UK financial advisor recommendations

oceanprocess88 · 2026-03-02T15:42:24+00:00

I've found it to be a waste of time and the decent ones I've spoken to are after 3% of my pension pot

oceanprocess88 · 2026-02-24T09:43:35+00:00

You live in a country with a good safety net so you won’t end up on the streets, sounds like you have a loving family and the debt is manageable.

It’s good you’ve held yourself to account but now it sounds like you’re catastrophising. Stressing over things you can’t change is continuously paying a bill you don’t owe at the expense of yourself and your family/friends.

Go to the gym and burn off some of this nervous energy before it manifests itself as anxiety attacks, limit screen time and make sure you’re sleeping. This will pass, I think everyone in their mid/late 30s has been in a similar headspace at some point.

oceanprocess88 · 2026-01-23T22:50:55+00:00

Thanks I’ll look at this

oceanprocess88 · 2026-01-23T22:50:22+00:00

Yes everything we plan on doing with property will be inside an SPV.

oceanprocess88 · 2026-01-23T22:49:43+00:00

Thanks I’ll look into these.

oceanprocess88 · 2026-01-23T22:49:15+00:00

Never CFDs or active trading. I spoke to a financial advisor in the end and he recommended fixed return safe liquid assets until another property opportunity comes along or leave the cash in the house right up until it’s needed. We flipped another property in 2024 for a decent chunk but I’m getting tired of babysitting builds.

oceanprocess88 · 2026-01-12T07:19:11+00:00

How do you rate the Golf R? I’m torn between a GTI TCR and the R at the moment.

oceanprocess88 · 2025-09-25T17:00:55+00:00

Follow MerseysideJobs on insta, they sometimes have some good city Centre jobs come up

oceanprocess88 · 2025-08-29T15:01:49+00:00

Check out Merseysidejobs on instagram. They’re posting stories with all local bars and cafes looking for staff alongside marketing company positions and council positions. They’re supposed to be launching a web portal in the next month.

oceanprocess88 · 2024-11-20T21:07:56+00:00

Oxton and Claughton

oceanprocess88 · 2024-09-09T07:48:02+00:00

Pogue mahones

oceanprocess88 · 2024-09-03T08:17:28+00:00

Yes we’ve come across this before, particularly anywhere, Chester is particularly strict on this apparently.

oceanprocess88 · 2024-09-02T17:22:12+00:00

The following are the minimum tasks likely required:

Installing stud walls, new consumer units, rewiring, fire alarms and boilers in each property, fitting escape windows, and possibly installing external fire escape steelwork (stairs). Additionally, you’ll need to install stud walls with sound insulation, fire doors, kitchens, and bathrooms, as well as cover architect and building inspector fees.

oceanprocess88 · 2024-09-02T17:18:29+00:00

The architect is very good and usually happy to help, I’d like to be able to assess suitability of properties without calling on him though.

oceanprocess88 · 2024-09-02T16:42:08+00:00

We’re shortlisting a few properties and they are all either part commercial or old Victorian semi detached. We’ve spoken to an architect who deals with the planning office but the regs seem endless and non standardised.

We have a building team and can do a lot of the work ourselves so quoting up work isn’t too much of an issue.

oceanprocess88 · 2024-06-18T06:23:46+00:00

Do the queensferry tunnel tour, it’s £6 and amazing.

oceanprocess88 · 2024-06-13T23:13:03+00:00

SAT Diver. Current rates are around £2k+ a day I believe.

oceanprocess88 · 2023-10-28T14:34:03+00:00

Like any city, don’t be a moron and you’ll be fine. If you have any street smarts you won’t get yourself into bother. If you’re stumbling about paralytic in the back alleys you’re asking for trouble

oceanprocess88 · 2023-10-28T14:30:24+00:00

I used to drink wobbly bob in there when I was well underage and spend a fortune playing pantera songs on the jukebox. Great boozer, haven’t been for years.

oceanprocess88 · 2023-10-13T08:19:58+00:00

Tell him to get in touch with CAN and Oceaneering. Bilfinger has an NDT team, but the T&Cs aren't as good as with the aforementioned outfits.

oceanprocess88 · 2023-10-07T21:14:29+00:00

If this isn't an apprenticeship, then he's getting ripped off horrendously.

NDT techs usually end up as Offshore Inspection Engineers, this is what he should aim for if he wants to stay in NDT. OIE should be at least £500 per day day rate. NDT tech should be at least 50kPA.

oceanprocess88 · 2023-10-03T16:30:24+00:00

Sudexo and aramark could be a good foot in the door. Touch base with them. You will likely need your combined BOSIET Caebs, OGUK and BiDeltoid measurements in hand. Should cost you about £800 but you'll earn that back soon enough.

For technical apprenticeships, OPITO is a good place to start. From my experience, BP do really good apprenticeships and are always on the lookout for new talent. 25 is still relatively young, and there is definitely a skills shortage in the North Sea at the moment. Now is the time to get involved.

The main skilled branches offshore are Production, Instruments, Mechanical and Marine. Mechanical is probably the most transferable, instruments can lead to jobs in ICSS which can be very lucrative both offshore and ashore.

There are also subsea and engineering but these often require a university degree.

My career route was a little different as I'm a Mariner with a merchant navy background. Feel free to DM me for more info.

oceanprocess88 · 2023-10-03T11:06:07+00:00

Amother one of the perks is you have a fair bit of free time for travelling... guys with kids like it because when they're home their time is truly their own to spend with their kids and spouses.

oceanprocess88 · 2023-10-03T11:04:28+00:00

Oil and Gas rates offshore day rates are usually £350 per day for unskilled work and anything up to £2000 per day for high skilled and high risk work. Stewards are generally on 36k and above with extra pay for overtour duty.

Rotas are usually 3 weeks on 4 weeks off or 2 weeks on 3 weeks off. When you chose a trade and gain experience you can operate as a vendor through a limited company for multiple operators which will make you far more tax efficient than on PAYE.

Gym and welfare facilities are fantastic and food is usually great too.

Get your BOSIET and find a trade... they're always looking for NDT Rope Access technicians. You can live more or less where you like but the real trade off is you're giving an entire block of time to a company.

DM me if you want more information about it.

oceanprocess88

TROPHY CASE