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Well done for having a go. The vast majority, including myself, can never get past inertia.


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But who said interest rates are going down?

If you are going to quote long term returns from the stock market, then equally be aware that interest rates over the same term averaged over the...

I think folks attitude has changed given what happened between 2010-2024, expecting continued high single digit/double digit returns will always be the case.

Given typical reversion to the mean,...

S&P 500 1st September 2000 = 1520

S&P 500 1st February 2013 = 1513

Sometimes a decade to fifteen years is not long enough.

The common rule of asset allocation by age is that you should hold a percentage of stocks that is equal to 100 minus your age.

Not sure what crystal ball an IFA is supposed to have.

How did your high risk bets go?

The weather waited for this opening post!

A beautiful cycling commute, and even at 8am I only needed a light jumper.
...

I haven’t watched, or kept up with this as much as I would like to.

Is it just everyone covering their own arses, or has there been any proper smoking gun moments?

Depends on your age and years to retirement and drawing in the pension.

You want less risk and more certainty the closer you are to taking the money.

Leave high risk strategies to younger...

Don’t forget massive NI saving from salary sacrifice.

My wife is a lower rate tax payer but got over 40% tax relief from income tax, NI and employers NI which her employer kindly donated (not all...

Unless you spend some proper money and get brass internals, the guts of cheaper pumps are now plastic and have a limited life span.

See post #10. Op said there wasn't a sign.

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Move one frame further on Google and you see the same bus stop as the bus pulls away. No signs to be seen.

https://uploads.tapatalk-cdn.com/20240428/cfb5b0c5e80817756e1c2774ed012fb4.jpg

Sign has to be before the bus lane as per Cox Lane example above.

The bus is blocking nothing, otherwise that would be a significant point of appeal, and the fact that the road sign does not...

Unless it is clearly signed a bus lane, it is not a bus lane.

TfL are ruthless. There is no getting away with it. You have either contravened a bus lane and you will be fined, or you haven’t.
...

You’ll be fine. No road signs and no cameras.

This is how they are signed when they don’t want you to drive in the bus lane. They also have cameras monitoring to enforce the fines.

They are...

^^^Maybe too difficult or obscure.

https://www.fuertehoteles.com/en/hotel-fuerte-grazalema/

https://uploads.tapatalk-cdn.com/20240427/782fa61afee8d53d0eda8931f614d647.jpg

I understand the suggestion, errr, lol

Not sure what that has to do with the price of fish.

Looks like it is confirmed now

https://www.bbc.com/sport/football/articles/cn40r131z2no.amp

Puts the £8 billion PPE waste, £3.5 billion wrongly paid out under the furlough scheme and £2 billion fraudulent covid claims in perspective.

Just make sure plebs are pitted against plebs.
...

Plebs do the rich a favour by screwing over their fellow plebs.

And Tbf there are a small amount of very rich people (% wise) who continue to scam, dodge, and undertake shady deals for greed.

The margins are never an acceptable place to measure the cohort by.

https://www.gov.uk/benefit-cap

https://www.gov.uk/benefit-cap/benefit-cap-amounts

Certainly no life of luxury

Sems like you are a little uneasy about tax money supporting a family with...