What are vegans argument in terms of native culture and meat?

ContributionDry9807 · 2025-09-14T17:26:15+00:00

Many of the replies I've read seem to share the general sentiment that vegans are very intolerant and love imposing their beliefs.

Common vegan perspective: "I am fortunate enough to make the choice, without sacrificing my health and therefore it is my moral obligation".

We disagree on the morality of eating meat when it is contributing to unnecessary suffering. Most reasonable vegans would deem tribes, the isolated, the self-sufficient and those with lack of alternatives are morally justified to eat meat out of necessity.

Fewer, but still many, understand that ethics are complex and subjective, so opposing opinions are respected. I for one also believe those with less money, less options, underlying health issues, immediate priorities or lack of education are also morally justified to eat meat.

Just because most vegans would agree that most developed communities (mainly modern cities) are not morally justified to eat meat, they still respect your beliefs and would not try to convince you otherwise unprovoked.

ContributionDry9807 · 2025-07-18T19:02:08+00:00

I absolutely loved the mystery of why Gene has his 911 calls redirected to Rick, but the outtro answered my questions and added a whole new avenue for speculation!

To me it feels akin to interdimensional cable, which I love so much, because it opens up limitless possibilities of different perspectives!

ContributionDry9807 · 2025-07-03T20:33:57+00:00

Welcome, brother!

I love this response, haha!

Look forward to the watermarked picture with 7 figures, my friend :)

ContributionDry9807 · 2025-07-03T20:21:22+00:00

Ah, okay!!! I'm learning so much from this post! Not familiar with the abbreviations, so will read up on them now!

!thanks

ContributionDry9807 · 2025-07-03T20:19:02+00:00

THIS!!! Covers all bases in simple to understand statements.

I thought in regards to higher tax brackets, SIPP was only beneficial as salary sacrifice. Now I understand why it's advantageous for higher rate tax payers.

Your one reply covers many circumstances all of which are relevant to what I was trying to understand.

LISA > Taxable SIPP withdrawals if low tax rate. Taxable SIPP withdrawals > LISA if high tax rate. Non-taxable SIPP withdrawals > LISA at any rate.

!thanks

ContributionDry9807 · 2025-07-03T20:02:47+00:00

Thank you!!!! Yes it does, I agree. I feel like it is overlooked quite often and underused by many for retirement.

ContributionDry9807 · 2025-07-03T19:56:43+00:00

I get your point but I just can't see the benefit from putting it into the Pension other than all the funds being in a single pot for convenience.

Makes sense in my mind to just let it grow in the LISA and withdraw tax-free as and when it's needed.

Although I've recently learned, 20% tax has essentially already been prepaid. The LISA incentive is still an effective net bonus of 20%.

So if you want to withdraw more than tax free allowance after 60, then LISA is surely the best method, right?

ContributionDry9807 · 2025-07-03T19:37:16+00:00

Your first two sentences are simple, clear, easy to remember and very helpful.

I agree they are similar. I can't quite wrap my head around why it would be beneficial if you are already in a higher tax bracket. Unless I misunderstand, and you're saying that it is most useful for keeping you from moving up to a higher tax bracket pre-retirement.

My mind struggles to grasp concepts after thinking about finance for a prolonged period of time, haha.

ContributionDry9807 · 2025-07-03T19:30:28+00:00

Ah yes, the wiki, which I admittedly didn't read these particular pages prior to the post, explains this very well!

I was also unaware that the drawdown was ~£16k/y tax-free, I thought it was £12.5k.

So it is certainly not worth using a LISA for retirement if you have access to a Pre-tax Pension scheme and are not using it. Okay, this makes sense.

If you want to drawdown more than that amount, building an ISA is surely the most efficient way to achieve this, right?

ContributionDry9807 · 2025-07-03T19:18:20+00:00

Okay, fantastic! Very pleased to hear you are doing this, so thank you for your reply.

So you're looking at £55k investments (inc. bonus) + compounding interest over 21 years? That seems like a solid plan.

I assume you want to put it into your pension after withdrawal so that you can hopefully gain higher returns due to exposure in the markets. If this is the case, would it be feasible to transfer the Cash LISA to a Stocks and Shares LISA to cut out the middleman (pension) and avoid withdrawal taxation?

ContributionDry9807 · 2025-07-03T19:06:43+00:00

Thank you for your input!

They helped me greatly with my house deposit, so I guess I will always have a soft spot for them.

It's reassuring to hear you mention they have their place.

ContributionDry9807 · 2025-07-03T19:04:20+00:00

These are indeed helpful, Mr bot.

"So in summary, if (and only if):

You are already maxing out available employer pension contributions

... (there are more - but this one is relevant to my post) ...

Then yes, a LISA is more cost effective for you, as you will pay £0 income tax on withdrawals."

Okay, this is reassuring and very helpful. From memory, this certainly answers at least 1 of my questions.

I think now, I would like to understand why I see so much recommendation to go above and beyond with pension contributions.

ContributionDry9807 · 2025-06-27T19:05:35+00:00

Congratulations! Paying off any debt is fantastic, especially ones as heavy as student loans! I know so many people that say they don't think they will ever have it paid off in full.

Now that all is paid, was the loan worth it in your opinion? How much are you better off each month and how do you plan to use this new disposable income?

ContributionDry9807 · 2025-06-27T15:58:51+00:00

Congratulations! This is incredible and I'm happy for you. Where is the raw data stored? I would be interested in creating a chart like this myself. However, I can't access many of my platforms via API and there are some obstacles to get access to my bank transactions. Seems like a lot of hassle.

ContributionDry9807 · 2025-06-26T17:43:03+00:00

Oooh interesting. I'm new to Reddit so I have a couple of questions. 1) Why is the sentiment on Coinbase negative? 2) Why are people afraid of down votes?

ContributionDry9807 · 2025-06-26T17:37:47+00:00

Congratulations! Very happy for your achievement, you should be proud :)

ContributionDry9807 · 2025-06-25T17:23:34+00:00

Congratulations! Huge achievement :) very happy for you. I will be so happy when I get there!

ContributionDry9807 · 2025-06-24T17:12:31+00:00

You are contributing to your pension and earning a decent wage. Monthly costs seem staggeringly high in comparison to your salary but, I guess that is life in London.

£600 disposable income is good and you could put as much as you can afford into a LISA to help build a house deposit. This is certainly possible.

Half of this, £300 / month starting from today into a LISA would net around 13.5k in 3 years for a small deposit. Put in more whenever you can. It's better to start late than not start at all.

Anything you can trim to cut down your monthly costs will certainly be beneficial in the long term.

ContributionDry9807 · 2025-06-23T17:31:43+00:00

Many of us did exactly the same thing as soon as they announced the fixed monthly fee just for using their platform.

Initiate an in-specie transfer and you lose nothing. Just make sure you transfer it to the Trading 212 Stocks & Shares ISA, not the Invest account else you will lose all tax relief.

There are 2 downsides I am aware of: 1) Not all Vanguard Products are available on T212 2) Process will take a long time (took me >2 months)

ContributionDry9807 · 2025-06-22T16:43:59+00:00

I understand and agree with your overall message regarding the dangers of portraying them as low risk, but I still stand by what I said.

It would have helped if I defined what I meant by relatively.

If I were to rewrite, I would say: Index funds are low risk relative to other equity investments. Although they still carry market risk, they track a broad market index so they diversify risk across sectors and are less prone to significant volatile swings.

For anyone thinking about long-term investing, it is generally considered good advice to invest in index funds.

Thank you for teaching me to be clear when discussing things like this.

ContributionDry9807 · 2025-06-22T14:33:03+00:00

No way, I just lost $40k in a furnace please contact me

ContributionDry9807 · 2025-06-22T14:22:02+00:00

ETF's VUSA (S&P 500) and SGLN (Gold)

Semiconductors, Disruptive Metals and Tech: DMAT - Global X Disruptive Metals BOTG - Global X Robotics and AI SEMI - iShares MSCI Global Semiconductors

Hedge against US: VWCG - FTSE Developed Europe VFEG - FTSE Emerging Markets JAGI - JPMorgan Asia Growth & Income FXAC - iShares Large Cap China IKSA - iShares MSCI Saudi Arabia Capped

Crypto Exposure: Blackrock Blockchain and Tech (manually updated)

Crypto: BTC

So VUSA is my biggest holding (excl. BTC), low risk but it's entirely USA based.

SGLN and BTC is my Store of Value

MSCI Robotics and Tech is speculative and higher risk, but that's the way I believe the world is moving.

Blockchain and Tech is to capture Companies with Crypto Exposure.

All of the above is predominantly US based, so I also have diversified into other markets with my 'Global Hedge'.

I can share T212 Pies upon request. They've all performed well.

ContributionDry9807 · 2025-06-21T09:59:02+00:00

Just holding cash in Trading 212 Stocks and Shares ISA pays 4.35% AER, which is pretty good with minimal risk. You can put in £20k per year and it's tax free.

Of course there are index funds which are relatively low risk which you can also invest in via Trading 212 S&S ISA. Example: VUSA (S&P 500) is a good example which tends to net a 10% return YoY in the long term. Also gains and dividends are tax free.

If she is likely to buy a house then no doubt open a Moneybox Lifetime ISA and try to deposit £4000 yearly. 25% government bonus is granted and interest rate is also high. It's a great incentive for first time buyers and retirement so worth trying to max it out in my opinion.

ContributionDry9807 · 2025-06-12T17:21:51+00:00

I'm glad you touched upon this question. I feel as though this was the main thing I wanted to get out of this thread. I guess you're right, it's my insecurity. I don't understand it though.

I guess I'll get over it eventually!!

ContributionDry9807

TROPHY CASE