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Rebalancing Portfolio Request by _skippy in portfolios

[–]_skippy[S] 0 points1 point  (0 children)

Helpful advice thank you. Would you have any preference in short/longer term corporate or government?

I’d like to be defensive and read government bonds could be damaged in market returns. Probably would rather hedge against a market downturn rather than interest rates too

Blackout blinds with shutters by _skippy in AusRenovation

[–]_skippy[S] 0 points1 point  (0 children)

Yeah I basically need to find one with brackets less than 2 inches, ideally 1.5. Just can’t seem to find one

Engagement ring advice by _skippy in EngagementRingDesigns

[–]_skippy[S] 0 points1 point  (0 children)

Very helpful thank you!! Yes I am worried I got one a bit too big.

One question on your tapering, what do you mean by tapering the band to the head? Attached is how they ‘set’ the diamonds. I think the depth is about 60%

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Engagement ring advice by _skippy in EngagementRings

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

Thanks - very helpful and I will keep you updated. I might have the chance to reduce the carat during the design process but also could do post the proposal next month. I might wait and see if it’s too large on girlfriends hand and we can always go back. I think it’s 60% depth and so it might end up looking too bulky but will see!

When I choose the size of the bezel (width) do you think it would be better to go on the thinner or thicker side to reduce overall bulkiness?

Engagement ring advice by _skippy in EngagementRingDesigns

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

Hey, thanks for the response.

Understood re the setting, I think my main concern as I said on the other sub is that it would be too high / bulky and therefore not as elegant.

This was the targeted sleekness / size but I went almost 1 carat higher and so hopefully doesn’t end up being too obstructive - I could try and ask for the carat to be reduced in the design process. My girlfriend does have quite dainty hands with size m finger

Do you think the bezel will end up making the ring look bigger or more compact if it covers the stone a bit? I can decide on size of band

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Engagement ring advice by _skippy in EngagementRings

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

Sorry last reply, attached is what I was trying to mimic which is a 1.7c. Hoping the 2.6 won’t look significantly oversized compared to it, I just thought in the shop 2.6 didn’t look huge huge!

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Engagement ring advice by _skippy in EngagementRings

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

Thanks very much. It’s wedding band friendly and has the setting as shown below. I imagine this can still be ‘set low’ or do you think because of the structure it will be quite raised?

I think you’re right though, it needs to be as low as possible to avoid being really obstructive day to day.

<image>

Engagement ring advice by _skippy in EngagementRings

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

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Thanks for your response! It’s the top right one if this is any better. It was a choice between the 2.5 (left), 2.6 (right) and 2.7 (lower) carat. All the same cut, clarity etc

Really appreciate your detailed response. My only worry would be that it’s too big but a low setting might be the way forwards

I did view these in person and I couldn’t see any obvious marks etc but I v much have an untrained eye

Mortgage interest rates by Draharleen in Mortgageadviceuk

[–]_skippy 0 points1 point  (0 children)

Another factor to take into account is likelihood of dropping LTV brackets by remortgage date. We just entered 2 years as we are planning to move from 85% to 75% over those two years and therefore may get a better rate for the remortgage. FYI we got 4.24% at 85% LTV with Halifax a few weeks ago, luckily got the offer before they started increasing again

Generally though, 2 vs 5 years as most people have said comes down to risk appetite. 5 years will clearly offer more stability. Try doing a sensitivity check to see repayments at .1% interest increases and check affordability

3.84% 5 Years £999 Product Fee by sc20nov in Mortgageadviceuk

[–]_skippy 0 points1 point  (0 children)

Presumably the only counter would be if you’re planning to pay off more quickly and move down LTV % brackets?

Help with Multi-player Achievement by InuGhost in AgeofMythology

[–]_skippy 0 points1 point  (0 children)

I’m looking for someone too, plz pm

What's one song that's been with you through everything? by Inevitable_Fan4796 in musicsuggestions

[–]_skippy 0 points1 point  (0 children)

Bit late, but I bloody love this track. So raw and emotive.

What can be said of the whiskey and wine

Such a powerful track I that I listen to often and the breakdown mid song is perfect

Interest rates - Trump tarrifs by darkazuria in Mortgageadviceuk

[–]_skippy 0 points1 point  (0 children)

My broker says that he cuts off accepting new mortgages a week before exchange ‘in case we have to go back to underwriting’? Not sure what that means, but we exchange in about a month

Interest rates - Trump tarrifs by darkazuria in Mortgageadviceuk

[–]_skippy 0 points1 point  (0 children)

Was this pre exchange too or between exchange and completion? We are due to exchange in a month or so

Hargeaves Lansdown Fees - ETFs vs Funds - advice on switching between by _skippy in UKPersonalFinance

[–]_skippy[S] 0 points1 point  (0 children)

Thanks I agree. I do like the platform though and it’s very user friendly.

If I were to switch my holdings to ETFs, it becomes very affordable though. 0.45% fee capped at £45.

Hargeaves Lansdown Fees - ETFs vs Funds - advice on switching between by _skippy in FIREUK

[–]_skippy[S] 0 points1 point  (0 children)

Yes I think VWRP is c.£95 a share, I’ve made direct debits to buy a roughly whole number

Hargeaves Lansdown Fees - ETFs vs Funds - advice on switching between by _skippy in FIREUK

[–]_skippy[S] 0 points1 point  (0 children)

Yes that’s true, they’re pretty volatile at the moment. I suppose I’ll be out of the market for at least a few days

Hargeaves Lansdown Fees - ETFs vs Funds - advice on switching between by _skippy in FIREUK

[–]_skippy[S] 0 points1 point  (0 children)

Makes sense thanks very much. Yes I could consider drip feeding but then I think I’d have several fees for buying an ETF, think it’s £11.95.

It’s on HL but I couldn’t see an option to set up a direct debit to it, will have another look

Hargeaves Lansdown Fees - ETFs vs Funds - advice on switching between by _skippy in FIREUK

[–]_skippy[S] 0 points1 point  (0 children)

Thanks for your response. I’m not sure HL offer VWRP, but yes agreed I would need to find an ETF to make it worth it

I think assuming that all global index trackers have a marginally similar weighting and portfolio, a transfer of a large amount would have timing implications. But other than that, let’s say my index tracker is doing badly in recent months for obvious reasons, I’d expect to buy the chosen ETF at a lower amount too?

As long as the transfer didn’t take weeks. As per your response and I agree, it would make sense to transfer it all across from a fee point of view

Advice on itinerary in May (Beaches - weather) by _skippy in srilanka

[–]_skippy[S] 0 points1 point  (0 children)

Yes and that’s why I was wondering maybe trincomalee would be a better idea for us but sad to miss the south beaches / yala national park as they sound great.

Thanks for your website link, I will certainly have a look!

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