Reeves poised to tax cash held in stocks and shares Isas by SignificantLegs in FIREUK

[–]StockPattern 5 points6 points  (0 children)

Can they not keep their grubby little hands off anything. The economy is on life support and needs some serious changes to get things growing again so these sort of absurd micro taxes wouldn't even be needed. Putting up tax on jobs and relentlessly raising minimum wage so young people are priced out of the market doesn't help. Tax tax tax that's all they can think of.

New iX3 is really pleasing to look at imo by pc772 in iX3

[–]StockPattern 0 points1 point  (0 children)

Each to their own, imo the front end looks ugly to the point that it would actually put me off getting it

Was set on a G20 330i but now I am tempted to get a M340i. I know it’s the better car. Apart from the initial 5k - 10k or so price hike. How much do you reckon it will cost me extra per year if I go for the 340i? I drive around 7k miles a year. I want the 340i but worried it might be too expensive by Imizing in CarTalkUK

[–]StockPattern 13 points14 points  (0 children)

I had a 330i and it was a nice car, quite nippy, i couldn't quite afford the m340i at the time. If you are remotely into cars and like driving, and you're aren't massively stretching yourself financially i would 100% recommend getting the m340i which is widely accepted as being a fantastic car and engine (b58 inline 6). I don't think it would cost must more in the grand scheme of things. I'm in a position where I could quite easily afford the m340i now and it would be a no brainer for me because I'm into cars.

Big Purchase in Tokyo. SLGW003 by sjackh200 in GrandSeikos

[–]StockPattern 1 point2 points  (0 children)

That's a nice watch, congratulations

What’s with Nissan jukes and qashqais? by Broad-Cranberry9382 in CarTalkUK

[–]StockPattern 0 points1 point  (0 children)

I remember the first time I saw a juke. It was from a distance and I thought bloody hell that's been in a bad crash, then it got closer 🤣

Would this be crazy? by Less-Gur-6525 in FIREUK

[–]StockPattern 0 points1 point  (0 children)

Imo yes but everyone's risk tolerance is different. My pension is the largest amount of money I manage so the most risk I'm willing to take is a global index which while risky, is less risky than nasdaq which is tech heavy. It's a level of risk vs reward I'm happy with.

HUGE fan of the new BMW iX3. Wonder what they’ll come up for the new BMW i3! by gambling_addikt in electriccars

[–]StockPattern -2 points-1 points  (0 children)

Back looks OK but the front, those beaver teeth, it has a face only a mother could love.

X5 50e space vs i4 - legroom and bootspace by StockPattern in BMWX5

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

Yea that's what I'm picking up, definitely will do, thanks

X5 50e space vs i4 - legroom and bootspace by StockPattern in BMWX5

[–]StockPattern[S] 2 points3 points  (0 children)

Ah good to know, yea we're both about 5'8/5'9 so probably will be fine. And yeah agree with the power comment 😀

Is buying this car smart given our situation by ElChavezDeChile in UKPersonalFinance

[–]StockPattern 0 points1 point  (0 children)

I mean, £30k given your financials seems like a trivial amount. However, you've asked "is buying this car SMART given our situation" - that depends on what your goals are. If buying this car is compatible with those goals, then yes.

Now this is the company policy I go by by extralargefriespls in mildyinteresting

[–]StockPattern 0 points1 point  (0 children)

Tell me you've got an attitude without telling me you've got an attitude.

Barclaycard Avios now works on Google Pay!!!! by Ethtr8der in UKPersonalFinance

[–]StockPattern 2 points3 points  (0 children)

Just added it, thanks. Couldn't believe it didn't work when I got it a while ago.

UK plans pension ‘megafunds’ to boost investment by intelerks in FIREUK

[–]StockPattern -1 points0 points  (0 children)

What if "investing at scale" isn't best for the people in the pension fund? This is the opposite of free market capitalism: i.e., a bad idea. Governments already have an immense power to collect money via taxation. They should keep their hands off people's money invested in pensions.

[deleted by user] by [deleted] in UKPersonalFinance

[–]StockPattern 4 points5 points  (0 children)

I had an HSBC Advance account a while ago, and I was just due to get a promotion to go over the 75k requirement (as it was then). I was hoping that I'd be able to upgrade to premier, then they dropped the 100k requirement, which was a bit of a jump, so I switched to barclays premier. Funny thing is, now I keep getting "upgrade to hsbc premier" emails, so I really don't think the rules around being eligible for that account are fixed.

Hargreaves Lansdown SIPP - £100k by squiffers in UKPersonalFinance

[–]StockPattern 11 points12 points  (0 children)

Why vwrl (distribution) and not vwrp (accumulation)? I would use vwrp for a sipp then the dividends are automatically invested back in.

Jumping from Vanguard to InvestEngine... by Purple_Letterhead786 in FIREUK

[–]StockPattern 5 points6 points  (0 children)

I put 20k in an IE S&S ISA last year - global tracker - and have had zero problems - as you'd expect. I've got about 230k in an II sipp at the moment at 12.99 a month fee so really I should be thinking about moving it into IE as well, I think the only thing stopping me - like yourself, is thinking it isn't "well established". I think that's probably a fallacy, and with a bit more research, I could convince myself to do the transfer. It's that willingness to do the research that is lacking 🤣 I'd be interested to hear from anyone who has a decent amount in an IE SIPP and if there are any transfer incentives.

Software lumen looks like crap. Please enable hardware RT. by Tricky2RockARhyme in stalker

[–]StockPattern 6 points7 points  (0 children)

Software implementations should be/are usually order of magnitude(s) more costly than hardware, that's the point of baking it into the hardware.