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Type: Posts; User: WolfiesPapa

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  1. Replies
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    Indeed it does. I have no stake or interest in...

    Indeed it does.

    I have no stake or interest in this, but many members had expressed interest in Vanguard a few weeks back.

    Thatís all really.
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    This just came in from Vanguard: "Hello, We...

    This just came in from Vanguard:

    "Hello,

    We are excited to let you know that the Vanguard Personal Pension, our new low-cost SIPP,*has launched today.

    The Vanguard Personal Pension is now...
  3. Thread: N26 Bank

    by WolfiesPapa
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    Also, I would rather not hijack this N26 thread....

    Also, I would rather not hijack this N26 thread. If there is interest in how credit scores work then happy to elaborate separately.

    Regarding Monzo vs Statling vs Revolution I second what had been...
  4. Thread: N26 Bank

    by WolfiesPapa
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    Thatís not strictly true. Experian might show you that, but they are misleading you if you believe that Experian score equals your credit score. Each bank and credit provider produce their own credit...
  5. Thread: N26 Bank

    by WolfiesPapa
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    No, but you would be in the minority nowadays.

    No, but you would be in the minority nowadays.
  6. Thread: N26 Bank

    by WolfiesPapa
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    N26 Bank

    Not sure about the AmEx part (owning an AmEx credit card could be seen as being a marginally better credit risk as they are more Ďpickyí who to accept - but it would be marginal).

    Having a credit...
  7. Thread: N26 Bank

    by WolfiesPapa
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    I write credit scoring algorithms for a living,...

    I write credit scoring algorithms for a living, so might be able to answer this: one of the best indicators for a credit ratings is past behaviour, i.e. how do / did you behave with credit granted to...
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    Price / value for money I guess? Stowa...

    Price / value for money I guess?

    Stowa Fliegers are about 2x the price of these, Steinhart (to my knowledge) donít offer some of the same features (WR to 10 ATM, heat blues hands)?

    Youíre...
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    Thanks again. Helpful comments and review!

    Thanks again. Helpful comments and review!
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    Thank you! Illuminating review. So in a few...

    Thank you! Illuminating review. So in a few words: the watch is ok, but not great - fair summary?
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    Cheers. Iíll have a look.
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    Dekla Watches - first hand experience?

    Does anyone here have first hand experience with Dekla Watches in Germany - specifically their pilot watches: https://deklawatches.com/en/pilot/42/

    I heard they are extremely competitively priced...
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    Is that the 36mm or 40mm version?

    Is that the 36mm or 40mm version?
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    I second this. Obviously I'm biased as I own...

    I second this. Obviously I'm biased as I own exactly the same model as CardShark. You can pick up a brand new Stowa from Chrono24, they regularly sell their own exhibition pieces, as new, for 20%...
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    Thatís perfect, exactly what I was after. Thank you sir!
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    Techy-nerdy stuff

    Reading the previous Pi-hole related posts with interest...

    Makes me want to tinker with a Raspberry Pi again, after some years of abstinence.

    Problem is that having children, work, other...
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    Changes afoot apparently re tax treatment in...

    Changes afoot apparently re tax treatment in Portugal, might be of interest (from todayís Financial Times): Portugal set to curb tax breaks for wealthy foreigners https://on.ft.com/3aW72Qf
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    That is correct, plus is also some rebalancing...

    That is correct, plus is also some rebalancing every time dividends are paid (if dividends are reinvested in the index), share splits, corporate actions etc. happen.

    Usually those can be neglected...
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    Two points here: First ongoing charges. 0.22%...

    Two points here:

    First ongoing charges. 0.22% per year for this Vsnguard fund sounds about right. Thatís what the fund manager charges. On top of that are platform fees, so if Iím with Interactive...
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    Might be useful:...

    Might be useful: https://www.moneysavingexpert.com/savings/cheap-sipps/
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    Fair point. I havenít had that experience - but it comes all down to the total COST of ownership - if a company scheme is cheaper than the available alternatives, then thatís the best of both worlds!
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    Yes, itís your money (well itís ring-fenced until you reach pension age) so not linked to your employer.

    The advantage of joining the company pension plan tends to be in their contribution...
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    Yes. Iím also no pensions expert, just know enough to be dangerous I guess. But from my own experience, you get Ďtopped upí to basic relief and claim the rest through self-assessment

    Anyone...
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    I generally like to keep one larger pension pot,...

    I generally like to keep one larger pension pot, and manage that as one through my SIPP for a number of reasons:

    Better choice of funds generally than a company pension, the latter tend to have...
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    Yes, purely from a cost perspective. As a rule...

    Yes, purely from a cost perspective.

    As a rule of thumb: invest with your companyís scheme up to the max amount they match - looks like 5% in your case so you receive their matching 5%

    The...
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