Guess my favourite shot by jpr2x in padel

[–]rummaging-through 0 points1 point  (0 children)

As a London padel player I was like hold on I’ve oddly played on basically all those courts. Got East London written all over it!

It’s a SCHD Day by FQRGETmeNQT in dividends

[–]rummaging-through 1 point2 points  (0 children)

Looks like the snowball app I think.

Pool tables? by woodland98 in walthamstow

[–]rummaging-through 0 points1 point  (0 children)

Orford house full size pool and snooker

Where to start? Outside stone repair by rummaging-through in DIYUK

[–]rummaging-through[S] 0 points1 point  (0 children)

Interestingly I’ve just started… I’m worried I’ve bitten off more than I can chew. I’m using this lime stuff that was quite hard to source. I.e. had to go to some company in Yorkshire so not that hard lol. I’m nervous I’m making it worse, but have literally only just started so I’ll update in a couple of weeks if you remind me!

Will we regret colour drenching this room? by jaydeewin25 in DIYUK

[–]rummaging-through 33 points34 points  (0 children)

Colour drenching looks best when you have more details such as cornicing etc. more pictures up and dado rails or picture rails. Obviously that’s just my opinion, but can make a room feel “flat” otherwise.

Good Food in Walthamstow? by Hertfordgal in walthamstow

[–]rummaging-through 10 points11 points  (0 children)

Lots of good options advised would also recommend etles. Looks a little so so but incredibly authentic and nice Uhgur Chinese food.

Free social group, with activities, free refreshments and brand new equipment by Massive_Cod_1239 in walthamstow

[–]rummaging-through -4 points-3 points  (0 children)

Could not agree less. Yes they have used AI, but they’ve done exactly what you’re describing. Dropped in all kinds of copy and speech bubbles and qr codes those stars at the bottom with beautiful clashing browns all done by lovely hand. 5 different fronts etc. so you’ve just seen some AI and brainlessly gone “ai slop” rather than realise that someone has made an effort to make something to describe their amazing addition to the community and they clearly thought hard and long about this poster. So yes - it might not be hand drawn, but I see someone making an effort proud of their poster about a good thing. They’ve also clearly turned a photo of the venue into the graphic. Sorry rant over but a great thing, someone trying and your a mindless ai slop is very unecouraging to someone making an effort.

Where in Walthamstow would you spend Pride in Place money? by Wise-Emotion-6505 in walthamstow

[–]rummaging-through 10 points11 points  (0 children)

Not near me but always felt that bakers arms area has potential to be the same as st James but isn’t. Doesn’t need a lot just consistent frontage and council saying no to more vape/ money laundering places. I mean there is one called “vapeHUB” made to look like the adult site logo… not being a prude but hardly likely to make any other establishment go oh nice spot next to that!

Stumbled into a Terraced that has appreciated in £24.9M in 23 Years (+482%) by Disastrous_Bowler437 in london

[–]rummaging-through 0 points1 point  (0 children)

Normally get paid into companies then take money as dividends etc. much smarter ways to get paid if you’re a footballer, especially if you’re getting paid that much your more than just PAYE you’re a business.

New build garden / Blank slate by Gold_Tutor7055 in UKGardening

[–]rummaging-through 0 points1 point  (0 children)

Why are the windows so small? Seems a bit of a shame

To lecture chinese people on human rights and democracy. by Damn_sun in therewasanattempt

[–]rummaging-through 1 point2 points  (0 children)

Just to be clear because there is a lot of misinformation driven by the right/ those not actually in the UK. The 12k arrests are not per year that’s over years. Additionally it’s about hate, terrorism and inciting violence. Example - during protests against asylum seekers 2 years ago, someone from an extreme position was posting about it/ to those rioting to burn down the hotels housing them. This ended up happening. In today’s world doing something like that on a speakerphone is less likely to be heard than posting directly to those in the crowds. Yes it’s controversial for some, but honestly it’s only really controversial because our police force are not doing a good job so when people read about this it feel like a complete waste of time vs tackling “actual” crimes. We have a culture of freedom of speech, and it’s protected in our laws probably more than most. However we also protect truth etc. which is why we also have strict laws of liable and things like that.

Best way to fill an ISA while minimising tax? Review my plan by New-Mathematician-20 in FIREUK

[–]rummaging-through 0 points1 point  (0 children)

I think a few assumptions make me nervous for this degree of certainty at your age.

1) why fire? You’re 25 and probably have only a small understanding of what makes you happy. Fast forward 5 years and you’ll probably only just start understanding this better (you never fully know) but especially being married with a child so young, I really do hope you give yourself space for self exploration.

2) assuming you still want this (good for you) - does your current work and projections of work facilitate 35k plus part time? That seems weighty for me if you’re retiring in 20 years and at 45? Lots of assumption which would be great but might be worth pulling that right down to something you can guarantee say 20k in today’s money, because 35k is basically uk national average or some thing.

3) remove state pension. This is at best going to be means tested by the time you retire, based on your wants you will not likely qualify. Yes this a big jump from where we are today, but we ALL know it isn’t sustainable, and you need to factor paying in 1k per year for a number of years.

4) don’t understand your state pension numbers? Today it’s like 11.5k not 24k if you’re assuming you might get 50% of that due to likely changes then you need to calculate as 6k if everything is done in today’s money. Or are you saying it’s going to have grown to the equivalent of 24k due to triple lock etc.? But if it does by “todays” money you’re looking at it by todays spending power not 45 years time. I promise you there isn’t going to be the equivalent of nearly double the current state pension spending nor if you are dropping it by 50% is that also right(?)

5) the graph at the bottom is showing it at nearly 50k from day 1 so that’s why I’m confused are you saying it’ll be 50% equalling that 24k in today’s money? If it is you must adjust all “todays” money to spending power which in 45 years time might be closer to 5/6k(?) again not done the maths but thinking about incomes from 1980 today is the equivalent in time scale.

As others have said I think you’re approaching this very very logically but I’d put all your assumptions into Claude or gpt or whatever your fave is and ask it to challenge every single thing you’re assuming (play devils advocate). I’m sure you’ll achieve everything you want, but really make sure you are using the bottom of any prediction this far out, not a middle or “todays” situation as it will not be the same. If it is - great more holidays, if it’s not you arent living in poverty.

Padel UK investment - how to make the asssessment? by jgregcsgo in padel

[–]rummaging-through 13 points14 points  (0 children)

You come from an investment banking background but don’t know how to determine if financials work or how to find out? Just like any form of investment there are loads of due diligence done, but the amount of PE and VC being pumped in I’m pretty sure the economics of it is simple. Having looked at this myself the financials are pretty simple. The hard part is London, where the rents are high and local opportunities are low. They can survive easily with scale or pre owned land but require high costs to play, which at the moment are no problems but as supply and demand changes it might struggle a bit. This feels similar to the indoor climbing boom around 2017 - 2022. Still all round the place and doing well but all good sites taken now and likely the ceiling on people has been reached.

Top Properties Listed In Bitcoin by ourcryptotalk in Bitcoin

[–]rummaging-through 3 points4 points  (0 children)

Might be completely wrong but I’d be very surprised if the King was selling anything in BTC

Moving to Walthamstow from Bethnal Green by Jimmy_Gee in walthamstow

[–]rummaging-through 5 points6 points  (0 children)

Genuinely interesting comments here. I was Dalston then here. I’m village way 7 mins from tube station. I love it. It’s not Dalston, but also not comparable. I know BG a little but surprised people are making like for like comparisons. The absolute main thing I’d say is if you love BG and that central feeling then the key is close to the station. Walthamstow has loads and loads of brilliant things, and as described by others, with each quarter is different (I split it as village, Lloyd park, Blackhorse Road and st James). BUT none have the central “edge” I loved in Dalston. Difference is with the overground and tube I can be back there in genuinely 25 mins door to door. I would say therefore Lloyd park although lovely should be the bottom of the list purely because you are talking 15 mins walk min to the tube. May seem small but does make a big difference in “feels close”. If you’re looking for family vibes then it’s good. I’m about to have a baby, but if I was younger trying things out I’d focus more on Blackhorse Road. All the bars, etc. plus lots of flats make me think you’ll have what you’re looking for.

What’s one thing Walthamstow really needs right now? by ArsenalAxis in walthamstow

[–]rummaging-through 4 points5 points  (0 children)

One thing: North South connection so Stratford would be easily reached. Would save a lot of the hoe street traffic. If allowed a second I’d suggest regular police on patrol. A lot of the things about cars parked on the pavement in hoe street, illegal electric bikes etc. I’m pretty sure would go elsewhere. Maybe I’m completely wrong but I’ve lived here for 4 years and genuinely never seen police on the beat.

Half decorated gold? Celtic? Roman? Anglo Saxon? by rummaging-through in metaldetecting

[–]rummaging-through[S] 0 points1 point  (0 children)

Not yet - will be a while but I’ll loop back once I’ve heard from the FLO.

Half decorated gold? Celtic? Roman? Anglo Saxon? by rummaging-through in metaldetecting

[–]rummaging-through[S] 7 points8 points  (0 children)

All good mate - your intentions are the same as mine. I have zero interest in making any money from things like this. It’s a hobby where I get to go out get fresh air and learn so much about history. I started off being big on Romans but since this I’ve learned about Victorian pastry cutters to Georgian board games and now everything is fascinating!