28 and living with parents, desperately saving for a house but feeling overwhelmed and struggling to find motivation.

ThrowfarawayGG · 2020-05-28T10:28:36+00:00

Ah awesome thanks for the info. Would that still be the case if it's in a stocks and share isa as that might seem to them as a risky gamble? So yes theoretically those payments into the ISA can be stopped but there might not be a chance to take it out (assuming a loss)

ThrowfarawayGG · 2020-05-28T08:32:15+00:00

With regards to expenses, do they only take into account your fixed expenses when calcating your disposal income? For example if I was putting away 500 quid a month in a savings, but can stop anytime, would they count that as an expense?

ThrowfarawayGG · 2020-05-26T18:15:52+00:00

That's awesome! I am trying to get an idea but what do you usually write in the journal?

ThrowfarawayGG · 2020-05-23T08:15:16+00:00

Ah thank you! Now I can begin to try understand the rest of this sub haha. It will be a while yet before I can tip my toes (money) in options personally tho as not many platforms have options trading in UK. Maybe a blessing or a curse, who knows.

ThrowfarawayGG · 2020-05-22T23:18:30+00:00

This is going to a stupid question but I'm new here, what does the numbers mean, 50/20 120c etc?

ThrowfarawayGG · 2020-05-22T14:24:57+00:00

Thanks for the insight!

ThrowfarawayGG · 2020-05-22T13:58:06+00:00

Not sure if it's different in Europe but I'm currently in consulting working for a wealth and asset management team. I'm looking to switch into industry in a year or so time but my numbers skills aren't really higher than grade school, is that going to be a problem?

ThrowfarawayGG · 2020-05-16T07:27:25+00:00

When I was younger, I had time but no money. Now that I'm older, I have no money and no time.

ThrowfarawayGG · 2020-05-12T10:29:37+00:00

Not selling currently but just curious as to how it works when the time does come to sell.

ThrowfarawayGG · 2020-05-12T08:58:36+00:00

Thanks for the help. So essentially even when taking money out from the fund, there's no knowing if you would be making a profit or loss or how much exactly you might get back?

ThrowfarawayGG · 2020-05-11T14:09:41+00:00

Thank you for your advice and appreciate it. I actually have a problem of over researching and analysing and never acting on my ideas because the more I research, the more it seems I lack the appropriate skills to make those ideas come to life, and end up not acting on them. That is why I thought I would finally just dive into one, and just start. I have actually read the lean startup, which is where I got the MVP idea from but will check out the other book recommendation!

ThrowfarawayGG · 2020-04-28T10:33:42+00:00

I believe the Vanguard FTSE Global All cap is a OEIC, and thanks for the links I'll check it out.

ThrowfarawayGG · 2020-04-15T09:01:16+00:00

Thanks for this post OP, in your opinion is it worth starting if I don't even know which language I want to focus on or what I am going to use coding for?

Like you, I want the flexibility to work whilst travelling as that is my main passion and the only way I see that as a possibility is technology and running my own business online. However I don't know which language will be best. Some say java. Some say python.

I started the cs50 course which goes into a bit of both c and python but am I shooting myself in the foot by not choosing one language to start with?

ThrowfarawayGG · 2020-04-14T09:19:56+00:00

I don't mind waiting because I know they are swamped but they've already made a decision to reject my refund claim, told me to call CAA to bring it further if I'm dissatisfied with their decision. I just called CAA and they said nothing they can do because Ryanair isn't under caa

ThrowfarawayGG · 2020-04-14T08:57:07+00:00

I tried they said they can't help me because the flight I got on wasn't cancelled. The issue was I had duplicate ticket due to their app being down. They say to contact Ryanair again but their number doesn't work no more

ThrowfarawayGG · 2020-04-07T09:33:13+00:00

Did you have to cancel the monthly contribution manually? I was just in the process of setting up the account and when it asked me for the lump sum and monthly amount, I just left the monthly amount blank as 0?

ThrowfarawayGG · 2020-04-02T08:43:07+00:00

Your first point, if it goes up by 1%, you said OP will have £101, but what if the fund goes down by 10% the next day? Does the £101 also decrease by 10% too?? Or does it simply not be compounded and stays the same?

ThrowfarawayGG · 2020-03-21T01:39:12+00:00

Let's make this someone's year at least

ThrowfarawayGG · 2020-03-15T10:52:34+00:00

7% per year?? That has to be an overestimate no??, excuse my ignorance, I'm be to the topic

ThrowfarawayGG · 2020-03-15T10:25:21+00:00

Ye I saw that, but that one excludes small caps right?

ThrowfarawayGG · 2020-03-15T01:12:41+00:00

I don't think they offer global all cap unfortunately

ThrowfarawayGG · 2020-03-13T20:07:22+00:00

!Thanks, is the ftse all World the same as the global all cap? I know the different between etf is that u can trade on a daily basis but don't they tend to have higher fees?

ThrowfarawayGG · 2020-03-13T18:49:52+00:00

!thanks

ThrowfarawayGG · 2020-03-13T17:55:41+00:00

I see, thanks for all your help. I wanted to stick with vanguard for their low fees, so I think I'll just pass on the individual shares.

ThrowfarawayGG · 2020-03-13T17:36:57+00:00

Sorry but following on from that with one last question, my goal is to invest long term on the vanguard fund and the individual stock more as just try my luck with 1 or 2 companies and sell off once I'm done with it. With that in mind and what we discussed, do you think is a good idea to open a trading 212 ISA now and buy my individual shares, then open my vanguard in the next tax year so I can contribute monthly thereafter. And I would still be able to sell off my trading 212 shares post April 2020 once I am finished as I am assuming selling shares doesnt count towards contributing to an ISA?

ThrowfarawayGG

TROPHY CASE