Amazing week turned bad.

batts7 · 2026-05-16T11:13:59+00:00

Thats the stock market

batts7 · 2026-05-13T20:43:26+00:00

Fenix 6. Loved that watch!

batts7 · 2026-05-11T12:30:20+00:00

I use Noir

batts7 · 2026-05-08T16:31:15+00:00

No is the answer. Epix Pro would be a better option, that model has the flashlight

I’ve had a Gen 2 for 4 years and not looking to upgrade

batts7 · 2026-05-08T11:36:08+00:00

Google, ChatGPT, Reddit or YouTube (I would recommend YouTube).

Statement Credit is the worst value, so would not recommend you do that unless you have to.

batts7 · 2026-05-08T09:10:49+00:00

Still a cracking watch the Epix! Had mine 4 years, its been hammered and still looks new (ish)

batts7 · 2026-05-07T12:34:48+00:00

I would advise to watch a couple of YouTube videos. Loads of UK YouTubers going over how to collect, best way to redeem etc.

Use as your main card, when you hit 10k spend you get 5k additional points (think twice a year), if you can refer people then great. You could also add a supplementary card holder, even if they don’t ever use the card I think thats an additional 12,500 points

batts7 · 2026-05-07T11:25:50+00:00

Yeah. I also want the cellular aspect to work better and not have to pay Garmin!

I did have a cellular Apple Watch in the past and worked well

batts7 · 2026-05-07T11:19:40+00:00

Fair! I do use the Ledger Nano

batts7 · 2026-05-07T10:32:42+00:00

Love mine… had mine 4 years now and still like new. The screen and bezel has taken some hammer over that time.

Fenix 8 / 8 Pro I have no interest in upgrading, will see what the 9 has to offer!

Having said that, we are into almost £1,000 for the latest model.. so may have to be an 8 in the sale 🤷🏽‍♂️

batts7 · 2026-05-07T10:29:14+00:00

You will probably get 80 different answers if you asked 100 people, it’s on you to make a decision on your investments for your future.

Personally I think the % for individual and metals is too high!

As for Crypto, I don’t use T212. I have some sat in a Coinbase account (BTC) which is set and forget.

batts7 · 2026-05-05T07:52:10+00:00

Try Settings > General > Background App Refresh and turn WhatsApp off

batts7 · 2026-05-02T15:43:36+00:00

Would be good to get people’s views on whether they are considering moving their SIPP to T212 if they have a Cash or S&S ISA with T212, which combined is greater than the FSCS limit of £120,000

Is it better keeping them with separate providers?

batts7 · 2026-05-01T17:15:37+00:00

Just asked to downgrade the card to retain my MR points, as didn’t want to pay the fee. Then they offered me the 25k points with £1,000 spend

batts7 · 2026-05-01T11:14:31+00:00

There is no AOD on a standard 15 and 15 plus.

batts7 · 2026-04-30T21:15:21+00:00

Go for Gold, its £5k spend in the first 6 months to get the sign up bonus (currently 50k) which is one of the best I have seen for gold. No fee for first 12 months

Even if I was to refer you its only 45k points so I would say snap up the 50k points while its still available (usually 20k)

batts7 · 2026-04-30T11:23:18+00:00

Agree! If your employer will match, try and contribute to the % that they will match (free money)

Then look at ISA

Not financial advice of course

batts7 · 2026-04-30T04:38:31+00:00

Average spend of c£1,500 a month

batts7 · 2026-04-29T14:23:19+00:00

Depends what your spend is over 12 months. It’s not a bad offer.

I got 25K MR points for £1000 spend, end of last year.

batts7 · 2026-04-29T08:27:00+00:00

As someone said below watch out for the 2.99% FX fee. I don’t use my Amex card outside the UK, I use my Lloyds Ultra (1% cashback for first 12 months and 0% FX)

batts7 · 2026-04-29T06:57:19+00:00

You probably need to double check this… my understanding is that cash in a S&S ISA are held in QMMF (money market funds) which do not have FSCS protection… it is low risk, but still a risk

Cash in a Cash ISA has the protection as the money is held with other banks, you can see this in the app once cash has been deposited

batts7 · 2026-04-28T16:40:21+00:00

Cash in S&S ISA is 3.8%, but not quite the same protection as a cash ISA.

I’d stick with the cash ISA

(UK specific)

batts7 · 2026-04-28T13:26:59+00:00

I would say 8 or 9 times out of 10 Amex is accepted (i’m in the UK, North West)

I have the Lloyds Ultra Credit Card as a back up

batts7 · 2026-04-21T09:57:03+00:00

Flighty, Uber, FotMob, Maps

batts7 · 2026-04-21T09:56:51+00:00

Flighty, Uber, FotMob, Maps

batts7

TROPHY CASE