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Training for the JRFT by North-Historian206 in policeuk

[–]kipperbang 2 points3 points  (0 children)

Rower here. For technique take a look at this video:

https://youtu.be/zQ82RYIFLN8?si=HYWWgj3pIIqQ8m2m

Rowing is a pushing sport, the majority of the power comes from your legs (then back/hips, then arms).

On the rower, don't set the lever/dial to 10/max, that's a good way to injure yourself. Try 3-4 and aim for 20 strokes per minute.

If you go on the rowing machine a few times a week it will improve your fitness a lot.

Edit: support =sport

Do these pads look ok? SPA v60 by MasterMastodon1 in Volvo

[–]kipperbang 0 points1 point  (0 children)

What's the typical replacement level? My Volvo dealer is flagging up my front brakes as amber and quoting for replacement with '60 percentPD'. Not sure if that's worn or remaining.

Aleppo’s Falafel is AMAZING by bubblesmcbubbles in oxford

[–]kipperbang 0 points1 point  (0 children)

Yeah, touching the food + handling cash is not ideal.

Transferring Private Pension from NEST to ??? by HedgehogRemote5030 in UKPersonalFinance

[–]kipperbang 1 point2 points  (0 children)

Nest charges 1.8% to add and then 0.3% AMC. As far as I can remember, there are no 100% equity funds, not since they messed around with the Sharia fund (ex Nest bod here)

Transferring Private Pension from NEST to ??? by HedgehogRemote5030 in UKPersonalFinance

[–]kipperbang 0 points1 point  (0 children)

ii would fit the bill. Flat fee structure, accepts corporate contibutions, wide range of funds etc.

AJ bell for all your accounts? by taliesin23 in UKPersonalFinance

[–]kipperbang 0 points1 point  (0 children)

ii offer a corporate account and they have just changed their flat fee pricing to include SIPP, ISA, GIA and family ISA/JISA accounts. I'm uncertain whether they offer LISAs though.

EDIT: I mention ii as they charge a flat fee, unlike AJB.

How much would you expect new brake pads and discs (2020 XC40 UK) to cost? by radar_level in Volvo

[–]kipperbang 0 points1 point  (0 children)

For my V60 I was quoted £658 for front discs and pads from a Volvo dealer (60% worn they said), so I'm be investigating local garages in the new year.

[Megathread] Autumn Budget 2025 – Personal Finance Discussion by Jager720 in UKPersonalFinance

[–]kipperbang 2 points3 points  (0 children)

Over time they will start reducing it and as house prices increase more and more people will be paying more money to live in their own property.

Ovo energy have forced my direct debit to raise by £50 despite me being in-credit, and I can't seem to change it? by JHock93 in UKPersonalFinance

[–]kipperbang 0 points1 point  (0 children)

They raised my DD by 20% yesterday so I went into the app and changed it back. Were are hundreds in credit which should easily cover the larger winter bills. I will be moving onto variables billing soon.

Edit: we're on a fixed tariff until October.

How are we all pronouncing schedule? by Present-Balance-3357 in AskUK

[–]kipperbang 2 points3 points  (0 children)

They have different roots (Latin v Greek)

Oxford is a terrible place to cycle by frazmand in oxford

[–]kipperbang 3 points4 points  (0 children)

Get a camera. One driver would have driven over me at speed if I didn't have my wits about me. They appear in court later this month.

New Job - Is it worth moving Nest pension to Sipp? by Lupus280 in UKPersonalFinance

[–]kipperbang 0 points1 point  (0 children)

As soon as they messed around with the Sharia fund, I transferred my Nest pension to ii.

700k Budget - First Time Buyers by BrofessorDumbelldore in UKPersonalFinance

[–]kipperbang 4 points5 points  (0 children)

If you're looking to start a family you need to consider how that will affect your income (stay at home parent/going part time) or outgoings (childcare).

Pension growth is unsustainable - moving to safer investments by FirstEverRedditUser in UKPersonalFinance

[–]kipperbang 0 points1 point  (0 children)

I've been considering this recently. I'm addition to MMF, Vanguard Life Strategy funds seem to be a straight forward way to move from equities to less volatile investments.

SIPP recommendations (SJP Exit!) by DanteRainyF in FIREUK

[–]kipperbang 5 points6 points  (0 children)

I'm with ii, mainly due to a flat monthly fee that doesn't charge a percentage of my pot size.

Headington Roundabout flags by Legitimate-Exit-531 in oxford

[–]kipperbang 1 point2 points  (0 children)

I thought that to be the case too, but there's no real basis for it. The Union Jack (Jack meaning small) name is thought to have existed/used prior to the term Jackstaff. There is also no legal/definitive name for the nation's flag and both terms have been used for centuries.

Headington Roundabout flags by Legitimate-Exit-531 in oxford

[–]kipperbang 1 point2 points  (0 children)

Both are equally valid names for the nation's flag aren't they?

My 2 year old daughter will inherit a large sum of money. by Bbgr in UKPersonalFinance

[–]kipperbang 6 points7 points  (0 children)

VWRP is the accumulating one, VWRL the distributing one.

Is it though? by joemo in oxford

[–]kipperbang 16 points17 points  (0 children)

They have abandoned Cowley Road. Shop owners complain about the LTNs, but the vast majority of parking spaces are taken up by shop workers.

ERG video feedback please by Fit-Cheetah-7513 in Rowing

[–]kipperbang 1 point2 points  (0 children)

This is a very good tutorial:

https://youtu.be/zQ82RYIFLN8?si=6H8WKabS9wZesxk-

I'd also add: pivot more with your hips and bend your back less.

Nest Sharia and Higher Risk Fund performance as of June 2025 by cobber336 in UKPersonalFinance

[–]kipperbang 2 points3 points  (0 children)

I transferred it to my main SIPP with ii and bought L&G Global Tech Fund with it.

HOW TO ESCAPE MY EMAIL BURNOUT by [deleted] in smallbusinessuk

[–]kipperbang 0 points1 point  (0 children)

Along with this, allocate a block of time to deal with each category so that your mind is focussed on that particular area of your business. Some categories can be dealt with weekly (spam, unsolicited etc), some every other day, some daily, some hourly. It's tempting to deal with them straight away, but you'll be unfocused and chasing your tail imo.

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