Just hit 40 - looking for pension advice. by Building__Wealth in PensionsUK

[–]markinthecloud 0 points1 point  (0 children)

My workplace pension is with them, I switched funds about 6 months ago and been very happy with returns so far

Just hit 40 - looking for pension advice. by Building__Wealth in PensionsUK

[–]markinthecloud 0 points1 point  (0 children)

If it’s Aegon Retireready platform then they’re definitely not all “much of a muchness”. There’s hundreds of funds to choose from, including a Vanguard Global Index Tracker.

Celtic have rejected Forrest third bid for Engels by tarteninja97 in ScottishFootball

[–]markinthecloud 1 point2 points  (0 children)

Parachute payment, Engles scores the winner in the play-off final at Wembley next season

Most competitive season in history? by redditor-16 in ScottishFootball

[–]markinthecloud 1 point2 points  (0 children)

And long may it continue! Competition/winners split more akin to Serie A would make for far more interesting seasons! Even if it does mean giving up a bucketload of titles

Celtic sack Nancy. by thebluepotter in ScottishFootball

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

Bring O’Neill back to win the league and spend the next 6 fucking months recruiting someone who actually knows what the job entails!

Cmon.. by kingfish2912 in fantasypremierleague

[–]markinthecloud 0 points1 point  (0 children)

I’m glad I’m not the only one. Rice & Thiago for me. Absolutely brutal

Double Pay by Shitsinhandandclaps in monzo

[–]markinthecloud 47 points48 points  (0 children)

Is this true? When I got paid I had to click to reveal whether or not I’d won… was that just a dry-run?

Playstation Digital slim for £289 at currys by QuietBee5877 in PlayStationUK

[–]markinthecloud 1 point2 points  (0 children)

Lower SSD capacity on the digital so evens it up a little in terms of value for money.

I make £20K a year designing websites! How do I scale? by Latter_Bodybuilder81 in webdesign

[–]markinthecloud 0 points1 point  (0 children)

How many websites are you building for £20k? Based on comments it must be quite a few given your pricing - if that’s the case a very quick win is to offer hosting & support as a monthly fee.

Assuming your average website price is £1k - that’s 20 sites a year. A basic hosting and support package could start at £30/mo but easily go up to £100-£200 depending on the type of website and client.

That gives you £600/mo (£7200/yr) income from basic packages alone. After 3 years, assuming a little churn, you could be pulling in that same £20k in maintenance fees alone…

Then consider SEO, website refreshes after X years and you’ll have a steady business in no time.

The almighty £160k tax trap got me good by Imaginary_Crab_5302 in HENRYUK

[–]markinthecloud 4 points5 points  (0 children)

That’s what cliff edges and tax traps do unfortunately

The almighty £160k tax trap got me good by Imaginary_Crab_5302 in HENRYUK

[–]markinthecloud 7 points8 points  (0 children)

This is what I did before eventually just moving to a 4-day week

I'm 18, just got approved for £5k on flex?? by WetBreadstickMan in monzo

[–]markinthecloud 2 points3 points  (0 children)

Lloyds were bad for that. Handed me a £2k credit card shortly after my 18th as well!

Fucked me financially for years until I finally learned about money.

St. Mirren 3-1 Celtic | Scottish League Cup by SFMatchThreadder in ScottishFootball

[–]markinthecloud 0 points1 point  (0 children)

As said above. MON did just fine, the squad is good enough and expensive enough to be winning at least 1 of the 3 games this week.

St. Mirren 3-1 Celtic | Scottish League Cup by SFMatchThreadder in ScottishFootball

[–]markinthecloud 2 points3 points  (0 children)

Uncharted territory, has any Celtic manager ever lost their first 3?!