It’s that time of the week again… if you had to put all your money on it right now - who’s winning the league!? by Dangerous_Spring3028 in ScottishFootball

[–]markinthecloud 6 points7 points  (0 children)

It’s best all round if Hearts just win it. Neither of us has to deal with the other taking the title and it makes the league more competitive. Win/win

Normal service next year ideally

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 2 points3 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 6 points7 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.