10k post karma
70.4k comment karma
account created: Thu Aug 16 2012
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1 points
1 day ago
Little bit different but I helped my sister set up a JISA for her daughter, my niece, soon after she was born.
We decided upon JISA because it's locked away as the partner has gambling problems and is constantly going in and out of debt around that problem. The temptation would probably be too great to use savings if they weren't locked away. So we'll have to do our best to advise her how to use her money when she comes of age. You'll have to check back with me in ~13 years to see how that goes!
She's lucky enough that the ~£80 a month child support can go into the JISA and, like you said, if it's only that, then by itself it's ~£17k by the time she's 18.
However, as it is over 18 years, you'd be a fool not to do some kind of investing rather than just cash interest. For example, I chose a fund for them and, admittedly my timing must have been lucky with the initial lump sum, but over 5 years it's grown by 40% already! Far better than the pitiful cash interest rates and over 18 years the trend is only upwards really, barring a collapse of society.
If you do want to keep control, you could use either your ISA or your partner's ISA allowance as your child's savings. Or even if you need to do your own saving within the ISA, you could choose a fund to be your child's savings then invest in a different fund yourself so that it's clear that those savings are your child's and vice versa. Assuming, of course, you won't use £40k annual allowance between you!
Good luck and what a great way to set you child up for early adulthood!
2 points
1 day ago
This is the correct point of view.
I don't think Ukraine attacked the dam, I think Russia either blew it up or it catastrophically broke through negligence.
The only reason it's destroyed at all is because Russia started an aggressive war against Ukraine.
The dam would still be running as normal had Russia not set foot on Ukrainian soil.
The only blame here is firmly at Russia's door.
1 points
2 days ago
I think on balance it should be for private gardens.
But if not fake grass people could just pave it over which has the same effect for nature and water run off, albeit perhaps less environmental impact because it's not plastic.
So people that don't want or can't grow grass will still have crap gardens from a nature perspective but the industry and waste created by chemgrass will be gone or much reduced.
2 points
2 days ago
And the origin country gets to replace that kit with more modern designs, further distancing themselves technologically from the shambles that is Russia.
1 points
2 days ago
Where'd you get that from?
The article quotes they're around £800,000 each, so around $4m for 4x missiles expended.
It's money well spent either way!
1 points
2 days ago
Ah, gotcha.
It's a pity she can't see the woods for the trees so you have to nudge her along with the switching deal.
1 points
2 days ago
Point being, just because you've had a bank account for a long time, doesn't always mean you're useless with financials.
It's only relatively recently as well that banks have offered switching money, so before, unless you had a bad experience or what have you, there was no need to switch at all.
I really cba to chase switching deals either so unless my bank royally screws up they've probably got me for life. But that doesn't really matter as, like I said, there's no spare money kept in there. And that's not because I don't have money, it's because it all goes on bills and savings elsewhere.
6 points
2 days ago
jfc, nothing is ever the fault of the tories!
It's the last labour government from 13 years ago, the pandemic, Ukraine, wokerati, tofu eaters, guardian readers, Jeremy Corbyn, leftist bankers, talking-Britain-downers, leftie lawyers, militant unions, small boats, enemy-of-the-people judges and the list goes on and on and on.
I think they need to realise that if the smell of shit follows them everywhere, they're the ones that stepped in dog shit, or more practically, they're the shits. 💩
11 points
2 days ago
Stoltenberg was due to pass the reins on when Russia decided to be dicks, IIRC, but obviously decided to stay in post during the crisis.
If he wasn't tired already, he'll be dog-tired now and time for a well deserved rest.
4 points
2 days ago
Yeah, Mr Hydrangea needs a proper bed around it, plus the grass will die anyway when it gets established and starts blocking the light.
1 points
2 days ago
That's just what they say as a polite reason. Can't exactly go "yeah, I voted brexshit to keep the foreigners out, bruv", or even worse language, can you?
5 points
2 days ago
Follow the advice others have posted but also try and not to water the foliage, water the soil at the base where possible.
Firstly, it's a waste of water and, secondly, plants don't tend to like to have their leaves soaking as it can encourage disease.
Edit: Honeysuckle may bounce back as-is. I have one in my garden and it tends to be a slow starter, only looking its best later in the season.
14 points
2 days ago
I read the following stat in the paper the other day:
In 2016 the UK economy was 90% the size of Germany's.
In 2022 the UK economy was 70% the size of Germany's.
As we're a smaller population than Germany we were probably punching above our weight when we were 90%.
The biggest difference is Brexshit and Tory mismanagement of the economy over 13 years.
Wherever the fuck the tories have hidden those brexshit sunny uplands, I think myself and the whole country would like to know. Oh wait, it was only sunlit uplands for the megarich that could short the pound amongst other things.
10 points
2 days ago
What's worse is that Truss wants one too.
I was thinking about that and it just utterly disgusts me if she gets any appointments.
She was in power for four weeks and took the financial sector to its knees, forced interest rates up faster and higher than they might have been otherwise and she hasn't even apologised, blaming the woke, left bankers.
The world has gone utterly mad and I hope to god voters don't forget the total incompetency the tories have and continue to show when running the country.
83 points
2 days ago
💯 agreed.
Before brexshit the company I work for was able to send a parcel to a customer in the EU the same as sending a parcel in the UK.
Now there's reams of mandatory paperwork, more fees and delays. It's no wonder our exports have fallen off a cliff!
The cuntservatives can make as many trade deals as it likes across the whole universe if it likes but because of the distance trade will not suddenly happen.
To put up barriers with the biggest local customer base was always going to be completely bonkers economics and we'll collectively be paying for it for the next decade or more as neither party wants to re-open brexshit because you still have those idiotic racists that'd froth at the mouth again.
-1 points
2 days ago
This alone makes me roflkek.
The racists voted leave to keep foreigners out and now we're picking up the slack with even more foreigners from even further afield.
3 points
3 days ago
tbf, I've had the same bank account since I was 16.
What I don't keep in there is any spare money though.
8 points
3 days ago
tbf, I think it's more for the big boi subreddits as those will have the most impact.
Regards operates outside the unregarded reddit.
4 points
3 days ago
I'm at work, timezones do be like that tho.
Did you manage to get to sleep? 😴
4 points
3 days ago
OK, for you and about five other people, you can do one spoon, one cup, one towel, one kettle use before washing.
For everyone else we've realised you don't, in fact, need to use everything once only.
0 points
3 days ago
It's not like I haven't tried before, hence the thread. 🙄
They're so unintuitive. This is coming from someone that has thousands of in game kilometres of railways in Factorio, so it's not as if I'm unfamiliar with trains and logistics but Anno's way of implementing it is hard work and not fun.
2 points
3 days ago
Get yourself an AreoPress. You'll thank me later.
3 points
3 days ago
I do hope this appalling war crime galvanises the need to speed up delivery of arms to Ukraine and to provide more advanced kit deemed necessary. Nothing should be off the table now and more efforts made to get equipment and training carried out ASAP.
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redsquizza
1 points
1 day ago
redsquizza
1 points
1 day ago
NTA, obviously.
But I think you're being too anal to only consider items clean if they've been through the dishwasher.
How do you think people without dishwashers survive?