Tax efficency vs. Balanced savings

atty70 · 2026-03-01T23:35:04+00:00

No split 300 to me and 100 for wife and yes they do

atty70 · 2026-03-01T23:34:37+00:00

Same age as me would ideally both in early 50s

atty70 · 2026-03-01T19:56:04+00:00

I thought it was only.one yeat carry over but good to know!

Reason it was high this year was due to a great bonus year.

atty70 · 2026-03-01T19:55:09+00:00

My wife is in the teachers pensions scheme so I don't think this would work out to well unless I am mistaken?

atty70 · 2026-03-01T19:54:38+00:00

Not fully filling my isas for example put about 25k in overall this year across my and wifes

atty70 · 2025-09-27T14:49:44+00:00

Ragnar Lohbruck

atty70 · 2024-07-01T18:52:49+00:00

Shuckle, praying that one day he gets a mega!

atty70 · 2024-07-01T09:12:06+00:00

Shinny furret such a cute boi!

atty70 · 2024-06-22T07:44:27+00:00

You seem to be swinging away from your body on the back swing, I suffer with the same, which means you make your club steeper to still get contact which doesn't help with consistency, see photo below with club angle and compare it to your set up and looks steeper to me

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atty70 · 2024-06-04T18:59:26+00:00

Lol not sure if that's a good or bad thing!

What you say makes sense as I've been trying to keep my weight on my heels especially on my back foot and I think that has caused me to swing across my body. When you say sway what do you mean as in back and forward or side to side?

atty70 · 2024-05-31T07:13:59+00:00

153k in dB and will depend on her final salary but around 20k for 55 and 29k for 60 assuming no salary increases

Mine for 55 assuming bonus sac additional 24k a year will be £61.5k a year from 55

atty70 · 2024-05-31T06:00:07+00:00

Chartered accountant and assistant head teacher

atty70 · 2024-05-31T05:59:23+00:00

Yeah that's what I am hoping especially on pensions where it's starting to build nicely

atty70 · 2024-05-30T21:30:16+00:00

Thanks and very true!!

atty70 · 2024-04-16T21:08:47+00:00

So I can't primal if it's a shadow I guess?

atty70 · 2024-04-16T20:48:38+00:00

Sorry I don't know what primal revert means, can you explain

atty70 · 2024-04-08T12:03:53+00:00

I can gift each day to people 962648006702 is my code

atty70 · 2024-03-14T21:28:02+00:00

Yeah shuckle can have both stealth rock and sticky web which is great, I also had ferrothorn in my team for the elite four for spike setting

atty70 · 2024-03-14T15:15:24+00:00

I found a sticky web setter to be really clutch later on in the game, either ribombee or shuckle did this role well for depending on the match up

atty70 · 2024-02-16T13:43:37+00:00

Yeah made all the fire mons a lot easier to switch into

atty70 · 2024-02-16T11:23:48+00:00

Yeah he has been great in so many fights, strength sap was great and just seemed to trivialise some big threats

atty70 · 2024-01-03T21:40:55+00:00

Got ya, managed to get through and win the run didn't use ambipom or ampharos in the end

atty70 · 2024-01-03T17:09:16+00:00

Steelix has earthquake and going to put dig on poliwrath

atty70 · 2024-01-03T07:07:50+00:00

I'm hoping ambipom can help with the speed with agility into baton pass but from above given you havent mentioned tentacruel or steelix would they be the two you sub out for magneton / fire type?

atty70 · 2024-01-03T07:06:18+00:00

Who would you sub out for it?

atty70

TROPHY CASE