u/MidKnight_SAO

https://x.com/WutheringMedia/status/1800621919995379935?t=plLmuUW0aSUBTSnInsLegw&s=19

A non defensive and non aggressive "I prefer to listen." Even better if delivered with a smile. Being quiet is totally fine. You don't need to win their approval/validation.

Merry Christmas! 🎄🎁🎉

Care to share a few tales of ridiculous things happening before/during/after performance? :)

I've switched over from Amazon/eBay to Temu for household stuff. Basically the same stocks but at about half the price. Only takes a few more days to arrive from overseas.

The ebb and flow of the crowd

Thank you for sharing this - very interesting!

I'd read this thesis!

Thanks for the path. It's not something one'd like to fiddle around to find when a nuke is hurtling towards them though!

Upvoted. This needs to be high up.

Venetian blinds might help.

Second this! OP should totally check him out.

Invest in yourself to maximise your starting salary upon graduation. Build up solid subject knowledge, diverse extracurricular experience and skills, and a good peer network. Get at least a 2:1 which is what a lot of good graduate job offers are conditional on. While these things don't pay immediately, they will have a much more long lasting impact than say a part time job serving food. (A part time job/ internship that is relevant to your future career would be a big plus though.)

Once graduated, follow the UKPF flowchart and recommended resources. I also suggest getting into investment sooner rather than later, even if you're not investing much. Just put something in a low cost global tracker find in an investment ISA wrapper. The goal is to build up investment knowledge and confidence, as well as a psychological tolerance of market fluctuations. When starting out, investing in something that might fall in value could be very uncomfortable. The idea is to get through that psychologically uncomfortable phase sooner rather than later.

Op do you have twitter? I'd love to follow your work!

If she's paying high rate of income tax then she can claim back some relief from HMRC. Either fill in a self assessment tax return, or give HMRC a call and they'll send a cheque or adjust the tax code to reflect the relief.

If I remember right, target retirement funds have higher fees than the ex UK equity fund, which can place a toll on the returns over a 20 year period. The ex UK equity fund is 100 percent equity, so higher risk, and might be too volatile closer to retirement draw down (too early to worry though, revisit this around 2035-2040). Given the size of the US market, either fund will have a large US exposure. To avoid US altogether you'd have to look for some regional funds. Though I wouldn't worry about fluctuations in the next 2 months in a timescale of 20 years.

Wise and admirable perspective

Aww he's so precious! Must protecc!!

This is amazing and very London in scenery and in weather!

Oh look, a bike version of the "guy looking back" meme!

Op, beware that if you close your oldest bank account it can reduce your credit score. Better to just open a new account while keeping the old one open, even if you don't use the old one much.

Didn't know about this, thank you for sharing!

Happy December!

Not an answer but providing some quantification for the question. Quoting Credit Suisse's Global Wealth Report, "a person needed net assets of just USD 8,360 to be among the wealthiest half of world citizens at end-2021. However, USD 138,346 was required to be a member of the top 10% of global wealth holders, and USD 1,146,685 to belong to the top 1%.... the minimum wealth requirement in 2020 was USD 1,073,686, so the threshold for membership of this elite group is rising rapidly."

The question is not how long it is reasonable, but how long this particular buyer is willing to wait, and how quickly they may find a better alternative on the market and call it quits on your sale. I'd keep them updated on your progress and let them know you're actively viewing/bidding. Showing that you're a motivated seller helps to keep your buyers on board.