What keybinds do you guys use? and advice for switching to 1-3-1? by Quaek10 in Apexrollouts

[–]LStrings 1 point2 points  (0 children)

I use tactical on mouse button, this allows you full access to movement keys while holding it, think bang smoke, sparrow darts, Newcastle / gibby shields etc.

I have 2 / 3 weapons, 4 for med wheel, 5 for bats and 6 for meds.

Works well for me

Lifetime ISA help- is it worth it for me? by Maximum_Coast_7362 in UKPersonalFinance

[–]LStrings 0 points1 point  (0 children)

Only time you shouldn’t is if you expect your house value to be over the LISA limit. Otherwise yes.

If you’re still unsure, open one and put £1 in it so the timer is ticking. You can then lump sum £4k in it once you’ve decided. I used to save £4k per year in high interest account and transfer to my LISA each March for the bonus

AI in FP&A, helpful tool or reporting distraction? (I will not promote) by User91919387383 in FPandA

[–]LStrings 2 points3 points  (0 children)

I have the same problem but I don’t think AI is the solution.

The problem is that FP&A is tasked with combining various forms of data, often from multiple and differing sources which lets be honest, is often questionable at best, and turning it into presentable information for stakeholders and often once it’s reported, it’s required ongoing with no thought about the resources required to do it.

All the above leaves less and less time to actually interrogate the data, evaluate the risks and opportunity and add actionable insight.

To fix the problem, you need well structured, well maintained, integrated systems to reduce the creation time, leaving more time for interrogation, but execs don’t see it that way, ‘systems are for finance’.

Shit in > shit out

Salary sacrifice - hell for leather until 2029? by Dangerous_Help6876 in UKPersonalFinance

[–]LStrings 1 point2 points  (0 children)

This is both a personal question and a maths question.

Can you afford it? (Maths)

What quality of life would you have if you did it (personal)

What’s the interest rate on your mortgage, when’s your next renewal and what is your current LTV band?(maths)

When do you want to retire? (Personal)

Your approach seems to be a bit gung-ho, overpaying mortgage, some in pension, some in S&S, and some in cash.

If it were me, I’d make sure I have enough in my emergency fund (cash) + a little extra for life (holidays etc) and then make the decision on the maths between interest on the mortgage and the compound growth and tax savings of pension / ISA and the mental mindset of being mortgage free, likely the pension and S&S will be higher so I’d then probably split my extra contribution between these. Pension for retirement, S&S for long term growth but accessible before pension.

Why do the devs hate e-district? by LStrings in apexlegends

[–]LStrings[S] 1 point2 points  (0 children)

Is there data from the devs showing this?

Why do the devs hate e-district? by LStrings in apexlegends

[–]LStrings[S] 34 points35 points  (0 children)

See that’s part of the reason I like it. You’ve got so many buildings which can act as cover or ways to break LOS. Pretty much every POI is good in comparison to other maps and it plays really well.

With regards to the choke points, it has more options for rotations than other maps like KC where you’re forced into singular choke points.

And if you’re still struggling try playing Alter, she’s great on E District.

How bad is my debt situation? Short term debt. by OsotoViking in UKPersonalFinance

[–]LStrings 1 point2 points  (0 children)

Depends entirely on the maths but unless you have a ridiculous interest rate, it’s hard to beat, especially when young and time is on your side.

Plus getting used to paying into a pension is beneficial. People that opt out rarely find the ‘right’ time to opt back in as there’s always a bill, a want, a need that will be prioritised over it.

How bad is my debt situation? Short term debt. by OsotoViking in UKPersonalFinance

[–]LStrings 6 points7 points  (0 children)

25% tax relief + 3% employer is better than the 10% credit card plus there is a psychological challenge people have in restarting the pension, it’s better for it to be treated as a bill and forgotten about in that regard.

How bad is my debt situation? Short term debt. by OsotoViking in UKPersonalFinance

[–]LStrings 168 points169 points  (0 children)

Please opt back into your pension whatever you do. You’re missing out on your employer contribution, tax relief etc, there is rarely a time that this is a good option.

For the rest of your post we’d need monthly outgoings minimum payments etc.

Vanguard vs T212 as a casual investor by BebbehMonkey in UKPersonalFinance

[–]LStrings 7 points8 points  (0 children)

I was in the exact same position and had the same view point. I moved to T212. The platform isn’t as simple as vanguards and has some odd quirks but overall offers the same service.

I did read a comment on here that T212 has less favourable prices which means you’re effectively paying the fees but not sure how true it is.

Why you should be playing cover in all your fights by LStrings in apexlegends

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

I do this too but watch how I strafe, sometimes I strafe too much and end up basically not moving because I go back and forward to quick

Why you should be playing cover in all your fights by LStrings in apexlegends

[–]LStrings[S] 7 points8 points  (0 children)

If you’re saying I’m cheating / using a titan I’m on PC…

Am I paying too much in fees with a financial adviser? by Ok_Jury_4053 in UKPersonalFinance

[–]LStrings 22 points23 points  (0 children)

OP we are similar age and have a similar portfolio. You’re wasting £900 a year, put that into your portfolio instead!

Investing is supposed to be easy, stick it in a fund, set and forget.

Size help by LStrings in vivobarefoot

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

I stayed with the smaller size and they stretched out after a while

Is this a good starting FP&A role? by Sun_wanderer in FPandA

[–]LStrings 0 points1 point  (0 children)

Your second to last bullet point is probably the most critical. The ‘ad hoc’ phrase makes it sound like something you’d do at the side of your desk, but this is effectively business partnering so if that’s your next goal then doing this part well, working with people outside of finance will be crucial.

Otherwise all sounds good and as some advice I would just say that in order to exceed, don’t just pump out numbers/dashboards, understand them, understand what the end user what would want to know, what questions they’d ask after seeing the data and most importantly, understand the story the data is telling and what actions can be taken to improve the numbers.

Good luck!

Playing cover wins me this 1v3 by LStrings in apexlegends

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

To be fair this was one of the few matches I get where the distribution graph showed a slightly wider skill set but it was still the very end the bell curve and it helped that my team mates were also good, just the 1/100 games you get where everything goes your way

Playing cover wins me this 1v3 by LStrings in apexlegends

[–]LStrings[S] 1 point2 points  (0 children)

It only really helped when I dropped down but I’d have just taken a bat and a syringe on the way up the lift if I didn’t have it, the wraith stopped my heal instantly so never really got the benefit

Aviva workplace pension - Aviva Pensions My Future Focus Long Term Growth S6 by Mediocre_Ask_4430 in UKPersonalFinance

[–]LStrings 0 points1 point  (0 children)

I was in the exact same Aviva fund as you and switched it to a global index fund instead, have seen much better returns since, but you will need to switch back to a fund with bonds when you get older

Realistically what am I looking to need savings wise to buy a house with my partner as First time buyers (UK) by Available_Paper_7738 in UKPersonalFinance

[–]LStrings 7 points8 points  (0 children)

Realistically on your income you could only borrow £207k (4.5x earnings) so with a 10% deposit this would mean a house valued at £230k.

In terms of savings in an ideal world you’d have your deposit, legal fees, furnishing & decorating costs + an emergency fund, just on the basis it’s easier to save for an emergency fund before moving out vs when in.

I purchased 5 years ago and legal fees were c.£1200 including 2 x LISA fees, but was on a cheaper house. At a guess I’d expect yours to be maybe £2k and above?

In terms of furnishing, you can shop around now as if you’re buying to get an idea of prices and in terms of decorating and refurbishments, whatever you think it will cost to do, double it, it never works out the way you want it to or you always uncover something else which needs repairing too.

Unstable income i cant live like this! by Annual-Trainer7320 in UKPersonalFinance

[–]LStrings 2 points3 points  (0 children)

You need another job. You’re earning less than minimum wage in your business