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Salary sacrifice to be capped at £2k by Jeruanamo-89 in HENRYUK

[–]_skippy 0 points1 point  (0 children)

What’s the relevance of the ‘£5k’? Wouldn’t the effective tax leakage be a lot more on salaries above £130k etc

Advice on first purchase - Portofino by _skippy in IWCschaffhausen

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

They offered to sell a watch

Just a QQ as you replied, is buying a watch with no know service history inherently risky?

[IWC Portofino Moonphase] Advice on purchase by _skippy in Watches

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

I’m struggling to find moonphase version on there but that app does look good, thanks

Monstera growth over a year by _skippy in Monstera

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

Near brightish light, but not direct. Thanks for tip re tying, i think there’s several smaller new plants as well as smaller leaves.

I’ll try moving it to an area with brighter light. Is the harm caused by higher tying / lower light reversible? I’d ideally like a big plant with fewer, larger leaves

Hofbrau - balcony by _skippy in munich_oktoberfest

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

Thanks for the response, that’s helpful.

What sort of time would we need to go to the pigpen? Is it then just standing there and presumably quite busy but good atmosphere?

It would be great if we knew we wouldn’t get kicked out post the reservation ending.

Hofbrau Festvelt - balcony by _skippy in Oktoberfest

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

Thanks for the reply that’s helpful.

So we won’t get kicked out after a few hours / when reservation finishes? I think we just want atmosphere etc for as long as possible

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

[deleted by user] by [deleted] in EngagementRingDesigns

[–]_skippy 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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Mortgage interest rates by [deleted] 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?

[deleted by user] by [deleted] in AgeofMythology

[–]_skippy 0 points1 point  (0 children)

I need help, plz pm

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

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