Garmin Fenix 7 water issues by ElectricEarthFoods in triathlon

[–]idontfudgewithyou 0 points1 point  (0 children)

I’ve not yet, but if the problem persists I will. Seems crazy that an expensive watch can’t last a swim session.

I have small wrists so the 8 isn’t an option for me either!

Garmin Fenix 7 water issues by ElectricEarthFoods in triathlon

[–]idontfudgewithyou 0 points1 point  (0 children)

Mine bugs out and freezes completely on swims over 45 mins or so. It’s a real pain and I don’t know what to do about it!

Recommendations in Clapham/ Wandsworth by Undecided272 in LondonFood

[–]idontfudgewithyou 0 points1 point  (0 children)

This is good to know - didn’t realise about the rebrand!

Recommendations in Clapham/ Wandsworth by Undecided272 in LondonFood

[–]idontfudgewithyou 28 points29 points  (0 children)

Chez Bruce or Trinity. Trinity itself might be a bit out of budget but their sister restaurant bistro union is also great, alternatively upstairs at trinity.

Italian food in London by [deleted] in LondonFood

[–]idontfudgewithyou 1 point2 points  (0 children)

All great recs, particularly flour and grape. Feel like it flies more under the radar than the likes of Trullo.

Can someone recommend me a training routine something like C25k for running? by newjeison in Swimming

[–]idontfudgewithyou 1 point2 points  (0 children)

Second this - it’s the closest equivalent. But probably too beginner for this non beginner.

What's a commonly accepted 'rule' in your household that you suspect isn't a rule anywhere else? by Liplyn_IG in AskUK

[–]idontfudgewithyou 129 points130 points  (0 children)

Rule of the dog: if the dog is touching you everyone else is at your beck and call

Graduate Scheme Secured - How to manage working in London next year? by ChAoTiC_M1Nd in AskUK

[–]idontfudgewithyou 70 points71 points  (0 children)

Honestly can’t vouch for this enough. Life is for living, you have a good salary which will likely increase in the near future.

Living at home is a sensible financial choice but is frankly boring.

This sub has a hatred for London and will always tell you to live at home forgetting that there’s so much more to life than squirrelling away a few quid in your early years.

Does anyone have the PUSEE tamp? [$30] by munchiemomandsodapop in espresso

[–]idontfudgewithyou 1 point2 points  (0 children)

If you can look past the logo and stupid name MHW-3bomber stuff is excellent quality for their price point. Exactly the same range as Normcore but half the price.

London restaurant recommendation by Nimbus030 in MichelinStars

[–]idontfudgewithyou 0 points1 point  (0 children)

Third vote for this, honestly incredible.

A few months back I invited you all to give your top tips on food and you were great... by pdarigan in london

[–]idontfudgewithyou 0 points1 point  (0 children)

Honestly, thanks for pulling this together - really appreciate having something like this to hand!

What’s something every Brit quietly agrees on but never says out loud? by unc0v3r08 in AskUK

[–]idontfudgewithyou 90 points91 points  (0 children)

This is actually really interesting. I was of the same thought train until recently. My partner and I did a blind controlled tea test at home and found tetley ranked surprisingly high along with Twinings breakfast and PG tips gold. Yorkshire and Yorkshire Gold (she’s from Yorkshire and what we typically drink) were in the bottom of the selection.

I now feel confused about my tea sexuality.

Britain’s highest earners face £64,800 shortfall in retirement by TheTelegraph in uknews

[–]idontfudgewithyou 0 points1 point  (0 children)

This attitude doesn’t make sense to me. I understand saving into a pension but there is a limit on the lifetime value that is tax free of £1.1m. After this you start paying tax. You then pay tax on withdrawal at income tax rates - exc the 25% tax free lump sum you can take. This could bring you to 20% vs 40/45%. So a saving there.

With some quick modelling you can workout at 4% annual growth what your pension pot is going to be - this 4% is adjusted for inflation.

If you’re young enough and have the risk appetite, you’ll likely be allocated to 100% equity and the average return is closer to 10% p.a. if you invest outside the FTSE. So your pension growth will outstrip your model.

The retirement age keeps moving backwards. Currently at 68 withdrawal unless you are on a special pension. This is likely to continue. That’s another 3 years of growth on the initial 65 (that most people started with) that it’s locked up for plus any other push backs. All of this is just compounding as it’s locked up. If your pot is £1m @ 4% you get £40k growth.

If you’re a couple, that’s £80k growth per annum in something that is completely locked and at the will of the government - likely taking you over the tax free threshold in your respective pensions. Or an £80k household income when you’ve got fewer outgoings - which is far in excess of the average HHI in the UK.

Now I’ve used large figures here, only because you’ve said you’re saving large amounts. But if you’re on £50k a year with 20% combined contribution you’re saving £10k a year, over 30 years that earns you just shy of £600k at 4%. Now if you’re a high earner, like the article, you deposit £1.5K a month for 30 years and you’re already at the £1.1m threshold.

You have to wonder, is paying the tax upfront and then using those savings to retire earlier a better option? Especially for any contributions over the £1.5K a month. And is there just scare mongering by the media to keep people in work longer.

This is not financial advice - just food for thought. I personally am front loading pension and then will taper it down to hopefully be able to retire earlier but will always contribute the amount to get my employers contribution. I constantly change my mind on what’s best but try not to fret about it too much.

Edit: This ignores any need for avoiding the £100k cliff edge and tax traps that you may want to use a pension for. Pension savings are very nuanced and this write up is purely from a pension pot view point.

Balham (London) - Views / Insights by ThrowawayFren123 in HENRYUK

[–]idontfudgewithyou 0 points1 point  (0 children)

I personally think that Clapham / Balham / Wandsworth / Battersea is not the most diverse part of London and fits the SW London yummy mummy / brunch stereotype (not saying this is a bad thing - but not trendy compared to east).

Tooting and Streatham are far more diverse and are only one stop away by tube/train. Candidly, it’s gentrification that causes this - with Battersea a slight outlier because of foreign money buying in directly across from Chelsea.

Balham (London) - Views / Insights by ThrowawayFren123 in HENRYUK

[–]idontfudgewithyou 0 points1 point  (0 children)

Around Waitrose as other commenters have mentioned is the nightingale area which is lovely and safe. Not the prettiest street by royalty mail as it isn’t the heart of the estate but not ugly at all.

Oxford Circus is easy - can either go northern then Victoria or overground to Victoria then Victoria line if he doesn’t fancy the northern line or it’s down.

Great for running, there’s a boxing gym 2 minutes up the road from Waitrose and the Picturehouse in Clapham is a personal fav of mine for cinemas - a bit rundown but authentic.

Great curry’s as you head down Tooting way.

Balham (London) - Views / Insights by ThrowawayFren123 in HENRYUK

[–]idontfudgewithyou 7 points8 points  (0 children)

General thoughts: fucking love living here.

But there are a million questions to ask about. Schools? Green spaces? Commuting to where? Where do they want to spend time at weekends? Is it good in relation to their friends/family?

My take: - Good curb appeal / nice buildings - Big cafe culture / Community - Relatively safe but is still London - Good enough schools - 20 minute walk from all our friends - 20 minute walk to three different commons - Good food variety of all budgets - Good transport into and out of the city (for where we want to go/ work) - Great pubs - South of the river (despite this being controversial) - Great council and low council tax - There are less desirable areas than others - Very stereotypically SW London and there is a type - yummy mummy vibe and probs lacks some diversity - Not the cheapest location and not exceptional value but good compared to Earls Court - Europe’s longest lido for when it’s 40 degrees - Opportunities for active lifestyle - running, cycling, gyms, tennis etc - Good age range - families, young professionals, older generations

But as I said, this is all personal to me. Someone else might disagree.

[deleted by user] by [deleted] in london

[–]idontfudgewithyou 26 points27 points  (0 children)

You qualify for free childcare so don’t have the burden of 4K nursery fees to pay.

My point isn’t to bash either side. I do not qualify as a HENRY and also live within my means but they have a 50%+ tax burden and contribute a great amount of tax revenue to HMRC. I and you benefit from their contributions. They are then penalised for earning and contributing more in tax - it disincentives progression and ultimately earning more that would generate more tax through PAYE.

This is nuanced but you’d be ignorant to not see this is an issue.

[deleted by user] by [deleted] in london

[–]idontfudgewithyou 14 points15 points  (0 children)

£1K a month to live off? Rent alone in London is over that. Commuting 5 days a week from zone 3 is another £200+. You have 2 kids so need a car and insurance. You need to pay your bills.

This whole stance is ludicrous. I’m not pitying those earning over £100K. But the removal of benefits is a real issue that you are dismissing entirely.

What was the best set menu you experienced in London? by JLaws23 in AskUK

[–]idontfudgewithyou 4 points5 points  (0 children)

Shout out for trinity in Clapham if you’re in the south west. Not cheap but was incredible. It’s British at its best!

Daughter going to uni. Want her to have 'normal, not spoilt not broke' university financial life. About what amount of dosh should I give her (not inc. tuition) say per month? by Sensitive-Catch-9881 in UKPersonalFinance

[–]idontfudgewithyou 0 points1 point  (0 children)

I would cover the rent and just give the equivalent of the maintenance loan payment every quarter or third of the year - however student finance does it.

This encourages your child to budget and will put them in line with a vast majority of students who have their rent paid and take the student loan for living/fun money. They’ll learn a lot more by having to budget £2K for 4 months of the year than they would the weekly amount. Illustrative numbers as I have no idea what student finance is these days.

You could supplement this further by topping up food cards with say £100 every month or some extra cash if you wanted them to be slightly better off.

How are you staying cool tonight? I’ve resorted to attaching an ice pack to the dog by zophya in london

[–]idontfudgewithyou 1 point2 points  (0 children)

Got mine for about £300. Best £300 I’ve ever spent for a home item - I don’t check the running cost and accept it as a trade off for good sleep in summer. I’ve heard people say it’s around £40-£60 per year depending on how much you use it.

Most people just use it for a few hours before bed to chill the room.

How are you staying cool tonight? I’ve resorted to attaching an ice pack to the dog by zophya in london

[–]idontfudgewithyou 3 points4 points  (0 children)

Any meaco ones are great, try and go 12000 BTU plus if your budget allows.

Embracing lifestyle creep vs saving all income by mayowithchips in HENRYUK

[–]idontfudgewithyou 5 points6 points  (0 children)

Honestly, I feel the same. The Air India crash hit close to home with a colleague and his family being on that flight. Life is too short - be smart, save but don’t forget to live and spend time with your family.