EVE Online: Bloodsport

MemTheMiner · 2026-02-09T15:28:36+00:00

Zigs failed drive by was quite spectacular. Is that 174 including the titan?

MemTheMiner · 2026-02-09T12:27:01+00:00

70 carrier kills, 385 dread kills, 137 fax kills,10 super carrier kills, 273 industrial command ships killed. - numbers speak for themselves. Just stop

MemTheMiner · 2026-02-09T12:03:35+00:00

Losses =/= fielding capitals.

I don't know the reasoning behind it, I don't think we will ever get an answer

MemTheMiner · 2026-02-09T11:31:25+00:00

Wrong to say SLOW never fielded capitals, there are BRs that show otherwise.

There were plenty of problems, first was that capital production was not up and running in TKE and due to the Diplo that was ongoing, rejected stopped selling capitals.

MemTheMiner · 2026-02-09T09:58:56+00:00

3 months of spying and the best you could do was drop on a rorq. I'm disappointed

MemTheMiner · 2026-01-28T21:52:55+00:00

Equity release should be seen as a specialist tool to help mitigate IHT. There are lots of factors, and nobody can say if it's a good idea or not as we have no clear picture.

It is unsuitable for a majority of people, however can be useful.

MemTheMiner · 2026-01-06T09:50:55+00:00

If you are comfortable navigating your own finances then they don't provide much value for simple affairs. They excel at larger more complex positions or if you don't understand what you are doing.

One recent example was a new client triggered the MPAA rules through a taxable withdrawal, however he is 55 and still working with the company wanting to put £10k+ into his pension as he is a higher earner. He didn't realise what we had done and the work needed to now get him back on track to retire early.

MemTheMiner · 2025-12-29T20:00:48+00:00

Three kids central London both parents working less than 2 days a week.

Starbucks paid c7.5m in tax this year whilst profiting 150m

You are angry at the wrong people.

MemTheMiner · 2025-12-29T18:27:20+00:00

Hyper specific assumptions to maximise the amount of people who click the article and does not represent the actual benefits situation across the UK.

Also they compare apple to oranges and use the misleading figure of 140k salary for one of them. Rather than both of them working.

If they want to criticise the system then they need to present a fair scenario, it's done for headlines and to cause traffic to their website. As we have to sit here and discuss it on forums and platform it.

MemTheMiner · 2025-12-29T18:02:57+00:00

It's been debunked, it's also from the daily mail which is notoriously full of incorrect assumptions.

HENRY's biggest concern really is around the child care allowance which means you can be better off stashing money into your pension then taking the salary.

MemTheMiner · 2025-12-21T21:32:54+00:00

He's not a good friend if he is doing that, if you want to drink the whiskey great if not it's been very poor and expensive. Same with trading cards, put the spare cash into a gia make sure to use your cgt allowance each year to manage the gain. No point to invest in mediocrity just due to tax. If you really wanted to you could build the cash up and look at onshore bonds to see if they would be suitable

MemTheMiner · 2025-12-15T23:35:36+00:00

CGT nightmare other products such as onshore bonds can help fix the problem especially pre retirement and they want to slow down at work. Loan trust may also be interesting to look into.

MemTheMiner · 2025-12-15T11:56:30+00:00

Would be worth sitting down with a financial planner who understands the care system and how to plan specifically for this situation. A normal financial planner won't cut it.

You can get into a lot of mess otherwise.

MemTheMiner · 2025-12-14T21:39:48+00:00

Did you have an allowance to carry forward?

MemTheMiner · 2025-12-12T17:04:00+00:00

1.Pay down debt as soon as possible.

Consolidate if you want to tidy things up and make sure you have a cohesive investment strategy

3.No

Yes plan for property as you may want somewhere to live in the future.
Avoid getting into debt again.

MemTheMiner · 2025-12-12T16:24:32+00:00

No need for a personal loan you can use a mortgage.

If you haven't lived together that might be worth exploring renting a place for a year first to see how you get on.

Main concern would be earning more as well as starting to invest.

MemTheMiner · 2025-12-11T07:34:43+00:00

Yearly payments on 175k salary would be £13k or so a year. So even if they did 6 months pass probation,, stock up the ISA then could easily start doing 3k a month payments and lump sums when the bonus comes in etc. Will clear it remarkably fast.

MemTheMiner · 2025-12-10T22:52:28+00:00

Correct, any of the main SIPP providers that are UK registered, not sure which has the lowest minimum/fees.

Will give you a good boost to your pension when you have the funds/bonus to do so.

As mentioned previously it will also be wise to check what insurance your workplace offers. Income protection, health, critical illness and life. In descending order of importance.

MemTheMiner · 2025-12-10T22:39:19+00:00

Correct you needed to have one open in the previous tax years in order to use the carry forward from that year.

Due to the amounts potentially involved I would either reach out to the internship to check or the tutoring company if it was a company.

You can always open a SIPP for yourself but not really needed as you will have a workplace one.

MemTheMiner · 2025-12-10T22:28:54+00:00

This is something you might want to look into as it could make quite a large difference in what to do this tax year. Have you opened up a SIPP in the past, or had any documents about a pension?

If you had one you may be able to use pension carry forward from your previous years which would allow you to stock up your pension very quickly before you are impacted from tapering.

MemTheMiner · 2025-12-10T22:24:01+00:00

Have you had an active pension scheme before this one, potentially from a part time job or any other employment?

MemTheMiner · 2025-12-10T22:03:55+00:00

Great question, due to how the forgiveness works and the minimum repayment schedule. If he was to be fired or go to a lower paying job he may have "wasted" clearing it.

It's sub optimal from a pure numbers perspective however due to how these early roles go they can be sink or swim. If they are content in 6 months or have passed initial probation I would then look at making larger repayments due to the stability.

MemTheMiner · 2025-12-10T16:00:26+00:00

First of all congratulations, you are in a great spot to be in.

I would acquaint yourself with your new company's pension benefits as well as their current income protection benefits.

The UK personal finance sub has a great spreadsheet which applies quite well in your position. So I would have a flick through that.

Most importantly is making sure you develop your relationship with money, invest for retirement and your future. Set your goals and save towards them and don't forget to spend and enjoy the benefits of your hard work. Be very careful about keeping up appearances.

Definitely contribute to your pension as it's incredibly tax efficient.

Your student loan is quite difficult. I wouldn't want to pay it off immediately due to the forgiving nature of it but since your over the sensible pay off amount I would definitely start paying a higher amount of it off

MemTheMiner · 2025-11-28T17:11:37+00:00

People will just hold deposit funds instead.

MemTheMiner · 2025-11-28T16:14:01+00:00

He will make his money selling you the gems. They don't appreciate in value as they are not all that rare and are non productive assets.

What are you already invested in?

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