Most recent activity
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How do you do, fellow kids?
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Depends if you want to diversify with global bonds or are happy with just UK-only, the UK focussed funds are a decent bit cheaper fee-wise than the global vanguard fund you posted. I tried to do similar and ended up going with an All-world equities tracker + the UK-focused ishares gilts ETF.
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I suspect the number of people who do that “hack” are probably quite small in the grand scheme of things, but they likely do have a tonne of small accounts with <5k in. It’s weird though, the change has made it simultaneously bad for both small and large investors, so I’m not sure what their USP is now. I’ll certainly never use them again after transferring my SIPP out.
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The only thing stopping me from moving from Vanguard is I’m currently invested in the target retirement fund which a lot of places don’t carry because it’s not an ETF. Anyone done a similar DIY solution?
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Underneath the existing units are there tiles? Or is it just the subfloor (concrete).
You should be able to build the units on top of the subfloor and then have the plinth hide the unfinished floor, the only thing to consider is the height difference between current tiles and future floor covering (which might affect how short you trim your plinth and the height you set your units)
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I’ve got under 10 grand in a Vanguard SIPP as I use it to bung in any extra cash year end to bring me under higher rate tax (my workplace pension doesn’t allow contributions like this). The new fee structure is a bit of a kick in the teeth…haven’t found anything else yet to transfer to which is similar for my needs.
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So update:
Spoke with the landscaper tenant last night. Seems a good bloke and once I’d explained I was a bit surprised by it all it was all very friendly.He agrees that cutting trees down should be a last resort and suggested that most of the issues with the garage are down to a historic lack of maintenance and the fact the gutters were until recently all just pouring down into the ground at that corner. So it could not actually be caused by the roots (although the guttering issues may have been caused by the same tree).
Anyway, they’re going to prune it back hard and trim another tree that encroaching towards their fence too (but still on our land). Needed doing anyway and £150 to sort that out and keep the peace seems a good deal to me.
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If it needs to come down I’m going to ask they give us enough of their apples annually so I can make a few pies at least!
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Here you go, it’s not been super well looked after and pruned by the previous owner but we like the shade it provides. Don’t comment on the rest of the garden!
Molly Weaver needs a bit of route planning help through London for her round the UK thing, thought one of you lot might be able to help:
https://www.instagram.com/p/DEpFL-fOcD1/?utm_source=ig_web_copy_link