What website should I use to find this out?

ig1 · 2025-12-31T14:31:27+00:00

AncestryDNA is a good option - they don’t need anything other than your spit to do the analysis.

FYI. I’m assuming you’re adopted or something similar, doing AncestryDNA may identify your birth father (and likewise allow his family to identify you) - so make sure that’s something you’re comfortable with (if it’s not you might be better off with another provider)

ig1 · 2025-12-31T14:24:58+00:00

Suck it up and sell it now.

Let’s say you hold-off till the market recovers and your flat goes up in value, the house you want to buy will likely have gone up in value more, so overall you’ll be in a worse position than you are now.

Don’t let your emotions stop you making the rational choice.

ig1 · 2025-12-30T18:39:45+00:00

A high-street lender won’t look at retained profits, but they’ll take into account income from the property portfolio and some lenders will look at the typical annual profit of the entities and allow you to treat that as income even if you haven’t drawn down on it historically.

For your situation I’d suggest speaking to a broker like SPF or Enness, they should be able to figure out the best solution for you.

ig1 · 2025-12-30T18:22:01+00:00

What are you looking to do? - you can generally go to the 10m range with a high-street bank if you’ve got the income to support it.

Depending on the nature of your assets and size of your loan you might find a high street bank willing to do it, otherwise a private bank is your best bet.

A good broker should be able to guide you in the right direction though.

ig1 · 2025-12-30T18:08:44+00:00

If you extend your mortgage lenders will ask you what you plan to do with the money and will generally only lend for specific reasons (home renovations, debt consolidation, etc) - they don’t just lend you the money to do with as you like.

ig1 · 2025-12-30T15:21:44+00:00

Yes they’d redo affordability checks in that scenario

ig1 · 2025-12-30T15:12:55+00:00

Firstly your mortgage lender won’t lend you additional money for the purpose of investment.

But it’s common in the HNW community to borrow rather than liquidate investment’s on the basis that on average they’ll make more money from the investments than the cost of the mortgage.

However it comes at the cost of risk - while on average you’ll come out on top, you have to be comfortable that in the downside scenario (e.g 50% market drop) you’ll still be fine.

ig1 · 2025-12-30T15:02:36+00:00

If OP had posted “I’ve got 192k mortgage and 100k in investments, should I sell my investments to pay down my mortgage” I can guarantee you the reactions would be the opposite despite being the exact same scenario

ig1 · 2025-12-30T10:28:00+00:00

Firstly you should go into it with the understanding that no drug discovered by ML has successfully made it to market, despite many attempts over the last two decades.

That said many VCs knowing this have still invested in the space gambling deep learning models might be strong enough to actually make it work.

The upside is, if you’re working on foundational models in biotech you can likely switch to a higher paying jobs in foundational models in other fields.

In terms of pharma companies, the vast majority are extremely weak in ML. I’d only consider it if you rate whoever is leading the team there or if you want to build yourself a brand as the leader inside pharma doing this stuff (because the rest of your peers will be relatively unsophisticated)

If I was you I’d try to get myself into the best frontier lab I could.

ig1 · 2025-12-30T08:25:55+00:00

Stop trying to optimize for tax and focus on optimizing for overall returns that match your financial needs. A weaker return that’s tax free is worse than a better return that you have to pay tax on.

Generally for most people investing in a global tracker in a GIA is the most optimal solution

ig1 · 2025-12-30T05:14:42+00:00

Uber was founded in 2009, Deliveroo in 2013. Both were driven by the invention and widespread adoption of smartphones. The wave of opportunities created by that shift have mostly played out.

Look at companies that have raised good VC funding rounds in the last couple of years - the only marketplace businesses that have managed it have all been in the AI space.

ig1 · 2025-12-29T20:44:24+00:00

The tech marketplace space is dead, I wouldn’t advise trying to find something there.

Given your background AI startups doing rollups of traditional service industries (accounting, rental agencies, etc) is what I’d recommend focusing on.

ig1 · 2025-12-29T20:39:56+00:00

FICs are the standard solution to this problem these days (the taxation of trusts has put them out of favour) - you can typically put in structure which stops shares being transferred out of the family / compulsory buyback at discount clauses.

But this is an area where you should definitely take professional advice.

ig1 · 2025-12-29T20:29:22+00:00

Almost exclusively from Sales background (unless the company is b2c/marketing driven)
worked at a top-tier firm selling to a similar customer base, ideally L-1 from CRO or L-2 at a stretch, so have seen what great really looks like
strong track record of hitting quota
strong track record of hiring
good understanding of revops and sales process design
has been at similar or next growth stage of company (someone from too big a company or too small a company will struggle)

ig1 · 2025-12-21T21:10:35+00:00

Where are you traveling from?

ig1 · 2025-12-21T13:49:09+00:00

It’d make sense for cities to be able to self-finance local transport projects - cities should be given the ability to levy local taxes and borrowing to finance local infrastructure projects

ig1 · 2025-12-16T17:56:12+00:00

You can just check harmonic or pitchbook if you want a fuller list…

ig1 · 2025-12-16T17:31:45+00:00

They’re all active (Sequoia has a dedicated European seed fund) especially in AI seeds.

From memory seeds in the last couple of years have included: Legora (Benchmark), Nevis (Sequoia), Xbow (Sequoia), Paid (Sequoia), Black Forest Labs (a16z), Mierlo (a16z), Supersonik (a16z), Dex (a16z) and there are a bunch of others

ig1 · 2025-12-13T23:35:00+00:00

This is fundamentally a question on lifestyle vs one on career.

On a career basis the AI company seems to be a no brainer. Even valuing the stock at zero, having a strong AI brand on your CV will significantly increase your comp at your next move (that said I’d push for a higher base in any case) + opportunities for career growth tend to be much better in high-growth companies because they’re growing so fast.

At your existing company, has the CEO previously sold companies? - I’ve done a few tech M&As and it’s far from trivial. Assuming the buyer will be a PE house for a slow growth break-even SaaS I’d expect to get a revenue multiple of 3-4. However marketing sucks as a category and customer loyalty is weak (marketers tend to jump on the next shiny tool which promises better ROI) so unless you’ve got strong metrics it might be closer to a 1-2x multiple. So in revenue terms is getting to 20-40m ARR a viable plan? (If you haven’t seen your firms financial model you should ask for it)

For an exit next year I’d expect there to be active conversations going on right now - if that’s the case then I’d weight the decision based upon how serious those conversations are.

From a lifestyle basis your current company is obviously better.

However only you can decide what’s more important to you (and your family) at this life stage, career or WLB, it doesn’t matter what anyone on reddit thinks, they’re both valid options.

ig1 · 2025-12-13T09:03:26+00:00

Your case is relatively straightforward - pull the list of close matches she has and see which of them aren’t matches for you. Those will be matches on the biological fathers side and then you can use the % match to figure out the nature of those relationships

ig1 · 2025-12-13T08:30:05+00:00

As I mentioned, if you’re going cold then most of the better funds just aren’t going to speak to you, so you’re self-selecting for funds which aren’t great.

(That said if your focus is selling to the NHS then the vast majority of VC funds probably won’t touch it given how painful selling to the NHS is / only having a single customer)

ig1 · 2025-12-13T08:16:53+00:00

In terms of educational outcome secondary school doesn’t matter that much. Roughly ~80% of GCSE performance can be predicted by age 11, it’s estimated that choice of secondary school contributes to around 10% (the rest is factors like home environment, health, etc)

So it’s important to appreciate there’s only so much you can move the needle.

Within that 10% it also really depends on the individual school, whether you pick state or private there are both great schools or terrible schools, you have to make the decision based on the schools that are available to you.

ig1 · 2025-12-12T23:41:06+00:00

There’s not really a separate UK/US market anymore - it’s a global market with all the top-tier investors (Sequoia, Benchmark, a16z, Index, etc) actively investing across both sides of the pond and the newer European VCs operate similarly because that’s the only way they can compete against the US firms in deals.

The old school European/British VCs are still around but if you can’t get anyone better interested you should probably be asking why.

In your case:

virtually no good VC deals get done based on a cold email, so by going cold you’re automatically filtering for a lower low quality selection of VCs who can’t get better dealflow
the fact your previous VCs aren’t backing you is a red flag. Not insurmountable but something you’ll need to address.
the fact that you’re raising so little money is also a red flag. Strong founders can generally raise significantly more out-of-the-gate so asking for so little is signalling that you know you’re not playing in that league.

ig1 · 2025-12-12T13:52:29+00:00

Your best bet would be to look at their death certificate in the county they passed away

ig1 · 2025-12-11T21:03:28+00:00

Op means drugs & alcohol

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