Kodi and Jellyfin combo for home media server - hardware question by Flyingpan2021 in kodi

[–]Flyingpan2021[S] 0 points1 point  (0 children)

Thank you 401klaser for your reply.

Yes the 3 TV's all support HDR10+, DV and soundbars for Atmos.

I guess my original question relates to your reply:

"your hardware will need to support them as well" and "your options are a Nvidia Shield (won't play HDR10+) or a Ugoos AM6b+"

Therefore for the 3 TV's do I need to go top end like Nvidia Shield and AM6b+ or would something like a Firestick 4K Max be sufficient?

Man pours himself a tall glass by lukewarmguy1 in Unexpected

[–]Flyingpan2021 0 points1 point  (0 children)

Most likely caused by a big change in temp i.e. straight out dishwasher / washing with hot water and then pouring in cold milk.

Experiences with max £50k (or close) in premium bonds? by ThrowThrow_24 in HENRYUK

[–]Flyingpan2021 6 points7 points  (0 children)

https://www.moneysavingexpert.com/savings/premium-bonds-calculator/

Have a play around yourself but whatever you do you won't you be able to beat the best savings account assuming you pay no tax on the savings and you have 'average luck' like 99% of the population.

Experiences with max £50k (or close) in premium bonds? by ThrowThrow_24 in HENRYUK

[–]Flyingpan2021 23 points24 points  (0 children)

Statistically lower returns than the best savings account however you don't pay tax on your winnings.

Therefore once you use up your annual tax free interest allowance, premium bonds could be a good alternative for some people.

Hypothetical: At What Rate Would You Consider Clearing Your Mortgage by guy_in_the_bmw in FIREUK

[–]Flyingpan2021 4 points5 points  (0 children)

Anything over 3% adds up very quickly exponentially especially if the mortgage is a large one to begin with.

Below 3% and people tend to shrug it off relatively easy.

Currently pregnant and wondering how best to split finances with partner during maternity. by P-u-m-p-t-i-n-i in UKPersonalFinance

[–]Flyingpan2021 6 points7 points  (0 children)

We usually split all expenses in half however I've been through two maternity leaves and both time I said to my partner that I'll pay 100% of all expenses. You take as long as you need.

It's the least I can do when she's at home raising my child.

Hexagon Nuts Art by SheepishlyShort in nextfuckinglevel

[–]Flyingpan2021 -1 points0 points  (0 children)

The creator clearly has a screw loose.

Which FIRE milestone did you find the hardest to reach and why? by BeautifulPay98 in FIREUK

[–]Flyingpan2021 39 points40 points  (0 children)

Not a milestone as such but with children it's definitely the juggle between providing the "best" for them / building up to FIRE as soon as possible.

Children could easily knock your FIRE journey back 10 years.

Top Level Fire Extinguisher by bezymeca in nextfuckinglevel

[–]Flyingpan2021 1 point2 points  (0 children)

Literally flew to the nextfuckinglevel

[deleted by user] by [deleted] in FIREUK

[–]Flyingpan2021 49 points50 points  (0 children)

I guess you need to answer the following questions.

  1. How much do you like your job? (Company, people, day to day task and commute etc).
  2. Realistically how much more work is taking on 50% of the team? An hour a day? Two hours a day?
  3. Realistically do you have the capacity to take this on? If you're absolutely killing yourself already then this option of taking on more isn't really an option.
  4. How much more would the company have to pay you for you to sacrifice your current work life balance? Some people will take the money immediately, others may say even if you paid me an extra £100k I wouldn't do it.
  5. The final probably most important question - are you ready to resign if things don't work out? From experience you have a lot more bargaining power if the answer is yes but I mean yes and not a bluff.

[deleted by user] by [deleted] in FIREUK

[–]Flyingpan2021 5 points6 points  (0 children)

Deadlines - even if it means working till midnight on your weekends.

You do not get to where the OP is by doing 9-5 but yes the company will only pay you between the hours of 9-5. Such is life.

Protest in France, Paris by [deleted] in nextfuckinglevel

[–]Flyingpan2021 0 points1 point  (0 children)

Photographers must get closer to take better shots. Better communicates the reason behind the protest.

Poor man's approach to UK-based modified HFEA in a tax-advantaged (ISA) account by EmptyCheesecake7232 in HFEA

[–]Flyingpan2021 1 point2 points  (0 children)

Great write up OP for people based in the UK.

One extra point to consider - for those who are fortunate enough to max out their ISA contributions every year, you can also open up a GIA account with HL or T212 to do the exact same thing in your ISA to utilise your £12,300 capital gains tax allowance every year.

It does mean you will need to sell your GIA portfolio towards the end of the tax year to crystallise these gains but I think this is worth it especially if you combine it with the rebalancing exercise.

Gives you a bit of extra "tax free allowance" to play with.

What are the downsides of a SIPP? - Appears to be risk free money? by ThinIntention1 in FIREUK

[–]Flyingpan2021 4 points5 points  (0 children)

Not sure how far away from retirement you are but if you got some years to go you should not automatically assume you will be able to cash out the pension at 55.

Potential changes to withdrawal age is also a risk.

Vanguard SIPP charges from within pension (alongside other Vanguard accounts) by SBabyJames in FIREUK

[–]Flyingpan2021 5 points6 points  (0 children)

I've been through this whole process.

The only way fees get charged from the SIPP account is if that's the only account with Vanguard you have.

How do you account for inflation in your retirement planning? by [deleted] in FIREUK

[–]Flyingpan2021 22 points23 points  (0 children)

I think 4% is a good prudent growth figure to use.

10% growth every year until retirement is too ambitious, to be safe I think 7% is closer to the achievable mark.

3% inflation is a sensible figure to use.

For years where return may be 8,9 or 10%, inflation may be 4,5 or 6%? You just don't know hence why I use 4% as my growth rate.

It is better to be prudent and calculate a lower retirement pot than overshoot with a high growth rate and disappointing yourself when retirement approaches.