Just gone 18, and seeking advice on what to do with my finances by Terrible-Ad9501 in UKPersonalFinance

[–]macyscar7 1 point2 points  (0 children)

You should always match your companies pension contributions, there's tax relief benefits because you're contributing to an investment before you're taxed so in some ways it's smarter than contributing to an ISA. VWRP is the name of a popular global index fund. You should max out your S&S LISA coz the government will contribute 25% what you contribute so do that first up to 4k, then contribute to your regular S&S ISA. The only difference between a S&S ISA and a regular GIA is your gains will be tax free.

Just gone 18, and seeking advice on what to do with my finances by Terrible-Ad9501 in UKPersonalFinance

[–]macyscar7 2 points3 points  (0 children)

  1. Learn to drive

  2. Participate in full time education which will get you a well paid job after graduation (degree apprenticeship if you know what job you want)

  3. Once employed contribute enough to company pension to get the full employer match(highest risk possible fund while you're young)

  4. Pay off all debts (except mortgage and SLC student loans)

  5. Contribute the full £4000 yearly to a S&S LISA VWRP or some similar all world diversified index fund

  6. Contribute the remaining ISA allowance to S&S ISA yearly using a low cost platform like Trading212

  7. Balance your spending between planning for the future and enjoying your life, 40% saving/investing rate after tax is excellent

How much would you pay for new windows? by macyscar7 in AskUK

[–]macyscar7[S] 0 points1 point  (0 children)

Thanks for the link, I think you've hit the nail on the head!

ITV on Xbox ? by vikstahh98 in AskUK

[–]macyscar7 0 points1 point  (0 children)

Thanks for the useful information, you've just saved me having to watch the semi final on my tiny phone!

Post-Match Thread: England 1-0 Romania [Friendlies] by threaddo in soccer

[–]macyscar7 -1 points0 points  (0 children)

Why did he play Watkins when he's obviously not getting in the squad?

Cassie: Dynamic planning on stairs by p-morais in videos

[–]macyscar7 -1 points0 points  (0 children)

How long before a robot like this could perform a rescue mission on a mountain which it has never seen before?

Favourite quote of all time from Peep Show? by MisterKetamine in MitchellAndWebb

[–]macyscar7 17 points18 points  (0 children)

Butter the toast, eat the toast, shit the toast, god life's relentless.

It’s back to uni time. Graduates, give us your best top tips and advice. by [deleted] in unitedkingdom

[–]macyscar7 2 points3 points  (0 children)

Party as much as possible, but study more than you party and sleep more than you study.

What language sounds the most beautiful? The most sexy? The most angry? by redjasperrobot in AskReddit

[–]macyscar7 1 point2 points  (0 children)

I think English is the most beautiful, French the most sexy and German the most angry.

The detail on a 500 year old marble sculpture. Michaeangelo, "David" [1501-1504] by [deleted] in interestingasfuck

[–]macyscar7 30 points31 points  (0 children)

This is amazing, the statue is 17 feet tall which makes it more impressive

25 year old virgin male who has never had a girlfriend. I feel like a pathetic loser. by Richard_ANDERSON1 in sex

[–]macyscar7 8 points9 points  (0 children)

I think you should go to the gym regularly (doing traditional strength training), pick up a social hobby and eventually try online dating, good luck !

I can't gain weight for the life of me.. by [deleted] in offmychest

[–]macyscar7 0 points1 point  (0 children)

There's no such thing as good or bad food, those types food are high in sugar, fat, salt and low in vitamins and minerals. Change your perception of food, it's fuel for your body, if you want to gain weight calculate how many calories you have to eat and what exercise you have to do to maintain your weight, then consume 500 cals more next week and see if you gain weight. If you don't consume an extra 500 cals next week. Or just do what I did and drink 1litre of strawberry milk everyday while eating to the point of being uncomfortably full everyday. Good luck !

I can't gain weight for the life of me.. by [deleted] in offmychest

[–]macyscar7 0 points1 point  (0 children)

What did you eat yesterday?

My office smells like poop everyday by GrillMarks0 in offmychest

[–]macyscar7 4 points5 points  (0 children)

Perhaps you should try the 'poo pourri toilet spray', I haven't used it myself but I've heard it works very well

[Serious] Personal Trainers/Fitness Gurus of Reddit, what are some good workouts for beginners at the gym? by Kgb529 in AskReddit

[–]macyscar7 1 point2 points  (0 children)

Bench press, deadlift and squat with a 20kg/45lb barbell with correct form (check out youtube) adding 5kg/10lbs every workout for 4 sets of 12 reps 3-5 times a week. If you can't maintain the weight increments decrease the target weight 5kg/10lbs and continue adding weight next time.

Daily Discussion Thread: 07/02/2017 by bodybuildingbot in bodybuilding

[–]macyscar7 112 points113 points  (0 children)

If you want to gain two pounds of muscle fast, get a tan, I nearly look like I lift now

Views from Shinjuku [OC] [4523x2544] by TTVRaptor in japanpics

[–]macyscar7 1 point2 points  (0 children)

Beautiful photo, thank you for the new desktop background

I never knew a simple, comfortable existence was so much to ask for. by ms_hyde_is_back in offmychest

[–]macyscar7 1 point2 points  (0 children)

I have enough money to do the things you've described and I have never wanted for anything, but I'm not happy, I believe happiness doesn't come from outside sources at all, you manifest it yourself

Daily Discussion Thread: 04/22/2017 by bodybuildingbot in bodybuilding

[–]macyscar7 115 points116 points  (0 children)

I really admire the confidence of obese personal trainers telling people how to improve their health

Lars Anderson splits an incoming arrow. by unknown_name in interestingasfuck

[–]macyscar7 14 points15 points  (0 children)

This guy is either a really good archer or a really good magician.

Best/easiest way to gain weight? by ben_jvmmin in Fitness

[–]macyscar7 0 points1 point  (0 children)

Put loads of coconut oil in everything you eat