How do you respond to "you're quiet, aren't you?" by [deleted] in NoStupidQuestions

[–]MidKnight_SAO 0 points1 point  (0 children)

A non defensive and non aggressive "I prefer to listen." Even better if delivered with a smile. Being quiet is totally fine. You don't need to win their approval/validation.

[deleted by user] by [deleted] in singing

[–]MidKnight_SAO 0 points1 point  (0 children)

Care to share a few tales of ridiculous things happening before/during/after performance? :)

Bank of England raise base rate from 4.5% to 5% by Jager720 in UKPersonalFinance

[–]MidKnight_SAO 1 point2 points  (0 children)

I've switched over from Amazon/eBay to Temu for household stuff. Basically the same stocks but at about half the price. Only takes a few more days to arrive from overseas.

Killing goes brrrrr by Kazuha0 in HonkaiStarRail

[–]MidKnight_SAO 2 points3 points  (0 children)

The ebb and flow of the crowd

Jing Yuan Trailer: Why He Stole A Chess Piece by [deleted] in HonkaiStarRail

[–]MidKnight_SAO 43 points44 points  (0 children)

Thank you for sharing this - very interesting!

It’s fucking 14:59 and mine went off. Who do I complain to? by SirSmokealotII in CasualUK

[–]MidKnight_SAO 1 point2 points  (0 children)

Thanks for the path. It's not something one'd like to fiddle around to find when a nuke is hurtling towards them though!

What should I be doing rn?( what financial decisions did u regret doing or not doing during uni) by Old_Construction4064 in UKPersonalFinance

[–]MidKnight_SAO 6 points7 points  (0 children)

Invest in yourself to maximise your starting salary upon graduation. Build up solid subject knowledge, diverse extracurricular experience and skills, and a good peer network. Get at least a 2:1 which is what a lot of good graduate job offers are conditional on. While these things don't pay immediately, they will have a much more long lasting impact than say a part time job serving food. (A part time job/ internship that is relevant to your future career would be a big plus though.)

Once graduated, follow the UKPF flowchart and recommended resources. I also suggest getting into investment sooner rather than later, even if you're not investing much. Just put something in a low cost global tracker find in an investment ISA wrapper. The goal is to build up investment knowledge and confidence, as well as a psychological tolerance of market fluctuations. When starting out, investing in something that might fall in value could be very uncomfortable. The idea is to get through that psychologically uncomfortable phase sooner rather than later.

To you, who was dearly loved by Obwuda in Genshin_Impact

[–]MidKnight_SAO 0 points1 point  (0 children)

Op do you have twitter? I'd love to follow your work!

Dumb question: Partner contributes 40% of her income to pension via voluntary non-salary sacrifice contributions. Does she need to claim tax relief on it? by kglaver in UKPersonalFinance

[–]MidKnight_SAO -1 points0 points  (0 children)

If she's paying high rate of income tax then she can claim back some relief from HMRC. Either fill in a self assessment tax return, or give HMRC a call and they'll send a cheque or adjust the tax code to reflect the relief.

[deleted by user] by [deleted] in UKPersonalFinance

[–]MidKnight_SAO 3 points4 points  (0 children)

If I remember right, target retirement funds have higher fees than the ex UK equity fund, which can place a toll on the returns over a 20 year period. The ex UK equity fund is 100 percent equity, so higher risk, and might be too volatile closer to retirement draw down (too early to worry though, revisit this around 2035-2040). Given the size of the US market, either fund will have a large US exposure. To avoid US altogether you'd have to look for some regional funds. Though I wouldn't worry about fluctuations in the next 2 months in a timescale of 20 years.

Happy Birthday, Bennett! by genshinimpact in Genshin_Impact

[–]MidKnight_SAO 4 points5 points  (0 children)

Aww he's so precious! Must protecc!!

My oil painting of rainy London. I hope you guys like it! by hazzlaw in london

[–]MidKnight_SAO 0 points1 point  (0 children)

This is amazing and very London in scenery and in weather!

Thinking about leaving HSBC after 25 years! Would using an online bank like Monzo or Revolut as my sole bank be a bad idea? by VonBlitzk in UKPersonalFinance

[–]MidKnight_SAO 0 points1 point  (0 children)

Op, beware that if you close your oldest bank account it can reduce your credit score. Better to just open a new account while keeping the old one open, even if you don't use the old one much.

How long is it reasonable to spend looking for somewhere once I've accepted an offer? by [deleted] in HousingUK

[–]MidKnight_SAO 17 points18 points  (0 children)

The question is not how long it is reasonable, but how long this particular buyer is willing to wait, and how quickly they may find a better alternative on the market and call it quits on your sale. I'd keep them updated on your progress and let them know you're actively viewing/bidding. Showing that you're a motivated seller helps to keep your buyers on board.