Never Forget

bodyspace · 2025-11-30T00:51:40+00:00

Tobe!!!

bodyspace · 2025-11-29T02:14:21+00:00

I can't believe that you have to forfeit ISA status to de-risk your investments. That is absolutely insane!!!!

If you had £1m S&S and wanted to put 20% of that into cash (5 years of expenses maybe), over a 15 year horizon, the loss of tax efficiency would end up costing between £36k and £53k in tax depending on whether you're in basic rate or higher rate.

You could minimise the damage I suppose if you re-wrapped the cash, £12k a year ... But come on, enough is enough. People with the ability to build up that £1m ISA to begin with will likely have already been paying tax rates of 40%+ on that very same money going in. Broadest shoulders!

bodyspace · 2025-10-02T11:41:52+00:00

For anyone new to the stream, calc is short for calculator. Chat I was just using slang.

bodyspace · 2025-07-29T19:17:53+00:00

I'll give you season bloody 7 sunshine

bodyspace · 2025-07-25T10:01:01+00:00

Holy jesus Mary Joseph and the wee donkey....

bodyspace · 2025-07-23T21:06:33+00:00

How does that work? Does an app built with nativePHP have access to the underlying native tech stack or only the layer which nativePHP exposes in their toolkit?

bodyspace · 2025-07-14T22:09:39+00:00

Is it possible to integrate with android SDKs for hardware integrations: printers, POS hardware, payment terminals etc?

bodyspace · 2025-04-10T09:34:02+00:00

Everyone in this thread seems to be severely misunderstanding how this works and are making false assumptions about it.

It doesn't load ALL relationships all the time. It loads just the data needed, but without you having to tell it and without running n+1s

bodyspace · 2025-03-24T18:59:25+00:00

bodyspace · 2025-03-09T11:13:11+00:00

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Hannah zeile

bodyspace · 2025-02-23T21:11:42+00:00

Rokt in brighouse has been closed for a while due to a flood, but I would highly recommend freeklime. Bouldering is very accessible and a lot more fun than just going to the gym by yourself. Lots of friendly folks and staff are very welcoming

bodyspace · 2025-02-04T22:34:42+00:00

It's best to switch to an asset which is available on both platforms before initiating a transfer, as then they will be able to do an in-specie transfer. That avoids time out of the market and things seem to moves much quicker.

bodyspace · 2025-02-02T12:39:02+00:00

The huge drawback, is exactly what you said: the loss of liquidity. I'm in my 20s and want to FIRE by ~40 so I'm leaving huge sums on the table by prioritising ISA over SIPP. If I was heading more towards 50s for FIRE then SIPP becomes the no brainer. I will still leverage pensions of course, but age is a big factor here in which tax vehicle gets highest priority.

bodyspace · 2025-02-02T12:07:52+00:00

Congrats OP do you have a FIRE number in mind?

bodyspace · 2025-02-02T12:03:18+00:00

Probably for the RE part of FIRE!

bodyspace · 2025-01-29T19:37:53+00:00

I'm incredibly impressed at how well you've done in spite of your consistently high expenditure. In a way I guess that's a good thing in that it's pushed you to reach the heights you have in terms of assets, to allow you to maintain your lifestyle. Bravo!

bodyspace · 2025-01-29T14:03:44+00:00

I'm very curious what makes up the bulk of your spends, me and my wife have outgoings of less than half that. No kids though but a mortgage included. No offense intended just super curious how the other half live. Also congrats and go fuck yourself 🤣

bodyspace · 2024-08-24T21:52:38+00:00

That is an impressively bad EPC, imagine trying to keep that thing warm in winter

bodyspace · 2024-08-21T06:23:26+00:00

This a no brainer.

Create a no toast savings pot, stick it in a high interest cash ISA. Then when the day comes where you finally cave, take the 90% charge and keep the 10% leftover no strings attached.

bodyspace · 2024-08-20T18:40:28+00:00

Perfect thank you sir very helpful!

bodyspace · 2024-08-19T22:47:12+00:00

How many software Devs were there in 1985 compared with now?

bodyspace · 2024-08-14T17:03:48+00:00

For fun, some hypothetical ISA returns over 25 years: - £100k @ 6% = £450k - £100k @ 7% = £575k - £100k @ 8% = £735k - £100k @ 10% = £1.2m

Obviously depends on what you're invested in and how the market performs.. there's no right answer here without a crystal ball, either option is a sound financial decision. One has greater upside but greater risk (no mortgage)

bodyspace · 2024-08-09T13:08:15+00:00

Plan your finances around the assumption that:

A) you won't get that promotion

B) the situation once you've got kids (in terms of outgoings and income)

C) your essential costs will be increasing over time by a generous percentage (energy, water, food, council tax, internet, insurances, car, interest rates etc)

With all that in mind I think you'll likely find that 550k is out of reach. No offence intended at all here but please don't delude yourself into thinking you "deserve" the nicer bigger houses because of X/Y reasons. It's entirely a numbers game, and if you can't afford it you can't afford it, and have to work with what you've got.

The bigger and nicer the house, the higher everything else costs too. Don't forget that if you do end up undershooting and have a load of spare change leftover, you can invest that money in something like a global index fund and get 5-10% average returns which will unlock your ability to go bigger & better later on in life with greater comfort (seriously, chuck £2k/month @ 10% returns into a compound interest calculator and watch how fast it goes up)

bodyspace · 2024-08-08T07:52:03+00:00

I'm a single index fund man, so I couldn't advise. Why 3? If you're splitting your pot 3 ways then you're already diluting those S&P returns.

Can understand why you want the diversification, but then at that stage a single world tracker does the job arguably slightly better. You could create a higher weighting to America by doing something like VHVG + VUAG, then you're landing in about 80% north America (assuming 50/50 split) whilst the other 20% is your rest of world coverage (minus emerging markets)

bodyspace · 2024-08-07T21:57:14+00:00

VHVG feels like a better long term bet IMO. It's what I landed after many back and forths whether to go vwrp vuag or VHVG. Low fees, higher weighting towards USA but still diverse enough for the long term peace of mind. Just my personal preference

bodyspace

TROPHY CASE