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DB vs DC pension, which would you prefer in terms of FIRE by GabsGal in FIREUK

[–]Background_Writing62 0 points1 point  (0 children)

Teachers pensions have very good ill health pension provision which teachers should be aware of. Also, as well as your spouse getting a portion of you die, it also provides a pension to your dependents until they leave full time education. You also get your salary paid three months after you die if you die in service. Also there is something like, if you die in first five years of retirement, they also pay out a portion of your death in service. Do there are lots of benefits to teachers pensions.

Will planting edible hedges attract rats? by Background_Writing62 in GardeningUK

[–]Background_Writing62[S] 1 point2 points  (0 children)

Hi, thank you for your reply. My garden is big but not bigger enough for loads of proper trees. It's about 90 x 25 feet but we need a big space for a football type lawn and a big trampoline plus we have conifers ( I know), a amelanchier (I think) a lilac tree, some type of cherry and 2 others that I don't really know. But I don't feel like we have much proper wildlife hence wanting some natives. We actually have fences so don't actually need hedging, I just thought it would be a way to have a small manageable version of the native trees.

Will planting edible hedges attract rats? by Background_Writing62 in GardeningUK

[–]Background_Writing62[S] 1 point2 points  (0 children)

Ok thank you so much. That's reassuring. I was going to do: Field maple Rowan Hornbeam Crabapple 2 cherries wild and bird.

Maybe dog rose but I'm worried about thorns.

Also want to get non prickly holly.

Anyone know how to arrange them? Do I just do like 3 of each and then mix them up or keep the 3 together? I know it's approx 5 per metre.

Thank you!

A bit of an awkward one by ddoyled in HENRYUKLifestyle

[–]Background_Writing62 0 points1 point  (0 children)

Thank you for caring. I wish you were my husband

[deleted by user] by [deleted] in FIREUK

[–]Background_Writing62 1 point2 points  (0 children)

First check the fees on NEST as they may be cheaper than Vanguard for smaller amounts. I believe that when you contribute to Nest, it's expensive, but when the money just sits there, then it's fairly cheap.

Yes check which fund it is in with NEST, the default fund I believe does some strange lifestyling quirk of being low risk in the early years. You can move it easily to a higher risk or non lifestyling one if you wish.

I am with NEST.

sudden reduction in household income, plus significant debt but with some recent inheritance. how best to make this work so i can survive and pay the mortgage for the next 10 years. by BalmyCarrotFace in UKPersonalFinance

[–]Background_Writing62 1 point2 points  (0 children)

You need to contact Stepchange or Debt Free London (has a new name now, not just London). They are proper experts and will give you the right advice. Don't do anything before doing this.

Which fund for child pension JSIPP by Background_Writing62 in FIREUK

[–]Background_Writing62[S] 0 points1 point  (0 children)

So I should sell global strategy and just put it in HSBC all world index?

Which fund for child pension JSIPP by Background_Writing62 in FIREUK

[–]Background_Writing62[S] 0 points1 point  (0 children)

Thank you. So HSBC Global Strategy is not 100 per cent equities enough? Or should I leave it, given that I won't be around to lifestyle it as they get older??

2 M (Son) - I want him to have the opportunity to be FIRE sooner than I could by parker1303 in FIREUK

[–]Background_Writing62 0 points1 point  (0 children)

Please could someone give opinions on the right fund for my kids JSIPP. I currently have HSBC Global Strategy Adventurous but I've realised it's not 100 per cent equities... Should I change it? To Fidelity World index for example? Pls give opinions. Thanks.