If you need advice on slip on shoes, just let me know…..
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For some reason Google chrome on my phone keeps suggesting an over 60’s railcard! 4 years yet!
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They don’t put as many Werther’s Originals in a packet as they used to. 
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My new to me Garmin currently has my fitness age at 43. Wish I was actually as fit as I was back then!
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Anyone heard of “quiet quitting”? I’m hearing people recommending it to me a lot. I’ve always cared about things a lot, tried to change them, but increasingly it seems that no one wants me to. Kind of like they expect old guys to be apathetic.
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Yeah, been in the news the last few years. Normally with a “Gen’ ‘whatever’s’ latest trend” type headline.
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Yeah, it was about a few years ago. I think some of it was actually about people not doing the free overtime they’d been doing for a long time, which is kind of fair enough if their wages have been stagnant.
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I think it goes beyond that to reducing effort during the normal working day - starting later, finishing earlier, long lunch breaks, “working” from the park on a sunny day. Testing the limit of how little you can do before someone actually notices 
Obviously much easier in the days of WFH, when it’s not so visible how much time you actually spend at your desk
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I guess I’m thinking - I get the principle as it perhaps was originally applied to work, but applying it to everything.
Hobbies, friends, family, health, finances. Et cetera.
Just stop caring. Let things just wash over, with a “so what?”.
Hmm, possibly one for the rant thread! I was looking to see if my pension statement had been updated yet, it hasn’t so I’ve messaged them.
Then I clicked onto the tab which has the early reduction penalties for the LGPS and they were updated on 1st August, and mean for 10 years early it will be going up/down by .9%, so essentially less cash! although it does look like the lump sum penalty might improve.
At least to counter this a bit the April 26 increase (e.g. Sept 25 CPI) is 3.8%, and is very possibly going to be 3% this year.
Once they get the accurate statement I’m going to ask for a full forecast from 1st June 2027 I think which should show how much of my AVC will be tax free.
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S&S ISAs and saving funds are running at 15%.
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Government bonds are negative for the year, which reflects the spike in yields this year
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We had an out of the blue cash offer for our air bnb ?!
Property again or investments ?
Or just move into the top suite at the Hilton In Pattaya and when it’s all gone .. jump ?!
What say you tri talk ( I’m sober)
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Very much depends on if you need the money in the short or long term, your age, plans to retire/already retired, kids if you have them needing a house deposit, tolerance for risk, etc, etc.
Markets and investments are anyone’s guess just now, could continue to climb against all logic, could crash by 75% depending on which YouTube finance ‘expert’ you listen too.
Safe things would be top up Cash ISA, S&S ISA, SIPP with a money market fund. Longer term… ‘riskier’ funds, trackers, etc. in ISA/SIPP.
Other stuff, take a punt on Premium Bonds.
Depending on the reason for selling Airbnb, why buy another property?
Most importantly, assuming this is spare cash, definitely spend some, take some nice holidays, buy that thing you’ve put off buying, go out for nice dinners, life is short. 
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I’d maybe compare the post-tax income from the AirBnB with the hassle factor of running it.
if the hassle was low, and the % yield exceeded the safe return expected elsewhere, I’d keep it.
(bearing in mind that UK government bond funds like VGOV currently have a yield to maturity of around 5%, so each £100K of Airbnb would have to be yielding >£5K to trump that)
I also might keep it if I thought I’d ever want to live in it again, or had some similar use for it, because the round trip costs of acquiring and disposing of property are quite high.
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And a higher revenue for costs, taxes, property maintenance, interest etc.
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One of my long range dreams / exit plans has been owning 2-4 residential units is some sleepy estuary town or village. Live in one, and manage the others as holiday lets.
Just a pipe dream really & would probably hate it. People can be weird. And sleepy towns can get dull quickly.
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