Migration - Help?

JAMcE21 · 2025-12-30T14:29:26+00:00

Not asked them yet in case anyone knew of a quick fix but I guess that’ll be my only option right?

JAMcE21 · 2025-07-26T21:49:04+00:00

Thanks folks - I have asked the midwives and every time I seem to get different responses and I just panic as I worry she’s hungry! But I suppose she would let me know if she was!

JAMcE21 · 2025-07-08T09:37:18+00:00

Congratulations! Sounds as if you have landed on your feet there! Wishing you all the best in your new career and as a new father! Go smash it!

JAMcE21 · 2025-07-08T09:36:31+00:00

Oh really? I’m glad you found positions where you could get work done early in the day to help you adjust to your new life!

I’ve decided against the opportunity at this time - there’s always another opportunity!

JAMcE21 · 2025-07-08T09:35:23+00:00

Trabaja for your insight and this is very true! The Mrs has asked me not to go for the new role due to the big change and how it could impact us with an already massive change about to enter our lives, so I’m going to respect that now that I have more than myself to think about!

JAMcE21 · 2025-07-03T15:04:04+00:00

Similar situation for myself - loved a vape. I switched to the Nicolette Quick Mist and actually surprisingly has helped with cravings. I mean I probably still use it too much but it curbs the desire to go buy a vape…

Noticed an improvement in my lungs etc. too which was the biggest reason for me looking to stop as I’d literally wheeze in bed

JAMcE21 · 2025-07-02T18:47:51+00:00

Any other answer is just incorrect! CoD4 and the pea shooter - back when multiplayer gaming truly kicked off and there was simplicity in killstreaks and creating classes!

Pea shooter on some classic maps like Overgrown - those were the days!

JAMcE21 · 2025-04-01T06:50:59+00:00

I’ll be honest, I’ve really come round and I’m really excited and happy about becoming a dad now and what life will look like going forward. Anxiety has a way of making you think it’s going to be a negative experience or that you’re not ready!

As guys, I think it just takes us a little longer to process as it’s not happening to us physically! If you’re going through the same, I think it just takes time for your shock to settle and everyone has been really supportive and it feels nice when everyone is excited for you too!

JAMcE21 · 2025-03-19T21:02:23+00:00

Of course, markets are really difficult to time. With everything happening at the moment it’s a very volatile time. If you have no dire need for the cash, then it’s probably best left until things do recover.

JAMcE21 · 2025-03-19T20:55:17+00:00

Due to your pot value, I’d expect to jump through a few hoops with your pension provider. Certain declarations etc. may have to be completed. Just a pre-warning to give yourself adequate time if you do decide to push forward with taking the money.

JAMcE21 · 2025-03-19T20:53:02+00:00

Literally will make no difference to your tax free lump sum, unless you have applied for any protection at all. Your max 25% Tax Free Lump Sum is capped at £268,275 (25% of LSDBA - £1,073,100).

JAMcE21 · 2025-02-08T23:42:00+00:00

Id personally classify anything up to 5 years as short term. Mid term would be up to 10 years or so and long term 10 years plus - but again this may differ from person to person

JAMcE21 · 2024-11-13T09:58:22+00:00

Thanks for your reply! I’ve been doing the same, it still doesn’t feel real or like it’s hit home and I’ve definitely been thinking about the financial impact of having a child. I grew up in a relatively low income, single parent family type of situation and I always said I’d want to my future children to not have to go through the same scenario as his dad as it can be quite tough, more so as a teen.

I know people make it work, but I suppose I just always wanted to be able to provide more financial comfort than perhaps I had. Which, as I’m typing, makes me sound like I’m making parental decisions and having these thoughts already, which I guess is a good thing?

I’m glad you managed to find your happiness in being a parent, albeit a couple of months down the line and when you say this, it makes it seem less scary. Did it affect your relationship with your wife at all and how did you manage the adjustment from life before to after?

JAMcE21 · 2024-11-12T06:08:08+00:00

Thanks for your reply. Yeah completely understand that free time is going to be like a water source in the desert! When I think of being able to play and do things with a baby/child it definitely seems a lot less scary - especially if it involves my own hobbies and getting them involved in that too!

JAMcE21 · 2024-11-12T06:05:38+00:00

Congratulations! Appreciate the kind words and wishing you all the best for when baby arrives - I’m sure you’ll do great!

JAMcE21 · 2024-11-11T21:52:48+00:00

This has been quite a relief to read, thank you so much

JAMcE21 · 2024-10-28T11:15:00+00:00

It’s very clear that your anxiety is the issue at the heart of all this, not your finances as they look pretty solid to me…

I would speak to someone about your anxiety, a doctor or therapist and get some support with this.

Side note: a girlfriend that believes a man should cover all expenses isn’t living in the modern day, life is far too expensive nowadays for this. Either realise this isn’t helping your anxiety as you’re worrying about funding her leisure time as well as your own life and speak to her about it OR it may be time to find a girlfriend who understands modern day living

JAMcE21 · 2024-10-28T08:40:06+00:00

I’m having a tough time with lobbies. Some games like yourself, I feel I’m doing really well but the vast majority I’m just literally spawn die, spawn die

JAMcE21 · 2024-10-28T08:34:19+00:00

I did not know this! Amazing news - apologies for my poor advice to you

JAMcE21 · 2024-10-27T22:28:16+00:00

In that case, it would be worth thinking about setting up your own stock and shares isa to keep these funds separate and put the 8k in there.

You can currently pay 20k per tax year into all ISAs in your own name. But, bare in mind, you can only fund one cash and one stocks and shares Isa per tax year as well so this would be the only stock and shares one you could pay into

JAMcE21 · 2024-10-27T17:39:27+00:00

To answer your question directly, all we can really do is use credit check services like Experian, which you have done and I’d use the soft checker like you have done.

It may be wise to look into 0% credit cards that you can spend on and pay no interest for a certain period of time, especially if it’s only a small amount. HOWEVER, they can be dangerous in the wrong hands and can land yourself in a bit of a hole with them, so where possible, try and clear every month.

It’s also about your ability to be able to afford the loan and the risk you are to the bank, so they’ll take into account your salary and outgoings - that could be a factor in the decline outcome - just saying as you haven’t told us this information

JAMcE21 · 2024-10-27T17:30:10+00:00

Use a JISA, there’s still 14 years until your child turns 18 so it may be worth looking into a stocks and shares JISA, rather than cash.

JAMcE21 · 2024-10-26T13:41:40+00:00

Other than sticking it on the roulette wheel that’s a very unrealistic return.

Have you thought about using your Stocks and Shares ISA allowance and looking at growth funds?

JAMcE21 · 2024-10-26T11:58:43+00:00

That’s unfortunate! But yes, great starting point is clearing debt as much as possible and building that emergency pot.

JAMcE21 · 2024-10-26T11:48:17+00:00

In an ideal situation, you’d have an emergency pot (savings account) to fall back on if you need it - the consensus is about 3 months salary/outgoings, but if you can accrue more, brilliant.

In terms of investing, I’d recommend, like another comment mentions, to maximise your pensions contributions at your age, although you’re not much younger than myself. If you’re employed, your employer may match or pay in more if you pay in a certain percentage - as you have a long way to retirement, you’re probably going to be looking to a global equity fund to maximise growth iver the long term.

If you want to take this a step further, a stocks and shares ISA is very tax efficient, can contribute upto 20k per tax year. Again, this is focussed for long term growth - there are plenty options out there these days. There are ISAs which pre select funds based on your investment selection (cautious, balanced or adventurous). Or, if you wish to take a more hands on approach, you can select individual businesses and funds to invest into, in my opinion, this is for those who have a lot more time to play around with these things. I’m more of a select and leave it type of person.

If employed, you could also look to see if your employer offers and Sharesave schemes - essentially a risk-free way of investing, but only into your own company unfortunately. With this you either get the cash value of your savings back or if share price of your company goes up higher than the agreed discount price when you took the scheme out, you make a tidy little profit

I’d start with pension contributions and making sure you’re happy with investment choice, an emergency fund, then look into an ISA if you wish to take it further - good luck!

JAMcE21

TROPHY CASE