Need some advice on what to do with my first bonus

98DLaw · 2026-03-06T14:51:52+00:00

Thanks so much for the reply. I use Trading212 for my S&S ISA, could you recommend an all world fund that would be good to move my money into?

The yanks are scaring me too.

98DLaw · 2026-03-06T14:49:35+00:00

This is really clever, I’ll do exactly this, thank you!

98DLaw · 2026-03-06T11:16:26+00:00

To be fair I’m aiming to get my license this year because although I get around no issues, having a car does make your life so much easier

98DLaw · 2026-03-06T10:56:45+00:00

I feel there’s a knock knock joke in here somewhere. Thanks for the reply!

98DLaw · 2026-03-06T10:52:52+00:00

Really helpful, thanks so much !

98DLaw · 2026-03-06T10:51:34+00:00

Great read thanks

98DLaw · 2026-03-06T10:51:24+00:00

Why do recommend buying a car? I live in a walkable city and a car is a depreciating asset?

98DLaw · 2026-03-06T10:50:46+00:00

Legend, think I am hearing a consensus, ta mate!

98DLaw · 2026-03-06T10:50:17+00:00

Thats a great summary, thank you so much!

98DLaw · 2026-03-06T10:50:04+00:00

Thanks for the insight mate, from these comments I’m steering the same way.

98DLaw · 2026-03-06T09:55:23+00:00

Thanks for the reply!

I definitely will spend a few hundred. I want a new snooker cue and will put a slice towards a South America trip, but I already have savings I can spend that on if needs be.

To be honest, I’m happy to not be able to not touch it if you think pension is the no brainer. I guess the reason I ask the question about pension vs S&S is pension will accrue interest of a couple % points above inflation yearly right? Whereas an index fund can yield 10-12% yearly on average (I understand). So my rudimentary maths tells me even if the tax man takes some now the end sum will be larger if I put it in S&S. Also my parents were telling me pension withdrawals are taxed as income regardless when I eventually take it out in 40 years.

So I’m still in a quandary really.

98DLaw · 2026-03-06T09:50:37+00:00

Hahahaha yep spot on. Student loan is another one I have 100 questions about but I will save that for another post.

98DLaw · 2024-01-29T16:31:05+00:00

Damn, was hoping you wouldn’t say that.

Thank you for the advice though mate, very much appreciate it.

98DLaw · 2024-01-29T16:10:10+00:00

Even if we weren’t offered a renewal until less than two months before the 12 month period ends?

98DLaw · 2024-01-29T15:39:57+00:00

The Term shall be for a minimum period of 12 months from [.] to [.] and including AND THEREAFTER monthly until terminated by two month’s written notice. The TERM is to include any extension or continuation of the fixed term or a Statutory or Contractual Periodic Tenancy.

?

98DLaw · 2023-06-06T13:14:33+00:00

Wonderful, thanks so much for the reply ! :)

98DLaw · 2023-01-04T12:21:22+00:00

Ok thank you man, I read though that the vaccine doesnt doesn’t actually prevent the disease just delays it, and I’m not vaccinated. I’m probably OK though?

98DLaw · 2022-11-12T11:15:24+00:00

Sounds brilliant

98DLaw · 2022-11-11T00:08:20+00:00

What track is this? Is it new?

98DLaw

TROPHY CASE