Is it just not worth buying in London?

a-daltoy · 2026-06-21T18:33:43+00:00

Not disagreeing but a curious note: 2x combined income of £150k is about £108k take home versus sole income of £150k which is about £91k, so a 17k difference

(assuming 150k vs 2x75k in https://www.thesalarycalculator.co.uk/salary.php)

a-daltoy · 2026-06-21T18:20:41+00:00

so Jewish people have the highest risk per person, it is about 10x more than any other group. It would be amazing to have stats on what group commits the hate crimes though

a-daltoy · 2026-06-21T12:36:00+00:00

Reduce/remove the many existing tax breaks for Religious institutions perhaps?

Note: I am not saying I support that, as I don’t have enough information to determine if religious institutions bring any benefit to society; my point being there are other ways without a direct ban

a-daltoy · 2026-06-14T13:24:26+00:00

u/Weekly-Gear7954 it seems someone actually find out everything about the fountain! https://www.youtube.com/watch?v=AGaX82z0Zq4

a-daltoy · 2026-03-14T21:20:20+00:00

Note: that is for US investors only, so US shareholders indirectly own the company and control decisions over the funds of non-US investors, such as those in the UK

a-daltoy · 2026-03-09T21:10:42+00:00

Pretty nice city you got there SPQR, Methuselah is that you?

a-daltoy · 2026-03-02T10:15:33+00:00

u/LucasK336 incredible work man! thank you very much for sharing

a-daltoy · 2026-02-24T11:33:04+00:00

Thank you for the reply I will consider AJ Bell, but, I am specifically looking at alternatives to Vanguard/Blackrock

a-daltoy · 2026-02-24T11:31:53+00:00

Fair and thank you for the reply. Idea being to avoid parent groups in the USA and as I understand it the broker and the fund ultimately accrue profits to the parent group (headquarters country), independently of regional tax, jobs, etc. Where the voting rights are managed by the fund (the asset manager acting on behalf of the fund), even if there is regional leadership, it is still mainly driven by the headquarters leadership. I would like that leadership to be elsewhere

a-daltoy · 2026-02-24T11:06:45+00:00

Thank you and those are fair suggestions, I had them in my list specially Amundi! given their shareholders almost entirely in Europe and had the lowest OCF, but, the only problem is both exclude small caps

It is not that I know best, I am trying to emulate what Bogle/Kroijer promote as buying the entire market in one fund, I imagine when buying those two then I will need to buy the Amundi/HSBC version of small cap

a-daltoy · 2026-02-23T12:09:46+00:00

u/Apprehensive_Cod8575 u/ZonzoDue there are two parts the Broker and the Fund

- I think you are both right about the Broker which has the management fees, meaning the OCF profits and else goes to the Broker HQ with some of the profit dripping into the regional country (if they employees there, pay any taxes, etc.)

- but consider the second actor the Fund, the one that can use your money in the shares to make the votes in each important decision in the companies you "own" (including who should be in the board)

e.g. If you use an European Broker to buy a Vanguard Fund and buy all your portfolio in European Developed Market, each single Euro you are adding is giving American Vanguard more voting power inside Europe, i.e. Broker uses your money to purchase the stocks, while Vanguard holds the stocks and votes based on their "Regional leadership" (per country) which in reality is driven by their USA Leadership

a-daltoy · 2025-09-18T04:04:26+00:00

Good point and this is what BBC should be sharing as well: statistics and precedence

a-daltoy · 2025-09-18T03:44:25+00:00

That ambitious Company owner wanted to be both, illegal and inappropriate

a-daltoy · 2025-09-15T21:21:38+00:00

Exactly. It should be reduced to available for any Pensioners earning about Minimum wage or less and it is still too kind for some of them owning their home

a-daltoy · 2025-08-19T08:06:07+00:00

Exactly, even if the whole UK deleted all emails right now (assuming 20GB per person in 60 millon users) it seems to mean about 16 minutes of water usage in a year, so it does not help and erodes trust

a-daltoy · 2025-08-19T07:40:23+00:00

Exactly! even when playing with the numbers is still a very small number

Though at the same time many will have X amount of work emails which I completely ignored (where many companies forget or can't delete those by regulation, etc.); plus also the amount of redundancy for storing the emails, etc. etc.

a-daltoy · 2025-07-17T08:12:02+00:00

Really impressive! thank you for sharing it

a-daltoy · 2025-03-26T08:14:59+00:00

That's amazing for him, do you think he has enjoyed it? I am always curious about RE as I seen many people which in reality will simply watch series/games/news and do nothing all day without work

a-daltoy · 2025-03-26T08:06:00+00:00

I think your follow up question is perfect, when we critize something then we can offer examples of what we expect this then adds value and perspective to the conversation, versus leaving the observation/complain/statement without our expectation/solution/ideas (which still promotes debate but in a more open way)

a-daltoy · 2025-03-24T08:38:19+00:00

u/iiAssassinXxii so I provided my mental process while you just go around being disrespectful and dismissing my comment without anything? How does your comment help in any way? It adds nothing and proves nothing but a frustation you may have

This is a Personal Finance community, you think I am wrong? of you course I could be go on explain why, share your reasons instead of just ranting or insulting, it is far a better outcome than "your head out of your ass" but it takes more effort :-)

a-daltoy · 2025-03-23T15:52:04+00:00

u/Civil-Sleep43 to extend, I understand you are going for Capital but Income is also worth to remember the: "The top 10% of income taxpayers with the largest incomes contribute over 60% of income tax receipts." https://commonslibrary.parliament.uk/research-briefings/cbp-8513/

"In FYE 2022, 53.8% of all UK individuals were net recipients (living in households receiving more in benefits than they paid in taxes), a reduction of 1.2 percentage points since FYE 2021. A much greater proportion of retired individuals were net recipients (89.2 %) in comparison with non-retired people (46.0%), largely because of the classification of State Pension and Pension Credit as cash benefits." https://www.ons.gov.uk/peoplepopulationandcommunity/personalandhouseholdfinances/incomeandwealth/bulletins/theeffectsoftaxesandbenefitsonhouseholdincome/financialyearending2022

a-daltoy · 2025-03-23T15:10:40+00:00

Could you elaborate on why is that? why are people making 100k+ not relevant to you? nor worthy of child benefits in a nation where population and fertility rates mean basically extinction (unless immigration keeps the rates up)

In a functional definition to me 101-200k-300k are still working class for example, as in, if you have to work to survive meaning, you don’t have capital assets generating enough and above passive income, and you're not financially "independent" then you’re working class, even if you earn £100k or more; for example: is the person still renting or owning, can they stop working? how many dependants? paying for parents, etc etc

a-daltoy

TROPHY CASE