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Interesting, I was looking the other day but it was £410 which seemed pretty punchy.
Can't see the discount anywhere.

Thanks. Never heard of Darklight Pro before, how does one get on their whatsapp group?
Not an AOP member but also on Photographer's united. Already got someone seeing it today, may have under priced it!

As per the update on the first post. We are looking for someone to join our shared photographic studio in the Rose Lipman Building, 43 De Beauvoir Rd, N1. We found one of the exitsting photographers on here so I have big hopes. Also potentially open to non photographers looking for a space to use on a regular basis.

You would get dedicated storage space and 4 shoot days a month included, with the option of additional days at a discounted rate. The rent is £340 per month.

You will be sharing with three photographers who have been in the space for over three years. You will have your own keys and flexible access to the building which houses local creative businesses and the amazing Batch Baby coffee shop.

For more details please email us with some info about yourself and how you plan to use the studio to: roselipmanstudio15@gmail.com

• Dedicated secure storage
  
• 4 shoot days per month
  
• 900 sq ft shoot space
  
• Air Conditioning
  
• Dedicated internet
  

Plug now sold, Langster still available.

There have been a few comments on this, but for my 10p worth.

I invest in a low cost global tracker in my ISA and SIPP (such as Vanguard VWRP). I don't plan on using the money for at least 15 years so I invest in 100% equities.

As far as I'm aware, in terms of the general 'fire style' low cost passive global tracker investing, this is considered high risk.

'High Risk' as it's 100% stocks.
'Medium Risk' might be 60-80% stocks
'Low risk' 40-60% stocks.

However, once you leave the world of low cost global trackers, there is a whole world of higher risk. You could invest 100% in S&P 500 and it would be 'higher risk' than above. I'm guessing, but it sounds like @Tenderloin is having a bit of fun in his ISA and is investing in individual companies. This is even higher risk again.

As @howard said if you are going for the first option - Global Tracker ETF then 'mid-low risk' is not going to get you much return and most people would encourage you to go 80-100% equities at your age.

Wtf are you invested in?

Selling two bikes that are now surplus to requirements. Viewing and collection in E10, not going to post them I'm afraid.

1) Red/Chrome Langster steel, size small. Good overall condition but chips in paint etc that I have tried to show in the pictures. Original rear wheel but the front is a well worn wheel that will prob need replacing. The original front was damaged while using it on another bike. Looking for £200 - Price drop £175

2) White Charge Plug size M -with Shimano hydro front brake. 56.5cm effective top tube - seems to match the geometry here. Very much in well used condition cosmetically speaking, but still runs well and I have just bled the front brake. Rear mudguard very handy for winter. Looking for £150 SOLD

I have to say I think that affordable childcare should be available to everyone in the same way that the NHS or schools are not chargeable to people on higher incomes. Not least because the price of childcare is insane. I think '30hrs free' roughly equates to a 35% discount at our nursery.

The fact she is in a single income household changes things, but a lot of people in her position would stick 50K in a pension, get 30 hrs a week per child, 2k more in tax free childcare while at the same time massively reducing the amount of tax going into the system to pay for it all.

Yeah, prob not worth it. I'll look at DIY and compare to these guys for a complete solution.

I am I reading the results right that the 1st junior was 3rd overall?

I'm in Leyton. It's just for 2 or 3 bikes in the basement so 3m might be a bit overkill I guess.

Are you selling the track by any chance?

Catching your 3 min man?

Don’t know where else to post it but I need to vent about all the melts on twitter missing the point about Starmer’s ‘definition’ of working people. I understand that the people leading it know exactly what they are doing, but the replies from people who get £50 a year from a share of their old company and won’t pay any more tax, but appear to think they will, or feel offended that they are not considered working people any more.

He is defining it in the context of the manifesto pledge. Not saying that every person that has a pension, isa or gets shares as part of their income is not a working person.

It’s obviously very nuanced and performative tax increases are counterproductive, but it’s clear (to me) that he is talking about people that max out their isa and pension and then pay comparatively low rates of tax on income from their income from investments. Hard to find a balance, but the number of people who don’t get the basics is mind blowing.

For photography I use Williamson Carson, member of Photographer's United get a discount I think. It's all wrapped up in my kit insurance as well but I don't think it's very expensive.

Think it was Hiscox but now someone else.

Cheers, water continues to trickle into our basement with no rain today so it could be the source.

The house has been basically abandoned and has blocked drains/fucked gutters so although I’m not excited about inevitable renovation now that it has been sold but maybe it will solve the on off damp issues in the basement.

My neighbour’s house is pissing water out of an overflow. I think they have a tank in the loft so I assume it’s coming from that. Reason I care is I think it’s causing the water that’s seeping into my basement.

It’s been sold, but the seller’s son still lives there. Seller is sending a friend round to have a look, any suggestions on what it would be? I’m not convinced the friend will be a qualified plumber.

I have a semi-complete one of these that I need to sell if anyone is interested. Small I think, I need to get it out and photograph it.

Could you elaborate on the context? Do you each own a property and one will be sold and the profit invested into the other one which will become shared?

Anyone got a trading 212 referral they want to share?

Thanks, could be a decent stop gap as my inlaws are staying for 3 weeks so I can't fix it until after that anyway. The doors do have some type of magnetic seal anyway, I think the water is getting out the bottom mainly, as the doors open in and out. There is a upside down V shaped seal along the bottom of the door but it never sits right.

It's probably not on people's radar for a 40K bathroom, but any recommendations for a quadrant shower screen. Our loft bathroom as a 900x800 corner tray and two doors that open out, but they meet badly and leak quite a bit. I have replaced seals etc but it's just a shit design.

I've found ones with sliding doors which I assume would work better, but wanted to see if anyone had experience or a good leak free suggestion.

Something like this with one sliding door seems the best idea to eliminate leaks during showering.

This might be useful to work out the numbers - https://www.pensionbee.com/uk/pension-tax-relief-calculator

Are you calculating what you think you are owed on both workplace and personal contributions?
Workplace contributions could be 'salary sacrifice' or 'net pay' so would not get any relief (but you wouldn't have paid tax on them). So you might only be due the 'extra' 20% back on your personal contributions.

Salary Sacrifice; money removed from your wage before the income tax and national insurance calculations (you keep the NI.)

Net-Pay; money removed from your wage before the income tax, but after the national insurance calculations (you lose the NI.)

Relief-at-source; money removed from your wage after both income tax and national insurance calculations. You get/claim the income tax back afterwards (you lose the NI.)

If you put it in a SIPP or similar, the SIPP provider will have claimed 20% back for you and added it to your total. HMRC will then give you the other 20% back as rebate or offset it against other tax you have to pay.

But if you earn 60k for example and put 20k in a pension, you will get 20% of it added to your SIPP, but only get the extra 20% rebate on the amount over £50,200 that you paid 40% tax on.

I just did a quick google and it was a acquired in 2022 so hopefully if they were going to make any drastic changes they would have done it by now.