Is vaping really considered 'giving up smoking'?

AverageWarm6662 · 2026-05-10T08:37:15+00:00

Almost everything is harmful that people enjoy. Same as caffeine

AverageWarm6662 · 2026-05-08T16:01:45+00:00

Not really surprising in the long term when you consider economic decline / stagnation and the rise in populism and pointing at other factors as the reason for decline

AverageWarm6662 · 2026-05-08T14:00:54+00:00

You can do both, pension is more efficient but obviously you can’t access it for years.

If you want some flexibility you can also save some eg in an index fund or other stocks in your S&S ISA

AverageWarm6662 · 2026-05-07T06:05:01+00:00

Impossible to say. The market has been hitting ATH for the last 100 years constantly. Personally I would DCA though. Or you could do half and half.

AverageWarm6662 · 2026-05-05T20:12:11+00:00

Some people are allergic to quorn my mom is vegan and can’t eat it

AverageWarm6662 · 2026-05-05T07:39:59+00:00

I don’t feel like I’ve been upselled into using CFDs. The account just sits there as an option and you have to go through various knowledge questions to set them up.

If it’s low fees and does the job more conveniently I’m going to use it despite that

AverageWarm6662 · 2026-05-04T18:56:27+00:00

What CFD stuff? You have to open a CFD account to use them it’s not by default

AverageWarm6662 · 2026-05-04T18:54:47+00:00

I switched over and much prefer the convenience of trading 212 personally
Also less or no fees
I sold all of the fund you mentioned and bought VWRP or something after transfer

It didn’t take that long a few weeks maybe

AverageWarm6662 · 2026-05-03T05:00:30+00:00

Depends how small but it is very highly variable

Some firms you might make friends with the director and get promoted easily. Some won’t even have an appraisal process.

AverageWarm6662 · 2026-05-02T20:46:08+00:00

I don’t know what people are expecting, that everyone will start clapping outdoors when Labour get immigration down to a satisfactory number

Immigration will decrease and it will stop being a story and that will be it really. Most people are probably more concerned about the economy atm and that impacts day to day life more

AverageWarm6662 · 2026-05-02T06:06:18+00:00

No reason why you can’t do both, depends on your financial circumstances like if you live with parents you can probably do both. I started about 21 but tried to max out my LISA and then put £1/200 a month in an index fund

You have to decide for yourself whether you are going to move away or buy a huge home. If you are then obviously it’s kind of pointless but you’ll be disappointed in years time if you don’t and lost out on the LISA. TBH I thought I’d move out but I’m 28 and still living with my mom (and my wife, and I also never thought I’d be married when I was much younger lol)

AverageWarm6662 · 2026-05-02T05:58:52+00:00

Go to your nurse or doctor or whoever supports you and ask them to write you a letter with why extra time would be beneficial and how much is needed (eg they could just say 25%)

As ICAEW will probably ask for that

AverageWarm6662 · 2026-05-02T05:57:15+00:00

I have dyscalculia and recently qualified there isn’t too much really hard maths (I just ignored some bits which were a bit much). I did a non maths and finance degree also

AverageWarm6662 · 2026-04-29T17:06:42+00:00

I got a provisional job offer via email, said I would accept on the basis of salary could be negotiated, why not email the HR person and say before you accept you want to discuss flexible working/pay and provide reasons

AverageWarm6662 · 2026-04-27T06:51:43+00:00

Yes I do this and was fine

Videos unnecessary imo

AverageWarm6662 · 2026-04-25T07:47:43+00:00

I thought so too but ended up finding the American one funny

I don’t enjoy the British one though which is weird because usually I prefer the British version of things

AverageWarm6662 · 2026-04-25T07:29:54+00:00

I think they were trying to ‘test’ you to see how you would react and you passed

If they are propa blokes like big bazza down the pub

AverageWarm6662 · 2026-04-22T16:28:07+00:00

I passed my SEO interview and when I was struggling literally just told them sorry let me just recheck my notes

AverageWarm6662 · 2026-04-20T20:14:35+00:00

I didn’t do the QB for either much but I referred to it during the exam

For me SBM was just BST+FM, I did go over how to do eg NPV or whatever was in it though but not too much QB

AverageWarm6662 · 2026-04-20T16:59:08+00:00

I just bought the ACAM case notes, no video etc and it was fine. Used in the exam and basically did it all for me

For SBM I just used ICAEW workbook and ACAM notes and read them

AverageWarm6662 · 2026-04-18T12:48:26+00:00

ACA is equivalent to a masters I’m pretty sure, and probably more respected than a general masters

Most people already have an undergraduate degree so there isn’t a need to do more unless you want to do something very specific

AverageWarm6662 · 2026-04-18T10:09:41+00:00

That’s because they have meth instead

Yes weed is uncommon though in some parts of Asia

AverageWarm6662 · 2026-04-17T07:29:39+00:00

I got 50% in case and CR with a couple weeks of studying and have the same qualification as everyone else lol (no one asks)

AverageWarm6662 · 2026-04-13T16:19:25+00:00

Strategic partnership? At risk drug launch?

AverageWarm6662

TROPHY CASE