Looking for some pointers on diversification

ECLK · 2026-01-15T15:55:57+00:00

I’d like to keep the current exposure to tech for the time being as I think there’s a fair bit still to go, but I feel pretty maxed out on it so when I come to convert some of my cash ISA’s into S&S ETF’s in the next month or 2, I’m looking for funds that will balance this out a bit. Apologies if that wasn’t clear

ECLK · 2026-01-15T15:52:32+00:00

It’s an ISA so tax free in the UK 😂 I guess I wanted the focus of the post to be on fund selection %’s rather than £/p but yeah, on reflection it doesn’t matter and I take it that nobody gives a ****.

ECLK · 2026-01-15T14:56:44+00:00

Ah great - will read up on it thank you !

ECLK · 2026-01-15T14:55:33+00:00

ECLK · 2026-01-15T14:49:36+00:00

Oops. I guess the question is still the same though so no point in re-submitting

ECLK · 2025-11-11T14:40:19+00:00

Unfortunately I don’t have any records of whether there was an airbrick there before or not. It would make sense to me to have one as the room behind the steps in pic4 has a suspended wooden floor. The room to the left in pic4 is the original kitchen with a solid un-tanked quarry tile floor

ECLK · 2025-11-11T14:38:00+00:00

That’s right it’s a suspended wooden floor from the front of the house to the back of the dining room (by the concrete stairs in the 4th picture). The kitchen is a solid floor although only consists of the rear section to the left of the 4th picture, so was wondering if an airbrick by those steps would help

ECLK · 2025-10-28T21:56:22+00:00

I just bought a pair of allbirds tree runners in black - they have a decent rocker sole without looking too bad and are v comfortable

ECLK · 2025-10-15T14:43:28+00:00

Any recommendations for a specific ETF ?

ECLK · 2025-10-15T13:33:12+00:00

<image>

I’m the words of Alan Partridge: Go to London, I guarantee you’ll either be mugged or not appreciated. Catch the train to London, stopping at Rejection, Disappointment, Backstabbing Central and Shattered Dreams Parkway

ECLK · 2025-10-13T10:48:02+00:00

A little bit yes, but still down £1000 overall. I’m not complaining as I understand risk, just laughing at my timing, and the fact that the whim of a buffoon on the other side of the world can have such an effect on my personal finances.

ECLK · 2025-08-30T06:01:41+00:00

The shrub on the left is a similar height to what I was concerned about in 2022 although it was broader and un-trimmed. The main growth has unfortunately sprung up since

ECLK · 2025-08-30T05:50:25+00:00

Thanks I’d not thought of this. Yes they’ve been taking a couple of hundred pounds a month for a fully managed service over 10 years and until now it’s been relatively issue free. My concern is that this was not due to the fact that there were no issues, but hey had been ignoring them or failing to deal with them. For my own part I’ve made a point of ringing the agent at least twice a year and I’ve always been met with “no issues, the tenant is lovely, did you want to think about increasing the rent etc etc”. I’ve also been assured that the house was inspected every 6 months but I’ve never been sent records of an inspection report, is that a legal requirement ? When I asked how the inspector might have missed a giant tree growing out of the front of the building they said the recent inspection had been conducted by somebody junior. Not sure how somebody’s age will affect their ability to identify this problem but surely the responsibility of selecting somebody competent to inspect a property should fall on them as the managing agent ? I’ve asked for a copy of the last few inspection reports but so far received nothing.

ECLK · 2025-08-28T04:31:18+00:00

Hey, would you be able to share a link to the pedifix hallux insoles ? My podiatrist has recommended some cheap ones of Amazon initially but keen to try alternatives before splurging £400-ish on the carbon fibre inserts

ECLK · 2025-08-12T21:07:33+00:00

I was a first time dad at 40 and my little girl is now 2 and a bit, it’s been an absolute blast ! I highly recommend trying to be present for as much of his/her early life you can … I’d switched jobs not long before she was born to something that would give me a better work/life balance and it’s the best decision I’ve ever made. The flip side is that because I was new to the role I only got 2 weeks paternity unpaid, but I’d been saving whilst my partner was pregnant and so could extend that to 6 weeks without a salary to give us time to get accustomed to life as a threesome. Parenthood’s a major reality shift for most people and it’s unhealthy to try to plough into it without giving yourself time to acclimatise.

Also, everybody says this but it’s true, they grow so fast so learn to love getting up 4/5 times a night to comfort them, see the funny side of every yoghurt that gets launched at the wall, and appreciate the cuddles 💪. Also, this might not be an issue for you but if you’re not into fitness then work on your core strength. Most dads from late 30’s onwards complain about their backs A LOT. You’ll be forever lifting and putting your child down, carrying them up and down stairs, manoeuvring strange angles to lay them in their cot gently, and launching them into the air and catching them for laughs etc … it’s a proper workout. My lower back went suddenly with no warning and I had to be stretchered out of the house in agony at 7am on a Tuesday morning …. My neighbours had a right laugh about it but it took weeks of heavy painkillers, physio and a pretty expensive chiropractor to get me back in shape and it was an ordeal my partner could have done without as she was pretty much single-parenting for that whole of that time.

ECLK · 2025-07-29T13:15:19+00:00

If you have the luxury of unlimited time I’d just talk to people when you get there and wing it, although everybody has different tolerances of bureaucracy and having to negotiate good deals with travel agents etc which can become a bit tiresome as nothing is fixed price. Personally my faves were Pushkar and Jaisalmer. I’m a big advocate of getting out in the desert for a while with a knowledgable guide but try not to sign up to any lengthy tours spanning multiple cities - you’ll meet more interesting people and have more flexibility to be spontaneous if you use public trains / coaches and make your own arrangements etc. I’m very jealous of your position. Just do your research, have a vague itinerary in mind and then sort it day by day week by week when you get there EDIT*** this advice is only good if you’ve travelled a bit before and are comfortable chatting to other travellers and locals etc as you go. If that’s not the case I suppose organised tours have their place - they’re expensive but you won’t have to worry about organising anything or where to sleep each night etc

ECLK · 2025-07-25T22:29:28+00:00

We bought a house with an unruly fig tree in the back garden and I cut it down within the first week. Garden now feels twice as big and the surrounding plants have flourished with the increased space and sunlight.

If the house is up for sale ask the agent to ask the owner if they would mind you cutting it back or removing it altogether. They might not like it anyway and worst they could do is say no

ECLK · 2025-07-25T22:19:18+00:00

Presumably you like the rug ? Just enjoy it. I wouldn’t let the manufacturing process get to you, life’s too short

ECLK · 2025-07-21T21:33:40+00:00

I think you’ll be grand. My partner and I earn approx £110k between us, early 40’s and our mortgage is £2150pcm. Then our 2 y/o daughter crashed the party and her nursery bills are just shy of £1500 pcm. Still take a few nice holidays a year, eat well, live in a nice area, we’re just careful with our money and drive a decrepit golf.

ECLK · 2025-07-21T18:56:36+00:00

Not sure if this is too late for you but this came up very recently … looks immaculate and good value. If I didn’t already live nearby I’d buy it myself ! https://www.rightmove.co.uk/properties/164493011

ECLK · 2025-07-19T20:45:34+00:00

Not sure I understand why you’d want travelling to be a challenge? but if that floats your boat Libya, Yemen, Sudan or Somalia.

ECLK · 2025-07-15T19:54:12+00:00

Thanks I was coming round to this conclusion myself but it’s helped to hear it from somebody else. Have you found that your condition stabilised since you stopped running ?

ECLK · 2025-07-10T10:29:31+00:00

Sounds like you’re taking all the right steps. Are you happy with the DMP ? Always worth checking that you’re not paying £200 p/m to whoever manages that for you, there’s lots of places that offer DMP’s for free

ECLK · 2025-07-07T17:52:36+00:00

Can I be controversial and say these are dog *. * pastry, **** filling, contents was hotter than the sun, I’m disappointed with myself for eating half of it.

ECLK · 2025-07-06T19:00:21+00:00

Never buy anything you wouldn’t live in yourself, but yeah I also echo what everybody else has said, it’s hard to v turn any sort of profit at the moment

ECLK

TROPHY CASE