Finance I Football I Family Friendly financial tips
Rochester, UK
Joined January 2009
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A doctor will say that you can’t match his/her expertise by reading up on google, but the same doctor thinks they can plan their financial life by reading up on google or twitter.
This is applicable to all professionals who plan finances on one hour research in the evening.
Come on @ReadingFC , got mine and my sons tickets and meeting up with Charlton supporting brother and nephew. We love a pre season friendly so let's hope it goes ahead.
🚨Understand that the Charlton Athletic pre-season friendly at the Select Car Leasing Stadium is likely to be cancelled - still no official confirmation from the club, but sources close to the club have confirmed as such.
#readingfc #cafc
In the same day in London in two separate places I saw shoplifting.
First in Greggs, spent time choosing, looking through the fridges chose what he wanted then walked out.
Second in M&S. Guy putting three packets of croissants into his coat.
The narrative is a bit off here.
Employees do not use salsac to "avoid NI contributions", the scheme is an automatic, fuss free way for employees and employers to fund future self.
Narrative matters Paul.
The restrictions on salary sacrifice will affect 3.3m employees who use the scheme to avoid national insurance contributions on the money they put into a pension bit.ly/48pjqbc never introduced by Parliament it has been developed as a cunning ruse set to cost 8bn a year
Wealth is what you don't spend.
Let that sink in.
Rich in income, spend it all, not wealthy.
@morganhousel
Where does one start as a regulated financial planner on some of these "facts"?
Me: I earn £100k
HMRC: That’s nice, we’ll take £45k
Me: I bought a car
HMRC: VAT applied
Me: I want to gift my kid £5k
HMRC: Taxed
Me: I made money from crypto
HMRC: You mean we made money
Me: I made £50 profit on Vinted
HMRC: That’s income. Tax it
Me: I bought a house
HMRC: Stamp duty please
Me: I want to retire
HMRC: Pay tax on your pension
Walking around London this week is real-time Frogger.
Dodging cars, bikes, scooters and lost tourists.
A message for @MillwallFC My father in law is 75 today and will be at the game, as he always is, with a renewed vow that this will be the year.
His name is Michael Toner.
A shout out would be awesome! Thanks.
The markets don't care about your "risk profile questionnaire" results. They only care about what you actually do when they drop by 30%
open.substack.com/pub/dfbwea…
Today's newsletter:
The £700,000 gift: Why smart parents are starting their children's financial journey before they can walk
open.substack.com/pub/dfbwea…
Quick question: Would you rather be told WHAT to do with your money, or understand WHY you're not already doing it?
The difference between financial advice and financial coaching might surprise you.
open.substack.com/pub/dfbwea…
Thinking of moving abroad?
With the UK seemingly in a state of perpetual churn, more professionals are asking: “Should I move abroad?” Dubai, Italy, the US, Singapore, the destinations may differ, but the financial questions are the same.
open.substack.com/pub/dfbwea…
When I left the corporate world in 2022 to start a financial planning business, I thought clients would just… appear.
They didn’t.
open.substack.com/pub/dfbwea…