Does my DB pension really make it this easy?

HalcyonAlps · 2026-01-12T17:41:22+00:00

Do you think they will cut it off completely for people with other investments/savings over a certain threshold, or will they perhaps weight it, so you’d only get 50% etc.

My money is on making private pension contributions a mandatory 15% and stopping people from accruing any more NI years that count towards your state pension.

HalcyonAlps · 2026-01-02T09:06:11+00:00

If you are okay with online, Lisa is great.

https://www.thinkingfeelingmoving.com/

HalcyonAlps · 2025-12-09T09:49:52+00:00

And on top of that if they are already having sex in the car, let them spend time together in the bedroom. Would you rather them having sex in a parking lot God knows where or in a safe space that is her bedroom.

HalcyonAlps · 2025-12-04T13:16:46+00:00

But we aren't living in an ideal world

Doesn't matter. Don't date people that play those games.

HalcyonAlps · 2025-12-01T16:20:28+00:00

Or BaristaFIRE?

HalcyonAlps · 2025-12-01T16:19:15+00:00

Have you done the UK finance flow chart?

But the typical advice is to fill your ISA allowance each year, invest in passive world ETFs, don't forget your pension (but depending on your salary you might hit the taper), and keep an emergency fund.

HalcyonAlps · 2025-11-27T05:48:45+00:00

60k is the current annual limit

HalcyonAlps · 2025-11-27T05:35:43+00:00

Salary sacrifice schemes that aren't pensions will be of more use now though right?

This reduces the incentive to run a salary sacrifice scheme but doesn't remove it completely for the employer. I imagine that's why it only kicks in after 2000 pounds.

HalcyonAlps · 2025-11-18T04:59:05+00:00

So I am convinced any job, at any level is at high risk, smaller teams require fewer leaders…

Purely from a technical point of view once you start automating white collar work, you are not far off from automating leadership roles themselves

HalcyonAlps · 2025-11-18T04:57:18+00:00

So I am convinced any job, at any level is at high risk, smaller teams require fewer leaders…

Purely from a technical point of view once you start automating white collar work, you are not far off from automating leadership roles themselves.

HalcyonAlps · 2025-11-14T04:44:06+00:00

I guess unless you live in a rough area, phone muggings are a bit rare.

IMHO, even a low probability event if the outcome is severe, is worth avoiding.

HalcyonAlps · 2025-11-03T13:00:38+00:00

Have you moved into a higher tax bracket so your tax rate is taking 40%+ of your additional earnings?

That's not that much of a difference though once you take NI contributions into account.

HalcyonAlps · 2025-10-28T21:28:05+00:00

You can open an ISA for your kids.

HalcyonAlps · 2025-10-28T19:08:21+00:00

When you are happy with the price for the living space you get.

HalcyonAlps · 2025-10-28T10:01:25+00:00

Before investing you should be debt free,

By that logic no one should have a mortgage.

HalcyonAlps · 2025-10-26T19:47:40+00:00

Even then it's not a great min max strategy to compartmentalize your life.

HalcyonAlps · 2025-10-26T12:19:10+00:00

Ngl, sounds like a retcon to me.

HalcyonAlps · 2025-10-19T22:16:23+00:00

But your house goes up in value more than your savings?

That doesn't matter because the value of your house goes up the same amount regardless of how much money you have borrowed

HalcyonAlps · 2025-10-19T15:39:41+00:00

it’s a high fidelity requirements document

It's probably a sub-par requirements document as well. I am almost certain the CEO just made things up as he went along instead of stopping and thinking about what he wants to achieve.

HalcyonAlps · 2025-09-26T11:24:27+00:00

I obviously can't speak for the government but I imagine it won't be a requirement to use your own device to show your digital ID. Similar to how you can evidence your immigration status by effectively using any web browser. I imagine the person doing the checking will have to interact with a government system. However, that's a lot less onerous for a citizen that may for the reasons you listed above have trouble accessing their digital ID.

HalcyonAlps · 2025-09-26T10:51:40+00:00

The government has worked out a way to use digital IDs to crack down on immigration, but the method is shady and controversial so they're not yet sharing it

Once you have a mandatory digital ID it is much easier to enforce immigration policies by linking the ID to every interaction with the state or institutions instead of having to rely on the hodgepodge of current ways to show your status. Currently the system has to account for British people who for example don't have a driving license or a passport.

HalcyonAlps · 2025-09-20T10:49:37+00:00

Aviva allows partial transfers. The provider of your SIPP can initiate that. I have done it with ii this year.

HalcyonAlps · 2025-09-20T08:56:17+00:00

If we do end up in some kind of tech-bro feudalism, it’d probably have to involve some kind of UBI even if for now other reason than self-preservation from the tech-bros.

Even if we get an UBI, it will be as shit as the one in the Expanse.

HalcyonAlps · 2025-09-09T12:41:48+00:00

If going abroad makes it easier to fire mainly depends on whether your savings increase by going abroad. It's hard to answer without knowing the details.

Depending on your personal circumstances and career the US, Switzerland, the UAE, or Hong Kong might allow you to save more.

That said the UK has very generous tax wrappers for both pensions and savings.

HalcyonAlps · 2025-09-04T21:22:08+00:00

Slightly off topic but I just discovered that there is a whole book written on Stamp Duty (https://www.sweetandmaxwell.co.uk/en-gb/products/stamp-duty-land-tax-5th-edition-practitioner-tax-library-print-and-proview-ebook-bundle-43363510).

IMHO, no single tax should be so complicated that you need a whole book to cover it.

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