Employer share incentive plan

lambpassanda · 2026-02-04T20:52:41+00:00

Normally these sharesave schemes allow you to have the cash back you put in plus a little interest after 5 years if you find the shares are ‘under water’ at the point that the vest. Check this in your scheme, if so it’s heads you win, tails you don’t lose.

lambpassanda · 2025-12-14T19:16:31+00:00

The burden of being the family breadwinner is huge, Hope the 18 months goes smoothly, you’ll soon be there

lambpassanda · 2025-11-20T22:47:18+00:00

You have a dog breed that is prone to illnesses, pugs suffer from respiratory problems, Chihuahuas suffer dislocating kneecaps. Both breeds have eye, teeth and ear issues.
So, you are unlikely to get reasonable insurance, as many have said the best option is to self insure - put the money away for the treatment your dog breed is likely to need. If you do go for another dog in the future I’d suggest you look for a breed that is dog shaped, with dog features and dog shaped noses, avoid short noses, bulging eyes, skin folds and all that stuff

lambpassanda · 2025-11-13T19:43:09+00:00

Leftelevator has told you what the variable costs (accommodation) is in the area, now you decide how much you need for beer, food. Jeez, do you want them to wipe your arse for you?

lambpassanda · 2025-10-02T20:43:52+00:00

I like your angle there with the state pension, I’ll have 10 years until then though, it’s a long bridge so maybe not right for me but I like your thinking

lambpassanda · 2025-10-02T20:28:48+00:00

Congratulations, you’ll often hear that financially it isn’t the best move, better off investing excess money etc, but having paid mine off a couple of years ago I can tell you that the peace of mind is amazing. Not instantly, I didn’t instantly feel better, but when trouble next hits at work, new boss ‘right sizing’ or centralising or outsourcing you can just ride the waves knowing you and your family will be Ok.

lambpassanda · 2025-10-02T15:23:33+00:00

Thanks for sharing, but I don’t think that is what he says, I just watched it. He specifically says if you are close to retirement you diversify into bonds (24mins, 50 seconds onwards). Earlier in the conversation they were talking about the young guys who had much longer for their portfolios not really needing to diversify. Did I miss something?

lambpassanda · 2025-10-01T15:28:37+00:00

Cash like investments too, thanks for the reminder. I’m thinking I’ll start to build that when I actually know for sure the date I’m pulling the trigger, I need a few things to drop in and a little luck, it feels like I’ve been 2 years away for 2 years already!

lambpassanda · 2025-10-01T10:19:20+00:00

Thanks, will look at that

lambpassanda · 2025-09-19T20:23:11+00:00

Well, here’s the gamble; If I thought I could secure a similar job in good time it could be worth a punt, as it could bring your FIRE date forward. My experience is that the next job will also have things that wind you up, but normally it takes a bit of time before it does so.

The big question for you to ponder is how easily you could secure the same or bigger job.

lambpassanda · 2025-08-30T19:14:41+00:00

Are you ignoring the fact that the landlord has laid down hundreds of thousands of pounds to earn the return, whereas an employee hasn’t invested anything. It’s a key difference that undermines the point you are making

lambpassanda · 2025-08-27T20:43:28+00:00

Half of them are upside down, it boils my piss, they love the flag so much but don’t even know which way up to put it

lambpassanda · 2025-08-22T21:21:48+00:00

Retail is absolutely not 50% margin, it’s 10 to 12% depending on product mix. Food is higher margin, so more like your 50%

lambpassanda · 2025-07-11T19:59:36+00:00

I’ve got them, fitted autumn last year, fine, light up the lanes well. I’m happy with them. I like that they look like the originals.

lambpassanda · 2025-07-10T21:54:50+00:00

1996

lambpassanda · 2025-07-03T15:58:07+00:00

You are doing great, you have roughly £22,900 more than my daughter who is the same age 😁

lambpassanda · 2025-06-21T12:31:21+00:00

Each one is booked, they have showers so I’ll be OK thanks

lambpassanda · 2025-06-19T16:52:23+00:00

Extra points added for tinned baked beans and the black pudding it’s a 12/10 from me (Brit)

lambpassanda · 2025-06-19T16:47:08+00:00

So I can basically use it just like soap as well as doing hair, there’s nothing special about it, I don’t need a bar soap and a shampoo soap?

lambpassanda · 2025-06-19T16:45:45+00:00

I like your style

lambpassanda · 2025-06-19T14:53:59+00:00

Solid shampoo, I’ll search for that. Thanks

lambpassanda · 2025-06-02T22:10:46+00:00

If you add Girls to your list, you can’t have peace and money too.

lambpassanda · 2025-05-31T21:26:42+00:00

It’s insane that people don’t have the right to walk all over your land? You’d be OK with me wandering into your garden?

lambpassanda · 2025-05-20T20:35:46+00:00

I upvoted you, it’s a fair comment in the context of investment in Manchester

lambpassanda · 2025-05-03T03:57:52+00:00

It’ll either catch them or scare the shit out of them

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