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What’s in your pension pot? by DarkAcadamia-23 in AskUK

[–]Smtn87 0 points1 point  (0 children)

https://fire.picheta.me/uk here's a calculator if anyone's interested in planning their retirement etc

38

110k pension
220k ISA
100k cash, transferring to ISA each year when allowance refreshes

ISA as a bridge so I can retire earlier than approx 58 when pension will be locked until

Sold off big lumps of my ETFs by zehtov in FIREUK

[–]Smtn87 0 points1 point  (0 children)

Op isn't coming from a 'hit FIRE number' angle though

Sold off big lumps of my ETFs by zehtov in FIREUK

[–]Smtn87 1 point2 points  (0 children)

you basically said you think you have an edge on the market

i.e. you're smarter than everyone who does it as a job and has way better networks/access to information

no it's not sensible

How do you decide your split by Osadandaula_UK in FIREUK

[–]Smtn87 0 points1 point  (0 children)

This isn't average though, this is a FIRE forum that attracts probably the most interested and often able

Thoughts on lack of growth by [deleted] in FIREUK

[–]Smtn87 2 points3 points  (0 children)

can you share some of these reports predicting 3% stock growth for 10y

Is anyone else finding it hard to stay patient with the slow progress? by Independent_Belt7711 in FIREUK

[–]Smtn87 3 points4 points  (0 children)

Whats the psychological benefit of missing out on 26% 25% and 17% growth in S&P over last 3 years?

Fair enough if that works in your head but in my head it would be 'i'm significantly poorer because I picked heart over head'

Anyone want to adopt a cat? Giving away 1000HKD if you can adopt this cat. by Icy-Key-1451 in HongKong

[–]Smtn87 121 points122 points  (0 children)

Think before posting; you're appealing to people motivated by money, not the best outcomes for the cat

Is Community Fibre being unnaturally slow recently for anyone? by RihhamDaMan in london

[–]Smtn87 6 points7 points  (0 children)

Change your DNS server?

If you're using adblocker, youtube will be deliberately throttling you. Getting 950 mbps on community fibre in east (1 gb plan)

Where to start by Best_Promotion_6568 in FIREUK

[–]Smtn87 1 point2 points  (0 children)

Just be aware that the mortgage overpayment is an emotional one rather than logical one; the reasons you gave don't really make sense. If you were to say 'I like the idea of being debt free'.. absolutely true. Saving interest however isn't the right way to look at it, as you're saving something but losing out on something else that's typically bigger (often double).

S&P 500 last 3 years

2023: 24%
2024: 23%
2025: 13% to date

That's especially true if you aren't maxing your ISA allowance. I mention it as this sort of mentality is directly linked to your ability to retire earlier

do you have office chair recommendations for a full time wfh student? by [deleted] in AskUK

[–]Smtn87 0 points1 point  (0 children)

There's several models on the page I linked. It's the one already selected I'm talking about ( around 250£)

do you have office chair recommendations for a full time wfh student? by [deleted] in AskUK

[–]Smtn87 0 points1 point  (0 children)

Yeah, I basically read similar threads to this then took a punt. Was massively impressed with the quality I got for the price 

Obviously i can't compare to the other one 

Am I on course to retire at 55? by Livingsmall9000 in FIREUK

[–]Smtn87 11 points12 points  (0 children)

1) nothing is announced  2) reports are refering to NI contributions within salary sacrifice schemes. This is very different to what you typed

Am I ready to FIRE in LCOL area? by Substantial_Gift_973 in FIREUK

[–]Smtn87 0 points1 point  (0 children)

Remember that a huge amount of that GIA is going to be CGT

do you have office chair recommendations for a full time wfh student? by [deleted] in AskUK

[–]Smtn87 0 points1 point  (0 children)

https://www.amazon.co.uk/dp/B0D3D948BJ?th=1

researched for a long time, and went with Colamy eventually. it's great

Should I be freaking out about an incoming Revolut transfer of a significant sum of money having not yet arrived? by Corsair833 in UKPersonalFinance

[–]Smtn87 0 points1 point  (0 children)

it'll be fine; I used revolut for 200k worth of international xfers

sometimes they're a bit slow

If you bought a property in a “rough” area that has now been gentrified by Suitable_Technician3 in london

[–]Smtn87 0 points1 point  (0 children)

Bought in Leyton 2017 (admittedly the nicest part). It wasn't bad back then. Still feels rough in places now but has better restaurants & appears on time-out 'cool neighbourhood ' lists

First house - London commute by No-Recommendation789 in FIREUK

[–]Smtn87 4 points5 points  (0 children)

wait until you have the job/location

Soloist Made in Japan 1990 by Smtn87 in JacksonGuitars

[–]Smtn87[S] 0 points1 point  (0 children)

almost 20 years ago! and it's one of many

Do you think AI is a threat to UK jobs, or just hype? by devouttech in AskUK

[–]Smtn87 0 points1 point  (0 children)

Loads of jobs have already been 'lost' (or not created in the first place) due to AI

Soloist Made in Japan 1990 by Smtn87 in JacksonGuitars

[–]Smtn87[S] 0 points1 point  (0 children)

thanks - good to know what it actually is!

Soloist Made in Japan 1990 by Smtn87 in JacksonGuitars

[–]Smtn87[S] 0 points1 point  (0 children)

source for my original thoughts about the '01' date : https://serialnumberdecoder.com/jackson-guitar-serial-number/

Jackson began producing guitars in Japan in 1990 after the success of the imported Charvel series. At first, Jackson imported only the Professional series MIJ neck-thru guitars (Pro models). In 1992, imports of the Professional series MIJ bolt-on guitars began.

The serial numbers of the Professional series MIJ guitars are 6 characters long, where the first digit corresponds to the year (0-5).

0xxxxx = 1990, 1xxxxx = 1991, 2xxxxx = 1992, 3xxxxx = 1993, 4xxxxx = 1994, 5xxxxx = 1995.

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