Hi, has anybody else had trouble finding a dressing that will stick over their sutures until they come out? I’ve tried melopore and tegaderm but they both come unstuck fairly easily. Thanks in advance for any recommendations! Keeping a tubigrip over the top for now but would love to not have a bandage on top if I can find something sticky enough.
Hi all.
We bought a rural period property in the UK last year and have recently knocked a wall between a bedroom and a hallway to create a larger master bedroom leading to an en suite; there is also a stairway from this room leading up to our double study. Slightly quirky but hopefully will work!
We are going for a dark green (lick green 20) in the bedroom, and love the idea of colour drenching to include the ceiling and woodwork. For the north facing study we’re keen to opt for a terracotta (Farrow and ball red earth) also colour drenched, with some of the antique brass and dark green touches from the bedroom. I considered off white or a mushroom colour in this space but my husband has persuaded me! The bit we’re stuck on is the hallway/stairway. My gut instinct is to consider an off white or similar so this area doesn’t feel dark (no natural light), but with this in mind would we be better opting for white woodwork in the bedroom to carry through? I don’t want to make it feel like it is still 3 separate rooms so had thought about picking it up at the far end of the hallway. We also have wooden shiplap style panelling on one wall in the hallway which would be a big job to remove, but I’m not sure about this being green…all thoughts or advice appreciated!
TLDR: I’d be grateful if someone could reassure me my investment plan is sensible.
Background: I’m 36 years old with a base salary of 62k plus variable commission bonus, my husband is on 165k but contributes heavily to his pension each year to bring his earnings under 100k so we can utilise the government childcare schemes for our 2 young children in nursery. Currently despite being in a fortunate position with regard to our household income, our outgoings are relatively high and our house requires work which hasn’t left much room for ongoing savings - however this is our main focus as soon as possible.
Sadly my mum died when I was 20 and I received a sum of money as early inheritance from my dad. This has sat in an investment portfolio with Evelyn (all contained in an ISA) for the past 15 years with a return of 4.1% on average - my dad’s investments are also with Evelyn. At the start we enlisted the services of an IFA who has continued to benefit from this arrangement, despite providing a fairly poor service(!) to me directly; he has done a fair bit of estate planning for my dad to maximise the tax efficiency of our family situation, and I believe part of this strategy may be further gifts whilst being mindful of the 7 year rule.
I have started to learn more about investments and upon understanding more about global index funds and passive investments, naturally wish to make a transition to maximise the potential of the fund I know I am so lucky to have. Currently without a separate emergency fund it also serves as peace of mind, but the plan is to leave it to compound for the next 20 years and ideally start adding to it as soon as we can. My plan is to set up an account with AJ Bell and opt for one of their global index funds (for example the vanguard global all cap index fund). I’m aware AJ Bell have slightly higher fees than Vanguard, but the element of flexibility and variety of options offered appealed to me for later down the line.
My questions are:
Appreciate this is very long but I’d be so grateful for any advice - it feels like a huge decision but I’m really keen to get it right, and I’m anticipating an uncomfortable conversation with the IFA so would like to have done all my due diligence before proceeding!
Thanks in advance.
TLDR: I’d be grateful if someone could reassure me my investment plan is sensible.
Background: I’m 36 years old with a base salary of 62k plus variable commission bonus, my husband is on 165k but contributes heavily to his pension each year to bring his earnings under 100k so we can utilise the government childcare schemes for our 2 young children in nursery. Currently despite being in a fortunate position with regard to our household income, our outgoings are relatively high and our house requires work which hasn’t left much room for ongoing savings - however this is our main focus as soon as possible.
Sadly my mum died when I was 20 and I received a sum of money as early inheritance from my dad. This has sat in an investment portfolio with Evelyn (all contained in an ISA) for the past 15 years with a return of 4.1% on average - my dad’s investments are also with Evelyn. At the start we enlisted the services of an IFA who has continued to benefit from this arrangement, despite providing a fairly poor service(!) to me directly; he has done a fair bit of estate planning for my dad to maximise the tax efficiency of our family situation, and I believe part of this strategy may be further gifts whilst being mindful of the 7 year rule.
I have started to learn more about investments and upon understanding more about global index funds and passive investments, naturally wish to make a transition to maximise the potential of the fund I know I am so lucky to have. Currently without a separate emergency fund it also serves as peace of mind, but the plan is to leave it to compound for the next 20 years and ideally start adding to it as soon as we can. My plan is to set up an account with AJ Bell and opt for one of their global index funds (for example the vanguard global all cap index fund). I’m aware AJ Bell have slightly higher fees than Vanguard, but the element of flexibility and variety of options offered appealed to me for later down the line.
My questions are:
Appreciate this is very long but I’d be so grateful for any advice - it feels like a huge decision but I’m really keen to get it right, and I’m anticipating an uncomfortable conversation with the IFA so would like to have done all my due diligence before proceeding!
Thanks in advance.