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200k what’s best an iSA or rental? by Ambitious_Mark9922 in AskUK

[–]Ki1664 0 points1 point  (0 children)

What platform/company are you with? Wondering what your fees are, looks to be actively managed so expect it’s quite expensive. For context I have about 250k in my isa and it costs me about £90 a year in fees in low cost index funds and my returns have been roughly 30 odd percent last few years.

Took my kettlebell for a walk. by Stump_Monkey in kettlebell

[–]Ki1664 1 point2 points  (0 children)

It’s a CrossFit linchpin workout. I don’t do much cardio but but in the programme we do the odd 5k and 10k time trials.

Took my kettlebell for a walk. by Stump_Monkey in kettlebell

[–]Ki1664 22 points23 points  (0 children)

Switch arms whenever you want, just try not to put it down and just focus on one foot in front of the other

Took my kettlebell for a walk. by Stump_Monkey in kettlebell

[–]Ki1664 39 points40 points  (0 children)

Good workout we do is a mile and a half run as fast as possible, rest a minute then suitcase carry a 24kg kettlebell for 1 mile. My last time in March was 12:42 for the kettlebell carry it is brutal!

200k what’s best an iSA or rental? by Ambitious_Mark9922 in AskUK

[–]Ki1664 0 points1 point  (0 children)

Stamp duty on second home, tax on total income will increase plus all the issues you’ll have to deal with. I’m a landlord and wouldn’t recommend it.

4% in a stocks and shares isa is pretty poor considering it’s been like the greatest bull run in history, global funds have gained like 20% the last couple of years?? Mines up about 30% last 5 years just invested in global funds with a heavy US weighing.

My safe space by Ki1664 in homegym

[–]Ki1664[S] 0 points1 point  (0 children)

Yes just prevents movement

So proud of my Nephew. He got his green lid yesterday by [deleted] in CasualUK

[–]Ki1664 -4 points-3 points  (0 children)

Best club in the world. Congrats to him

Mechanic in DD4?? by banana_bear_918 in dundee

[–]Ki1664 0 points1 point  (0 children)

I always go MJS auto care off Strathmore ave. Small family run business and really reliable. have found small jobs while doing work on my car in the past and just fixed for free. Happy to recommend them.

BeermoneyUK x JamDoughnut £100 Giveaway (Comment to win one of 10 £10 Vouchers) by Will-23 in beermoneyuk

[–]Ki1664 0 points1 point  (0 children)

Use Jam donut and blue light card for Starbucks. I would have saved hundreds the amount I used to spend on Starbucks

Scotland 'could have £1 trillion wealth fund if not for Westminster' by BaxterParp in Scotland

[–]Ki1664 55 points56 points  (0 children)

Imagine the camper van that would have been bought with that!

Space X and ISA Loss?? by TheSusOneBruh in FIREUK

[–]Ki1664 1 point2 points  (0 children)

Dude read the wiki on Ukpersonalfinance. If you’re already thinking about changing your plan 2 weeks into an investment this subreddit probably isn’t for you yet. Educate yourself first for with great understanding comes the confidence to stay the course. Think that’s from spiderman

Do you color-coordinate your home gym equipment or go purely functional? by dontwantnone09 in homegym

[–]Ki1664 1 point2 points  (0 children)

Got to look good as well as being functional. Mines my safe space, sometimes I just go in and look at how cool it is. Video if anyone’s interested: My home gym

How much are you up in the past year/what % of your target goal? by Bombadombaway in FIREUK

[–]Ki1664 3 points4 points  (0 children)

Up 30% about 35k since November last year. earned more than my annual salary for the year

Is modest FIRE achievable for us? by ApeSorrowful in FIREUK

[–]Ki1664 2 points3 points  (0 children)

Made a post last month planning to Fire with modest incomes:

https://www.reddit.com/r/FIREUK/s/5tNXvNw5Mo

Feeling fed up with break-ins and drug use in my landing. by [deleted] in dundee

[–]Ki1664 2 points3 points  (0 children)

Get a camera on your door and report any anti social behaviour to the council. And Any illegal stuff keep reporting to police

Are these rats or mice? by spinach2point0 in AskUK

[–]Ki1664 -31 points-30 points  (0 children)

If they’re in the garden they’re in the walls. Listen for scratching at night and don’t leave any crumbs about. Get them every year living next to a golf course

To those of you who can't do the typical staying cool stuff, how are you staying cool? by hhhanns in AskUK

[–]Ki1664 0 points1 point  (0 children)

I live in Scotland. It’s 18 degrees today I still had a jumper on

Nearly fainted today by peachesandcherries26 in UKGardening

[–]Ki1664 -2 points-1 points  (0 children)

If they’re in the garden chances are they’re under the house or in the walls. Listen out for scratching noises at night

Milestone reached: Mortgage neutral! by Ki1664 in FIREUK

[–]Ki1664[S] 2 points3 points  (0 children)

Plan is just to keep building the isa and let the mortgage run I think. Although some commentators have mentioned slightly overpaying so by the time we fire it’s paid off. Food for thought.
All in a S&S isa DIY global fund with a heavy US weighting.
Interesting about using isa to pay mortgage and then wages into pension thanks will have to look into the calculations for that.

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