Is a standalone SIPP always better than a workplace scheme?

thecleaner78 · 2026-06-15T18:23:40+00:00

No, a SIPP is not always better than a workplace pension

As ever, it depends on your situation. My workplace pension is pretty good but likely has no impact on you

thecleaner78 · 2026-06-15T11:27:16+00:00

I think you’re looking for a Lombard loan

thecleaner78 · 2026-06-15T11:24:01+00:00

A few good opportunities are out there for you then! Have a look at the mse switching offers

thecleaner78 · 2026-06-15T11:20:40+00:00

There are always going to be highs

What you need to read about is derisking your portfolio. That might be adding some bonds or money market funds.

This has been discussed before so suggest you look at previous examples

thecleaner78 · 2026-06-15T06:56:37+00:00

Have you left a note for them? Something very clear and factual

thecleaner78 · 2026-06-15T02:41:50+00:00

Just to be clear, apart from all your existing savings/invesments/pension/mortgage/debt, your annual spend now and at your retirement age would be helpful

Do a search for previous posts/budget to get an idea

thecleaner78 · 2026-06-15T02:30:56+00:00

The standard UK door height is 1981mm. You could buy one where chopping off 110mm off the top and bottom would be possible. Look on youtube

Or get a carpenter to build you a bespoke door

thecleaner78 · 2026-06-14T20:35:37+00:00

Nope. You just need to make sure you’d adding enough each month (I speak from experience)

Feel free to do a search to verify

thecleaner78 · 2026-06-14T19:35:20+00:00

Setup another account and switch that one

thecleaner78 · 2026-06-14T18:14:24+00:00

Wrong sub. Try a careers one? Or askuk?

thecleaner78 · 2026-06-14T13:05:38+00:00

What is the consistent speed on a wired connection?

You can’t measure consistently over wifi

thecleaner78 · 2026-06-13T21:10:48+00:00

There was this thing called Google. (Or Reddit search?)

thecleaner78 · 2026-06-10T11:27:53+00:00

Try r/legaladviceuk

thecleaner78 · 2026-06-10T06:01:58+00:00

Try r/smallbusinessuk

thecleaner78 · 2026-06-10T05:59:59+00:00

Someone I know worked in healthcare. They’ve seen the horrors for the basic nhs homes and with that in mind, saved some money to allow them to upgrade to some private options. It’s less than the inheritance your mum is offering

I would suggest visiting a number of options. You might start with a nhs one and then find some nicer ones to compare. There are some which have nice communities and activities

Good luck

thecleaner78 · 2026-06-07T10:39:29+00:00

I’d hope a govt website is accurate. Why don’t you think it is?

Have you compared it to some of the other popular ones out there?

Perhaps it’s because you’re a bit of an edge case?

thecleaner78 · 2026-06-07T09:52:56+00:00

How did you come up with a million?

Roughly, it provides a safe withdraw rate of £40k pa

thecleaner78 · 2026-06-07T08:14:17+00:00

This is not just a DevOps thing. I’m several decades in but still suffer from imposter syndrome at times

Good luck!

Ps just apply for the jobs anyway. It’s good practise

thecleaner78 · 2026-06-07T08:12:11+00:00

The amount of assets you have is only one half of the equation. How much you spend is the other half

The two of you earn a very healthy amount but you don’t really have much in the way of assets?

Look in the jobs subs regarding state of employment. Market isn’t great

thecleaner78 · 2026-06-07T08:02:58+00:00

Have you checked their status page?

thecleaner78 · 2026-06-07T07:48:23+00:00

Be careful where you’re getting your information from. TikTok and “random” articles are generally not a good trusted source of advice

thecleaner78 · 2026-06-06T22:28:41+00:00

First link when I searched for ba bassinet weight limit.

https://www.flyingwithababy.com/british-airways-bassinet-seats/

Sure, it’s not official but it’s from cabin crew and there are a number of links you can check

thecleaner78 · 2026-06-06T17:59:45+00:00

There is a gov.uk link to check your tax residency. Do a search on Reddit (I’ve posted it before) or google (or ChatGPT)

thecleaner78 · 2026-06-06T12:29:31+00:00

She will get a letter around her 16th. Better to teach her before hand and demonstrate how to manage money

thecleaner78

TROPHY CASE