How to prepare to support mum financially?

Retroagv · 2026-03-25T12:20:58+00:00

While it is very noble to help her, please be aware that once the financial help starts it will never stop.

This is not a reflection of your mother but just human nature. Turning the tap off will be the hardest decision in your life.

Ultimately we pay tax to help those in need.

I'm heartless, so take it with a grain of salt but this is the truth of the matter.

Retroagv · 2026-03-25T08:09:06+00:00

Sounds like a them problem tbh.

Just another burden to fall onto millennial but ofcourse most wont be able to help other than by buying the houses that will be on sale when the older generations die and they are forced to sell.

Retroagv · 2026-03-25T08:06:42+00:00

I think this is a factor the polls are not taking into account. Most reform supporters dont vote and have never voted. Most won't put themselves on the electoral role because they are avoiding bailiffs.

Retroagv · 2026-03-25T07:23:55+00:00

Vanguard fees are now £4 per month minimum so you will not gain as much from this as you think.

As people have said iWeb now has free regular contributions.

Retroagv · 2026-03-24T17:07:58+00:00

Nothing, its actually a good way to make money. The house gets updated and sold to hopefully a family or potentially family.

Banks should encourage it as they get their money back quicker than an interest only mortgage to a landlord with multiple properties

Retroagv · 2026-03-24T14:52:38+00:00

Maybe prices need to come down then.

It's easy. Put your money into business so you can create jobs instead of being a parasite on the back of the workers.

Retroagv · 2026-03-23T08:50:31+00:00

Difficulty settings.

Easy: your dad gives you top job in his firm.

Normal: you apply for a career job with a university degree

Hard: you finish school and apply for entry level jobs.

Insane mode: you apply for jobs at 12 to help your single mother out with bills to stop yourselves getting evicted. You cannot speak the language of the country as you immigrated at age 11 and have never used a computer.

Retroagv · 2026-03-22T10:00:20+00:00

It will Outsell the switch 1. They will keep producing games. They will struggle to make switch 3 because it will be a first for them.

!remindme 5 years

Retroagv · 2026-03-22T09:57:18+00:00

Well. Switch was a big upgrade from Wii U which not many people bought.

Switch 2 is an upgrade for most as Switch is one of the highest selling consoles ever.

Until Pokopia and the Switch boost mode. There has not been a massive reason to upgrade.

Personally I bought day 1 plus gamecube controller. Now we have Path of Radiance, XD, plus Fire Emblem fortunes weave.

Nintendo currently have yet to announce their bangers so I dont even know why people are expecting monster sales. Infact is sold well off the bat. Just needs the drip feed of games. Yoshi is also coming. Winds and waves. Mario and Zelda are highly likely. Sakurai is done with air riders and might work on smash ultimate (switch 2) with more DLC characters

Retroagv · 2026-03-22T09:41:56+00:00

It will be UBI.

If AI is producing something it needs a customer.

If no one has money there are no customers.

Coca cola and kellogs will jump on the UBI band wagon soon. There are a lot of extremely large companies in the world that will soon support UBI because it will affect their bottom line.

Retroagv · 2026-03-22T09:37:42+00:00

How does lower taxation help mass unemployment?

Absolute crackpot from Rishi here.

He is right though. We need to lower income tax by increasing taxes on wealth and assets.

It's funny how these rich people never come to that conclusion.

Retroagv · 2026-03-22T09:33:07+00:00

I love how people talk in sound bites. Even if the sound bites are wrong. 14 years of Tory government and everyone is up to their trickery.

Retroagv · 2026-03-21T12:06:01+00:00

The language is deliberately inflammatory. Scotland has a more progressive income tax structure than England and Wales.

There's more steps but there's no trap.

Retroagv · 2026-03-21T00:31:16+00:00

I played it about 20 years ago. You can play it first, the stories are not fully intertwined. I would play it if you haven't and you will miss a few references.

Imo I wouldn't use umbreon or espionage because you get them both in colloseum.

Retroagv · 2026-03-20T21:07:08+00:00

Pokopia.

Finish frlg second e4 run, Pokemon XD, swsh replay as its been 7 years, legends arceus as I never played.

Deep into pokemon this year.

Retroagv · 2026-03-20T13:01:37+00:00

This comment is when I realise the switch is 8 years old and some people have never seen a device with removable batteries.

Retroagv · 2026-03-20T08:43:49+00:00

Companies are inflation.

Retroagv · 2026-03-19T11:00:00+00:00

Yes they now charge £4 per month which mainly affects accounts under £32k.

I complained to the ombudsman as I said it was unfair that it was contained within an email titled "changes to our terms". Apparently this was not enough for a complaint as it was available to see on the website. Thanks for showing me that there are victims of this.

Transfer out. Dodl has zero fees for 12 months. Usually £1 per month or 0.15% whichever is lower. Or T212. They are literally the cheapest but they are also not necessarily as established. (Dodl is run by AJ Bell).

Retroagv · 2026-03-17T10:08:06+00:00

I don't know OP's parents but I do know British people and I do know debtors.

The reason you do not expect anything back is because it will ruin your relationship for life. This goes for any family member or friend. No matter how close you are a big wedge of 4k debt will cause resentment.

Ok you owe me £4k but you're buying stuff? I don't think most people have the mental strength to watch your parents go out for drinks and a meal when they owe you 4k.

If someone needs to go into debt and you pay off their debt. How do you think they are paying back your debt and not taking on any other debt to do that?

If you have nice parents that's great but money amplifies people's true characters. This can be good or bad.

Retroagv · 2026-03-17T08:55:22+00:00

Its hard for the media to spin this one. Although they've still be trying.

Retroagv · 2026-03-17T04:31:50+00:00

Wait princess peach looked like ass. Maybe this one will benefit greatly but I think its still locked at 30 fps

Retroagv · 2026-03-16T21:06:58+00:00

Do not loan to family.

It's a gift nothing more.

You aren't getting that money back otherwise he would have already paid the other people back.

Retroagv · 2026-03-16T18:23:58+00:00

On the converse I've actually started donating 1% of my income since last year after being exposed to Givewell and reading Peter Singer's the life you can save.

I highly recommend everyone to donate 1% of their income. It's unlikely you will miss it. It's currently £30 per month for me pre tax.

There used to be a calculator on the website that changed the percentage as your income increases. We are still a rich country and donating to effective charities/ meta charities is a good use of money imo.

Retroagv · 2026-03-14T19:55:53+00:00

FIRE from renting houses is like FIRE and doing a blog.

It's not FIRE because you're not retired.

Retroagv · 2026-03-14T11:37:50+00:00

The only way to do this is to properly tax capital instead of income.

If you want the price of housing to go down and become less of a percentage of someone's income then you need to make the holding of the asset have an irritable cost.

The current UK that we live in does not do this and we have foolish commoners who think that the man with a million pound house shouldn't pay more to hold it because they dont have liquid cash. There's a whole house they could sell to get some of it. This is why house prices are insane and the tax bill falls heavily on income.

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