afly

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About afly

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  1. This seems to be a big part of the problem. Just because you earn 100k doesn't mean you have to have a 450k mortgage and run the balance down to 0 every month. Recognise it as good times and trouser a good portion fgs. People in their 40/50's really should know better, it leaves them in such a vulnerable position. We seem to have a massive problem with planning and investing for the future at all levels in this country. Personally we currently have a family of 3 lifestyle that can be supported on about 25k per annum if needs be, less when we clear mortgage. Running a small business for a few years and not having the surety of income that breeds complacency in PAYE employment really focuses the mind for this. I really recommend it because PAYE employment is less secure IMO because you have even less control over it. After 10 years, The Man™ has made me an offer I can't refuse so I'm heading back to him for a few days a week but I'm very much looking at it as an temporary opportunity for shore up our future, not get a Range Rover
  2. Thanks AP Yes I'm looking at HL and can see a £10'ish trade cost + 0.45% charge. But having opened and never funded a LISA with them, I can see that the platform and range of investments is far better than what I have at the moment. I can't even track how my investments have performed with fidelity. I'm hoping to get my biz to make regular contributions of about 1k a month so I would prefer to have the options and support available if poss. Maybe I'll give them a call to set up rather than doing it online so I can be sure it's all by the book
  3. Super basic question for you guys. Can I open and pay into more than one SIPP in a financial year? I have absolutely zero idea why I can only have one ISA/S&S ISA per year so wondering if SIPP is the same? Asking because cavendish/fidelity is proving a bit shitola with its available funds (only funds). I'm not really interested in transferring the SIPP, just want to open a new one
  4. It does seem that young adults are more and more infantilized these days and many of us are willing to behave like it. I have friends who are still at home at 35. That's middle-age territory
  5. afly

    What is the point in this? [test]

    Don't mark this down
  6. Prepare for a 2 hour hard sell on a 1 year warranty
  7. Oz is completely bonkers. I've got a relative over who sells kitchens. Asked me to download a few episodes of 'The block' renovation show People spending $50,000 on fridges, $8,000 on a tap etc. and it's all product placement stuff. He told me normal customers are paying that kind of money for these things w t f australia?
  8. The shameful habit of disposable living must end but asking the boomers to do it is commercial suicide. You might as well ask them to go vegan for a meal or leave the car at home for a day
  9. Everything is taking a spanking. TLT is the only thing keeping my head above water at the minute
  10. Actually to briefly hijack, is subbing to ft worth it? I can get the student sub for about £140 a year. It always seems like they have decent content economic or otherwise
  11. Complete ball ache but Facebook referral usually works. Prefix the ft link with https://www.facebook.com/l.php?u= e.g https://www.facebook.com/l.php?u=https://www.ft.com/content/cf42db68-755e-11e8-b6ad-3823e4384287
  12. It's weird, they are building about 15,000 new houses spread across a couple of the big names in my smallish middle to low income city and yet the asking prices are astronomical. As in, the asking price for a no land 3-4 bed would get you a 4-5 bed in some of the very nicest established areas of the city. Who is going to buy them? I can understand 2000 btl'ers who haven't got the message, 2-3000 desperate htb'ers who have no choice but new builds. But they need to shift 15,000 of these shit boxes
  13. They do have sibanye. The don't have any of the KIID lacking ETFs though
  14. I haven't seen it mentioned so far but I use iweb @ £5 per trade. Very no frills, but I use HL/investing.com if I need stats. The lower fee means I can place lower orders, though I would still probably trade at min £500 as it will be a tenner to buy and sell the trade.