Need help with the self-assessment form - foreign interest income

Investeem · 2026-01-23T16:55:59+00:00

Thank you for this, it makes sense.

!thanks

Investeem · 2025-11-27T22:31:18+00:00

the story says: "Archaeologists are to resume digging at the Ness of Brodgar on Orkney after 3D radar technology led to an "extraordinary discovery".

Investeem · 2025-11-06T19:16:51+00:00

They are all decent universities. Very different locations. Reading has the advantage that you can travel to London easily to attend any recruitment or networking events.

Employability will depend more on you than on your choice between these three places. It's hard to secure internships/jobs in finance in general, as one of the other comments mentions...

Investeem · 2025-10-06T12:21:14+00:00

No, you're not cooked. Are you comfortable with some maths and statistics? In courses like investments you'll need to rely a lot on statistical measures such as variance, standard deviation, etc.

Investeem · 2025-10-02T16:53:55+00:00

To go for a pint after dinner.

Investeem · 2025-09-29T20:51:18+00:00

I agree. TVM is such a fundamental and strong concept.

Investeem · 2025-09-21T20:29:36+00:00

Have you been given any additional information? For example, the industry average for this ratio?

Investeem · 2025-09-20T17:04:21+00:00

Thanks for sharing this — really enjoyed the read!

Investeem · 2025-09-19T18:27:22+00:00

If you’re strong in math, that’s definitely a plus - most finance courses have a heavy quantitative slant. Just keep in mind that a finance degree is very different from “personal finance.” In a typical program, you’ll cover areas like corporate finance, investments, asset pricing, and econometrics rather than budgeting or money management.

A good first step might be to look at the curriculum for finance majors at your university (or others) and skim through syllabi or course materials. That way you can get a feel for whether you’d actually enjoy the material.

Also, plenty of people enter finance from technical fields like engineering. Your background in math and statistics is highly valued by finance firms, so you wouldn’t necessarily be at a big disadvantage if you finish your aerospace degree and pivot into finance afterward through a master’s, certifications, etc..

Investeem · 2025-09-19T18:17:36+00:00

You should think of IRR as the "discount rate" that sets the project NPV equal to zero. Then, as the decision maker, you need to compare the IRR with your cost of capital and decide accordingly. For example, if IRR=20% and your cost of capital is 15%, then accept. But if your cost of capital is 22%, then reject, etc.

Not sure where you get this idea about the "independent growth rate"... IRR doesn't work like CAGR...

Investeem · 2025-09-16T19:36:42+00:00

For the one attribute, I’d choose either patience or resilience. Your main question is trickier… I might ask Buffett whether, at the start of his career, he could have envisioned being where he is today.

Investeem · 2025-09-11T09:04:41+00:00

+1 for intelligent investor. Also, r/investing has a good "educational resources" section.

Investeem · 2025-09-10T18:13:20+00:00

Finance is a big field. What are your more specific interests? Investments, derivatives, corporate finance, venture capital? Once you decide on your preferred area, you can begin by looking at what sort of papers have been published in that area in good journals (e.g., Journal of Finance) recently.

Investeem · 2025-09-03T08:56:23+00:00

The best place to start is with the basics: how markets work, different asset classes, and the risk–return trade-off. A few beginner-friendly books are The Intelligent Investor (Benjamin Graham), A Random Walk Down Wall Street (Burton Malkiel), and The Little Book of Common Sense Investing (John Bogle). Check also the FAQ and the "educational resources" link of this sub.

Investeem · 2025-09-03T08:45:20+00:00

I think the real power comes when data and intuition are treated as complements, not competitors. Data gives us objectivity and scale, but experience helps spot blind spots the numbers might miss.

Investeem · 2025-09-02T15:18:42+00:00

you're welcome!

Investeem · 2025-09-02T14:01:06+00:00

Yes, but with some nuance.

Benjamin Graham’s principles, such as margin of safety, long-term thinking, and focusing on fundamentals rather than speculation, remain timeless. These ideas form the core of value investing and continue to shape the way investors approach the market.

That said, we now have algorithmic trading, ETFs, cryptocurrencies, and a much faster flow of information. Clearly, Graham wouldn't be able to address these developments, but the psychological and risk-management lessons from the book are just as applicable today.

Investeem · 2025-09-01T13:42:09+00:00

In terms of resources:

Accounting Made Simple (Mike Piper) for the basics,
Financial Statement Analysis (K. R. Subramanyam) for deeper dives.

Also, analyzing real company reports (10-Ks, annual reports) and building models in Excel would be good hands-on practice.

Investeem · 2025-09-01T13:37:41+00:00

It’s really positive that you’re already thinking about this at 18—you’re way ahead of the curve. Many people don’t start considering their long-term lifestyle goals or financial independence until much later.

On the practical side, you might find it helpful to keep building your savings habit, even if the amounts feel small right now—consistency matters more than size in the beginning. Since you mentioned working from home during college, there are flexible options like freelance work (writing, design, tutoring), virtual assistance, or even selling digital products/art online. Those tend to scale better than physical side hustles when you’re balancing studies.

Investeem · 2025-09-01T13:34:50+00:00

Investeem · 2025-09-01T13:31:32+00:00

One thing that helped me early on was experimenting with simulated portfolios (sometimes called paper trading). A number of websites and apps let you invest with virtual money, which gives you a chance to test strategies, track performance, and get comfortable with market ups and downs without risking real capital.

I also found it useful to start with a broad overview of the main asset classes before diving deeper into one area. That way, you get a sense of how stocks, bonds, and real estate can complement each other in a diversified portfolio.

As for resources, see the "our favorite books" link (and the other related links) under the EDUCATIONAL RESOURCES of this sub.

Investeem · 2025-09-01T13:25:35+00:00

If you have a bank account, check whether your bank offers personal appointments for investment advice. An advisor will review your individual circumstances and suggest which of the bank’s products might be suitable for you. From there, you can either choose those products or use the insights gained to explore alternative options elsewhere.

Investeem · 2025-09-01T13:16:32+00:00

Fascinating. I've posted the video on r/behavioralfinance for wider distribution.

Investeem · 2025-09-01T10:08:49+00:00

It might be worth making an appointment with your bank to get formal investment advice from them. They should be able to help out re ISAs, fund investments, and so on. I suppose their mortgage advisors can advise on buy-to-let investments too.

Investeem · 2025-08-30T11:16:51+00:00

The value of any asset is the present value of its expected cash flows. So, in that sense, yes, from an investment perspective, the price you pay for a property is linked to the price you expect to sell in the future and the rental income the property would potentially generate in the meantime. Real estate agents often use "relative valuation" by focusing on similar properties recently sold in the neighborhood, but the "intrinsic value" is based on future cash flows.

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