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Maybe it’s just the pension providers I’m with but I’ve never been able to pick individual stocks for a pension. Should I be able to?
Not with a pension that you have with a company like Aviva/Aegon/etc. Those will only allow you to pick from a selection of funds (or cash).
But a SIPP allows you more control, no surrpise given SIPP means Self-Invested Personal Pension.
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Not really, if I was confident I'd be shorting it.
I think a single catastrophic event with BTC is unlikely (e.g. a flaw that renders it useless overnight). A slow gradual decline in price is more likely, which is going to be hard for the 401(k)/SIPP folk.
MSTR has the capacity to halve very quickly if there's any problems.
Also MSTRs wallets must be the most targetted things in cybersecurity right now - any serious fuck up by anyone in the chain and a huge chunk of their assets could be gone in a puff of smoke.
If I was ~30 I'd consider having maybe 20% of my pension in something like that. As I'm 5-10 years away from retirement it's more like 1% or 2% I'd gamble that way. (I am quite risk averse though.)
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I bought one like this https://www.amazon.co.uk/Display-Electrical-Receptacle-Detector-Inspections/dp/B0CZD5PJ7R and it works well enough.
The electricians that did my EICR recently saw it and said "ooh, that looks fancy". Worked well enough to diagnose a few miswired sockets in the house (one L/N swapped and one faulty earth).
Their testing with a ££££ Megger found a few more things that this socket tester didn't find.
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Another lazy arse tree (nothing to do with the current tags): https://maps.app.goo.gl/zRmJEzn4Uv5VMNs68
But all this talk triggered my memory of it having cycled past it many many times.
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only generates income of £45k per year for the whole household (this is the average profit of farms last year).
"Income" and "Profit" are two wildly different things as I'm sure you know. Many businesses (not just farms) with large incomes are run in such a way as to generate as little profit as necessary. All manner of things that non-farmers have to pay for (heating, vehicles, etc) just get paid for by the business side of things.
I don't doubt there are many farms that are just scraping by but that's not the fault of a future change in IHT.
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If I've got to pay IHT on everything over 3 million at 20%, that's 400k I need to find.
That's where the (life) insurance recommendation comes from.
Pass the farm down now before you die.
If you die within 7 years then the £400k IHT is due, but £400k of life insurance cover for someone around age 50 is £20/month. Obviously it'll be higher for those in their 80s. Even if it is £100/mo for someone in their late 60s you can reduce that £400k IHT burden to just £8400 (7 years of £100/mo) of life insurance.
So you pass the farm down early and buy (relatively) cheap life insurance to cover the subsequent IHT bill in case you die before the 7 years are up.
And, obviously doesn't help people who didn't plan ahead like this.
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This is PM1 (although PM2.5 and PM10 are the same) and there's no equivalent behaviour. It's pretty much correlated to whether someone is sat in the room at the time and drops whenever there isn't.
Based on the fact that it dropped down to near base levels even when there were two of us still in the flat I'd expect particulates are more localised and therefore you'd need to move any purifier around rather than just dumping it in one place.
But this is just based on CO2/PM1/PM2.5/PM10 results. Purifiers do other stuff too.
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Not quite air purifiers but one thing I noticed from my CO2 monitors is that the level in my spare bedroom (which I use as an office) remains high even if no-one is in the room but people are asleep in the flat (it's all on one level and no room is more than 2 doors away from every other room).
The levels drop from a high of ~700ppm near midnight (16th 23:59:59) down to ~500ppm whilst we are all asleep (although there's a recalibration at around 4am where it drops 60ppm or so).
But you can clearly see when we went out at about 10am on the 17th (so no-one was left in the flat) and it quickly drops down to the outside base level. Then we come back just before 3pm and it jumps back up again even though no-one was in the spare bedroom.
(The upper trace is an internal sensor, the lower trace is an external sensor.)
I'll see what the particulate sensors measured during the same time frame...
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Argos is my benchmark for this kind of thing.
https://www.argos.co.uk/browse/appliances/microwaves/c:29559/opt/sort:price/
A few there for £55.
(Our microwave, a Panasonic, is at least 23 years old. Mrs GB owned it before I'd even met her.)
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Being discussed in the Tile Bagging thread: https://www.lfgss.com/conversations/322846/newest/
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Showing the ride traces like the example might be a problem, but showing a map with coloured tiles of where I've been may not be, so Squadrats may just have to remove the ability to display traces of other users.
I've only wanted to look at the traces of other uses a couple of times, and that was mostly out of curiousity. I've never "needed" to look at one to see where they accessed the tile as that can be guessed most of the time. JFrance did get a couple of tiles (as have I) thanks to GPS jitter but other people's stats don't bother me (I'm trying to clean up my own data though).
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When was your last eye test/prescription?
The blur/smear from astigmatism should be mostly got rid of with an up to date prescription, or a nice fit from glasses to prevent them slipping to one side.
(I have it even worse as I have bilateral keratoconus plus considerable astigmatisms and the increase in light flare/etc is usually a sign for me that my prescription is changing [again].)
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The BBC must think you're outside the UK as that's what you see when you view the site from overseas.
What mobile provider are you with? Got a VPN setup?
What do you see for your location if you go to https://www.whatismyip.com/ ?
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Had that, and it was covered in huge amounts of dust/damp too.
I did a couple of trips to help my dad go through some of it all and we discussed a plan for dealing with the rest of it with myself and my siblings being able to go through things in case there's stuff we want to keep.
Despite agreeing to this plan he arranged for a house clearance company to come along and clear the loft/shed/garage/etc and then told us after the fact.
There's little point being angry about it as it is gone and there's no way of getting it back but I keep thinking of things that would have been up there that we had no chance to save. Nothing of any real value but lots with significant sentimental value.