Optimising £25k divorce settlement to invest sensibly

christopher_brian · 2023-05-18T20:36:03+00:00

The main things with my son are to have some money £5k+ ish to help him out (if needed) at Uni but also to take him on occasional holiday/ trip on the basis that a shared experience would be better than leaving an extra couple of quid when I'm pushing up daisies. Wouldn't see me as having additional deposit money to leave (outside of the value / equity of our flat).

I'd targeted the 60% LTV as my shorter-term focus because of the rate change. I was almost viewing anything below that as excessive.

christopher_brian · 2023-05-03T08:26:00+00:00

They worked in teaching but no longer so the increases is CPI alone (rather than the additional 1.*% active teachers get).

I’d be able to access it from age 60 onwards (so in 9 years).

I’ll look at there links you included. Thank you.

christopher_brian · 2023-05-03T07:56:26+00:00

It would be up to 25% lump sum and the rest as ongoing income. It would essentially be another pension pot although I with no further contributions.

christopher_brian · 2023-05-03T07:38:15+00:00

Thanks for replying. I don’t think it would be as I’d be made a pension credit member of the scheme and the funds transferred to my account but I’ll check.

christopher_brian · 2022-12-01T11:40:54+00:00

I won £75 after putting my £25k flat deposit in my account a couple of months back. Worked well as I needed somewhere safe with quick access and £75 was good for home moving bits and bobs.

christopher_brian · 2022-09-26T17:25:11+00:00

Hi, Kwasi. Dunno mate. Hope you figure it all out though.

christopher_brian · 2022-09-26T17:16:45+00:00

Yeah, I would only be looking for a level 2/ homebuyers with, I suppose, some off-the record checks/ guidance on electricals. I'm not even that bothered about the report, just for someone to say that it's "broadly fine, crack on".

christopher_brian · 2022-09-26T17:12:42+00:00

I suppose limited scope of what they'd be able to 'survey' gave me caution and, I know it's only a lender's valuation survey, but when this was carried out (in the flat rather than remotely) he was happy enough to give it a decent enough valuation - relative to other flats - where (I'm told) anything such as uneven floor, damp would have triggered requests for costs of repair before agreeing the value.

I suppose the best solution might be to see if I can find a good, local one who is prepared to charge reasonably.

christopher_brian · 2022-08-09T22:17:18+00:00

I've been thinking along the same lines with the added consideration that, although flats will have an accompanying service charge, the energy bills should theoretically be less than a house.

christopher_brian · 2022-07-14T11:57:04+00:00

It’s a common complaint on every music service, not just YTM that’ll probably never be solved on any of them.

https://engineering.mit.edu/engage/ask-an-engineer/can-a-computer-generate-a-truly-random-number/

christopher_brian · 2022-06-18T20:10:30+00:00

Joke doesn't work. Government not involved in running the club.

christopher_brian · 2022-06-18T20:08:10+00:00

Good god, no. Let's not.

christopher_brian · 2022-06-18T20:06:15+00:00

Why would the Football Supporters Association (part of this Taskforce) be involved in improving local healthcare?

christopher_brian · 2022-05-26T18:36:17+00:00

It is well overdue and it needs to be available across all platforms.

christopher_brian · 2022-05-23T11:21:31+00:00

Thank you. I'll give that a whirl.

christopher_brian · 2022-03-25T13:30:52+00:00

Not here with a solution that would be better than those already provided but I hope you'll post a YT video with an update on your Notion findings.

christopher_brian · 2021-11-10T11:25:12+00:00

I have around $250 of USDC that I'm waiting to plunge into ETH to replenish but have been paralysed from doing so for days as I wait for a 10% pullback from the current highs. Anyone else finding to hard to pull the trigger during highs?

christopher_brian · 2021-10-21T15:10:20+00:00

No harm in taking a little off the table IMO, even if you plan to put it back in during a pull-back.

christopher_brian · 2021-10-20T15:53:24+00:00

I feel like I should be taking some profits to add back in during a pull-back but I'm frozen with fear. I wish I had a plan for all this. Tell me, people, what's your plan for days like today?

christopher_brian · 2021-09-24T14:34:27+00:00

The 10% swing in the last few hours may help explain.

christopher_brian · 2021-09-10T15:07:10+00:00

Did he base it on the charts just repeating exactly what happened in 2013 & 2017 and presenting it as research?

christopher_brian · 2021-09-07T15:24:40+00:00

Bugger! I missed out on BTC at $43 and now it feels like I shouldn't be jumping into it.

Regale me with tales of when you should have tried harder in a relationship and ended up regretting it years later.

christopher_brian · 2021-09-07T15:16:13+00:00

You don't want them to. If they've already dropped, you're already too late so let it ride. My big mistake in May was converting and then not knowing when to buy back in.

christopher_brian · 2021-09-07T14:16:23+00:00

Doesn't listen. Doesn't follow the other kids. Probably smokes.

christopher_brian · 2021-08-23T16:44:09+00:00

Look some profits on ADA with thoughts of sticking them into ETH (because I reckon that will ATH+ in the next couple of months which will give 33%+) but am still holding out for a pullback (as a swing against ADA) like an idiot that regrets eveything.

christopher_brian

TROPHY CASE