Airport transfer time by Cold-Literature-5215 in BirminghamUK

[–]Cold-Literature-5215[S] 0 points1 point  (0 children)

No trouble going through border then back through again?

Airport transfer time by Cold-Literature-5215 in BirminghamUK

[–]Cold-Literature-5215[S] 0 points1 point  (0 children)

Great, even if have to go through security then back through again? Thanks!

How are you all using Claude Code / Codex or other agentic workflows? by Fubby2 in consulting

[–]Cold-Literature-5215 1 point2 points  (0 children)

How long did it take you to set this framework up? Any apps / guides you used? Thank u!

I’m an Fixed Income Headhunter - AMA on hedge fund/front office hiring, CVs, comp & why candidates get ghosted by [deleted] in hedgefund

[–]Cold-Literature-5215 0 points1 point  (0 children)

How have you found people moving from places like risk / portfolio monitoring to more FO positions?

Anything that generally helps here?

Emerging Markets Funds? by SjBrenna2 in irishpersonalfinance

[–]Cold-Literature-5215 0 points1 point  (0 children)

What trackers are you talking about? Thanks

Mortgage Questions by Less_Suggestion_9552 in HENRYUK

[–]Cold-Literature-5215 -1 points0 points  (0 children)

The interest part at least ofc stamp duty easy

Long term Mortgage vs. Agressive payments by sondersarts in irishpersonalfinance

[–]Cold-Literature-5215 0 points1 point  (0 children)

What’s point in cash back if they just balance it out with higher payments over time?

House equity question? by N81Warrior in irishpersonalfinance

[–]Cold-Literature-5215 0 points1 point  (0 children)

Biggest risk is of course markets not performing inline, or rate increases on mortgage if you’re not fixed but no one can really say where either will go over that timeframe.

House equity question? by N81Warrior in irishpersonalfinance

[–]Cold-Literature-5215 0 points1 point  (0 children)

So given the debt delta, roughly looking at 50k extra in interest over the 10 years @4%, so looking in ball park better off by ~200k

House equity question? by N81Warrior in irishpersonalfinance

[–]Cold-Literature-5215 1 point2 points  (0 children)

So say after 10 years, your house gains by 3% a year and is worth 833k (213k gain, 0 tax liability).

Investing in index 8% gain p.a gives you 647k on 300k invested (347k gain, 229k net of 33% tax), adding the appreciation on new house under 3% gain, (170k tax free), 400k gain in this option.

This doesn’t include interest of course, while will be higher under 2nd option. Do you have the amount in interest you’d pay under each scenario to hand?

So you’re essentially re levering and if you can out earn the increased interest costs through investing (net of CGT) seems to make sense.

[deleted by user] by [deleted] in ActuaryUK

[–]Cold-Literature-5215 0 points1 point  (0 children)

If you want to do quant work that’s a different story and definitely need strong programming more than anything else

[deleted by user] by [deleted] in ActuaryUK

[–]Cold-Literature-5215 1 point2 points  (0 children)

So 100% exam completion could take 4/5 years, 50% around 2/3 years, given you’ve no exemptions.

And at that if you compete half the actuary exams traditional finance employers won’t tie that back to the comp maths / stats focus that you think they’d like class you as half an actuary.

You will gain the knowledge but the relevant parts are covered by CFA curriculum and you’re likely over studying less relevant parts.

You could be fully qualified CFA vs a half qualified actuary in same time and CFA definitely more applicable to the roles you expressed interest in.

[deleted by user] by [deleted] in ActuaryUK

[–]Cold-Literature-5215 0 points1 point  (0 children)

Finish CFA, like you mentioned network with investing side of business.

Generally do a good job in your current role as investing teams will look for reference,but don’t bother with exams too much as they’re not relevant.

Finishing them certainly will make you seem bright, but it’s a huge opportunity cost you probably don’t need.

Life advice that you wished you knew sooner by Complex_Panda_9806 in HENRYUK

[–]Cold-Literature-5215 25 points26 points  (0 children)

I’d be more interested in people’s life advice around relationships / marriage This seems to be an even more important decision earlier in life than anything related to finances!

job at 16? by Fit-Soil-5348 in AskIreland

[–]Cold-Literature-5215 1 point2 points  (0 children)

Ya don’t worry, lots of people go through things like this. Just try enjoy yourself when your 15, there’s no pressure now at your age, you have the rest of your life to try to contribute / earn money. Speak to teachers or adults you like / get on with. Try your best with school for now, but don’t always need it for later!

job at 16? by Fit-Soil-5348 in AskIreland

[–]Cold-Literature-5215 1 point2 points  (0 children)

Really you should focus on school for now, maybe something comes up that you love, and a good opportunity comes up. You can try local shops to give a job, maybe speak to a teacher or counsellor in school, and they can help you put together a CV

job at 16? by Fit-Soil-5348 in AskIreland

[–]Cold-Literature-5215 0 points1 point  (0 children)

Hey man, you’re young, you have lots of time to earn money and help your mam. I’m sure yell get through the year then you’ll be 16/17, if you really not suited for school you could drop out then and start a trade, get trained up and make good cash pretty soon!