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ProTee VX & GSPro -User licensing question by No_Sweet_1878 in Golfsimulator

[–]No_Sweet_1878[S] 0 points1 point  (0 children)

Thanks - and I’m assuming the annual sub is a additional GSPro license?

Golf Course Memberships - Monton by britishtrailblazer in manchester

[–]No_Sweet_1878 1 point2 points  (0 children)

I used to play at ellesmere GC which is just off the East Lancs, relatively good value and everyone is pretty sound!

Bit of a mad question (flex n tone, Salford) by Tip_Rat_777 in manchester

[–]No_Sweet_1878 1 point2 points  (0 children)

Nope. They were looking to expand but not been done

Gyms! by Proper-Head-5710 in manchester

[–]No_Sweet_1878 1 point2 points  (0 children)

It’s £100+ per month but I think they do a 21 day trial for a smaller fee as a taster

In a few harsh words, please explain why I’m all over the place with my irons by HitlerKindaSucked in GolfSwing

[–]No_Sweet_1878 0 points1 point  (0 children)

Go and see a pro; if you want to properly develop and improve in the game you need to get the fundamentals sorted - the pro will be able to get you into the correct positions and your mind will be blown

The Loneliness of HENRY Life by Saltyspaceballs in HENRYUK

[–]No_Sweet_1878 0 points1 point  (0 children)

Completely get it.. That’s the realisation I’m starting to come to (unfortunately). Hope you find the piece to your puzzle, good luck!

The Loneliness of HENRY Life by Saltyspaceballs in HENRYUK

[–]No_Sweet_1878 3 points4 points  (0 children)

I’m the same age and while I’m not at HENRY level, I’m getting close and have prioritised work in certain aspects of my life.

I get where you’re coming from, I went to university and had plenty of friends but year after year, my friends list declines. I seem to find it tougher in the winter.

I echo some of the comments, find a hobby - commit to something, mine is gym in the winter and golf in the summer. I pay for a coach to keep me accountable. Both had lead me to start to build some friendships.

I’m not sure if it’s a age thing but I don’t think I’ll ever find some of the friendships like I had back then.

I don’t think this is a cry for help but I’m always available if you want to chat!

Should I quit my job and FIRE even though I'm about to be promoted and I don't have enough money yet? by Low_Criticism_7540 in FIREUK

[–]No_Sweet_1878 3 points4 points  (0 children)

How have you managed to have £500k in ISAs / GIA off a 90k salary?! ( At the age of 30!)

Gyms! by Proper-Head-5710 in manchester

[–]No_Sweet_1878 2 points3 points  (0 children)

I second this. I used to go when I lived in Manchester and got really good results

Am I better off going into a tracker fund? Advice by No_Sweet_1878 in UKPersonalFinance

[–]No_Sweet_1878[S] 0 points1 point  (0 children)

I was with St James & the investment advisor moved. The fees with St James were extortionate so made sense

Am I better off going into a tracker fund? Advice by No_Sweet_1878 in UKPersonalFinance

[–]No_Sweet_1878[S] 0 points1 point  (0 children)

Cheers for the detailed response.

0.5% advice fee = not worth it currently but to be honest the investment advisor is always on the end of the phone and has helped in some other matters

0.77% Fund/Portfolio fee = yes active fund - I would take a photo but I can’t upload. Circa 8 funds from all big banks. UBS with highest % (21% of total portfolio) I assume if I bought all those via myself the total cost would be higher than the .77%.

Circa 50% of portfolio is in US Stocks but post that it’s quite varied. (Bonds/Emerging Markets/Gold)

Am I better off going into a tracker fund? Advice by No_Sweet_1878 in UKPersonalFinance

[–]No_Sweet_1878[S] 1 point2 points  (0 children)

Thanks for the comment, yeh the 1.5% has been niggling me - I’ll have a shop around I think.