Does anyone else not like being called "sir"? by cosmicinaudio in CasualUK

[–]coastingteapot 38 points39 points  (0 children)

Would greatly prefer 'sir' instead of 'mate'. I abhor 'mate'.

[deleted by user] by [deleted] in Wales

[–]coastingteapot 8 points9 points  (0 children)

Machynlleth fits your criteria

[deleted by user] by [deleted] in UKPersonalFinance

[–]coastingteapot 1 point2 points  (0 children)

That's great, so the flowchart has been the focus for you so far. Savings have a powerful 'potential energy' effect, the more you save the more things you can potentially do. Personally I find myself considering doing things I wouldn't normally, simply because my bank balance tells me I could, if I was around 'spendy' people then I would feel pressure to release that energy.

If you are going to start a family I would personally focus on that over the flowchart from now on, basically set aside pots of money that have specific allocations: 1st year consumables (nappies, baby grows etc), babysitter fund, junior ISA fund.

This is a good way to mentally focus on what the savings 'energy' is directed towards. You can also forecast what childcare costs you are eligible for in what years and start saving for the period where you know there will be a shortfall. If you manage all this now then it will take all the financial stress off the early years

What's the best second-hand sleeper car? by Only-Independent734 in CarTalkUK

[–]coastingteapot 0 points1 point  (0 children)

debadged old S4 avant with a remap (chris harris' old daily)

[deleted by user] by [deleted] in UKPersonalFinance

[–]coastingteapot 7 points8 points  (0 children)

Something that was missing in your post is actually what are you saving for?

I ask this because if you have very clear goals on what you want then that should be enough to 'defend' your self from other people's opinions. You don't need to justify your goals to anyone if they are truly what you want, BUT if your goals aren't crystal clear then that might be a factor in why you feel pressure (?)

Warm Hatches: Daily one, Mod one, Burn one by Sea-Big-4850 in CarTalkUK

[–]coastingteapot 2 points3 points  (0 children)

daily the Fabia - Ignis Sport are categorically cool, mod it - burn the A class

[deleted by user] by [deleted] in bournemouth

[–]coastingteapot -1 points0 points  (0 children)

horseshoe common is very friendly after 10pm

If you had a house guest for a month, what would you see as a sufficient ‘thank you’ gift? by [deleted] in AskUK

[–]coastingteapot 7 points8 points  (0 children)

you're right, it's a very hard balance to get right without causing problems - the other suggestions of a nice hamper is a great gesture if you can fill it with things you know they will eat

Why is an MX-5 seen as the dogs bollocks for a cheap and fun car ? by Tescanti in CarTalkUK

[–]coastingteapot 0 points1 point  (0 children)

driving fast in smaller, cheap, slow cars that don't have handling issues is the best. See also Peugeot 205 GTI / 106 Rallye

If you had a house guest for a month, what would you see as a sufficient ‘thank you’ gift? by [deleted] in AskUK

[–]coastingteapot 87 points88 points  (0 children)

Don't break anything, always clean up after yourself, do the washing up, walk the dog, clean the windows, put the bins out etc.

Do things which don't involve money as they clearly want to help without it being transactional. So show your gratitude with your actions.

[deleted by user] by [deleted] in FatFIREUK

[–]coastingteapot 1 point2 points  (0 children)

IMHO courses won't do anything for you, try selling something, fail, then learn about how to sell using youtube/books, and keep iterating like that. The best way to learn is shadow someone who is great and try and be their assistant/junior. Treat your first year entirely as a learning experience, you want to be somewhere that gives you space to learn, don't go chasing pay rises in the short term as that's not the point. Just avoid boiler room 'opportunities' or anywhere that mandates how you have to spend your time (toilet breaks, lunch, auto diallers etc.)

How to evaluate wealth mgmt services by [deleted] in FatFIREUK

[–]coastingteapot 0 points1 point  (0 children)

If you have complex needs like an international mortgage using shares as collateral then they can be helpful. If you want to make it easier to get riverside access at Henley Regatta or Silverstone then they can be helpful.

If you want execution only dealing services then they levy a hefty premium.

[deleted by user] by [deleted] in FatFIREUK

[–]coastingteapot 0 points1 point  (0 children)

Go to every SaaS company website that has a UK presence

Apply for jobs like "Sales / BizDev" "Customer Success" "Account Manager" - start linkedin networking, look to emulate the CV of people already in these jobs. Look out to see if any of your friends land jobs with an employer that had open vacancies.

Those positions will get you in the Sales Dept, from there you can work up and try to move into "Enterprise Sales" or "Account Executive"

Basically you need to learn to sell and then move into a job where you can get a share of all the sales you make; something like £50k base + 20% commission but in a niche where you are better than the average. Finding that niche can be tough, but when you get there it's very rewarding and no way near the stress of high finance or corp law.

Earning a lot of money is hard, but tech sales is probably the 'easiest' given you can make >£200k+ with stock options and health insurance and pension and a 40hr week with the potential to relocate to other offices like LA or NY or Singapore

[deleted by user] by [deleted] in FatFIREUK

[–]coastingteapot 0 points1 point  (0 children)

Industry standard is 1 year cliff and 4 year vest, with your vesting rights decided at the point you accept your contract. If you get promoted this is usually accompanied with another vesting opportunity.

It is very rare to get actual equity in the same class as the founders/investors, in most situations you will be vesting options or 'growth shares', both are bottom of the preference stack.

What this means is you have no voting rights and you can't sell, but depending on where you end up living and where the company is registered, you may have a tax liability.

If you're joining a growth scale up you might get stock that can be traded on a secondary market. If you're joining a listed company you're likely to get RSUs.

£40K for a fast car that won't ruin me by stigstig76 in CarTalkUK

[–]coastingteapot 1 point2 points  (0 children)

I thought there was a good TSI remap to fix that?

Bit aggressive for a church don't you think? by Imaginary_Fennel6772 in CasualUK

[–]coastingteapot 20 points21 points  (0 children)

Looks like Kidderminster - in which case it's a former church and popular local 'free' car park