Ashy (@AshyCompounds) header
Ashy (@AshyCompounds) profile picture

Building wealth through better habits, investing & thinking ⏐ 📈 Road to £1mm - but first £100k ⏐ NFA

United Kingdom
Joined October 2018
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£300 a month into an ISA. The tax-free maths: 1. At 6% over 20 years: about £138,600 2. You paid in £72,000 3. That £66,600 of growth is entirely tax-free In a general account, the dividends and gains above your allowances get taxed every year.
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Replying to @Paul_Hatchwell
I haven’t forgotten anything. I know why it was introduced, but that doesn’t mean it should be permanent Let’s remember who benefitted when our state pensions were lower. The people who were paying for them. Which is current pensioners who are now receiving much larger state pensions themselves And let’s remember who’s paying for that, young workers who will have to wait until 68 (maybe later?) for their own state pensions to start Our state pensions are lower than other European countries because our occupational pensions are higher
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Stamp duty on a primary residence is one of the most counterproductive taxes in Britain. Since April 2025, the first-time buyer threshold dropped from £425k back down to £300k. The result: First-time buyers paid an estimated £408 million in stamp duty in the past year alone, an average of £4,618 more per buyer. Before the change, 62% of homes were stamp duty-free for first-time buyers. That's now down to 41%. You've already paid income tax on the money. You're already struggling with the deposit. Then the government takes another £5k just for having the audacity to buy your first home. Exempt primary residences entirely. Tax second homes, buy-to-lets, and investment properties as heavily as you like. Reward ownership. Don't punish it. Not financial advice - just common sense.
MPs have asked the government to consult on alternatives to stamp duty and consider reforms to the tax, to remove barriers to homeownership. A report said the tax weighed on the affordability of homeownership. 👇 Link to story in comments
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Replying to @SkyNews
WHAT ARE YOU? LOW VALUE HUMAN CAPITAL!
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Lloyds launches a 98% LTV mortgage for first-time buyers and people are screaming “2008 all over again” 😂 Absolute nonsense. In 2008, banks were handing out 120% LTV mortgages on SELF-DECLARED income. Today? ✅ Stress testing ✅ Affordability checks ✅ Regulated lending Completely different world. And here’s the irony: A big deposit protects the BANK more than it protects YOU. Yes, negative equity can happen. But if you’re buying a home to live in long term, short-term price swings are largely irrelevant unless we see a deep, prolonged crash. The real question is simple: Can you comfortably afford the mortgage? Because right now, the biggest barrier to getting on the housing ladder isn’t monthly payments. It’s saving the deposit. Over 62% of people say the deposit is the main obstacle. So why are people attacking products that actually helps first-time buyers buy a home instead of renting forever? We have an accessibility crisis in UK housing. Removing the deposit hurdle is part of the solution.
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After more than three decades of peaceful self-governance, constitutional order, and democratic practice, Somaliland has received its first formal international recognition as a sovereign and independent state. This development affirms an objective reality that has long existed. Somaliland meets the legal, political, and institutional criteria of statehood under international law. — H.E. President @AbdirahmanIrro
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Corporate needs you to find the difference between these pictures. #RSAvARG
Corporate needs you to find the difference in these pictures. #RSAvARG
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My girlfriend is not South African. Sometimes I randomly quiz her on SAn trivia. I asked her "Who is the president of South Africa" She replies, "Siya Kolisi". 100% mark in the test. Nothing wrong here. #Springboks #SouthAfrica
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Recently, #TheMainStagePodcast spent time with the man responsible for building our champ, @dricusduplessis . Coach Niel Geyser speaks about the various aspects of performance, the power of the mind, and the unique benefits of sports. Watch it here: youtube.com/watch?v=vd5KCjzf…
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The saddest of news today. RIP to Jack Karlson, Australia’s single greatest contribution to the world, who has passed away aged 82. His legacy is immortal. Tata and farewell, King.
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This BBC apology is extraordinary... hard to imagine a more damaging 'mistake', especially from an organisation that still refuses to call Hamas 'terrorists.'
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We must free Palestine from Hamas!
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Head of Palestinian Authority, Mahmoud Abbas: “Hamas leaders were the first to flee from Gaza to Sinai hiding in ambulances, leaving their people to be slaughtered” Abbas’ Fatah movement were thrown out from Gaza in 2007 by Hamas. Will they take power?
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The thing here - apart from the that the bit I'm quoting says nothing about ceasefires or demos, and isn't about that - is that many Jewish kids *were* massacred, on October 7th, and no-one - apart from Jews - marched for them.
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We hope we have demonstrated that as Muslims, we can empathise and want a free and independent Palestine. This next to an Israel that feels safe & secure with both people’s seeing their futures linked to each other. Jews matter. Jewish life matters. If Jews feel safe we do!
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I hear the phrase "free Palestine" a lot. I am a Palestinian. I have felt a lot more free since I started to speak my mind frankly on this app. If you want free Palestinians, let us speak freely without fear of reprisals from the wider society and religious institutions.
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I am pro-Palestinian. Some might be surprised by this due to my recent advocacy on @X for Israel, but you shouldn’t be. I am anti-terrorist, not anti-Palestinian. It is not inconsistent to be pro-Israel and pro-Palestinian. And my pro-Palestinian viewpoint is not a new one. My pro-Palestinian perspective began more than 30 years ago when I was introduced to the Palestinian community and their plight in the early 1990s. I have invested millions in helping promote Palestinian economic development and peaceful coexistence. We would do a lot more if we could be confident that the funds would be used productively. The crisis in Gaza is largely due to a failure of leadership. The Palestinians elected Hamas in 2006 after Israel withdrew and evicted 9,000 of its own citizens from their Gazan homes. Israel withdrew from Gaza for peace. It was a small scale test of a two-state solution. Rather than building the Singapore of the Middle East over the last 18 years, Hamas diverted funding to build tunnels, rockets and munitions to wage terror and war in an effort to eliminate Israel and kill Jews. Like the Israelis, the vast majority of Palestinians want peace. They want opportunities for employment so they can earn a living wage to support and educate their families so the next generation can build a better life. They want peace, beauty, happiness, health and prosperity as we all do. All of that would have been possible with Gazan leadership which focused on economic development rather than terrorism. Israel and (most of) the world wanted the Gazan experiment to succeed. Israel simply wanted peace. Israel built a fence and created checkpoints to protect its citizens from suicide bombers and other forms of terror. The Egyptians built a concrete wall at their border with Gaza for the same reasons. The need for a fence and checkpoints is made self-evident by the catastrophic impact on Israel when the fence was breached on Oct. 7th. Hamas is in the business of terrorism. Hamas makes money with grift, corruption, and funding from Israel’s enemies who support Hamas to achieve their own anti-Israel objectives. Hamas and those that support it don’t care about the Palestinians. The Palestinians are simply a tool to implement their anti-Israel and/or anti-Jew objectives. Like other businesses, Hamas has a corporate hierarchy where those at the top make thousands of times more than the ‘workers’ at the bottom. Hamas’ leaders have put aside hundreds of millions and even billions for themselves. Hamas uses their ‘culture’ of terrorism, cash, and other incentives to motivate young, brainwashed —often from youth—, radicalised militants to implement death, torture and destruction. Their ‘success’ at terrorism attracts more funding, amplifies Israel’s response, and the cycle continues. Hamas does not care about the Palestinian people. Hamas knew with certainty how Israel would respond to the torture, rape, beheading, and slaughter of Israeli women, children, seniors and infants on Oct. 7th. Hamas’ plan was to hide out in their tunnels and headquarters built under major hospitals, limit evacuations so that Palestinian citizens are exposed to the inevitable Israeli military response, and then rally the world against Israel in a globally coordinated response as innocent civilians die. Israel has no choice but to destroy Hamas. It cannot allow its survival, as Hamas’ existence remains an existential threat. If ISIS invaded our southern border, we would do the same. We would warn civilians to evacuate and then we would go in and destroy the terrorists. We wouldn’t cease fire until they were obliterated. The whole situation is an incredible tragedy. While I have always hoped for a viable and peaceful two-state solution, the Gaza experiment has been an abject failure. Future efforts for statehood for the Palestinians must learn from this catastrophe. As always, I welcome your input, critiques and rebuttal. What did I get wrong?
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I’m not outwardly recognisable as being Jewish - I don’t wear a kippah on my head or a Star of David around my neck. Yet, I’m about to get the Tube and I feel a sense of dread and anxiety. There is something very wrong going on in this country.
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