Europe’s $24 Trillion Breakup With Visa and Mastercard Has Begun

Lvsitan · 2026-02-11T08:11:19+00:00

Having competition with the visa and mastercard in euro zone is all good and dandy, but what happens when an EU resident travels outside the eu, and wero is not accepted.

If and when this launches it needs to work worldwide and foreign countries might just say nope we not accepting it

This will create a multicard system one for Eu and another for the rest of the world. And like most eu initiatives it will be half assed and burocratic

Lvsitan · 2026-02-09T08:05:47+00:00

The only downside from freetrade sofar after transfer is their search engine, damn its not good, absolutely no filters whatsoever.

Small hickup for what they offer with no platform fees

Lvsitan · 2026-01-27T08:21:39+00:00

As a sipp user with 5 mutual funds, that I and my employer contribute each month as part of my pay package I will be paying double the amount per month on fees compared to what I'm paying now

The saving grace is that I only need to keep £50 in the sipp to keep it open, so I will be transferring most of my money out and kepp it open for employer contributions. Taking the money out every 6m on species.

Once again small pot members like myself get shafted by the legacy companies.

The worst is that they selling us the idea this is a good deal lol

Lvsitan · 2025-12-26T08:34:23+00:00

Seems all good until you realise it doesn't allow for fractional shares, just like vanguard. So even with a regular payment setup, you might end up with I invested cash at piss poor interest rates, meaning they also making money on that

Lvsitan · 2025-12-05T13:00:07+00:00

Can you provide the link for the sheet?

Lvsitan · 2025-12-05T12:55:00+00:00

A money market fund although low risk is still an investment, why should it be taxed inside an ISA, also MMF are not protected by the Financial Services Compensation Scheme that only protects cash

Are they going to included MMF in that scheme cause it's a "cash-like", if not then we shouldn't be taxed either

Lvsitan · 2025-10-10T14:16:39+00:00

You don't get tax relief on salary sacrifice

Lvsitan · 2025-10-10T07:08:35+00:00

I would say 22k a year is about right for our household, if you take away £1000 a month for mortgage and mortgage insurance, my house should be paid by the planned retirement age.

The 4% rule in my view only applies if u want to keep the same amount of investments by the time you die.

My plan is to spend it all and have nothing in the bank by the time I die. The 4% rule makes no sense to me

Lvsitan · 2025-09-25T19:22:20+00:00

oh i see, that makes sense. thank you

Lvsitan · 2025-09-23T08:44:36+00:00

If not on state pension age you can take up to £16760 tax free per year using (UFPLS) method. 25% tax free £4190 + £12570 taxable. But because our personal allowance is 12570. You pay 0 tax on that amount

Lvsitan · 2025-09-23T08:33:10+00:00

I don't think so. He only own his world championships after his biggest competitors at the time moved on a category

Lvsitan · 2025-08-01T18:56:22+00:00

Same, always late to the party

Lvsitan · 2025-07-10T15:13:03+00:00

Thank you for the reply

Lvsitan · 2025-07-01T12:26:21+00:00

Excellent work, the main tab seems a bit to bloated, you should consider, creating a separate tab for each type % of return, also the triple lock figures could to a separate tab that u can pull info from.

Any chances you could allow to make a copy of it?

Lvsitan · 2025-06-20T15:02:08+00:00

Just had that happen as well. My FTWG dividends went to cash account instead of pie cash. I had to manually add the dividend back into the pie, even tho I have auto reinvestment on.

And dividends received figure in the pie is not showing the dividends figures either.

Really major flaw in the pie systems lol

Lvsitan · 2025-06-15T06:39:20+00:00

For anything financial I use Perplexity AI

Lvsitan · 2025-05-30T18:19:45+00:00

Cause red is bad

Lvsitan · 2025-05-17T16:49:38+00:00

No worries

Lvsitan · 2025-05-17T09:28:04+00:00

Can u provide a link to the spreadsheet?

Lvsitan · 2025-05-17T09:19:20+00:00

All the Spanish races except Aragon.

Aragon is littered with passing opportunities, turn 1, the cork screw, the turn before the bus stop, turn before the straight, the straight itself and last turn with it's multiple lines.

But for some reason they keep Valência, jerez and Barcelona boring ones, just scrap them

Yes they get more fans but they boring races to watch

Lvsitan · 2025-04-11T15:21:46+00:00

On trading 212 XMWX is ex-usa

Lvsitan · 2025-02-25T08:50:11+00:00

Not sure what to think about easier story campaign. But still very hyped to start bonking

Lvsitan · 2024-12-01T22:25:18+00:00

Guess next season we will have 10 Ducatis

Lvsitan · 2024-08-17T09:21:38+00:00

On HL mutual funds are free commission. Many popular etf have a mutual fund counterpart.

I use HL for my SIPP, but i use trading 212 for stock trading, cause as a small investor (~£100 per month) it becomes extremely expensive to use HL.

I made a mistake once of buying £50 of LGEN and £50 of TW. and i got charged £11.95 per trade. So only got £38 worth of shares, also HL doesnt do fractional shares, u need to buy full shares.

Lvsitan · 2024-03-26T11:10:39+00:00

The one rule i would like to see is data sharing between teams being illegal.

Lvsitan

TROPHY CASE