u/Professional_Bat_873

So I understand the reasons that a SIPP is better than an S&S LISA for someone who pays more than the standard tax rate currently, at the point of investing, but are there any reasons that a SIPP is more advantageous than a LISA at the point of withdrawel for a higher rate tax payer? Or is the advantage based entirely on the point at which you are adding money into the account? I see a lot about using one vs the other based on your tax bracket, but is this solely on the tax bracket I am in now (standard), or does it matter what tax bracket I will be in when withdrawing the funds too?

Hi all,

So I have been getting UC with the full LCWRA elemenent since July last year. I then applied for ESA as well, partly as I mistakenly thought this was paid on top of UC, rather than alongside id. It's actually deducted from UC pound for pound each month. They have now backpaid me to October for ESA, about 2k, but I was getting the full UC payments that whole time. If i had the ESA from October, my UC would have been around £400 less monthly. I called ESA and they said that it isn't an overpayment as regardless they as a department owe me the backpay.

SO I called UC and was told that it doesn't work like that, and that backpayments "don't count," they simply calculate it monthly and deduct money if you have earnt any from, anywhere else, and therefore I do not owe it back to them either, it will be taken into account next month and that payment will be calculated with the back pay in mind.

I am firstly conerned that this is wrong and I will be chased for it, anyone have anmy ideas?

Secondly, if this is correct, then can they take the full UC amount including the LCWRA portion, or is only the standard portion subject to potential deductions. Obviously if the whole lot can be taken then my UC payment will be £0 (which is totally fair) but i'd like to know as best I can what to expect next month.

For the huge number of you on here (like myself) that make high protein and/or lower calorie creamis, I just wanted to recommend the Myprotein essential whey. It's basically their cheap protein powder with less optimal macros. Because it is less refined, there is slightly less protein in each scoop, but the rest of the macros are mostly fat (I assume dairy fat) which is EXCELLENT in the creami. A serving is supposed to be 25g instead of 30, I think to make it cheaper per serving to the buyer, but I have compared 30g of their standard vanilla impact whey to using 30g of the vanilla essential whey in the same recipe and it does seem to be a better texture, and you save money!

New here! Been lifting for years on and off with a year or so of proper consistency most recently. I train with my fiancé and our split changes around his work schedule. His rota is changing soon to something close to 5 on 5 off. All 12 hour shifts when he is in. Seeing as his rota is 10ish days I’m thinking we could try a power hypertrophy style PPL split to mix things up, with 6 sessions across the 10 days, and fit around that crazy shift pattern. What I’m wondering is, should we put the power of hypertrophy days when he is in work. The power days would be a few exercises shorter, but obviously heavy. I did a little research and some sources said heavy would be more fatiguing, others said the high rep days would be. I’m wondering what other people have experienced

I know most ice cream options need to be frozen for 24 hours ideally, some say as little as 16… but I forgot to make one yesterday for today. Ive only had it about a week, so still very excited by it and really want to use it today ha. I notice it has the milkshake function that I’ve not used. Any tried and tested high protein milkshake ideas, or anything else I need 12 hours or less for.

FYI I have some store bought vanilla ice cream, vanilla protein powder, pre mixed protein shakes in chocolate and vanilla, Greek yogurt, and 200g protein yoghurts in lemon, hazelnut, caramel, and chocolate. I also have various toppings/flavourings I could use such as Oreo’s, biscoff spread, chocolate chips, Nutella, vanilla and almond extract, toffee and white chocolate flavour drops, peanut butter and peanut butter powder, and powdered erythritol.

Sorry that list got long as I realised how much I actually have… anyway, recipe suggestions very welcome!