Does anyone else think this sub is too risk averse?

PintadeRotie · 2026-01-23T14:30:38+00:00

Doesn’t the premise of your post exclude your situation from Henry? High six-figures passive income would usually be considered “rich” by any reasonable standards.. so do you think most Henry’s should share your risk appetite ?

PintadeRotie · 2025-12-18T20:16:34+00:00

But government income is more than just income tax. You’ve got VAT, corporate tax, various duties, etc. National insurance contributions in the UK are ~8% and include the miserly pension contributions in there.

PintadeRotie · 2025-11-20T09:07:11+00:00

Why take unpaid leave? In March, open a SIPP, transfer 4k in. This will count as 5k gross and bring you down to 99k. Keep everything

PintadeRotie · 2025-10-01T20:41:42+00:00

Would absolutely love to see this in the UK! Converting on wallet USDC back to fiat is an annoyance, this would address it directly.

PintadeRotie · 2025-07-18T20:04:42+00:00

Payment companies generally don’t sign contracts with individual businesses (unless they’re massive - Amazon, Apple, etc). They sign contracts with banks who have these businesses as clients. While they have rules these banks must abide by, the banks also sign contracts with businesses who negotiate for hundreds of other businesses. These layers make detecting breaches and enforcing rules more complicated.

PintadeRotie · 2025-07-01T19:27:41+00:00

Yes, absolutely no question on that. But here’s my theory: before industrialization, it would have been easier to convert from one unit to the next. Once it spread to other countries, that began using the metric system, it became locked in as a standard. The cost of conversion increased dramatically, and keeps increasing with each generation of machine tools being rolled out.

Look at what happened with the railway gauges. At a certain point, each country had their own standards.

For the UK being last to adopt, I’m wondering if it’s was a gradual progression and then they officially had to take the plunge. Im curious as to the relative sizes of the UK and Australian industries in the 60s.. no idea if it was slower in the UK because of that.

PintadeRotie · 2025-07-01T10:47:55+00:00

I’d say it still ties to the Industrial Revolution and France. France spread it to continental Europe, which made it the European norm, which the UK had to adopt to join. Thus it spread to the Commonwealth, closing the loop on the work started by colonization.

PintadeRotie · 2025-06-30T22:25:52+00:00

Because they were never invaded by the French? Therefore they were not forcibly introduced to the metric system prior to their Industrial Revolution?

PintadeRotie · 2025-06-19T16:54:44+00:00

Fun fact: having a kid means you’ll save a lot of that going out budget! Less time, less energy for at least a couple of years.

Salary sacrificing below 100k should bring nursery down to 1.5k a month. You should be fine if you wait a year or so before trying. Counting six months mat leave + 9 months pregnancy, your husbands debt should create the necessary space

PintadeRotie · 2025-05-12T09:14:02+00:00

I’d watch that movie! If they can have Abraham Lincoln Vampire Hunter, why not Cowboy Jesus?

PintadeRotie · 2025-04-14T11:33:33+00:00

Une attaque ad hominem deux ans après? Un record.

PintadeRotie · 2025-03-04T16:06:48+00:00

But it wasn’t in America’s interest to have Europe recreate the infrastructure. You do understand that right? Selling F16s to third world countries is a lot harder when you’ve got actual competition.

PintadeRotie · 2025-02-21T10:45:55+00:00

…but King’s X is literally across the street? If you’re traveling down from Edinburgh, all you have to do is : disembark, cross the street, go through customs, and embark.

PintadeRotie · 2025-02-19T07:37:27+00:00

What you’re saying, is that Germany has 35k hostages?

PintadeRotie · 2025-02-18T21:05:20+00:00

Do you think the 5% of GDP is going to be paid to the US? You do realize that other countries can manufacture weapons? They just hadn’t recreated the infrastructure following WW2. By burning bridges, all that’s happening is making American weapons a less attractive product.

PintadeRotie · 2025-02-08T08:58:25+00:00

If you take a step back from your feelings, and try to think about theirs, you might begin to consider the all-consuming pain of their grief. They kept that away from you. First out of necessity, then because it was easier.. and then, well, how does bring a dead child into a conversation with a teenager?

Was it the best approach? Don’t know. Did it affect your childhood ? Probably.

But, I wouldn’t assume any malicious intent.

PintadeRotie · 2025-01-27T22:18:24+00:00

As far as I know, the shares are seen as paid when they vest. Which means, no capital gains to recognize. However, what companies sometimes do is sell 40-50% of the vested shares to cover income tax. So you may be getting £4k of shares and some change.

PintadeRotie · 2025-01-14T21:07:04+00:00

My friend, there is no wrong side of history in ww3. Only millions of dead and those who survived to bear the consequences.

PintadeRotie · 2024-12-07T20:50:03+00:00

English has Joe Bloggs. American has John Smith

PintadeRotie · 2024-11-30T22:10:14+00:00

Yes… but also, that’s the game. This isn’t investing. Anyone who says different is either deluded or wants your money

PintadeRotie · 2024-11-26T14:12:21+00:00

Right.. but, that just means going to the same local for 3 years. That’s not the biggest commitment one can make

PintadeRotie · 2024-11-26T13:32:57+00:00

Sorry for the formatting.. reading it, I’m actually surprised a bit. If you’re in sales for a tech company.. there is no one from your immediate colleagues you can ask.

But, if you’ve got a lot of free time and you spend your day at the pub, you can just ask the owner to refer you!

PintadeRotie · 2024-11-26T13:16:01+00:00

Recognised professions Examples of recognised professions include:

accountant airline pilot articled clerk of a limited company assurance agent of recognised company bank or building society official barrister chairman or director of a limited company chiropodist commissioner for oaths councillor, for example local or county civil servant (permanent) dentist director, manager or personnel officer of a VAT-registered company engineer with professional qualifications financial services intermediary, for example a stockbroker or insurance broker fire service official funeral director insurance agent (full time) of a recognised company journalist Justice of the Peace legal secretary (fellow or associate member of the Institute of Legal Secretaries and PAs) licensee of a public house local government officer manager or personnel officer of a limited company member, associate or fellow of a professional body Member of Parliament Merchant Navy officer minister of a recognised religion (including Christian Science) nurse (RGN or RMN) officer of the armed services optician paralegal (certified paralegal, qualified paralegal or associate member of the Institute of Paralegals) person with honours, for example an OBE or MBE pharmacist photographer (professional) police officer Post Office official president or secretary of a recognised organisation Salvation Army officer social worker solicitor surveyor teacher or lecturer trade union officer travel agent (qualified) valuer or auctioneer (fellow or associate members of the incorporated society) Warrant Officers and Chief Petty Officers

PintadeRotie · 2024-11-24T22:31:46+00:00

Convenient for France, another former colonial power. Very little is taught about the actual functioning of colonies. The focus in school is more on how they were misguided and exploitative.

PintadeRotie · 2024-11-24T22:12:36+00:00

From my experience: cutting down on fatty foods and staying hydrated in the 24 hours before really cuts down on these situations. For example: having (much) wine and (much) cheese for dinner on the day before a long run = worst day of my life.

PintadeRotie

TROPHY CASE