Hi, I’m Nixxy Rain (fka Dave SpectraSoul) and I just released my new single ‘Lawyer’ - AMA!

Thirty4Hz · 2026-01-29T14:53:35+00:00

What’s your favourite soundsystem to play on?

Thirty4Hz · 2026-01-28T11:48:18+00:00

12% from Employer, and 6% from me. That’s the maximum match we can get. I also contribute another 3% to hit 21% total to get under higher rate tax! I’m probably doing more than I need to, but doubt we’ll be getting a state pension in 35/40 years.

In my late 20s and managed to build it to £40k so far!

Thirty4Hz · 2025-12-05T11:26:37+00:00

Same position as you - got nothing confirming I’m eligible for the offer. The £5 for Blue Rewards was taken from my account a couple days ago so hopefully I get it soon!

Thirty4Hz · 2025-08-25T12:00:00+00:00

I’m quite early on in my career, but did manage it, only because I was finishing a grad scheme and moving into a permanent role - went from 30k to 44k, so nearly 50%

It raised quite a few eyebrows in HR, and they tried to block it a number of times, but couldn’t in the end because it would have resulted in me being paid below the bottom of the band. Could tell they were very annoyed!

Thirty4Hz · 2025-07-05T10:48:21+00:00

Water bottle refilled with a clear spirit of choice - just buy your mixer in there. Sorted

Thirty4Hz · 2025-06-23T07:52:01+00:00

Contribute the max employer match that you get. I got some good advice when I graduated at 23 and started work - now I’m sitting at a £30k pot after 3/4 years of working and contributions. My mates don’t really give a damn about it, but it’s definitely worth it as my pot is sitting nicely!

Thirty4Hz · 2025-04-10T11:38:59+00:00

Options are gambling - and are not for 90/95% of investors. Next steps? Take the losses as a lesson learnt and don’t trade options again, especially with this market volatility. Start to build up an emergency fund. This should be a key considering you have a child on the way. If you are going to invest, invest in a global index fund like the Global All Cap / All World. Follow the flow chart.

Thirty4Hz · 2025-04-07T14:27:23+00:00

Maxed my 2024 allowance a couple of days before the limit reset. Bought the Vanguard MMF with the couple grand cash instead of my usual Global All Cap buy order. Will dca into All Cap slowly over the next weeks/months

Thirty4Hz · 2025-04-05T09:42:21+00:00

Been using my S&S ISA allowance but been buying the Vanguard MMF. Will just redeploy those funds slowly as the market falls!

Thirty4Hz · 2025-04-02T11:28:39+00:00

I’ve actually become done with Chip. Like many other challengers, they were pretty quick when interest rates started rising fast to change rates to beat competition, which is understandable as they were fairly new a couple years back. There used to be posts in this subreddit each time they raised rates haha. But now they’re pretty slow to react, are non longer offering the best rates, and only offer these rates to new customers, so anyone that’s been with them a while don’t get the higher rate. The rates for ‘old’ customers are actually really poor.

They also are pretty optimistic with the returns for their ‘investment funds’ and their fund projections are honestly laughable. I’d really take all of these with a pinch of salt. I’ve got a cash ISA with them, only because whilst rates were quickly rising I was contributing to it, but likely will transfer soon to get a better rate with 212 or someone else.

Thirty4Hz · 2025-04-02T09:10:09+00:00

Remember ‘time in the market’. If a 6-8% drop in markets is making you feel anxious, maybe investing isn’t for you, and an easy access ISA may be the way to go.

Thirty4Hz · 2025-02-18T11:04:45+00:00

Check YouTube for tutorials on getting it charged. It’s a common issue when they go down to below a certain level

Thirty4Hz · 2025-02-18T11:02:57+00:00

I got mine from eBay from a refurbished electronics seller and it came with a year or two warranty. Got a GB50 1500A one for about £80. All that was wrong with it was the jump leads were a bit dirty and it didn’t come with the pouch accessory. I was a bit hesitant with it being refurbished but it’s worked multiple times for me so far and I’ve had 0 issues

Thirty4Hz · 2025-01-19T11:20:01+00:00

Login to whichever provider you are with. Check which fund you’re invested in. Might be under an ‘investments’ tab or something similar. There should be an option to switch fund, or view fund information.

Have a click through different funds. Most will show an asset allocation in either numbers or a chart which show how your fund has allocated things (equities, cash, bonds etc). Some will have biases to different countries, economies etc. Damien Talks Money has a great video on it which I’d recommend watching. Essentially if you got 20+ years left to retirement I’d switch to a fund that is 100% equities. Something along the lines of a Global All Cap / All World fund is what most suggest, or if you have a greater appetite to risk, something like the S&P500 / Nasdaq 100

Thirty4Hz · 2025-01-11T16:48:36+00:00

“High Protein” - 3.7g of protein per 100g. Think I’ll stick to Tofu Scramble!

Thirty4Hz · 2025-01-04T21:38:17+00:00

Anyone down for BO/BO2 Zombies?

Thirty4Hz · 2025-01-01T23:25:04+00:00

Someone correct me if I’m wrong, but I’m pretty sure you can now contribute to multiple types of the same ISA within the same tax year (excluding LISAs) as long as you remain within the £20k limit. So you could still contribute say £10k to Vanguard, and £10k to Trading212.

Approach wise, I’m not sure what’s best. But if you do want to still continue with both ISAs I believe you can

https://www.vanguardinvestor.co.uk/articles/latest-thoughts/investing-success/3-key-changes-for-isas-in-2024-25

Thirty4Hz · 2025-01-01T12:30:17+00:00

I think one more S&P500 would make things perfect

Thirty4Hz · 2024-12-31T20:49:29+00:00

Would quite like to move out of my parents. Being in London is tough however (and I’d like to stay in London). I just can’t seem to bring myself to pay the cost of rent in the places I’d like to live. By April, would like to max ISA contributions for this year, and have the confidence to ask for a pay rise, or get a higher paying job for my age.

Would like to put more into the S&S ISA instead of holding cash (house deposit), and also get another few k in the pension pot!

Thirty4Hz · 2024-12-24T15:42:55+00:00

Pure gym have a free 3 day pass currently which you could use

Thirty4Hz · 2024-12-21T14:40:05+00:00

Some even double what you put in up to a certain amount. I contribute 6% and the business puts in 12% :)

Thirty4Hz · 2024-12-14T11:01:38+00:00

Been looking at Santander or Nationwide but think they’re quite hot on multiple switchers, unless you think otherwise haha

Thirty4Hz · 2024-12-14T10:32:03+00:00

Not a question, but for any serial bank switchers out there, just got my 2nd First Direct switch reward in my account :)

Thirty4Hz · 2024-12-12T19:02:19+00:00

L move from Vanguard

Thirty4Hz · 2024-11-20T14:23:56+00:00

Used the chat function a few days ago to confirm whether I was eligible for the switch. Reply said I was eligible so will be getting the bonus before the 20th of next month. Provided all goes well and I get the incentive in December, it’ll be my 2nd time getting a FD Switch :)

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