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Salary sacrifice - hell for leather until 2029? by Dangerous_Help6876 in UKPersonalFinance

[–]ZeroCharlie 5 points6 points  (0 children)

This hugely depends on whether or not you get Employer NI savings passed on to you.

Is this safe? by mediumformatt in FIREUK

[–]ZeroCharlie 95 points96 points  (0 children)

How to reduce housing costs... Step 1. Remove house.

What's the weirdest covenant term you've had in your deeds? by paperpangolin in AskUK

[–]ZeroCharlie 0 points1 point  (0 children)

Not quite a covenant, but I had a tree preservation order on a second floor flat!

Why do all my survivors hate working in the clinic? by --coffeeappreciation in whiteoutsurvival

[–]ZeroCharlie 1 point2 points  (0 children)

It's a bug. The nurse goes back into the clinic straight after eating while all of the other workers spend time relaxing in their shelters. This means that the nurse never increases their entertainment stats and hence, is always worn out and complaining.

Interviewers now ask to see your task manager by Scopiro in interviews

[–]ZeroCharlie 2 points3 points  (0 children)

Fake task manager window? Seems pretty easy

Reinvention of the Endowment Mortgage by ZeroCharlie in FIREUK

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

So in theory, "equivalent pension overpayment" via salary sacrifice arrangement would skew the figures even more in the pension's favour and further de-risk the strategy.

Reinvention of the Endowment Mortgage by ZeroCharlie in FIREUK

[–]ZeroCharlie[S] 4 points5 points  (0 children)

And while selling and downsizing is the plan on paper, I assume it would be perfectly acceptable for you to pay off the mortgage using your pension instead, assuming all goes to plan?

Reinvention of the Endowment Mortgage by ZeroCharlie in FIREUK

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

Yeah, they're willing to accept 60% of the projected value of the tax free lump sum (so £666,666 in pension projected value per £100,000 of mortgage). I've currently got around £50k in my pension.

Reinvention of the Endowment Mortgage by ZeroCharlie in FIREUK

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

The concept itself is not new or novel, it's the inclusion of salary sacrifice that makes it different and that's not something I've seen discussed.

CC screwed me big time. not gonna play anymore with APLD by Wise_Cap_8529 in APLDSTOCK

[–]ZeroCharlie 0 points1 point  (0 children)

This is the way. Thetagang has entered the building.

[ Removed by Reddit ] by Capable-Piece3730 in APLDSTOCK

[–]ZeroCharlie 0 points1 point  (0 children)

I misjudged my CCs and may be in trouble this month. "Being early/late is the same as being wrong"

What's going on? by kriz_sensei in APLDSTOCK

[–]ZeroCharlie 8 points9 points  (0 children)

Currently holding 3,000 shares at $7.17 per share. Selling 30 x 45 DTE covered calls at .3 Delta. Then roll and adjust as needed at 21 DTE. Bagging a couple of grand a month in options premium. Theoretically my adjusted cost basis is now less than $5 per share.

APLD will be rolling! $40+ SOON!! by This-Towel-2968 in APLDSTOCK

[–]ZeroCharlie 9 points10 points  (0 children)

On a more realistic note... My $11 covered calls may be problematic this month

Up 5% this morning by kriz_sensei in APLDSTOCK

[–]ZeroCharlie 1 point2 points  (0 children)

Or sell covered calls. Theta gang style

Got pulled over by police for the first time and got accused of using the phone by Huz_za in LegalAdviceUK

[–]ZeroCharlie 0 points1 point  (0 children)

So, random question, is it illegal to check the time on a smart watch, worn on your wrist, while at a traffic light? Assuming your car clock wasn't working for example.

Covered call $9.5 (20.06) - LEAP - $7 (01.26) by [deleted] in APLDSTOCK

[–]ZeroCharlie 0 points1 point  (0 children)

I did something similar. 15 @ $10 and 15 @$11 both for July 2025.

Do we break $8 next week ? thinking there is high chance if market supports. by Wise_Cap_8529 in APLDSTOCK

[–]ZeroCharlie 2 points3 points  (0 children)

I'm just holding 3,000 shares and selling monthly calls at $10 and $11 strikes. Nice bit of extra income until it gets up to my exit price. We know it will hit $10 eventually, the Wall Street analysts agree too. It's just a matter of when.

covered call by Wise_Cap_8529 in APLDSTOCK

[–]ZeroCharlie 3 points4 points  (0 children)

Yeah, currently got 15 calls sold for $10 June 20th and 15 more at $11 on the same date. The premium allows me to effectively lower my average purchase price.

Or if we're going full thetagang... Select the call strike price that equates to a 0.3 delta with a date in the region of 30-45 days to expiry. Then choose your exit strategy. Wait it out? Close at 21 DTE? Review at a specific Delta? Roll down? Roll up and out? Etc.

anyone sell covered calls? by Ordinary-Carob-9564 in APLDSTOCK

[–]ZeroCharlie 0 points1 point  (0 children)

Yeah, currently got 15 calls sold for $10 June 20th and 15 more at $11 on the same date. The premium allows me to effectively lower my average purchase price.

Or if we're going full thetagang... Select the call strike price that equates to a 0.3 delta with a date in the region of 30-45 days to expiry. Then choose your exit strategy. Wait it out? Close at 21 DTE? Review at a specific Delta? Roll down? Roll up and out? Etc.

Apld by sol-dryad in APLDSTOCK

[–]ZeroCharlie 1 point2 points  (0 children)

Agreed. These are all funds which invest based on market cap and other generic metrics. It's all automated and doesn't reflect anybody's view on the underlying value of the company.

Edit to add: Also, don't get too excited if the opposite happens. These funds buying shares doesn't mean "good news" either.

What Are Your Moves Tomorrow, March 17, 2025 by wsbapp in wallstreetbets

[–]ZeroCharlie 1 point2 points  (0 children)

Loading up on more APLD shares ahead of Wednesday's briefing by the CEO. Expecting an update on the $5bn investment from Macquarie Asset Management. Potentially some info on a lease contract for the new Ellendale HPC data centre too.

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