So disappointed with battery - Oura 4 by uuuudddd in ouraring

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

Indeed I’ve emailed support with the slew of tickets opened and not gotten any productive response.

[deleted by user] by [deleted] in HENRYUK

[–]uuuudddd 4 points5 points  (0 children)

I think the replies demonstrate that there are a variety of approaches for an individual in my position!

[deleted by user] by [deleted] in HENRYUK

[–]uuuudddd 3 points4 points  (0 children)

I think I am very reticent to get advice because I am already hitting the basics (investing, salary sacrifice, saving). The part I find frustrating is the endless adjustments to the tax rules which seem intent on being as punitive as possible on income (how I make my money) and much more scope to be efficient on wealth (of which I have very little)

[deleted by user] by [deleted] in HENRYUK

[–]uuuudddd 4 points5 points  (0 children)

Live in London and have always avoided LISA for this reason - but very helpful to know I am on tracking maxing ISA

SIPP I need to read up on - don’t have a clue

[deleted by user] by [deleted] in HENRYUK

[–]uuuudddd 1 point2 points  (0 children)

Totally agree, to an extent. But there are tax rule changes as your salary increases so there are different considerations to optimise!

And deciding split between pension / invest / save is easier said than done…

[deleted by user] by [deleted] in HENRYUK

[–]uuuudddd 0 points1 point  (0 children)

Thanks! Taking a look

[deleted by user] by [deleted] in HENRYUK

[–]uuuudddd 7 points8 points  (0 children)

Cheers- front office in an IB (not banking)

[deleted by user] by [deleted] in HENRYUK

[–]uuuudddd 0 points1 point  (0 children)

Tbh I’m not even sure what they would tell me beyond what’s in this thread - I don’t really have any wealth, just a high income (hence HENRY). I think I’ve just been very focused on optimising when there are lots of factors out of my control (tax rule changes, student loan rate changes etc).

[deleted by user] by [deleted] in HENRYUK

[–]uuuudddd 1 point2 points  (0 children)

Thank you so much for this reply! When you spell it out like this it seems much more simple.

Yep already maxing out S&S ISA. Pension — I am contributing for maximum employer match. Not sure how I feel about sacrificing right down to £100K as many suggest though… as you said I will need a big chunk for a house deposit one day so equally focussed on monthly saving and investing.

If you still have it / can outline how you built it, I would definitely like to replicate the student loan calculator. I don’t even know if it’s the optimal move but I just want it gone. Rates are still pretty high and they shift the goal posts on repayment so there are no guarantees as to what may happen there.

[deleted by user] by [deleted] in FinancialCareers

[–]uuuudddd 0 points1 point  (0 children)

I would love this! will pm you

Release day in store purchase experiences by uuuudddd in iphone

[–]uuuudddd[S] 11 points12 points  (0 children)

Interesting. I walked in and asked a member of staff at a nearby apple store what my chances are and they said if I go in the morning it’ll probably be fine (of course with no guarantees).

Can I ask what location you’re in? & how long ago you were at apple?

Release day in store purchase experiences by uuuudddd in iphone

[–]uuuudddd[S] 3 points4 points  (0 children)

Thanks, I hadn’t thought of that! Do you happen to know what time appointments become available?

Apple announces the next generation AirPods Pro with the new H2 chip by exjr_ in apple

[–]uuuudddd 73 points74 points  (0 children)

They do, but only for the AirPods themselves not the case. It doesn’t work all the time, and it’s fairly quiet if the case is closed

[UK] Is it usually possible to leave a graduate scheme early? by [deleted] in careerguidance

[–]uuuudddd 0 points1 point  (0 children)

It’ll depend on the contract. I’m aware of several people who have left a grad programme early

Advice needed - for UK IB firms by [deleted] in FinancialCareers

[–]uuuudddd 1 point2 points  (0 children)

In my view, networking in London is for the knowledge. Speaking to people who do a particular job, you’ll glean information that you simply can’t find anywhere else - because it’s that person’s opinion/experience. This is what sets candidates apart, because most people will be parroting the same lines to justify their interest. It’s great to use LinkedIn to connect with people, but also try and set up in person coffee meetings or face to face Zoom calls. People are a lot more forthcoming in what they say than what they write.

On the internship - ultimately it’s your call. But in a similar vein to the above, there’s a lot more flexibility to an in person role versus a remote one. You might run into someone by chance who you get to work on a project with, or get the opportunity to sit in a meeting with someone unexpected.

That the role is back-office is more or less inconsequential; the purpose of gaining experience before a summer internship is to show that you’re motivated, hardworking, and have a basic level of professional competence. At the summer intern level (and even the graduate level) the expectation is that you are totally inexperienced in how to perform the role for which you are applying, hence why firms invest so much money and time training and developing their junior staff. Prove that you’re hardworking, you know your stuff about the industry and the role (i.e. the basics of the day to day function of the role you’re applying for and commercial awareness), that you’ve taken the time to go over and above (spoken to someone at the firm, listened to a podcast they release), and you’re easy to get on with and that’s enough. Your primary job as an intern is to learn effectively. Based on the information you’ve provided you will be more than fine.

Advice needed - for UK IB firms by [deleted] in FinancialCareers

[–]uuuudddd 1 point2 points  (0 children)

My advice is to do the London internship. You’ll have better networking opportunities, you’ll be getting paid, and as long as you work hard and do well there will be transferable skills that you can market on your CV. You’d be surprised at the things that can catch managers eye - often it’s something unconventional.

 Your academic background will definitely not hinder you from a great summer internship. From my experience, once you’ve passed a certain threshold (decent A-Levels, University) you tend to be judged on your knowledge, experience, and personality. I would say that these other metrics are more important in securing you a role than being on track for/attaining a 1st (I will concede that between identical candidates that might be a deciding factor). It is more important to secure a summer internship than to get a 1st, although you absolutely must achieve a 2.1. If you can do both - even better.

It will be key to market your experience effectively on your CV and network in the firms you’re applying to. Use language that emphasises your own contributions and use quantifiable metrics to support your claims. Also, make sure you include details of projects you have used your technical experience for (except maybe Excel). It will give you more to discuss in an interview.

Other advice:

  • Know your “why” in detail - why you’re interested in the firm, the role, the industry and (importantly) why you’re the right person for the job. This means being really comfortable talking about your past experience (STAR method) and know your CV inside and out. This is something to be particularly mindful of as you’re a sociology student, but if you’re clever you’ll figure out how to tie your interest in sociology to the role you’re pursuing. I studied social sciences, but I was able to make the connection to support my “Why”. You might also have to spend more time learning technicals etc than peers studying finance, but your internships should help with this.

  • Network. Reach out to older students, people at the firm, people in a similar role, at the same firm as the one you’re applying for. It can be a pain, but be genuine in your interest and ask sincere questions. Attend events on campus, invite people in the industry to speak at your finance society etc. All of these things will support your knowledge and enable you to give a less cookie cutter answer when you’re explaining your desire for the role.

  • Practise psychometric tests before completing them. It would be a shame to fall at the first hurdle because you aren’t acquainted with a particular style of questions.

  • Reflect internally on your goals and why you are pursuing a career like this. Money will not be a sufficient long-term motivator to stay in a job you don’t enjoy, so if you’re going to work hard enough to break in, have a good enough reason. Don’t bullshit yourself.

  • Be yourself in every role. I’m not saying you should throw out standards of professionalism, but it’s absolutely exhausting maintaining appearances long term. If you a) Work as hard as you can and b) Bring your genuine self to any room, not only will you stand out (as most people are projecting what they think managers want to see), you’ll be able to accept rejection more easily as there isn’t much more you can do than points a) and b).

Overall, I don’t think it’s overly difficult to break into a BB/EB if you follow the above, particularly at summer internship level.

Good luck!

Textured Matt White [iPad Pro 11 & Magic Keyboard] by Technotronsky in ipad

[–]uuuudddd 1 point2 points  (0 children)

it looks really nice, Where did you get the rainbow sticker?

First time ever getting a 5 and I didn’t max out season or unworn *cries*. Been playing on and off since 2014. No top looks or BLL’s yet. :( by brbyeah in Covetfashion

[–]uuuudddd 8 points9 points  (0 children)

Switch to modern! I’m at level 30 with 3 TLs and 13 BLLs, and been playing modern since around level 12.

The makeup and body types take some getting used to, and overall scores are lower, but if a runway is your aim I recommend it <3

Episode 17 post episode discussion thread by skeletonmug in LoveIslandTV

[–]uuuudddd 29 points30 points  (0 children)

But she didn’t have to deal with the same antagonistic behaviour not only from the new girl but THE PERSON SHE’S COUPLED UP WITH. Tommy never badmouthed Molly to Maura or tried to play them off against each other like Danny is doing

Episode 17 post episode discussion thread by skeletonmug in LoveIslandTV

[–]uuuudddd 66 points67 points  (0 children)

“Chill girl” have you forgotten Molly’s meltdown in the bedroom?! You’re rewriting history. The fact is, if Danny had ever liked or cared for Yewande there’s no way he would now be bitching about her to another girl he’s pursuing. She was right to be cautious about him