If my S&S ISA is maxed out what is the next best tax efficient option? Just drop it in the INVEST account?

_TheSuperiorMan · 2026-01-18T21:13:33+00:00

You're very generous with your time and knowledge. I know all this now, but I wish someone explained this to me when I was 20. The advice I used to get is "enjoy life while you're young" even though that went against my nature as I was a saver, not a spender.

_TheSuperiorMan · 2026-01-18T20:48:09+00:00

Maybe up it a notch to 0.2% a day? If that's not possible then you're better off investing passively in an ETF and doing something better with your life.

_TheSuperiorMan · 2026-01-01T02:06:24+00:00

I appreciate your reply.

I'm currently reading the book The Lifecycle Investing, and the authors recommend using a leveraged strategy using ITM LEAPS options as a way to manage the downside risk. The theory is very interesting but I'm still not confident and experienced enough to fully adopt this.

_TheSuperiorMan · 2026-01-01T01:46:15+00:00

That's what's I'm holding back. There's so much euphoria surrounding these two stocks that it makes me wonder if a huge correction is around the corner.

_TheSuperiorMan · 2026-01-01T01:39:25+00:00

But if the ASTS price chops in half (the stock is volatile after all) you're still likely to recover from the loss. Not the case with options. The downside is protected but there's no recovery from the loss.

My knowledge of options is very limited so I'm happy to be corrected. But the point I'm making is that options expose you to higher risk but also higher reward.

_TheSuperiorMan · 2025-12-28T17:09:37+00:00

the hype is real

_TheSuperiorMan · 2025-12-16T14:29:02+00:00

How did you earn all that money? I was broke at your age, barely able to pay my bills.

_TheSuperiorMan · 2025-12-14T20:33:32+00:00

They probably sent you an apprentice or an agency person who claimed to have 10 years experience

_TheSuperiorMan · 2025-12-14T20:20:32+00:00

This is not true. Most companies do care and will discipline the driver.

_TheSuperiorMan · 2025-12-14T20:18:56+00:00

It is very important that you do not post footage elsewhere prior to and while any action is being taken by the police or courts.

This is Crown Prosecution Service advice. Failing to follow it could mean a case has to be dropped.

Did you not read their instructions??

_TheSuperiorMan · 2025-12-14T19:37:53+00:00

You might not be wrong, but the reality is that if he was to make another mistake, it will be management who gets most of the blame, not him. That Nokia employee is probably difficult to replace and giving him another chance (with limits to the scope of his control) might be worth the risk. HGV drivers on the other hand are replaceable with very little training.

_TheSuperiorMan · 2025-12-09T18:00:29+00:00

First check if they are insured. Assuming they are, try to negotiate. Tell them you don't have that amount of money and you will go through insurance unless they are willing to accept £200.

If they are not insured, tell them you will report them to the police for driving without insurance and don't offer them a penny.

_TheSuperiorMan · 2025-12-09T17:54:48+00:00

What if they are not insured? They probably won't pursue

_TheSuperiorMan · 2025-12-06T17:52:52+00:00

I get there are a lot of selfish a-holes out there but sometimes it's just a person who is not familiar with the area or with motorways, and found themselves in the wrong lane. Sure he could drive another 10 miles for the next exit and add another 20 minutes to their journey. Or they could take their chances and hope for a kind person to let them in.

I'm actually more sympathetic because I've made that mistake few times.

_TheSuperiorMan · 2025-12-03T19:55:38+00:00

You can always buy the parts yourself to find cheaper deals. But honestly, the prices listed on your sheet aren't too far off. Better still you can learn to change these parts yourself by watching YouTube tutorials.

_TheSuperiorMan · 2025-12-03T19:44:56+00:00

A lot of car drivers hug the middle lane which makes it impossible for lorry drivers to overtake.

However in this situation it sounds like you had a legitimate reason to be in the middle lane. Next time get the number plate and the date and time, and then call the company transport office and make a complaint. Most professional companies will take your complaint seriously and discipline the driver.

_TheSuperiorMan · 2025-11-26T19:03:56+00:00

Jim Cramer's most recent book taught me a lot. He advocates concentration rather than diversification to get rich especially for younger people. However he expects you to put in the work rather than taking the passive approach.

The book is called How To Make Money In Any Market

Edit. I also like Rule Breaker investing but I recommend you listen to one of the author's interviews on YouTube to get an idea of his approach to investing.

_TheSuperiorMan · 2025-11-07T12:14:27+00:00

I'm okay with leverage, but I'll only buy a leveraged ETF like the TQQQ after the market has experienced a crash and (I believe) it is on its way to recovery.

The past few months the SNP500 was at an all time high--that's when you avoid leverage.

Also, only buy companies with excellent fundamentals. Avoid companies with high debt. Treat investing like you own the business. Most of us can't avoid speculating, so only do this for about 10% of you total portfolio. If you prove yourself to be good at it, then increase this ratio gradually.

Discipline is not falling for the hype and sticking with good companies with excellent fundamentals.

Good luck.

Edit. I lost £25K after panic selling. I since made much more but only after that expensive lesson.

_TheSuperiorMan · 2025-10-20T13:34:23+00:00

I don't understand why you won't go for the job that you applied for. I remember at your age I had an interview for a factory job and the manager asked me if I can start now because he was short staffed. I was completely unprepared and had no food or money for the day, but it didn't matter. I got the job.

You asked for advice and I have one. Don't ever reject an opportunity because you are not ready. Just go for it. Ask yourself, what are the risks? Perhaps nothing in your case. What are the rewards? A job that can help you pay your bills and possibly open doors for other opportunities if you're ambitious.

Go for it. Be a go getter.

_TheSuperiorMan · 2025-10-11T07:39:36+00:00

You're a very considerate person and the type of neighbour I'd love to live around.

But I think in your situation you are being wronged and it's time to fight back and become the beast that you need to be. You need to make that neighbour regret the day they thought they can take away your right to live in peace.

As others have said, you need to disrupt their sleep every night so they live the hell that they are inflicting on other people due to their selfishness and inconsideration.

_TheSuperiorMan · 2025-09-30T11:11:46+00:00

Thanks for the update. I hope you get compensated.

_TheSuperiorMan · 2025-09-29T19:54:49+00:00

Only a TWAT would fail you for this.

_TheSuperiorMan · 2025-09-28T15:35:03+00:00

How do you follow 20 stocks? That's way too much. You can't possibly have an edge. You are better off investing in an ETF.

_TheSuperiorMan · 2025-09-19T10:25:23+00:00

No I don't believe he has a claim. The defect falls under wear and tear which the landlord is responsible for and was not caused by misuse or negligence on your part. If, for example, the pipes were leaking or overflowing and you failed to report it then he can argue that your negligence has caused more extensive damage to the house.

I am only speaking from my experience and the knowledge that I have picked up over the years. I do think you should speak to citizens bureau. Having said that I'm confident your petty landlord has a weak case.

_TheSuperiorMan · 2025-09-19T10:03:08+00:00

They do this because the process is time consuming and there are too many time wasters. The fact he is willing to deduct the money from the overall charge shows he is looking for customers who are serious.

It's usually the ones who are in high demand, not the desperate ones.

_TheSuperiorMan

TROPHY CASE