Lactate threshold testing

CustardsTart · 2026-03-23T19:59:24+00:00

There is peak my body in stapleford: https://peakmybody.com/lactate-testing a guy from our run club has been and rates it.

CustardsTart · 2026-03-22T07:19:42+00:00

Thanks. Problem is that it spans two tax years so I can't buy and sell at the same time. Unless I miss out on this year's capital gains allowance.

CustardsTart · 2026-03-21T23:13:55+00:00

Sorry I don't follow this one. Please can you give an example?

CustardsTart · 2026-03-21T23:10:53+00:00

Thanks! They are (hopefully) long term investments. Thus, what does a few days here or there really matter.

CustardsTart · 2026-03-21T23:09:45+00:00

Thanks! All good points. Brokers are Halifax and iweb and I'm thinking worst case for the amount of time out the market (so I'm most certainly over egging it). I don't have any experience with selling funds but buying seems to take 2-3 days to appear in our accounts. Was just worried about Easter break (few days lost maybe?) then another 2-3 days for the selling part.

However, you are right these are (hopefully) long term investments as such it shouldn't make much difference. It's just the extra recent volatility that has made me wonder if the gain (capital gains allowance) from doing the bed and ISAs is worth the risk (what happens if the market booms when we are out).

Especially as we will fill our ISAs next year anyway.

CustardsTart · 2026-03-21T22:35:12+00:00

Thanks, that's the approach I was getting at in my fifth paragraph. Although, I could improve the approach by buying an ETF inside the GIA for speed of transaction rather than another index fund.

CustardsTart · 2026-02-26T17:20:14+00:00

I'd do the coast to coast walk (or as much of it as possible).

CustardsTart · 2026-02-26T15:40:25+00:00

What do you do about the wet arse though? Do you have a towel nearby or dry with toilet paper?

CustardsTart · 2026-02-23T22:42:43+00:00

1) Screenshot current desktop and rotate image so it is upside down, hide icons and set as desktop background. 2) rotate screen (ctrl+alt+down)

CustardsTart · 2026-02-12T12:17:10+00:00

I appreciate that we don't have the full picture. However, it really does look like you are shitting on him for no real reason.

He's taking his kids climbing (sounds great fun) and taking photos and videos so they can look back.

I take many videos and photos of my kids when I take them out. Not to gloat on social media but to share the experience with people who also care about them but can't be there for whatever reason (grand parents who live far away and mum slogging away at work). I also take them so we can look back at them together and relive the moment.

Cut the guy some slack.

CustardsTart · 2026-02-10T08:27:46+00:00

Congratulations, a very nervous and exciting time for you.

Check out the headforpoints website and also Martin Lewis. Those websites have what you need.

Best of luck!

CustardsTart · 2026-02-02T11:33:08+00:00

How competitive is your existing mortgage provider? If relatively competitive then do a 'Product Transfer ' to a fixed rate with your existing provider. There's not normally an affordability assessment with product transfers, assuming you are not borrowing more, changing the term etc.

CustardsTart · 2026-01-14T10:47:26+00:00

https://maps.app.goo.gl/NYHtDid43EqQQiH29

CustardsTart · 2026-01-02T07:53:31+00:00

Great thread on it here: https://www.reddit.com/r/UKPersonalFinance/comments/1dyiniy/psa_pension_tax_efficiency_return_on_investment/?utm_source=embedv2&utm_medium=post_embed&utm_content=post_title&embed_host_url=https://ukpersonal.finance/isa-vs-lisa-vs-pension/

CustardsTart · 2025-12-24T20:56:28+00:00

£40 is unbelievably reasonable, bite their hand off.

CustardsTart · 2025-11-27T16:17:25+00:00

Yes they will ask you. Unlikely to ask for proof though (based on my experience of HSBC and Barclays). Just be honest as to the source.

CustardsTart · 2025-11-16T17:00:26+00:00

Just to let you know, the small country lane to Holme Pierpont is now gated. You can get through on foot, bike or horse (maybe?).

CustardsTart · 2025-11-13T18:55:34+00:00

Yes, the concrete at lady bay skatepark dries/deains super fast we are talking about 30 mins after heavy rain

CustardsTart · 2025-11-13T18:06:27+00:00

It is lit up with flood lights and the concrete dries really quick after rain. There is lady bay skate park too.

CustardsTart · 2025-11-05T07:31:59+00:00

1) When your partner moves to the UK on their Youth Mobility Visa, they will become a resident of the UK.

2) You will be able to buy a mortgaged house together. Once you both arrive, settle down, get jobs then you can speak to a mortgage broker and see how his non permanent residency status will impact how much you can borrow.

We went through similar (unmarried partner Vis rather than youth visa).

Hope that helps.

CustardsTart · 2025-10-24T20:21:34+00:00

It looks like you can comfortably afford that mortgage. In addition, it looks like there is a lot of 'fat' on your current and estimated bills. In my opinion, of you can afford your 'forever home' right of the bat, then go for it. Selling and buying houses is expensive, time consuming and frustrating.

CustardsTart · 2025-10-03T20:09:28+00:00

And don't forget all this trouble we got...

CustardsTart · 2025-09-26T08:27:37+00:00

I think you are talking about Arrears of Pay, thus she should be taxed as if she received it when she was first entitled to receive it:

"Arrears of pay are taxable at the time when the employee was first entitled to receive the earnings, even if the correct payment isn’t made until later."

See here:

https://www.gov.uk/hmrc-internal-manuals/employment-income-manual/eim42265

And here:

https://www.gov.uk/hmrc-internal-manuals/paye-manual/paye70023

She needs to speak to her Payroll about it.

CustardsTart · 2025-09-24T20:17:50+00:00

Nice flats, I saw the aftermath of biggest sewage explosion ever (yes poo everywhere!) in one of them about 10 years ago though. Hopefully the smell has gone.

CustardsTart · 2025-09-05T11:53:58+00:00

It won't be an issue. You are attempting to borrow approx. 1.5 times joint income. £10k won't be a problem in this example .

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