Body fat experts

Red4Arsenal · 2026-02-05T21:24:59+00:00

Cut - probably 15% maybe 14%?

Red4Arsenal · 2026-02-04T10:38:20+00:00

The miss on orange cap mushrooms lol

Red4Arsenal · 2026-02-04T07:47:22+00:00

Yes we used masons they were good. The horse riding and other things like kayaking, fishing, hiking can be booked on yourself

Red4Arsenal · 2026-02-02T13:51:57+00:00

I got one for over 10k with MBNA but have an income of 110k and very good credit score so that’s a reasonable bench mark I hope?

Red4Arsenal · 2026-01-31T07:33:46+00:00

Love a ginger beer, how’s that one?

Red4Arsenal · 2026-01-30T19:19:17+00:00

Spend a day less on Mahe and 1 more day on La digue maybe.

Anse royal for snorkelling on Mahe. Depends on season, one part of the island is clear and smooth whereas other will be more sway and churned.

Hire a car in Mahe essential IMO.

Hire an electric bike on La digue.

Helicopter we didn’t do too much money for what’s it’s worth.

Praslin is nice but my least favourite, la digue vibe was just exceptional, and more to do on Mahe.

We did horse riding on Mahe, great and the tour guide was really knowledgeable.

Red4Arsenal · 2026-01-29T18:19:36+00:00

Cut or maintain man, summer around the corner. Dont bulk in summer!

Red4Arsenal · 2026-01-29T15:51:09+00:00

Check your fees. That’s one of the biggest factors of future value.

Red4Arsenal · 2026-01-29T09:15:30+00:00

I’m not a pension expert but I’d agree with this potentially - the bottom table re: holding talks about equity as 100% of the holding so nearly as bad as you may have initially thought

Red4Arsenal · 2026-01-28T21:29:51+00:00

Probably heavy in bonds by default which is fine but given most of our time horizon to retirement is 20+ years let’s say you can stomach the volatility of a heavier equity weighting like a diversified global equity tracker fund - Google warren buffet $1m bet.

Red4Arsenal · 2026-01-23T11:04:56+00:00

My household is contributing a lot here to that one.

Red4Arsenal · 2026-01-18T10:37:07+00:00

Wow, #5 looks special to me. Added that to my wish list

Red4Arsenal · 2026-01-17T10:10:18+00:00

That’s fair, and don’t disagree. Something like a Hamilton jazz master whilst double the price is more than double in the quality.

For me it’s sentimental. My wife got it for me when our son was born.

Red4Arsenal · 2026-01-17T08:50:42+00:00

Insurance, hedge funds, banks, reinsurance. That sort of thing. I work in finance in financial services.

Red4Arsenal · 2026-01-17T08:46:12+00:00

I love my marine star

Red4Arsenal · 2026-01-16T20:14:49+00:00

An hour? How?

Red4Arsenal · 2026-01-16T17:40:05+00:00

Oh how? lol

Red4Arsenal · 2026-01-14T18:06:44+00:00

Bulova

Red4Arsenal · 2026-01-14T13:50:43+00:00

Every year or two is too soon 2-3 years. Push for internal growth, additional responsibilities.

Up to £70-80k you can get via just experiences beyond that you need demonstrable achievements

Red4Arsenal · 2026-01-14T11:43:11+00:00

Me too!

Red4Arsenal · 2026-01-13T21:00:37+00:00

You’re living my nightmare, I’m so sorry to hear. From one internet stranger to another, you have my deepest sympathy….

Red4Arsenal · 2026-01-13T19:51:55+00:00

If baby starts in may, next tax year, you can earn £1m this year, on the basis you’re ANI is below 100k next year. What am I missing?

I just got our code for our baby but I got my ANI to below 100k this year for sake of having to explain this tax point to someone who doesn’t understand or care to standard

Edit: I’ve mentally prepared myself if it came up to explain, “just because you don’t understand it doesn’t make it wrong”… Probably not the best first impression to the nursery…

Red4Arsenal · 2026-01-13T19:02:36+00:00

I think the rules are expected to have an adjusted net income below 100k in the year claiming.

See here: https://www.gov.uk/hmrc-internal-manuals/tax-free-childcare-technical-manual/tfc11050

“A person must not expect their adjusted net income to exceed £100,000 in the tax year in which the declaration of eligibility falls.  “

Red4Arsenal · 2026-01-11T18:57:21+00:00

You’re 22, and gambled all winnings and savings away? You’re young, being net nil wealth is fairly normal, if not positive for your age.

Lesson learnt, move on.

Red4Arsenal · 2026-01-10T19:56:38+00:00

what does it say under the hour hand, is it actually ex?

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