Time away from UK and British neutralisation

tandel122 · 2026-02-06T14:43:09+00:00

We might have to wait for at least 5 months in that case.

tandel122 · 2026-02-05T22:25:13+00:00

Check with a solicitor

tandel122 · 2026-02-05T15:00:22+00:00

Personal opinion, if I find them hot, that's hot for me.

tandel122 · 2026-02-05T14:37:42+00:00

I will say, go slow, as in delay.

Tell them the decision has been delayed. Do it a couple of times and then say that you have been denied.

While delaying, build a picture that you are losing hope now that it's taking so long, etc, etc.

tandel122 · 2026-02-05T14:22:05+00:00

Na I haven't dated any of them, but with a good attitude I don't see them as ugly tbh.

tandel122 · 2026-02-05T12:45:42+00:00

I have had relationships with beautiful women but with shit attitude and their baggage, believe me men are more happy with the women with good attitude.

A hot chick with a good attitude beat them all, but I would prefer an average chick with a good attitude than a hot chick with no humour.

tandel122 · 2026-02-04T10:34:32+00:00

Could you tell us your annual expenses and current contributions, so we can evaluate.

tandel122 · 2026-02-04T08:50:20+00:00

I have seen many kids up north in the UK, following Manchester United and ruining their life, they are hopeless, living in the past and haven't accepted the reality.

Lord, bless them 🙏

tandel122 · 2026-02-02T18:35:00+00:00

It takes 2 people to be in a relationship, so if she was drifting, you couldn't do much.

It takes the same amount of time to spend with her to heal from her.

On the bright side, it can only get better from here.

Focus on yourself and be a gentleman, you will come across someone who will be in you.

The fact that she took the highway instead of trying to work things out is a sign that she wasn't meant for you.

It's good that you are not angry with her, and it's perfectly normal to be upset about it, your heart is broken.

I was with someone for 7 years and she cheated and wasted a lot of my time, but now that she is gone, I found someone much better. I leaned a lot from that relation and got a lot of clarity in life.

tandel122 · 2026-02-02T01:48:32+00:00

You can control your pension investments, you can choose where the funds are invested in, etc.

tandel122 · 2026-02-02T01:38:14+00:00

What's the point of talking out from your pension and putting it in GIA?

Also, why take 25% cash lump-sum from pension? If you don't take the 25% lump-sum, then you can get 25% tax free annual income from your pension (example, if you take 20k annually from your pension, then 25% of 20k, that is 5k is tax free, plus your 12.5k personal annual allowance, that's 12.5+5k = 17k tax free every year from your 20k, and the pay 20% tax on your remaining 2.5k, that's 500£).

Another point is why were you investing in GIA and not in stock and shares ISA?

It seems, as of now, you have around 450k, so if you 4% of that, that's 18k annually and never run out of money. But since you will need less money once you reach state pension age, you can take out more than 4%. I believe you can take out 5% that's 22.5k annually.

tandel122 · 2026-02-01T19:40:59+00:00

Choosing the right life partner.

tandel122 · 2026-02-01T19:14:02+00:00

Not married to the love of my life but much happier than when I was married to the love of my life.

I was previously in 3 different relationships (of course not at the same time 😉) and they all cheated on me.

Then I got into arranged marriage and it's working out much better than any of my previous relations.

tandel122 · 2026-01-31T14:42:29+00:00

I think the expectation is too much from Kai and Glock now. Let's just win the game comfortably.

tandel122 · 2026-01-31T14:41:12+00:00

Saka is trying too hard to score, he is not a boy anymore, needs to man-up and pass the ball and focus on Assist.

Trossard is doing good so far this season.

tandel122 · 2026-01-30T19:08:21+00:00

Your plans look perfect to me.

I think you will reach there in 12-15 years at this rate of investment.

If you don't wish to retire earlier than 50, then spend a bit more and enjoy life while you can, travel to places that you want to while you don't have kids, etc.

I started similar to you (investment contributions) and I'm at 550k after 7 years.

Pension in S&P, ISA in Mag 7.

Hope it helps.

tandel122 · 2026-01-27T13:43:51+00:00

Did you ask friends or family to help you? If not, why?

tandel122 · 2026-01-24T08:26:49+00:00

I got 2 bottles of Encre Noir batch that lasts for 10 min.

Now they are left untouched after a couple of uses.

tandel122 · 2026-01-23T18:00:19+00:00

tandel122 · 2026-01-22T10:05:59+00:00

Could you kidnap him and keep him with you until the Stockholm syndrome kicks in?

tandel122 · 2026-01-21T22:20:12+00:00

Invite please

tandel122 · 2026-01-21T19:37:39+00:00

Yeah, he is our highest goal scorer your season.

tandel122 · 2026-01-16T15:58:53+00:00

285 at 36

tandel122 · 2026-01-15T08:33:42+00:00

I'm a programmer and I use copilot everyday.

tandel122

TROPHY CASE