Well that's it - Notice at work ✅, Pension Forms completed and posted today ✅. Roll on January to hand in the work laptop and pass.
Time will tell if I have/had enough FI saved but RE done (2 out of 4 ain't bad 😄)
Planning on a week away and my normal temporary feeder (son) is also away!!
I've a single common goldfish ~20 year old and about 9" in length (it had a stunted growth prior to it coming to live with me) in a tank with a couple of shrimp! Normally fed on Hikari Saki Purple with some flakes or Bug Bites every now and then.
I plan on doing a partial water change the day before I go but wondering how best to feed? I've used the fluval Holiday/Weekend food before but that was just a couple of days.
I am in the UK if that matters with food/product selections/recommendations, but does anyone have any recommendations on what's the best approach to ensure that my OAP fish is still happy on my return?
No AirPods inside.
Whilst out on a bike ride today came across a case in the road that’s had a few near misses from vehicles given some of the rubber scuffs on it!
I’ve used identity item on my phone and no message from original owner. The case still charges and the lid still opens and closes (just about). It was flat (no charge) when I found it but given where it was cannot imagine it’s been there that long without being squashed or found by someone else.
Is there anything else I can do to try identify the owner to return it?
Turned it on this morning and was welcomed to frantic beeping and a message - hit reset and it was fine? Printed just fine as well afterwards.
Backstory - handicap unofficially is 20.4 from a golf society I play in usually 8 times a year, been playing 10-15 years with some irons (Ping g15) I swapped for a monitor a hybrid 5w that I found stuck out of a bin and a RBZ driver. Never had a 3 wood historically but I changed clubs for a Costco set of Calaway Edge clubs. I can hit every club decently except my 3 wood!!
3 wood tends to start straight and slice right every time or I’ll knob it right straight away doesn’t matter if tee’d up or on the fairway/rough - it’s now annoying me to the point of considering leaving the thing out of the bag.
Any ideas? Things to try considering driver is pretty straight as is the hybrid 5w.
Background - Due to retire Q1 2027 at 56 ish. I’ve 74000 across 2 premium bond accounts currently seeing 1.3% return in 2026 but I’ve had a £50K win before. I’ve historically treated them as my emergency funds account with just short of 18mths projected retirement annual spend requirement secured.
When I retire I’ve immediate access to a deferred DB pension and a DC pension that I am currently salary sacrifice into (approx pot today £130k). Should note that I am paying £60-70k into the DC and company also paying approx £15k so I am using previous allowances from the last 3 years.
A colleague has suggested that my PB return rates are rubbish and I’d be better opening a SIPP and moving a good chunk of my premium bonds into there?
I’ve already maxed out ISA allowances, have a short term GILT ladder and cash in taxable savings accounts.
Thoughts, benefits (other than yes I should see a greater rate of return).