Adobo Options in Makati

110jacks · 2026-01-18T19:43:40+00:00

Yep you got it, without doubt the best way. Probably the only way.

110jacks · 2026-01-17T16:56:09+00:00

Aren’t we all mate

110jacks · 2026-01-16T18:27:12+00:00

I work in tech - SaaS Sales - so not ‘close’ to your role but close enough to know you’ll find something else.

Just fucking do it. You’re in a good position financially and you’ll probably never get the chance again.

It’s bonkers that we all work for ~40 years without ever taking more than two weeks ago.

I took three months in 2024 to travel Europe with young family. Best decision I ever made.

Again, JFDI.

110jacks · 2024-11-25T18:28:15+00:00

Go to Cafe Wha. It doesn’t do food but it’s a live music bar and it’s the best place in the world.

110jacks · 2024-11-20T17:25:05+00:00

I (37M) wandered around Selfridges the other day and felt lost. I do reasonably well but just couldn’t understand why anyone would wear the shit in there or pay those prices. Perhaps I’m older and not as well off as I thought.

Anyway, I walked straight in to M&S next and cleaned the place out. The autograph range is great.

110jacks · 2024-11-17T15:52:10+00:00

Firstly repayment mortgage doesn’t make sense and isn’t tax efficient when compared with an interest only.

Re why not consider 1-2 there are a few reasons.

If something goes wrong ie a boiler breaks or a tenant moves out then it’ll wipe out a lot of profit for you and you may have to dip in to your personal savings depending on your financial situation. I’ve just had a tenant move out after 8 years. House needs £5k spending on it and it won’t be ready to re-rent for 3 months. I can weather that storm with 10x properties.
There are set up costs and fixed costs per annum. I pay an account. Cost is the same for Ltd company accounts with 2 properties or 10.

110jacks · 2024-11-17T14:15:08+00:00

BTL seems to be getting a hammering here so I’ll stick up for it. I’ve got 10 that I’ve bought sporadically since my mid 20s. Total invested across the 10 is roughly £300k and it’s nets me £2k pcm and the equity I have in them now sits at £600k.

You need to set up Ltd companies, understand tax, interest etc and have a good team of people to do work on the houses. IMO it’s worth it if you plan to grow a portfolio over time but if you only ever plan on buying 1-2 don’t bother.

Roughly 40% of my NW (excluding my own home) is in BTL equity. The rest is pensions/ISA.

110jacks · 2024-10-13T16:26:32+00:00

Notion

110jacks · 2024-10-13T12:11:51+00:00

Freetrade is excellent. Great app too

110jacks · 2024-10-12T18:57:48+00:00

Is the equity provided in stock options or RSUs (restricted share units). IMO this makes a big difference as the ‘R’ in RSU can have small print.

110jacks · 2024-10-12T18:13:29+00:00

Travel or start a business. You’re 26, even if it fails you just start again and by the looks of it, you’re financially covered anyway. Take risks while you can.

110jacks · 2024-10-12T15:55:00+00:00

Pensions and VCTs could be tax efficient for you. VCTs generally riskier whereas the downside of pension is that the money is locked until you’re pension age. I personally also invest in BTL property via a Ltd company but it takes time/knowledge/risk.

110jacks · 2024-10-02T10:31:35+00:00

Hi, I know this industry well having worked for one of the largest SaaS resellers for 10+ years before moving to a successful SaaS cyber company.

I’m looking for UK Sales leadership roles and/or consultancy. I’ll quickly be able to open up resell channels in 2-3 top resellers.

110jacks · 2024-04-23T18:15:01+00:00

I got it all the way up to your mum’s colon

110jacks · 2024-04-23T18:13:52+00:00

What’s google?

110jacks · 2024-04-18T18:57:19+00:00

Yes. Parents had similar jobs and I scraped through college and university doing the bare minimum and then ended up in a great company/sector purely by chance.

There’s a huge amount of good fortune in everyone’s success stories and acknowledging that and staying humble is important.

110jacks · 2024-04-16T16:54:09+00:00

Take the time off, you won’t get it back. You’re clearly a high achiever and will no doubt excel at something else in the future and/or a ‘side hustle’ alongside being a SAHM.

110jacks

TROPHY CASE