NewStats: 3,261,687 , 8,174,781 topics. Date: Friday, 30 May 2025 at 07:01 AM 145n10

Taal17:


Hahaha
Even juniors suppose don become seniors by now.

Nah egg. go turn to cock...... 🥚🐓🤣

justwise:


Create one.

Please do @elengine, so I can ask this question that’s confusing me. I’ve exhausted all my math skills (ittedly not very much) trying to work out whether an SIPP is better than a LISA for investment savings.

Good day all

Please does anyone know of a great childminder within a short distance from North Greenwich station , London
Basically a distance from the O2 that isn’t more than 20 minutes , like Lewisham and the other surrounding areas
Someone who is patience , and diligent and can take care of a baby during working hours 8-6 or 8:30 to 6, 3 days in a week starting end of October

Kindly email [email protected]

Thank you

Goodenoch:


Please do @elengine, so I can ask this question that’s confusing me. I’ve exhausted all my math skills (ittedly not very much) trying to work out whether an SIPP is better than a LISA for investment savings.

Why SIPP...Hope you know they can't access the funds until age 55 or so...Abeg money is best for them when they are young...Thats the best start to life that can be given

Goodenoch:


Please do @elengine, so I can ask this question that’s confusing me. I’ve exhausted all my math skills (ittedly not very much) trying to work out whether an SIPP is better than a LISA for investment savings.

Yes I need to create time to do it. After listening to the podcast by Morgan Housel on whether to buy a house for investment or invest in a SnP 500 companies. So I feel people need to do their math very well before going into real estate. A real life analysis shows that it is a not a good investment options

Lexusgs430:
I hope we're all ready for Keir's speech today, informing us of tax rises....... 😁😊

I always said, I remained hopeful, but not delusional about this regime change....... 😜

People wey no serious they send billions of £ in to sub Sahara Africa in aid but can afford to keep pensioners winter credit ongoing.

Trying so hard to prove to the world you are a wealthy nation while your elderly die in cold winter.

Will never make sense to me.

Goodenoch:


Please do @elengine, so I can ask this question that’s confusing me. I’ve exhausted all my math skills (ittedly not very much) trying to work out whether an SIPP is better than a LISA for investment savings.

LISA and SIPP are different products that is meant to meet a different need. LISA is an ISA to save for your first house or for later in life savings. SIPP on the other hand is a pension that you invest for yourself.

I suspect you are saving for "later in life". If yes, then it depends on you really on what the fund is for.

I will tend towards SIPP. I can then use it to invest in the stock market and watch it grow. But that is a personal preference.

For example, I have a SIPP at the moment with HL and I have invested into a few stocks on the NYSE that have done well over the past one year.

You can also consider a stocks/shares ISA instead.

elengine:


Yes I need to create time to do it. After listening to the podcast by Morgan Housel on whether to buy a house for investment or invest in a SnP 500 companies. So I feel people need to do their math very well before going into real estate. A real life analysis shows that it is a not a good investment options

I can 100% tell you that investing in properties in the UK will give you more returns than S&P 500. What determines which one you do is based on (a) Do you want to own properties and manage it (b) Do you prefer hands free investment etc.

Umeleeds:
Good day all

Please does anyone know of a great childminder within a short distance from North Greenwich station , London
Basically a distance from the O2 that isn’t more than 20 minutes , like Lewisham and the other surrounding areas
Someone who is patience , and diligent and can take care of a baby during working hours 8-6 or 8:30 to 6, 3 days in a week starting end of October

Kindly email [email protected]

Thank you

Put feelers our in your local church/mosque (if you go to one). There would be people who need this type of roles (currently unemployed) who can do this.

lavida001:

People wey no serious they send billions of £ in to sub Sahara Africa in aid but can afford to keep pensioners winter credit ongoing.

Trying so hard to prove to the world you are a wealthy nation while your elderly die in cold winter.

Will never make sense to me.

Lexusgs430:
I hope we're all ready for Keir's speech today, informing us of tax rises....... 😁😊

I always said, I remained hopeful, but not delusional about this regime change....... 😜

Tax rises were smackdab right in the centre of the manifesto. He only committed to not raising NI ,VAT and income tax.

Not many people are surprised by this. I m going about my business jejely.

I the meanstesting of the winter fuel allowance .
(It hasn't been withdrawn,it's now only paid to pensioners who are already on some benefits)

I recognise that this means people who earn even 1 pound over the threshold can fall off a cliffedge. I believe this particular group should receive some form of cushioning payment. But all in all, gone are the days of the stereotypical "poor pensioner".

The state should not be in the business of handing out public money to well off people.

missjekyll:


Tax rises were smackdab right in the centre of the manifesto. He only committed to not raising NI ,VAT and income tax.

Not many people are surprised by this. I m going about my business jejely.

So all they have done so far, was also clearly stated in their manifesto........ 😁🙄

The water ahead, looks very choppy....... 💦😂

Lexusgs430:


So all they have done so far, was also clearly stated in their manifesto........ 😁🙄

The water ahead, looks very choppy....... 💦😂

Where have they deviated? I may have missed it although I m watching with an eagle eye.

Lexusgs430:


So all they have done so far, was also clearly stated in their manifesto........ 😁🙄

The water ahead, looks very choppy....... 💦😂

I listened to the PM live and the vibes on LBC/commentators is bumpy bumpy ahead but God dey. No pain no gain they say.

edmasta01:


Put feelers our in your local church/mosque (if you go to one). There would be people who need this type of roles (currently unemployed) who can do this.

Thank you I will

Good morning All
👋
Please if anyone gets information on a 2 or 1 bedroom flat for rent available to families, and (not a shared space, multiple occupancy ) within south-east London for below £1000 (unfurnished or otherwise)
Kindly let me know please

Hi, my wife is an international student. She failed a module and was asked to resit. Now she has done the resit, the results came out last week and she ed but she hasn’t been awarded a certificate yet. Her student visa expires in second week of September . Can she go ahead and apply for PSW if she hasn’t been awarded a certificate before her visa expires. Thank you

willyede:

Why SIPP...Hope you know they can't access the funds until age 55 or so...Abeg money is best for them when they are young...Thats the best start to life that can be given

Thanks. I'm not talking about children though (I'm guessing you're referring to the Junior SIPP). I'm referring to the standard one.

edmasta01:


LISA and SIPP are different products that is meant to meet a different need. LISA is an ISA to save for your first house or for later in life savings. SIPP on the other hand is a pension that you invest for yourself.

I suspect you are saving for "later in life". If yes, then it depends on you really on what the fund is for.

I will tend towards SIPP. I can then use it to invest in the stock market and watch it grow. But that is a personal preference.

For example, I have a SIPP at the moment with HL and I have invested into a few stocks on the NYSE that have done well over the past one year.

You can also consider a stocks/shares ISA instead.

Thanks! Yes it's not for first time house purchase - it's for later life. You can also invest your LISA in specific funds/bonds, etc (using Moneybox - not sure about other platforms or whether you buy specific stocks, although I have no interest in picking stocks anyway).

My issue is that it appears that the ability to get 40% tax relief plus being able to access it at 55 (57 from 2028) instead of 60 for the LISA makes it a much better option than the LISA's 25% bonus but I'm trying to balance that against the tax downside (it has withdrawal tax unlike the LISA).

Annoying to announceagain that my daughter's port was not processed.

Her application form was returnedby post (wasting our return postal envelope) only to add a stick-it note saying she is to reappear for capturing.

This is annoying anf unacceptable. I am looking to spending nothing less than £500-600 on this trip from Scottish island to London.

Whatever happened to communicating via email?

CheesyTee:
Thanks to everyone, her port was dispatched for delivery yesterday, although the status on NIS page still shows “pending NIN verification” but ultimately, revalidating NIN helped.

Tbh, I doubt if you would find a one bed or two bed for less than 1k in SE London. The least you would get a 1bed (if you are lucky) is around 1250, just forget about 2bed. Most studio apartment are going for 800 to 1k

Umeleeds:
Good morning All
👋
Please if anyone gets information on a 2 or 1 bedroom flat for rent available to families, and (not a shared space, multiple occupancy ) within south-east London for below £1000 (unfurnished or otherwise)
Kindly let me know please

If she ed and she doesn’t owe any fee then she can go ahead and apply.

Tboy0777:
Hi, my wife is an international student. She failed a module and was asked to resit. Now she has done the resit, the results came out last week and she ed but she hasn’t been awarded a certificate yet. Her student visa expires in second week of September . Can she go ahead and apply for PSW if she hasn’t been awarded a certificate before her visa expires. Thank you

Tboy0777:
Hi, my wife is an international student. She failed a module and was asked to resit. Now she has done the resit, the results came out last week and she ed but she hasn’t been awarded a certificate yet. Her student visa expires in second week of September . Can she go ahead and apply for PSW if she hasn’t been awarded a certificate before her visa expires. Thank you

Ask her to confirm with her university's student immigration office/unit first. She can only apply when they tell her they have notified the HO that she has completed her course, but this is something that most universities will usually expedite in situations like hers, when requested.

Lexusgs430:


So all they have done so far, was also clearly stated in their manifesto........ 😁🙄

The water ahead, looks very choppy....... 💦😂

All you Tories, self.
There is no way a major economy as financialised as the UK's economy can be run without European levels of tax o.

Cyberknight:


Ask her to confirm with her university's student immigration office/unit first. She can only apply when they tell her they have notified the HO that she has completed her course, but this is something that most universities will usually expedite in situations like hers, when requested.

Thank you.

AgentXxx:
If she ed and she doesn’t owe any fee then she can go ahead and apply.

Thank you. She ed and doesn’t owe any fee.

Cyberknight:


All you Tories, self.
There is no way a major economy as financialised as the UK's economy can be run without European levels of tax o.

We go all pay this tax together....... 😜😁

Baba Lexus… That toogodtogo na correct 👍🏻 app…

Just came back from picking a healthy food for just £2.33…. A food that costed me £14 last week somewhere else..

I received the bag from the lady at the counter, I asked her if that was mine or someone else’s 😹😹😅 … It felt as if they were cheated 😹😹😹

Hi, this evening while reviewing my finances and bills, i happen to go over my water bill again. Last year 2023/2024, my annual water bill was 657.71, this year 2024/2025 my bill went up to 830.63. We're a family of 3. Myself, My wife and a 1yr child. How we pay this much still baffles me. I live in a 2bedroom. Isn't this too much of a bill for water ?

AKALAMAGBO:
Baba Lexus… That toogodtogo na correct 👍🏻 app…

Just came back from picking a healthy food for just £2.33…. A food that costed me £14 last week somewhere else..

I received the bag from the lady at the counter, I asked her if that was mine or someone else’s 😹😹😅 … It felt as if they were cheated 😹😹😹

Nah so o ...... You would almost feel like you're legally shoplifting......😜😁