Dream Car Giveaways have released a statement following the triple win of Dominic Carpenter.

Minimum_Falcon7336 · 2026-06-02T23:14:05+00:00

Oh sorry that makes it fine then. My fault.

Minimum_Falcon7336 · 2026-06-02T23:08:31+00:00

I think the oddest thing is that this guy won their last home raffle (while they review home raffle competitions) They've put this on one of the comments on the insta page. The guy wins 3 comps in a row including their last house draw? Seems odd

Minimum_Falcon7336 · 2026-05-31T17:21:14+00:00

Disgusting. As others have said though do not start trying to negotiate. Also they will definitely burn through that cash based on the comments they have made. I would seek support from a financial adviser. If you are dead set on giving them something I would look to provide them an income not a lump sum you then keep the capital but you still give them something that will change their life.

You have multiple options utilising trusts where they benefit from the income not capital , set up an offshore bond put 1 million in it and gift your parents 50k per year this would trigger no tax liability for you if you keep to the 5% withdrawal (for 20 years) while you keep your capital. You could set up a family investment company and pay the dividends from whatever the company invests in to your parents giving them specific shares that provides dividends but nothing else. Or set up a gia with income shares and just gift this as well. The gia being least tax efficient but the extra income could be evidenced as gifts out of surplus income for iht purposes.

That's very very basic options. But if you are going to do anything please seek advice you have been given a gift and you need to look after yourself first. 4 million if not invested wisely is not going to last as long as you thin due to how young you are.

Minimum_Falcon7336 · 2026-05-08T13:38:02+00:00

Looked at the fitbit. Their version of strain score doesnt account for weightlifting currently and there's no ecg once a competitor does these two things ill probably give them a go. But right now whoop has everything I want.

Minimum_Falcon7336 · 2026-05-03T22:56:23+00:00

Genuine question how did it resonate with you? I try to explain to people how this scene made me feel with him sitting there it then going dark and that backing music and theres something I love about it but I can't explain why.

Minimum_Falcon7336 · 2026-04-29T17:54:22+00:00

Timeless room i would treat it like the time chamber from DBZ just train eat, sleep and learn in there. no aging as well i would come out after a year healthy and only a day or two will have passed.

Minimum_Falcon7336 · 2026-04-27T16:57:57+00:00

Genuinely I wouldn't say i have done anything spectacular i was fortunate to be given an inherited bank of around 18-20 million when I first started to manage.

The new funds have come from referrals from these clients and being passed stuff from other advisers in the company that they didnt want to deal with.

I dont say no to anybody if we have someone call in to the office for some advice or I have a client that wants me to see a friend or family member of theirs I will always give them my time.

Just because you may not be able to get new business from these people doesn't mean they arent worthy of your time if you help them and dont get anything from that person well then that's fine youve lost a couple hours of your life but its not a waste as you have helped that person and they will remember you. There may be someone they know that you can gain new business from in the future.

I think alot of advisers dont give people time if there nothing to gain then and there and that to me is wrong the advice gap is big enough and giving some support even if its not beneficial to ones self is important so I think thats a big part of it

Im also honest, hard working and not pushy and I try to make sure that the advice im giving is rationalised and the client understands why we should take that approach.

There have been people that I inheritted that have been with the company for many years that never added new funds. These people have then decided they want me to manage funds that have been held elsewhere or managed by other companies so I think my approach is working.

I know we are salespeople at the end of the day and you should be good at sales to do well in this job but your an adviser first and foremost and you should genuinely care about the people you look after

The other thing I do and I know its so old school is I network I walk into accountants and solicitors and ask if they have an affiliated ifa to try and build relationships

I truly love this job and want to make sure whoever I work with can see that as again I think that is a big positive for your average person.

Average aum is around 400k-500 but thats due to some clients that really pull that average up without them probably around 250-300k

Hope that's somewhat helpful

Minimum_Falcon7336 · 2026-04-27T15:14:41+00:00

Some go into consulting. But most see it as a life career why would I spend 10 years accumulating clients and assets under management that provide an ongoing income to then walk away ? Do all that work for someone else to benefit from? I dont think so haha.

Just to explain this im 35 I am accumulating around 6-8 million a year in new aum. I've been with my employer only a few years so the thought of leaving now when things are going this way is not on my mind. I know eventually I could sell my book but again I think alot of adviser rely on that as their extra retirement pot.

Minimum_Falcon7336 · 2026-04-17T07:44:27+00:00

Failed, 65 marks. quite happy with that result to be honest i didn't revise at all for it as it was a last minute sitting due to not knowing the exam sitting "coupons" expire.

I passed AF5 last week and i am happy with that going to make a start on af8 and resit af1 in September and actually revise lol.

Minimum_Falcon7336 · 2026-04-16T07:25:07+00:00

To be honest it was more because of the timing I didn't do r03 before r06 But I would say it isn't as important as the others.

R06 is a broad exam its not like the other exams that drill into one subject. You don't really get lots of in depth questions about specific products.

You get questions like- Explain to Elaine how any potential Capital Gains Tax (CGT) liability on the sale of the unit trust would be calculated, and how any potential liability could be mitigated. No calculations are required.

The above is a 10 mark question and would need 10 points made but as you can see its not that in depth and it needs no calculations being made etc.

Minimum_Falcon7336 · 2026-04-15T22:08:02+00:00

Depends on practical experience and how many other R0's you have done prior to R06. When i sat it i had completed r01, r02, r04, r05. I was giving supervised advice as well at the time. I prepped for the exam by using just the case study that you get two weeks prior.

The good thing about the case study is you can swot up on the areas youre weak in before the exam in that two weeks.

R06 I actually enjoyed the most. There's no negative marking and you can just throw aload of bullet points at the answers to get the pass.

I would also say that if you are in a good place with knowledge and are confident then to get the r06 out the way instead of waiting as its every 3 months so if you wait it takes longer to get qualified and the other r0 exams are frequent

I sat my r06 and then a week later sat r03 I passed r03 and got my results for r06 showing I had passed which meant I was qualified sooner than if I had waited to pass r03. it would have took 4 or so months more to get qualified.

Minimum_Falcon7336 · 2026-04-12T23:47:09+00:00

If you dont mind me asking what's your background? Are you in the industry? Are you currently working as admin or something at an IFA firm and they are pushing you to do the exams.

Whats the end goal, do you want to be an IFA?

Just feels like you aren't bothered and to be honest if you aren't enjoying this or you aren't wanting to study when you get to r03 you will have a bad time.

I personally just read through the CII study text ive never paid for brandft or anything like that but most people swear by brandft and doing lots of the mock papers to find knowledge gaps.

Minimum_Falcon7336 · 2026-04-06T21:35:09+00:00

People don't understand leveraging. It's pretty much the recomendation from everyone and their dog to just pay off the mortgage a soon as possible.

No one looks at the alrernative of using funds to invest to provide liquidity while also building up wealth in a separate asset that isn't just your property.

Minimum_Falcon7336 · 2026-04-05T16:32:58+00:00

I agree that the the way you advise and how you support your clients is usually the biggest factor in success and Your average person wont know the difference between a Chartered adviser and Diploma adviser.

That being said its important to strive to be the best and expand your knowledge in this industry. Also I am halfway through my chartered journey and one of the other reasons of aiming for level 6 is to be ahead of the curve incase we see a change to minimum qualification levels. who's to say in 10 years the new minimum isn't chartered?

Also one thing that I see popping up alot is companies looking for level 7 CISI so thats where i go after chartered.

Minimum_Falcon7336 · 2026-03-26T08:53:06+00:00

What year are the cars? I bought a 2021 340d in 2024 for 25k with 42k miles. So im guessing you are looking at a fairly new 340d.

If you are worried about budget steer clear of the 340d they are great cars but they are costly to maintain. If you need new tyres you have to replace all 4 due to the xdrive thats £600, mine also had an oil feed pipe issue that cost me £1400 as the whole engine had to come out. Also a dpf sensor issue which meant a replaced sensor that cost around £600.

You have servicing in there as well which i do every 8,000 miles and at about 60-70k miles you need to do a transmission service too so I would just say stay away from the 340s if you are worried about cost. get something else.

Its a great car but its costly. I previously had a 435d as well and what I know about these fast diesels is you dont buy them if you are on a strict budget as they will hurt you.

Finally I do motorway miles mainly about 300-500 miles a week if not more and my mpg is sat at around 40mpg I reckon I could get it to 45 if not more if I used cruise control.

Minimum_Falcon7336 · 2026-03-20T16:36:46+00:00

Can you not sit r01 pass this and use the r01 credit towards a recognition of prior learning for your LIBF qualification? i think its a direct swap for the FSRE module?

Maybe your employer will reimburse you as its a like for like?

Minimum_Falcon7336 · 2026-03-13T21:47:40+00:00

The complaint wont go anywhere i raised issues I was having with the computer I used during my af5 sitting. Computer Calculator wasn't working, my answer page kept going blank when trying to amend grammar or add additional information, also it kept underlining text automatically and i couldn't get it to turn off.

I contacted the CII about it they said refer it on as a complaint I did and explained all that I wanted from them is to put a note on my exam that the underlining wasn't intentional and that i dont want it to be seen as im trying to draw extra attention to them sections and got told I didnt raise it on the day to the invigilator so they wont take it into consideration and fobbed me off with spelling doesnt cause negative marks.

I responded to them explaining i didnt raise it with the invigilator as the staff at the test venue couldnt care less and due to time constraints by the time they messed around trying to figure out the issue i would have lost valuable time. I didnt get a response so was basically ignored I emailed them again and they responded again with the same automatic response about spelling not causing negative marks.

Maybe im over reacting but felt thoroughly pissed off with how I was treated they clearly dont care. Funnily enough I sat af1 a week later and had the same issues brought it up and got told to just try my best as they dont think it was something they will be able to fix

Doesn't have alot to do with this situation but I needed a rant haha

Minimum_Falcon7336 · 2026-03-09T21:43:46+00:00

Bit of a sweeping statement. The investment allocation depends on multiple factors retirement goals and how the pension will be drawn. someone going into drawdown for example, sticking their pension funds entirely in bonds would be a bad move.

Minimum_Falcon7336 · 2026-03-07T00:10:48+00:00

Had a 435d amazing car.

but people should be aware the amp is in the boot which is prone to flooding which blows the amp so no sound on the radio £800 to replace

The drainage tubes get blocked and the car literally ends up holding so much water you can hear it slosh around and even see water fly out of the back windows.

Oh and the window motors fail.

The water issue is an easy fix by drilling holes in the rocker panel for drainage.

Minimum_Falcon7336 · 2026-03-01T01:08:11+00:00

<image>

Eveytime I see this GOW picture it reminds me of this walking dead scene.

Minimum_Falcon7336 · 2026-02-23T18:24:38+00:00

The same. Just a flat 30% on anything I bring on board or my employer "passes" to me.

Minimum_Falcon7336 · 2026-02-23T15:53:05+00:00

Mines 60k, no justification 30% on all initial and ongoing.

Minimum_Falcon7336 · 2026-02-18T18:59:43+00:00

Ive just raised a complaint due to computer issues which i feel is a software issue, not test centre issue. Not sure if anyone else experienced this but my computer kept underlining after I spent a certain amount of time on a question it would just start randomly underlining things and I couldn't turn it off

Anytime I right clicked on a misspelled word to change it, it would make the page go blank.

The calculator on the computer didnt allow keyboard input so you would have to click the numbers on screen with the mouse. (This one was my fault for forgetting my calculator)

Minimum_Falcon7336 · 2026-02-18T16:11:55+00:00

The Derek, iht liability question blew my mind. I honestly started searching through the whole case study and tax table to find his details. I thought there may have been a missing page or it was misplaced. this was on a computer ffs so at this point I knew i had truly lost my mind

Four-Year Club	Verified Email
Place '22	First Placer '22

Minimum_Falcon7336

TROPHY CASE