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  1. NotAGolf

    Pension fund performance - do you monitor yours, how is it doing, do you actively change it?

    I'd estimate that is better than a decent chunk of the population at that age. :eek::eek::D
  2. NotAGolf

    Pension fund performance - do you monitor yours, how is it doing, do you actively change it?

    Regarding the question about consolidating pensions... Is there a benefit in having multiple pots because you're able to dip into one and leave the others to continue to grow? Or is that irrelevant as you're not 'punished' for dipping into your pension? (Assume a DC scheme). I'm a way off...
  3. NotAGolf

    Do you charge your children "keep" or rent? Do/did you pay it yourself?

    My kids are 4 and 7, so charging them rent might be a tad harsh. My parents didn't charge me rent of any kind when I was at college or uni, nor when I was looking for a job afternoon finishing uni. I think they knew I was saving hard to move out so were OK with it. Had I been dossing around...
  4. NotAGolf

    Rough estimate on extension

    Yes it's detached. We've done our best to measure the 45 degree angle from the neighbours windows either side, and we should be ok to push out the ~3.5m without breaking this rule.
  5. NotAGolf

    Rough estimate on extension

    A couple of people have mentioned specs/finishing standard. I'd say mid-range would be our target. We're not going cheap, but definitely no need for top-end stuff. I'd also be willing to do some of the work myself. Obviously things like plastering and building I'd leave to the pro's, but I'm...
  6. NotAGolf

    Rough estimate on extension

    Thanks for the feedback so far all :) So (12.5x3.5)+(9.5x3.5)*3000 = £231k, plus VAT = £277k. Does that estimate include kitting out the kitchens/bathrooms, or is that literally just the shell? It's extra cost for space that we don't really need, and likely can't afford. Yes, I'd much rather...
  7. NotAGolf

    Rough estimate on extension

    A house has popped up in an area we're keen on moving to. It's quite run down so would need a full renovation and a hefty extension in order for it to work for us. The existing footprint would stay as is, and we'd slap a big two-story extension across the full width at the back. The plans...
  8. NotAGolf

    Pension fund performance - do you monitor yours, how is it doing, do you actively change it?

    I'd be all over that. My employer only puts in 4% :(. I've never worked anywhere with a generous pension.
  9. NotAGolf

    Premium Bonds - If you post to say how much you've won, please also say how much you have invested.

    £575 from 100k. First ever £500 prize! Wife only got £25 on her half of the holding which makes a change as she usually wins more than me.
  10. NotAGolf

    This Business and Moment...

    Sometimes I do, sometimes I can't (e.g. some kind of blocker), sometimes I do some personal development or pickup some random tech debt that I fancy doing instead, sometimes I just have a break and go for a run or some jobs around the house. I'm not complaining, I enjoy the flexibility and the...
  11. NotAGolf

    This Business and Moment...

    What is your role if you don't mind me asking? I'm a senior QA engineer and all your thoughts ring very true to me, especially the fear about it eventually catching up with me! My last role was a bigger team and I was more senior than a lot of the other QAs so spent a lot of time hands off and...
  12. NotAGolf

    Payraise.. how much do you expect? how much did you get?

    2.5%. That's a blanket rise for all, not performance related. Performance-related rise I don't know yet, but I'm pretty sure it will be 0%. They brought in salary bands a year or so ago, and my salary was a couple of bands up from my actual job title. So unless I go for a promotion (which I'm...
  13. NotAGolf

    Pension fund performance - do you monitor yours, how is it doing, do you actively change it?

    I've finally heard back from the people's pension... "We do not allow partial transfers from active pension fund (meaning, you are currently paying into.) We mention the word ‘usually’ as this can apply to some older schemes we used to offer. If you do wish to proceed with a transfer, please...
  14. NotAGolf

    When I was a youngster..

    Biker mice from Mars anyone? Back to the OP's point... My son is 6. He knows how to tell the time and so knows not to leave his room before 7. If he gets up earlier, he reads/draws/plays at his desk until it's time to get up (he's rarely up before 6.30). No TV/tablet in his room so that's not...
  15. NotAGolf

    Sanding wood floor

    That's my 'manly jobs' vacuum. It's been sitting unused in a damp garage for the last 2 years. Didn't flinch after being used for about 6 hours straight. The thing is bomb proof! My electricity bill on the other hand...
  16. NotAGolf

    Sanding wood floor

    Thanks for all the feedback all. I played it safe and went with the orbital sander in the end. It was pretty slow going and quite uncomfortable being hunched over for hours on end, but I'm pleased with the end result. I went right back to the wood and made sure to get all the oil off, so went...
  17. NotAGolf

    Premium Bonds - If you post to say how much you've won, please also say how much you have invested.

    £450 on 100k between me and the missus. Averaging a return of ~3.2% over the last 12 months. Could get a better return in a savings account, but spending the month thinking 'what if?' is probably worth that dent :D
  18. NotAGolf

    Am i overreacting?

    I'd be a bit miffed, but it would depend on context. Did they already have the holiday booked, can they only go at certain times of year, etc. If it was a once in a lifetime trip then you could cut them more slack than if they were just popping to Malaga for a week. I'd be less bothered by...
  19. NotAGolf

    Sanding wood floor

    Thanks for the replies guys. I have just got a new orbital sander for the worktops. I'll time how long it takes to get through them, then work out how long it would take to do the flooring. It sounds like the safest option, so as long as it won't take crazy long, that might be the way forward.
  20. NotAGolf

    Sanding wood floor

    We had some wood flooring put down a smidge over 5 years ago. It's held up pretty well, but the oil is starting to wear thin in a couple of heavy traffic areas, and there's a few minor scuffs/scrapes, so I'd like to sand it down and give it a fresh coat of oil. I was thinking of hiring a floor...
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