Stuart Edwards

@dontdelay Maybe it's selection bias, but these days I think it gets looked at like a luxury product. "My IM takes me to Blenheim for wine tastings" feels exclusive and signals you can accept higher prices without adding utility.

Investment management Should be ‘peer reviewed by reality’ too But people always love a good story over boring asset allocation

@awealthofcs Ben "I'm never going back to the theatre" Carlson - 2021

Project Hail Mary is the kind of movie that reminds you why you love going to the movies

@ScrewderiaF1 @f1trollofficial

HOLY FVCKING LIAR. I just saw this post. He removed my watermark from my original post himself just so he can lie. Look at the missing detail😭x.com/MV33Racing/sta…

@Justin_Cash_1 Ahh the old Matthew McConaughey in Dazed and Confused line of defence

“I might have got it wrong, but I thought when I was talking to the receptionists that was just making them feel comfortable,” he said. “That was perfectly alright when I was 35… by the time I was 60 they thought: ‘creepy old man’.“

@randolpwilliams @AlanJLSmith It's a relative game if you are selling and buying in a similar market/area. Where it stings most is landlords selling rentals that aren't being replaced, those moving overseas, or those who need to use home equity to fund their retirement.

@StuartEdwards @AlanJLSmith We want to sell and escape but feel stuck!

4 interest rate rises ahead - it's going to be a tough year for businesses and home owners with mortgages.

@dollarsanddata Nothing humbles you quite like a random back pain or pulled muscle that you can't remember how it happened

The reason they do this is because they realize (a bit late) that health is the only thing that you can’t buy.

@BillAckman Bootlicker Bill strikes again

A man who follows through on his advice.

@EC2man Get off at Hatton Cross, tap back in, and it's miles cheaper. Not that you ever would, but it's a fun little hack.

It’s so indicative of the spiteful, grasping attitude of TfL that it is now charging a flat fare of £15.50 to take the Elizabeth Line to Heathrow, and also now charging all fares to/from the airport via the Piccadilly line as a peak fare, if you start, finish or go through Zone 1. I can’t think of any other city that behaves like this towards its public transport users.

@JosephineCumbo Yep, incredibly frustrating. There's only so many people we can help.

@StuartEdwards Sadly, it will be the better informed members who jump ship to avoid a 'political pension'. Millions of low earners - who are unengaged - could be left with higher cost pensions, with no guarantee of better returns than they are getting today.

When governments get involved in how your #pension fund is invested success is not just about how well the fund returns for you, but how well it delivers for the economy. This creates trade-offs and tension. Private #pensions are firstly and foremostly about delivering for you.

@juniper_jon Makes sense, if it's a personal contribution you are just bringing down your adjusted net income and just incurring an AA tax charge. You are still making a legitimate pension contribution, but just losing the tax relief which itself is the only 'limit'.

1/ Pension and Tax nerds - I was asked by a client this week about deliberately exceeding their annual allowance, by some margin, to recover their Personal Allowance and retain Free Childcare Hours for children My initial instinct was it wouldn’t work but the more I look into it

@moving_charlie What are your views on Right To Manage? Currently looking at a conversion with three flats with one.

This is what puts so many people off buying leasehold flats. They're not all this bad, but it's hard to know which ones are ok.

@dontdelay @MartinSLewis I've not personally seen it so could be a good explanation e.g their clear mistake, but neither clients intended to follow a "pie" and were surprised. Fortunately was last April so worked in their favour by chance. But need to tread carefully.

@StuartEdwards @MartinSLewis I wondered if this was the business model here. Worrying

Trading 212's 4.68% cash ISA rate (new customers only, no transfers at this rate) is avail via most 3rd party sites eg comparison sites. Go direct & you won't currently get the bonus that pumps it up to 4.68%, so be careful. Rates are changing sometimes by the minute as its ISA season, so always check

@NJM71 @dontdelay "Free money", also known as tax deferral. Remove access to funds for all other life objectives for up to 57 years for a 5% tax benefit. Assuming tax rates aren't higher in 2076 than today.

True or not true - Instagram "financial advice" @dontdelay

@Peston "Havoc". Stop trying to create outrage and drama over a small move.

The Iran war is wreaking havoc with UK government funding costs. The surge in the yield - implicit interest rate - on two and five-year gilts is painful

@TomHCalver @jburnmurdoch Earnings 5 years after graduating are not that relevant. 10-15 yes.

This week's column: choose your university wisely Post-1992 providers have been rapidly expanding business, law and computing courses. Yet the returns for students 5 years after graduating from these courses have, to date, been woeful 1/4

Me talking to Drive to Survive era F1 fans this weekend. #AusGP

@F1_Jordan His break clause was only activated if he was P3 or lower, so no.

A question that I haven’t actually seen anyone ask yet. If you are Max Verstappen, are you now regretting not going to Mercedes while Toto Wolff was rolling out the red carpet for you to do so?