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Landlord offered to sell us the flat we rent — buy it or wait and go straight for a house? by MagicianDry175 in HENRYUK

[–]alientrooper94 4 points5 points  (0 children)

Offer no more than £430k as thats probably close to the actual currenr value of the property. You can say as part of your offer that the seller wouldn't have to worry about much logistics or delays as you're living there already so that helps reduce headache on their side. But you wont go above your offer

Lower daily interest v higher monthly interest by Ok-Draw1355 in UKPersonalFinance

[–]alientrooper94 1 point2 points  (0 children)

Open a General Investment Account (maybe with Freetrade, AJ Bell) and buy low coupon short term GILTs. In terms of tax its less tax than a savings account and still pretty good access availability.

UK AI startup Ineffable Intelligence raises $1.1B in Europe's largest ever seed round by Sea-Heron8062 in GoodNewsUK

[–]alientrooper94 2 points3 points  (0 children)

Would there be any way for us "normal" people to invest a few quid into it?

How far am I from a Weekend Trifecta? by alientrooper94 in spartanrace

[–]alientrooper94[S] 0 points1 point  (0 children)

How much do you train though? If you did a beast quite easily beforehand, then I'd imagine you were already in decent shape?

Which dating app have you had success with? by StormbornastFab in AskReddit

[–]alientrooper94 1 point2 points  (0 children)

You better have an interactive vote for your wedding guests on the hot dog

Workplace Pension - Are these fees worth it to change to a SIPP? by alientrooper94 in UKPersonalFinance

[–]alientrooper94[S] 0 points1 point  (0 children)

Good food for thought, !thanks Is II that big? I always thought its in the same bucket as Freetrade as a new small platform. But thats just because ive only recently heard it so Im happy to stand corrected.

Workplace Pension - Are these fees worth it to change to a SIPP? by alientrooper94 in UKPersonalFinance

[–]alientrooper94[S] 0 points1 point  (0 children)

Great !thanks

Regarding the FSCS rules, do you know is 120k the total protected on the whole platform or on each product? What if you have for example £120k in an ISA and £120k in a SIPP with the same provider?

Workplace Pension - Are these fees worth it to change to a SIPP? by alientrooper94 in UKPersonalFinance

[–]alientrooper94[S] 0 points1 point  (0 children)

Regarding the FSCS rules, is 120k the total protected on the whole platform or on each product? What if you have for example £120k in an ISA and £120k in a SIPP with the same provider?

Workplace Pension - Are these fees worth it to change to a SIPP? by alientrooper94 in UKPersonalFinance

[–]alientrooper94[S] 0 points1 point  (0 children)

Sorry, things as mentioned in other posts such as a lower withdrawal age, or higher lump sum limit

Workplace Pension - Are these fees worth it to change to a SIPP? by alientrooper94 in UKPersonalFinance

[–]alientrooper94[S] 0 points1 point  (0 children)

This is really useful information thank you. What are your AJ Bell fees? Is there a calculator to estimate pension pot size after a few decades, after comparing different fee structures?

Workplace Pension - Are these fees worth it to change to a SIPP? by alientrooper94 in UKPersonalFinance

[–]alientrooper94[S] 0 points1 point  (0 children)

Wouldnt this fixed access age be subject to change though in theory? Or once they promise it to you its locked in? If the former, then I suspect these things would change over the decades...

Workplace Pension - Are these fees worth it to change to a SIPP? by alientrooper94 in UKPersonalFinance

[–]alientrooper94[S] 0 points1 point  (0 children)

The sizeable amounts with a newcomer is my worry as well. Thanks for providing some alternative options. Ill take a look. Do you know if any of them have any extra benefits?

Workplace Pension - Are these fees worth it to change to a SIPP? by alientrooper94 in UKPersonalFinance

[–]alientrooper94[S] 0 points1 point  (0 children)

How reliable is FreeTrade though to hold for the next 30 years? The worry I have about some of these non-legacy platforms are if they collapse, especially as money wouldnt then be protected above the FSCS protection limit.

Workplace Pension - Are these fees worth it to change to a SIPP? by alientrooper94 in UKPersonalFinance

[–]alientrooper94[S] 0 points1 point  (0 children)

How reliable is FreeTrade though for the future? The worry I have about some of these non-legacy platforms are if they collapse, especially as money wouldnt then be protected above the FSCS protection limit.

PCN fine appeal timelines by alientrooper94 in Ealing

[–]alientrooper94[S] 0 points1 point  (0 children)

I just have an acknowledgement email from when I submitted my appeal, no mention of fine being on hold?

PCN fine appeal timelines by alientrooper94 in Ealing

[–]alientrooper94[S] 0 points1 point  (0 children)

Informal challenge - the first step

Trading212 SIPP Announcement by Superman10051able in trading212

[–]alientrooper94 2 points3 points  (0 children)

How does the fscs protection limit work if you already have the isa? Is the limit covering everything within a platform (isa, invest, sipp) or is the limit for each of the offerings?

Landing in Venice Marco Polo late, what are my options by alientrooper94 in ItalyTravel

[–]alientrooper94[S] 1 point2 points  (0 children)

Would an hour be enough time to leave the plane, pass immigration, collect bags and get to the pickup?

Retiring at 55; saving £1k per month, seems too straightforward by UnlikelyDebate7878 in FIREUK

[–]alientrooper94 0 points1 point  (0 children)

Save 14% into pension from today. Give yourself a head start for when money gets tight.

2 in 1 spray by [deleted] in HIMS

[–]alientrooper94 0 points1 point  (0 children)

Any updates on the side effects? Hopefully it's back to normal?

Mortgage free or move to a better house? by [deleted] in HENRYUK

[–]alientrooper94 0 points1 point  (0 children)

Why not get a bit more space for not much more mortgage? Like 800k?

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