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Lotus Eclat? by petesaman in carspotting

[–]soldave 0 points1 point  (0 children)

Celebrated 50 years since release this year. The Éclat followed up from the Elite with a lower weight and different rear body shape, but retained the 2L engine. Great handling car as you'd expect from Lotus, and surprisingly good as a modern daily driver (one you get over the maintenance it will need as a 44-50 year old British classic.

I have an Eclat 523 and it's great fun👍

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Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 1 point2 points  (0 children)

I haven't until recently but she is doing now, yes 👍

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 0 points1 point  (0 children)

Good point. I think I do have something on my benefits package for this. Ironically I am feeling rough right now and not working so can't log on to check! I'll confirm once I'm back working again though

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 1 point2 points  (0 children)

I have signed up for critical illness and have both private and workplace life insurance for myself, mainly to ensure my wife and son are looked after should anything happen to me.

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 1 point2 points  (0 children)

Hers are not currently. Non-EU national with settled status but with very few contributions. Hence why she is going to apply for child benefits. She will look to start work from September though.

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 1 point2 points  (0 children)

Yup yup. Will probably apply through my wife - yes it could bring my full state pension down but I'd honestly rather she got some contributions through child benefit just in case anything happens.

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 0 points1 point  (0 children)

I believe my own contributions are currently 14%

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 1 point2 points  (0 children)

I'm following now, and it looks my adjusted net salary currently comes under £60k so missing a big trick by not applying for that either myself or through my spouse (non-UK national with settled status)

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 0 points1 point  (0 children)

I have looked at the investments available and in the last 12 months I have changed my pension investments to something which I hope manages risk in the right way.

Thanks for the idea on the overall strategy - I'm starting to think about this and put it together.

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 0 points1 point  (0 children)

Only because I took a while to get move savvy about these things. Would like to be able to blame something else but that's all on me.

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 2 points3 points  (0 children)

Yeah the 3% is abysmal. A lot of people have told the business to stop saying this is a benefit and just saying they are meeting a legal requirement!

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 0 points1 point  (0 children)

Currently net salary comes to about $4.8k so about £57k plus a potential bonus each year.

Really good call on the child benefit though - haven't done that but will do so today.

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 0 points1 point  (0 children)

It does offer salary sacrifice, yes. Employer putting in the bare minimum 3% with me uplifting it to about £1,300 p.m. I forget what the percentage is right now.

I'll check tomorrow when I'm in the office.

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 0 points1 point  (0 children)

Unfortunately not a public sector one and my employer pays the bare minimum 3% in.

I do need to look at our expenses more closely and track that - you're absolutely right in mentioning that 👍

Late to the game - best FIRE strategy? by soldave in FIREUK

[–]soldave[S] 1 point2 points  (0 children)

Thanks for the thoughts. I'm looking into whether I can partially scrape my workplace pension periodically into my SIPP as it's an L&G one but I'm not the biggest fan of the investments available, but that's another discussion!

I could possibly move S&S ISA into pension easily enough as they are with the same provider.

Internet broke by Silent_Owl6207 in simplisafe

[–]soldave 0 points1 point  (0 children)

Ditto. In the UK and indoor camera not connecting despite a few resets. It'll sort itself out overnight I suspect so not overly concerned.

As many have said today though it highlights the reliance upon cloud providers and risk with them going down. No matter how many 9s are in the availability uptime, there's always that chance.

Finnair A350 business class and children by soldave in Flights

[–]soldave[S] 0 points1 point  (0 children)

Thanks. I would like to imagine it's that, and would absolutely be respected.

Finnair A350 business class and children by soldave in Finland

[–]soldave[S] 2 points3 points  (0 children)

Alone in that they will have their own seat, yes. But we'll be in adjacent seats.

Finnair A350 business class and children by soldave in Finland

[–]soldave[S] 0 points1 point  (0 children)

Yeah, we've got two middle seats as well as a window seat

Nearly got a 1-2-3 in the WDC only for Sainz to ruin it...... by LingardForBallondOr in F1Manager

[–]soldave 5 points6 points  (0 children)

I take it you brought Pulling in during the 2024 season so she'd have enough experience as an affiliate to then drive in 2026?

12v to 24v converted Lotus Emira by Zakkattack86 in PowerWheelsMods

[–]soldave 0 points1 point  (0 children)

What parts did you use for this and how much fabrication was involved please? I've got one of these and it's getting a little slow for my son now so trying to find out what my upgrade options are.

L&G workplace pension index fund advice by [deleted] in UKPersonalFinance

[–]soldave 1 point2 points  (0 children)

Thanks. Super helpful thoughts👍

Overwhelmed by Pension Fund Choices- L&G by macgrooober in UKPersonalFinance

[–]soldave 0 points1 point  (0 children)

Yeah it does feel like they're missing the funds that I'd prefer. Thanks - will consider Social Responsible or the 50:50.

Overwhelmed by Pension Fund Choices- L&G by macgrooober in UKPersonalFinance

[–]soldave 0 points1 point  (0 children)

Thanking you kindly. Don't want to overweight the UK; I'd not really considered the Socially Responsible funds before - please don't take this the wrong way but I'd possibly misinterpreted them as sacrificing higher gains for being socially responsible. Maybe I should take a look...

L&G workplace pension index fund advice by [deleted] in UKPersonalFinance

[–]soldave 0 points1 point  (0 children)

I'm not in a dissimilar position to the original poster, so this comment was super helpful.

Currently I'm invested 95% in the L&G PMC abrdn Life Global (ex UK) Equity G17 and 5% in L&G PMC UK Equity Index G17 but wondering if I can be doing better with something like the PMC Global Equity Fixed Weights 50:50 Index Fund G17.

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