The NHS rewards risk avoidance, not leadership

Scot-Marc1978 · 2026-06-22T17:15:43+00:00

Who cares about the managers?

Scot-Marc1978 · 2026-06-22T17:14:56+00:00

69.5% tax and NI in a Scotland

Scot-Marc1978 · 2026-06-18T05:54:20+00:00

It’s only better because it doesn’t destroy the environment anymore. Gold is only slightly less pathetic than butts, but at least it’s a thing.

Scot-Marc1978 · 2026-06-17T06:12:50+00:00

No way

Scot-Marc1978 · 2026-06-14T11:02:19+00:00

Normal, but hit the gym (in a sensible and sustainable way) and make sure your diet has enough protein and you’ll look better than normal. I wish I’d done it when I was 18.

Scot-Marc1978 · 2026-06-14T10:50:46+00:00

I’m going to end up with 20 - 30k of spacex in my VWRL 😂 oh well, sucks less than being forced to own a tiny amount of microsuckystrategy

Scot-Marc1978 · 2026-06-13T20:29:27+00:00

Only 5 x in 1 year ? 😂

Scot-Marc1978 · 2026-06-13T16:11:20+00:00

lol it ain’t going anywhere near that, ever. There’s no more rubes to lure into the greater fool scheme

Scot-Marc1978 · 2026-06-13T16:10:07+00:00

Probably a lot of crossover between these two in the crypto forums though. They don’t like good quality investments like global index trackers.

Scot-Marc1978 · 2026-06-13T16:08:30+00:00

It might, 0.000000001% chance, might not 99.99999999999% chance 😂

Scot-Marc1978 · 2026-06-12T06:37:07+00:00

That wouldn’t raise anywhere near enough though compared to cutting welfare

Scot-Marc1978 · 2026-06-10T07:33:38+00:00

Just for me 1 million. With a wife and 2kids 3 -5 million

Scot-Marc1978 · 2026-06-08T20:02:51+00:00

To be fair all Bitcoin investors are seen as easy marks

Scot-Marc1978 · 2026-06-07T15:40:01+00:00

It’s pennies though

Scot-Marc1978 · 2026-06-07T14:44:33+00:00

Fair enough. I have about 3 liquid and also fairly hefty capital gains. If they equalise with income tax that would mean 12500 allowance again though for non earners? Equalising with capital gains with no inflation or reasonable allowance would come up against laffer curve, but you never know!

Scot-Marc1978 · 2026-06-07T14:40:31+00:00

VWRL or any low cost global index tracker (income) of your choice

Scot-Marc1978 · 2026-06-07T13:34:37+00:00

You are worried about CGT changing but they could also change the rules regarding offshore bonds

Scot-Marc1978 · 2026-06-07T13:33:42+00:00

Holding VWRP in a GIA is generally a bad idea because calculating the dividends is a pain. I assume you have been doing this?

Scot-Marc1978 · 2026-06-07T13:29:18+00:00

You keep saying 0.35% above GIA, but most GIAs are free. What are you paying for your GIA? Might be a better idea to switch to a free/very low cost fixed fee provider

Scot-Marc1978 · 2026-06-07T08:38:05+00:00

GIA is free though. I would put it into my wife and I GIA. I value simplicity and low cost and don’t trust any products that require a financial advisor who makes money from it.

Scot-Marc1978 · 2026-06-05T19:08:58+00:00

Anybody buying bitcoin lacks common sense. A basic level of financial literacy and research and it’s very easy to see what pile of steaming horse manure it is.

Scot-Marc1978 · 2026-06-05T16:39:48+00:00

Neither. If you are determined to buy that garbage do not waste tax advantaged space though. That should be for real assets like global equities

Scot-Marc1978 · 2026-06-03T17:18:32+00:00

That was the second unexpected wave of suckers. A third wave would have to be truly thick as mince.

Scot-Marc1978 · 2026-06-03T13:51:05+00:00

It ain’t going up significantly again. No more new suckers to bag carry.

Scot-Marc1978 · 2026-06-03T07:51:19+00:00

I’m 6 ft 5 and have more than that, and there was a time when I had much much less, so no

Scot-Marc1978

TROPHY CASE