. • You trade like a sniper, not a maniac. • Peace > adrenaline. • Millionaire. • Buy a house in Thailand. • Living on an island with your wife. • Still checking charts “just in case”.

@clivesinclair The other channels, whilst free, spam you with adverts, perhaps that's why it's allowed, because they have a separate revenue stream. BBC radio stations are free and devoid of ads.

@Buz207 Yet to watch BBC iPlayer (legally), which is basically the same as commercial channel catchup services, you need a TV Licence?

£169.50 a year to watch the BBC. You can't legally own a TV in this country without paying it, even if you only watch Netflix. The BBC pays its top presenters over £1M a year and they've been caught lying about basic facts for the last decade. Try not paying the licence fee and you'll end up in court. The presenters never face the same consequence for getting it wrong.

@moving_charlie Yet people refer to them as greedy developers whilst they carry all the risk.

A full-blown crash in housebuilder stocks in the last 12 months. Plus, Crest Nicholson down -39% today on profit warning. The 5 largest UK housebuilders (by turnover) share prices fell over the last 12 months (to April 2026): - Barratt Redrow: -40% - Vistry Group: -42% - Taylor Wimpey: -23% - Persimmon: -3% (down -14% YTD) - Bellway: -18% The point: Home sellers clinging to high asking prices should ask themselves why these stocks have crashed. Simple answer: Demand for their product has crashed. Demand for new homes has crashed. Demand for 2nd hand homes will be affected.

@elonmusk It's a sign of advancement. Every creature on earth produces numbers of offspring based on survival rates. Also parenting is much more intense than it ever was and coupling up is harder, women are much more discerning in who they choose. For some it's simply a lifestyle choice.

This collective suicide of humanity needs to turn around!

@Simon7687928894 @trwsenti Subjectively maybe, it depends on your taste I guess. BBC do gentler programmes that Netflix would never do.

@Buz207 @trwsenti That's just your opinion and objectively false.

@clivesinclair @trwsenti They can watch other channels on catch up.

@Buz207 @trwsenti Other streaming services don’t want its customers to pay to watch other channels or services. Why should the BBC get money for people watching non BBC channels? The have been proven to be unbiased and protective of sex offenders!

@JustARandomZak @trwsenti They can watch other channels on catch up, but I take your point.

@Buz207 @trwsenti This is a rubbish take. It doesn't matter if they offer value for money. The point is, if someone watches other live TV broadcasts but never watches BBC, they are forced to pay a tv liscene for a service they don't use. If it's so great they should become a subscription service

@PlayBookTrades Today has been like picking a horse in the Grand National!

$WLDS Wearable Devices Announces Collaboration with Meta-Bounds to Enable Intuitive Neural Control for AR Glasses. 🔥 As market slowly flows out from the pre-market psychedelic movers, this one definitely has potential for a potential EOD move to $3.20 and more. However, $2.35 needs to hold and $3.00 needs to clear if not it is scalp city. Respect the levels and find your trade setup.

@NeilMatthams @SandyofSuffolk Oh really? That's interesting. But who checks things like planned developments in the vicinity, condition of the building, flood/fire risks, etc.

@Buz207 @SandyofSuffolk Can’t speak for rest of Aus but def not the case in WA. We’ve bought / sold 3 times and never had to engage a solicitor. Just a settlement agent. No such thing as “conveyancing fees”.

In 40 years of doing conveyancing, I've seen many people pull out on the day of, or the day before, exchange of contracts. It happens more often that you realise. It costs people thousands in wasted costs - searches, solicitors, valuation or survey fees, mortgage arrangement fees etc etc. Yes, we ought to adopt a different system - maybe a non refundable holding deposit taken at the time of offer. Only refundable on, say, bereavement, redundancy etc. It would make people think more before taking such a big step and letting down so many people in big chains.

@NeilMatthams @SandyofSuffolk I believe that surveys and legal docs like a 'search' are done prior to marketing in Australia, something we ought to do in the UK.

@SandyofSuffolk Having lived in 🇦🇺 for 14 years its insane to see how backwards and archaic the English system is. Once you sign the offer documents that’s it, you’re done and it’s very hard to pull out without significant financial penalties AND both parties agreeing. Just copy it. 🤷‍♂️

@magicdmw @SandyofSuffolk I was a cash buyer, it didn't give me as much sway as I thought, sellers still choose higher offers, but it was easier, and the interest payments at 5% was nice, though I had storage costs. Get everything in order before selling, safety & planning certs for example.

I’m about to put my property on the market, trying to decide which agent to go for. The first two contracts I read were very concerning, so discounted two agent’s already, which leaves 2 still to be reviewed. Also thinking of selling and renting in the area I want to move to for a short period of time, eliminating any chains and strengthening my position as a cash buyer to negotiate a lower price on my new property. It’s always very stressful, I’m hoping my strategy will make it less stressful and financially beneficial.