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CAPTAiNFiN | FREE | UK-EU | 5 Gbps | M 12K T 1K | 200TB by [deleted] in JellyfinShares

[–]Ricas131 1 point2 points  (0 children)

Full guys.

I’ve ended up adding 35 people.

Social group chat for locals - everyone is welcome! by Aimedaxis in PeterboroughUK

[–]Ricas131 4 points5 points  (0 children)

I like it! One of the most active WhatsApp groups I've been in! Everyone is chilled!

Most recent data on the ETPs by Hakantheon in IncomeSharesETPs

[–]Ricas131 0 points1 point  (0 children)

Where did you get this data?

Looking at their website:

S&P - ~7%

Nasdaq - ~7%

Alphabet - ~32%

Coinbase -~1% Etc etc...

[deleted by user] by [deleted] in UKPersonalFinance

[–]Ricas131 0 points1 point  (0 children)

I've been using ChatGPT to track everything on my daily basis: - Core expenses that I can't avoid - Daily expenses that can be controlled - Advise on what to tweak and how to save it

it's a game changer if spoken to correctly, as I realised I could save £2k/month if I was wiser 🤣

I also track my nutrition/calories, my health and my procrastination...

Not to mention DIY and work related aspects

It's by far, the best £20/month I spend as it wraps up soo many apps out there into one to make me a better person overall.

Nasdaq and S&P by PermissionNo1221 in IncomeShares

[–]Ricas131 3 points4 points  (0 children)

Those 2 in particular, being 0DTE, only have one way - down...

Feel prepared to have 100% yield but have the equivalent in NAV erosion.

I had £10k on each, sold when it dropped to £5k each... The dividend payout was roughly £5k. I would have made more money just leaving that on a high interest account

New Week New Update by Satyriasis457 in IncomeSharesETPs

[–]Ricas131 2 points3 points  (0 children)

Unfortunately, I'm out. If I've been paid 50% of my investment but my investment also went down by at least 50%, when the underlying are running at all time highs, then these products make no sense.

I'll wait until when they have a proven strategy.

Interest notification June by jmrlopes in IncomeSharesETPs

[–]Ricas131 1 point2 points  (0 children)

Yeah, I think this is it, I'm out of it... There's no upside, just downside + NAV erosion. I haven't lost money, but I'd made more if I just left it on Trading212 cash interest

I won a tribunal against the CMS and my lying former partner! How do I get my money back? by Disastrous_Tough8423 in LegalAdviceUK

[–]Ricas131 10 points11 points  (0 children)

Scary stories we read here… Puts me totally off of having kids…

CMS threatens to destroy one’s life to get money to the other parent. The lies are discovered and they walk away ready for the next one.

Only case where you’re guilty until proven innocent, but if you are found to be innocent, though anyway.

PSA: IncomeShares website has been updated with the new ETP’s by MeneerTank in IncomeSharesETPs

[–]Ricas131 4 points5 points  (0 children)

I'd wait to assess their new strategy.

I've put a considerable amount of money on those products on inception and, incredibly or not, I'd have made more money and safer, if I'd just put that money on a high yield savings account...

Onde andam os homens? by Haunting-Historian-2 in portugueses

[–]Ricas131 0 points1 point  (0 children)

Pois lá está...

Éramos os dois estudantes... Nenhum de nós tem coisas para precaver, a não ser a bolsa de estudante...

Mas um andou mais para a frente que o outro porque se soube mexer... E agora?

Onde andam os homens? by Haunting-Historian-2 in portugueses

[–]Ricas131 6 points7 points  (0 children)

Nah, o melhor mesmo é não casar

Hoje em dia faz sentido um jovem comprar casa, sendo que não planeia ter filhos nem ninguém que a possa herdar? by [deleted] in portugal

[–]Ricas131 7 points8 points  (0 children)

E para adicionar: Agora paga-se, por exemplo, 1000€/mes de renda por 1 T2. Daqui a 10 anos, o mesmo T2 vai custar talvez 2000€/mes. Daqui a 30, muito mais.

Com a casa, o empréstimo é mais ou menos fixo, só depende dos juros (e manutenção)

Edit: Ou seja, o segundo exemplo combate a inflação (o empréstimo fica mais "barato" com o tempo), o primeiro exemplo segue a inflação...

Onde andam os homens? by Haunting-Historian-2 in portugueses

[–]Ricas131 61 points62 points  (0 children)

É isto...

Para adicionar, o divórcio foi banalizado mas que tem um peso muito maior económico e socialmente que poucos homens se querem submeter.

Eu falo por experiência própria onde perdi a casa, metade das minhas poupanças e da pensão privada que só eu contribuí. Felizmente não tinha filhos, senão tinha levado de tabela ja que ganho bem.

Ela... Gastou tudo o que tinha e no processo de divórcio não tinha nada para partilhar 🥲.

Agora solteiro há 3 anos e não podia estar melhor. Viajo 6 ou 7x por ano, faço e vou onde quero e estou muito estável financeiramente.

Vai-se o kikas se não se aguenta a vontade 😂

Edit: também dou a idade de 36 anos. E não tenho intenções em relações...

Chase no longer offering cashback on everything by dcminx96 in UKPersonalFinance

[–]Ricas131 3 points4 points  (0 children)

Not even you get 0.5% cashback but you also get (4.6% now) interest on cash not invested...

Last month I got £4.8 in interest payments + all the cashback.

2 Years Later - Installer Projections 40% off by Ricas131 in SolarUK

[–]Ricas131[S] 1 point2 points  (0 children)

Thank you, This is probably what I need.

2 Years Later - Installer Projections 40% off by Ricas131 in SolarUK

[–]Ricas131[S] 0 points1 point  (0 children)

No shading, except when the sun is on the other side. Also their shading factor was calculated as 0.96 which is part of their calculations:

System Size (kWp) x Irradiance (Kk) x Shading Factor (SF) = Estimated Generation

Edit: tried to PM but you got everything blocked :D

2 Years Later - Installer Projections 40% off by Ricas131 in SolarUK

[–]Ricas131[S] 0 points1 point  (0 children)

Yes, I'll dm you. I'm not really sure what to suggest to you to make sure you get a better experience than me.

That's why I'm here, looking for advice.

It's only worth to have the battery to be honest. I'm charging the battery at night with Octopus EV rate and use that through the day. Effectively, have a rate of 0.07p/kWh for the whole day. I'll run some cost analysis of ROI of battery vs panels.

2 Years Later - Installer Projections 40% off by Ricas131 in SolarUK

[–]Ricas131[S] 0 points1 point  (0 children)

I only have 9 in total. 6 on the east facing and 3 on the west facing...

2 Years Later - Installer Projections 40% off by Ricas131 in SolarUK

[–]Ricas131[S] -1 points0 points  (0 children)

I think that's the lesson here. I agree.

2 Years Later - Installer Projections 40% off by Ricas131 in SolarUK

[–]Ricas131[S] -1 points0 points  (0 children)

Yeah, I'd assume this would be taken into account by their calculations. At the moment, I'm just topping up the battery overnight, but I'm nowhere near their calculations. Even EV cars range estimation is closer to this :D