Member Info for StillGotMortgage

Do similar each year on the 4th and 6th of April with my offset mortgage. Have built up a big ISA buffer for when I get my 25% pension tax free lump or any inheritance comes along.

Don't forget the equipment uses £12-15 a month in electricity (the antenna alone is 100w).
I see Starlink as a benefit for BT - they aren't direct competitors (Starlink will always have limits in urban areas and a limited capacity), but Starlink may take the weight off some of the universal service customers that complain a lot, cost a fortune to service and may just go away once Starlink is established.

Not sure i'd be wanting an RNS today. Today is the day to bury bad news, probably even worse if it's out between christmas and new year.
Better hope it comes first week of january.

.. and the whole point of their negotiation was that you can't take what's there and tweak a bit. You have to be shown to be losing out a lot if you leave. Oven ready was referring to the WA , not the following trade deal.

If it's money for your living arrangements, do not invest it, especially on AIM. Anything can happen between now and next summer - there might be a mighty market correction, the price of gold may crash (likely temporary, but timing).
Just put it in the bank if £1200 is a reasonable amount of money to you and you can't replace it on a whim.
AIM truly is a casino, only gamble what you can afford to lose.

It's really bloody complicated with SIPPS.
Limits on what you can put in (normally £40k per year)
- when you can take it out (55 if you're over 48 now, at least 57 if under 48)
- and also how much it can grow to (55% tax once you pass £1.02m total value of pensions)

All changeable of course, so expect the 25% tax free chunk to go at some point too.

Pension currently works well if you're a top rate earner and likely to be basic rate pensioner (as you get relief at 40% going in but will only pay max 20% coming out). Can still be good for basic rate earner as you get relief at 20% going in and are likely to pay little tax when drawing it out due to the tax free allowance plus the 25% tax free portion. Remember the state pension (£8.5k/yr) counts as taxable too.

If your employer puts in a decent amount, pension generally good for everyone.

ISA is a good idea if you think you'll have saved enough to retire before you can draw the pension, as no limit on when you can withdraw those.

He's out because he disagrees with the raise and how / why it was done, not that there's not a good resource here.

Similar to last time, part of this is to meet margin calls.

Agree re website. Reporting if you have multiple lines is like nails on a blackboard. Took my companies 40 lines elsewhere (we spent £3k a month with them).

Been mortgage free twice - both times before stepping up to a bigger one on a move. Wife was 31 when we cleared the first one - seemed silly when she's planning to work until at least 60. Decided we might as well aim for the house we'll be delighted with. So we moved ... then got bored after 5 years and moved again :)
My GGP are locked in my SIPP, will be 8 years before I can get at them to put something nice in the garage.