Gio Castellan

Stay on the electoral roll somewhere legitimate if you possibly can. It is the quiet backbone of your credit file, and after two years of no registration I found myself failing identity checks for things that had nothing to do with borrowing money.

Consequential damage is the clause that catches people. A covered oil pump fails, the engine is destroyed, and the payout is a pump.

Hybrid worked best for me: a six month base with two or three one week trips out of it. I got more actual new places that way than the year I moved monthly, because the trips were real trips instead of relocations.

The introduce and leave move is the one. I have used it for years and people thank me for it afterwards, which was not what I expected.

'Evenings are for code, days are for the business' is the actual insight here. My product was stuck for a year because everything customer-facing needs daylight.

The prepaid interest number swings on your completion date and nothing else. Complete near the end of the month and you owe a handful of days. Complete near the start and you can be paying for nearly a full month up front. It is not a saving as such, since you pay for the days you own the place either way, but if cash on the day is tight it is a lever you actually control.

Radio off and one window down for the whole drive. It feels rude and it is where half the useful information is.

Ten minutes round the block is a soft refusal in most cases. Some sellers are genuinely nervous about insurance and that is fair, so offer the alternative: you will pay for an independent inspection at a garage of your choosing, and you will drive it there and back. A seller with a good car says yes to that immediately. A seller who says no has answered a different question.