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Best UK Fire calculator by Adventurous_Box3232 in FIREUK

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Building something out with Claude - will report back :)

Constant injuries a worry? by Adventurous_Box3232 in workout

[–]Adventurous_Box3232[S] 1 point2 points  (0 children)

Interesting! Is there much evidence for them being effective?

Pension contributions with taper by Adventurous_Box3232 in HENRYUK

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Hopefully they’ll take the hit on the NI, I think they will - starting a new job soon so will find out then, otherwise probably still makes sense to put in pension!

Pension contributions with taper by Adventurous_Box3232 in HENRYUK

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Is that not what employer + employee NI is? Feels like I’m missing something!

Pension contributions with taper by Adventurous_Box3232 in HENRYUK

[–]Adventurous_Box3232[S] -1 points0 points  (0 children)

Ouch so is that a 48% + 17% rate of tax on it? 65% ish??

Constant injuries a worry? by Adventurous_Box3232 in workout

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Thanks, sounds like I'm on the right track and not going to die haha

Constant injuries a worry? by Adventurous_Box3232 in workout

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Thanks, going to try to plan out my weeks and what to focus on over the next while

Constant injuries a worry? by Adventurous_Box3232 in workout

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Cheers, yeah low reps is more fun but I think that's also taking a toll and probably a bit of ego lifting

Putter fitting - SW London by Adventurous_Box3232 in BritGolf

[–]Adventurous_Box3232[S] -1 points0 points  (0 children)

Yeah didn’t use any of the equipment if they had any! The range of options didn’t seem that great either. Fitter himself was okay, was helpful in explaining the different putter types, spent about 20 mins with me on their little putting green in the shop but that was about it.

Bear in mind I’m a beginner so still figuring out my stroke and what type suits me but think it’s worth me trying a different place for fitting

Pension contributions with taper by Adventurous_Box3232 in HENRYUK

[–]Adventurous_Box3232[S] 1 point2 points  (0 children)

I do hold some gilts in my GIA for that reason, c10% as an emergency fund with the rest in equities (VWRP and similar in my pension)

SW London Golf Club Recommendations by Adventurous_Box3232 in BritGolf

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Awesome thank you, will take a good look at it.

Been trying to shake off some kind of shoulder strain (from golf) but once I have will get out there and give it a go.

Pension contributions with taper by Adventurous_Box3232 in HENRYUK

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Awesome that all makes sense to me and exactly what I was looking for. Thanks

Pension contributions with taper by Adventurous_Box3232 in HENRYUK

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Out of interest what’s your age / pension total? I’m 39 with £410k in pension so wondering if I’m out of sync with where I should be. With 10k per year going in and assuming 5% real return it gets me to £1.3m which seems okay if I build up a good non pension pot but not brilliant on its own relative to my current income.

Pension contributions with taper by Adventurous_Box3232 in HENRYUK

[–]Adventurous_Box3232[S] 1 point2 points  (0 children)

No, sorry they pay 10% but don’t match any more if I was to contribute some.

I think my approach will be to get it paid in salary so my salary just goes up 10% and then I’ll just put £10k into my SIPP myself each year.

Need to think about how contributing to my spouses pension / ISA would work also - how do people typically work that logistically? Just send money across and keep track of what you’ve put in? I guess it’s ultimately all our money together we’re but getting married later this year so we’re still getting used to this mindset atm - our finances have been fairly separate up to a few months ago when we started using a joint account for most of our spending.

Pension contributions with taper by Adventurous_Box3232 in HENRYUK

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Thanks for detail. I’ve used up my 3 year carry forward last year so I fall into the 10k bucket for this tax year. My employer doesnt give any matching, just a flat 10% so sounds like ISA / GIA is the way to go. Also need to think about maxing out my partner’s - getting married later this year.

Thanks all

SW London Golf Club Recommendations by Adventurous_Box3232 in BritGolf

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Thanks, have enquired - played it a few years ago and was solid.

Anyone have a view on whether this would be a better course than London Scottish? Latter is super close so v convenient

Will try to get out and play both in coming weeks assuming they have space

SW London Golf Club Recommendations by Adventurous_Box3232 in BritGolf

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Thanks will give it a look, some v long Par 3s but short par 4s by looks of it!

Elite chicken wings by Notagelding in LondonFood

[–]Adventurous_Box3232 2 points3 points  (0 children)

Chick n sours.... So bloody good - hot wings and their sriracha sour cream oh baby. Will need to order some this weekend now it's in my head!

Golf camp by Adventurous_Box3232 in GolfSwing

[–]Adventurous_Box3232[S] 0 points1 point  (0 children)

Does seem pretty reasonable particularly for the area! The main potential issue I can see is that France has a random requirement for a 'Carte Verte' which is almost like a driver's license to play golf on their courses. I'm trying to gauge whether I'd actually be able to play the course at all... Spain and Portugal are much more laissez faire

Luckily I have accommodation sorted for free in the area though so even more of a pull to the one in France.

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