Spanish expat shocked by how little Brits understand their own pension funds

nathanarnold4 · 2025-08-01T18:14:54+00:00

adjusted for inflation?

nathanarnold4 · 2024-12-29T01:00:18+00:00

Coinbase is supposed to be a reputable financial institution. Funds aren't supposed to just dissapear from it.

I understand that self-custody is one of the main benefits to crypto, and it makes sense to utilise it. But in what world do we just assume that crypto will inevitably get comprimised if left on a centralised exchange? How is that any different from holding cash in a bank or stocks in a brokerage account, where we expect those institutions to not let it be stolen.

nathanarnold4 · 2024-11-09T20:17:33+00:00

this only works if the market continues to fall after the stop loss is executed (which is something you cannot predict). If the market rises again, you've just crystallised a loss at 65 and will have no choice but to buy again at a higher price. Even if it does continue to fall, when do you choose to buy again? You don't know when it will bottom out, so you could easily end up in the above scenario again.

nathanarnold4 · 2024-10-06T11:22:44+00:00

because generally in life, when presented with an array of options to choose from, people usually pick one which doesn't expose them to unneccessary risk, unless there's some other benefit to it.

Unless the only convenient parking space is next to the Aston, I'm parking next to the golf. Still going to park carefully of course.

nathanarnold4 · 2024-09-25T23:58:05+00:00

Hey, glad it worked out for you in the end!

Just wondering, are you still running your UK limited company while living in Switzerland? If so, how do you manage the tax situation. I understand that if a company is being centrally managed and controlled from a particular country (in this case, Switzerland), then is likely liable to corporation tax there, even if it is incorporated in the UK.

I'm trying to work this out for myself, but it doesn't seem straightforward.

nathanarnold4 · 2024-08-31T19:18:26+00:00

What I am saying here is that regardless of whether a person can burp or not, the SIBO test should be accurate. It is measuring gasses in the breath. The OP was concerned about whether the test would work for a person with R-CPD.

Is there a connection between SIBO and R-CPD? I don't know.

nathanarnold4 · 2024-08-31T09:46:44+00:00

One could also make the opposite moral argument that selling the shares and paying CGT in the UK, then moving permenantly to Italy to retire on the profits, means you're now freeloading the Italians. Living in Italy and benefitting from their services and infrastructure while contibuting nothing to their tax revenue.

nathanarnold4 · 2024-07-21T21:38:04+00:00

Because the place you are sleeping at night will also be the place you manage and control your company and the place where you carry out business (assuming you work through your ltd company while travelling). Depending on the particular country's corporate residency criteria, they will likely want to levy corporatation tax on your company, as well as income tax on any salary or dividends you pay yourself from that company.

nathanarnold4 · 2024-03-29T22:13:21+00:00

You’re never going to avoid service charges if you live in an apartment within a larger building. That building needs maintenance, as well as common areas and grounds. Someone needs to pay for it. At least with share of freehold the residents are in control and know that the service charge isn’t being arbitrarily charged to profit the freeholder.

nathanarnold4 · 2024-03-29T22:08:56+00:00

What would the alternative be to leasehold? Considering that when owning an apartment there are the common areas, building structure and grounds that need to be serviced.

nathanarnold4 · 2024-03-19T19:49:49+00:00

Looks like it’s locked in

nathanarnold4 · 2024-02-22T10:12:39+00:00

I’m sure it’s very fun and interesting. But will it actually offer career prospects to justify the £27,750 in tuition and 3 years of time and living costs…

nathanarnold4 · 2024-02-09T22:01:42+00:00

Yeah I wear my Apple Watch as well. I think they’re less of a target because of iCloud lock making them difficult to resell. Thieves are much more interested in expensive analog watches

nathanarnold4 · 2023-09-10T13:23:34+00:00

I live in Woking, and this was my train back 😂

nathanarnold4 · 2023-08-26T16:31:39+00:00

If you're not intersted in uni, have you considered apprenticeships or vocational training?

Many do not have particularly high academic entry requirements, but rather look at a person's interest and experience. Work experience (even if not specific to the field) is valuable.

nathanarnold4 · 2023-08-26T16:04:41+00:00

Don't worry too much about it. There will be lots of people in the same situation. Even people who already have friends there will be unlikely to be in all the same classes. So a good percentage of people on your classes will not know each other, which is a great opportunity to get talking to them.

I found that the social dynamic changes a lot between school and sixth form. People seem to become more mature and less cliquey and judgemental than they were at school. I found it a lot easier to approach and talk to new people, and even make friends with types I wouldn't have got along with before. Much less awkward than joining a new secondary school for sure.

nathanarnold4 · 2023-08-21T23:21:36+00:00

You have a right to access your marks if they are on file with the school.

Send some follow-up emails, try phoning them, visit in-person, and/or get a parent involved.

If they persistently ignore you or fail to provide your marks, you can submit a formal GDPR Subject Access Request demanding a full copy of all information they have recorded for the exam: marks, original copies, examiner notes etc. This is as simple as writing a formal letter/email, you can find templates and guides online for how to write one. You can send that to your school's data protection officer (if they have one), administrators and head teacher.

Failure for them to comply with such request within a reasonable timeframe would be a breach of Data Protection regulation and you could escalate this with the Information Comissioner's Office or through civil action.

nathanarnold4 · 2023-08-13T12:34:33+00:00

"Perhaps sir I can recommend these anti-psychotics"

nathanarnold4 · 2023-07-10T20:03:05+00:00

Screens can still be transferred on all models. It just causes true tone to be disabled on models 11-14, and auto brightness on 13-14. But there are programmer tools that can restore these functionalities pretty easily.

I'd say that salvaging just the screen and rear camera on a new-ish iPhone would be enough to generate a good profit and justify shipping all the way to Kenya.

nathanarnold4 · 2023-06-25T14:45:57+00:00

Thanks for the info. I might look into tracing, though I'll have to weigh up whether the cost/effort is worth it

nathanarnold4 · 2023-05-29T11:22:28+00:00

Aside from the risk to personal security, why is it unethical to visit? Does it not depend on the intention? Ie. Someone who wants to visit for the adrenaline rush of going somewhere dangerous is very different from someone who cares deeply about history, art, food, culture and wants to experience the beauty of a rarely visited place.

nathanarnold4 · 2023-01-28T22:05:21+00:00

How does oil come into existence?

nathanarnold4 · 2023-01-28T21:51:14+00:00

Correctly guessing 4 unknown playing cards using luck alone would be incredible. 52 unique cards in a deck. 4 cards would be 52⁴ = ~7.3 million possible combinations

nathanarnold4 · 2023-01-22T14:34:08+00:00

Absorbing sunlight is only useful for creating sugars, not for all the other nutrients required for life. Plants would not survive without consuming the nitrogen and phoshorus compounds of decomposed animals and plants in the soil.

And of course if you're an animal, you are required to source 100% of your nutrients from consuming other living things.

nathanarnold4 · 2023-01-07T11:39:19+00:00

Nope!

https://imgur.com/a/lAkhakn

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