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    Originally posted by Raoul Duke III View Post
    Eagle in Worldle today. Correctly identified the stretch of land and then it could only be one of two.
    Birdie for me

    Comment


      Originally posted by Lazare View Post

      I'm terrible at it. I was about 300km away from it on guess 3 yesterday and busted out. Was never guessing Guyana.
      I managed to guess French Guiana and still lost
      ﴾͡๏̯͡๏﴿

      Comment


        Originally posted by Micknail View Post

        I managed to guess French Guiana and still lost
        likewise!

        Comment


          Ronnie was ahead of his time.


          Its a funny old Wordle.

          Comment


            Originally posted by Micknail View Post

            I managed to guess French Guiana and still lost
            I only knew it because Guyana is part of the West Indies for cricketing purposes
            "We are not Europeans. Those people on the continent are freaks."

            Comment


              Cheltenham 2022 Tipping Comp now open for entries. Note the ADDED JUICE.

              Hopefully Elbows won't be a bollix this year.

              Standard discount applies for early entrants so book early to avail of this once-off offer.
              "We are not Europeans. Those people on the continent are freaks."

              Comment


                Went to the GP today for a check up, and the results of the blood tests I had done last week. First time ever that he was really happy with them, and his advice was to 'keep doing whatever you are doing'.
                “Blessed are the forgetful, for they get the better even of their blunders.”

                Comment


                  Originally posted by ComradeCollie View Post
                  Went to the GP today for a check up, and the results of the blood tests I had done last week. First time ever that he was really happy with them, and his advice was to 'keep doing whatever you are doing'.
                  Should we all be 5 a day mastubaters now Father ?

                  Comment


                    Originally posted by Solksjaer! View Post

                    Should we all be 5 a day mastubaters now Father ?
                    It's possible that cutting down to once a day has improved some of my some of my vitamin levels
                    “Blessed are the forgetful, for they get the better even of their blunders.”

                    Comment


                      Originally posted by Raoul Duke III View Post
                      Cheltenham 2022 Tipping Comp now open for entries. Note the ADDED JUICE.

                      Hopefully Elbows won't be a bollix this year.

                      Standard discount applies for early entrants so book early to avail of this once-off offer.
                      Currently studying juvenile hurdle form for
                      the next Jeff Kidder. I’ll let you know if I find it
                      His rival it seems, had broken his dreams,By stealing the girl of his fancy.Her name was Magill, and she called herself Lil,But everyone knew her as Nancy.

                      Comment


                        Originally posted by dobby View Post

                        I'm working the following morning so wont be a mad one by any means for myself. You can go and not get wrecked like lol
                        Whats the point in that?
                        People say I should be more humble I hope they understand, they don't listen when you mumble
                        Get a shiny metal Revolut card! And a free tenner!
                        https://revolut.com/referral/jamesb8!G10D21

                        Comment


                          Originally posted by Dice75 View Post

                          Things come in 3 - do euromilly for later
                          Fuses blew in house last night, somehow fucked up network connection on just about every device in the house.
                          Only got everything back an hour or so ago.

                          Hopefully that's the three done.
                          People say I should be more humble I hope they understand, they don't listen when you mumble
                          Get a shiny metal Revolut card! And a free tenner!
                          https://revolut.com/referral/jamesb8!G10D21

                          Comment


                            Originally posted by DeadParrot View Post

                            Whats the point in that?
                            Night out with the lads and being a little tired the next day. Or you could just stay at home like a big Mary.

                            Comment


                              Originally posted by dobby View Post

                              Night out with the lads and being a little tired the next day. Or you could just stay at home like a big Mary.
                              Tell me you haven't hit your forties yet without telling me you haven't hit your forties yet.
                              I hold silver in tit for tat, and I love you for that

                              Comment


                                Originally posted by Lazare View Post

                                Tell me you haven't hit your forties yet without telling me you haven't hit your forties yet.
                                In fairness, I said he could go out and not get wrecked but he seems to think its pointless to go out and not get wrecked. The problem here isnt age related

                                Comment


                                  Originally posted by dobby View Post

                                  In fairness, I said he could go out and not get wrecked but he seems to think its pointless to go out and not get wrecked. The problem here isnt age related
                                  Ha, true. You'd think it's wiser you get, but no.
                                  I hold silver in tit for tat, and I love you for that

                                  Comment


                                    Originally posted by dobby View Post

                                    In fairness, I said he could go out and not get wrecked but he seems to think its pointless to go out and not get wrecked. The problem here isnt age related
                                    They are not mutually exclusive when you hit your 50s anyway.

                                    Comment


                                      Absolutely wild on Tibradden earlier..50km p/h wind with lashing rain..just did a 2 hour hike... rain was stinging the face offf me on the way back ..had the head down with the hood pulled low to keep it out. Waterproof jacket did just that..great piece of kit. New trail shoes are the business with decent traction. Need proper waterproof trousers...the golf ones I have were just utterly soaked.

                                      Unsurprisingly had the mountain to myself bar a couple I met on their way down as I was starting out.

                                      Comment


                                        Originally posted by Solksjaer! View Post

                                        They are not mutually exclusive when you hit your 50s anyway.
                                        If you come we can get preferential treatment and say we are your care team

                                        Comment


                                          Originally posted by dinekes View Post
                                          Absolutely wild on Tibradden earlier..50km p/h wind with lashing rain..just did a 2 hour hike... rain was stinging the face offf me on the way back ..had the head down with the hood pulled low to keep it out. Waterproof jacket did just that..great piece of kit. New trail shoes are the business with decent traction. Need proper waterproof trousers...the golf ones I have were just utterly soaked.

                                          Unsurprisingly had the mountain to myself bar a couple I met on their way down as I was starting out.
                                          Class. Perfect day for it. Its days like today I miss living in Killarney and getting up Torc. The peace of it all and it was always very refreshing in that weather.

                                          Comment


                                            Originally posted by dobby View Post

                                            If you come we can get preferential treatment and say we are your care team
                                            You mean my DON'T CARE team.

                                            I can run with the best its the next day i need some coke .

                                            Comment


                                              Originally posted by dinekes View Post
                                              Absolutely wild on Tibradden earlier..50km p/h wind with lashing rain..just did a 2 hour hike... rain was stinging the face offf me on the way back ..had the head down with the hood pulled low to keep it out. Waterproof jacket did just that..great piece of kit. New trail shoes are the business with decent traction. Need proper waterproof trousers...the golf ones I have were just utterly soaked.

                                              Unsurprisingly had the mountain to myself bar a couple I met on their way down as I was starting out.
                                              Sounds great . You can do the whole mountain survival course thing for 30 quid but id say you are experienced.

                                              We went up Lug last year and suddenly the clouds came down at the top . Zero visibility. . The brother took out the compass. This way...

                                              Comment


                                                Originally posted by Keane View Post

                                                Might be worth asking about the breakage fee on the fixed if you're going to make that big a saving on interest rate - it might be worth it.
                                                No fee as there's only a few months remaining. Now I just have to get the finger out before the ECB or banks decide to jack up the rates!

                                                Comment


                                                  Originally posted by DeadParrot View Post
                                                  Offer 1:

                                                  End date 10/06/2022
                                                  Statutory + 2 months ex gratia
                                                  if end date moves .5 month ex gratia per month extra
                                                  I must have cursed a god or something.
                                                  Just off a company zoom.
                                                  Receivers in
                                                  People say I should be more humble I hope they understand, they don't listen when you mumble
                                                  Get a shiny metal Revolut card! And a free tenner!
                                                  https://revolut.com/referral/jamesb8!G10D21

                                                  Comment


                                                    [QUOTE=Solksjaer!;n1713327]

                                                    Sounds great . You can do the whole mountain survival course thing for 30 quid but id say you are experienced.

                                                    We went up Lug last year and suddenly the clouds came down at the top . Zero visibility. . The brother took out the compass. This way...

                                                    id be lost in that situation I'd say Solks I just stick to the trails mostly and take the odd foray through woods and gorse.

                                                    Havent done any courses yet in fairness. Going to do a mountain skills course when I can match days off with the lad who does the course. It's the mountain skills 1 course €140 for 2 days and 6 people. Seemed a reasonable price.

                                                    Today was a bit harsh weather wise as no break in it at all but still feel fantastic after it. Really is great excercise body and mind.




                                                    .


                                                    Comment


                                                      I see I managed to outpredict the president of the united states on russia's likelihood of invasion
                                                      "We're not f*cking Burundi" - Big Phil

                                                      Comment


                                                        Originally posted by DeadParrot View Post

                                                        I must have cursed a god or something.
                                                        Just off a company zoom.
                                                        Receivers in
                                                        yikes. what does that mean?
                                                        "We're not f*cking Burundi" - Big Phil

                                                        Comment


                                                          Originally posted by Hitchhiker's Guide To... View Post

                                                          yikes. what does that mean?
                                                          DP needs a new job
                                                          "We are not Europeans. Those people on the continent are freaks."

                                                          Comment


                                                            Hitch et al., off to Rome tomorrow with the kids. we all have our covid pass apps except the youngest, who although vaccinated twice, hasn't got the app as it's just been made available for under 16s, and his identity has still not been confirmed, which means he can't use it yet. Just wondering how strict they were in Italy, and if the vaccination card he was given might suffice? i know in France it would be a categorical no, but italy seems to allow paper documents. what was your experience out there like?

                                                            Comment


                                                              Originally posted by Hitchhiker's Guide To... View Post

                                                              yikes. what does that mean?
                                                              KPMG now running the show.

                                                              Chunk of people put the door immediate effect. Company not paying redundancy need to apply from govt fund, no holidays or month to date salary.
                                                              So long, thanks for the cheese.

                                                              People the company needs in order to perform an orderly run off of the business (like me) won't get statutory from company, they'll need to go to govt as above. They will however be incentivized to stay with previously promised amounts. Holidays etc will be honoured. Riches will rain down on the true believers.


                                                              Or you could get what's in the mystery box
                                                              ​​​​​​
                                                              ​​​
                                                              ​​
                                                              Originally posted by Raoul Duke III View Post

                                                              DP needs a new job
                                                              Mostly this.
                                                              People say I should be more humble I hope they understand, they don't listen when you mumble
                                                              Get a shiny metal Revolut card! And a free tenner!
                                                              https://revolut.com/referral/jamesb8!G10D21

                                                              Comment


                                                                Originally posted by DeadParrot View Post

                                                                KPMG now running the show.

                                                                Chunk of people put the door immediate effect. Company not paying redundancy need to apply from govt fund, no holidays or month to date salary.
                                                                So long, thanks for the cheese.

                                                                People the company needs in order to perform an orderly run off of the business (like me) won't get statutory from company, they'll need to go to govt as above. They will however be incentivized to stay with previously promised amounts. Holidays etc will be honoured. Riches will rain down on the true believers.


                                                                Or you could get what's in the mystery box
                                                                ​​​​​​
                                                                ​​​Mostly this.
                                                                At least you'll be negotiating with professionals now so if you truly have the keys to the corporate secrets of Fatima, then they will come to terms.

                                                                Have that conversation as soon as possible, demand shit loads (like something totally unreasonable) as your opening position.
                                                                "We are not Europeans. Those people on the continent are freaks."

                                                                Comment


                                                                  I don't quite understand how the company can't afford to pay statutory but can afford incentives ex gratia to stay.
                                                                  One of these things seems not like the other and I need convincing that it's not just a pile of smoke.
                                                                  Have requested Friday pow wow. Let's see what happens
                                                                  People say I should be more humble I hope they understand, they don't listen when you mumble
                                                                  Get a shiny metal Revolut card! And a free tenner!
                                                                  https://revolut.com/referral/jamesb8!G10D21

                                                                  Comment


                                                                    I forgot TV3 existed until I tried to turn on the CL tonight.

                                                                    Comment


                                                                      Originally posted by Hectorjelly View Post
                                                                      I forgot TV3 existed until I tried to turn on the CL tonight.
                                                                      I still get lost trying to find it on the odd time I use the Irish channels and it's been a while since they changed to virgin media.

                                                                      Comment


                                                                        Originally posted by DeadParrot View Post
                                                                        I don't quite understand how the company can't afford to pay statutory but can afford incentives ex gratia to stay.
                                                                        One of these things seems not like the other and I need convincing that it's not just a pile of smoke.
                                                                        Have requested Friday pow wow. Let's see what happens
                                                                        I guess it counts as different pots of money. Statutory is avoidable, while incentives come out of the 'keeping the company alive' pot. All a bit slimy obviously, but ...

                                                                        Jaysus, this is some stress. Keep well DP.
                                                                        "We're not f*cking Burundi" - Big Phil

                                                                        Comment


                                                                          Originally posted by shrapnel View Post
                                                                          Hitch et al., off to Rome tomorrow with the kids. we all have our covid pass apps except the youngest, who although vaccinated twice, hasn't got the app as it's just been made available for under 16s, and his identity has still not been confirmed, which means he can't use it yet. Just wondering how strict they were in Italy, and if the vaccination card he was given might suffice? i know in France it would be a categorical no, but italy seems to allow paper documents. what was your experience out there like?
                                                                          If you have the QR code, but just no access to the UK app, could you not just pop his cert on the Irish or French covid app - you don't have to be a citizen to use those national apps. They all read QR codes the same way, and I've used mine on the French, Irish, Italian apps. But maybe the issue is that you don't have the QR code? Thats a bit of a massive oversight by the Brits tbh, given 12+ need these. tbh the certs was checked absolutely everywhere, unfortunately. Except in the airport, where you would expect it to be checked most. Paper should be grand, saw a few people using paper over there.
                                                                          "We're not f*cking Burundi" - Big Phil

                                                                          Comment


                                                                            As im a novice at having my own set of bins, am I right in thinking you don't put out bins if there's a storm coming overnight that might blow your bin into the next neighbourhood. As I write this, I feel I've worked out the correct answer.
                                                                            "We're not f*cking Burundi" - Big Phil

                                                                            Comment


                                                                              DP how is the kid ?

                                                                              Comment


                                                                                Originally posted by Hitchhiker's Guide To... View Post
                                                                                As im a novice at having my own set of bins, am I right in thinking you don't put out bins if there's a storm coming overnight that might blow your bin into the next neighbourhood. As I write this, I feel I've worked out the correct answer.
                                                                                Stick a couple of cats in to weight it down

                                                                                Comment


                                                                                  Originally posted by Hitchhiker's Guide To... View Post

                                                                                  If you have the QR code, but just no access to the UK app, could you not just pop his cert on the Irish or French covid app - you don't have to be a citizen to use those national apps. They all read QR codes the same way, and I've used mine on the French, Irish, Italian apps. But maybe the issue is that you don't have the QR code? Thats a bit of a massive oversight by the Brits tbh, given 12+ need these. tbh the certs was checked absolutely everywhere, unfortunately. Except in the airport, where you would expect it to be checked most. Paper should be grand, saw a few people using paper over there.
                                                                                  That's the issue. No qr code. Just a paper vaccination certificate. At least if we can get in to the country, he can stay in the airbnb whilst we visit the place

                                                                                  Comment


                                                                                    Originally posted by Hitchhiker's Guide To... View Post
                                                                                    As im a novice at having my own set of bins, am I right in thinking you don't put out bins if there's a storm coming overnight that might blow your bin into the next neighbourhood. As I write this, I feel I've worked out the correct answer.
                                                                                    Since when were 30km/h winds considered a storm? That yellow warning ( don't eat the yellow snow )from met eireann was only valid up till closing time tonight.
                                                                                    “Blessed are the forgetful, for they get the better even of their blunders.”

                                                                                    Comment


                                                                                      Originally posted by ComradeCollie View Post

                                                                                      Since when were 30km/h winds considered a storm? That yellow warning ( don't eat the yellow snow )from met eireann was only valid up till closing time tonight.
                                                                                      Was pretty awful earlier, just assumed there would be more nastiness tonight!
                                                                                      "We're not f*cking Burundi" - Big Phil

                                                                                      Comment


                                                                                        Originally posted by Hitchhiker's Guide To... View Post
                                                                                        As im a novice at having my own set of bins, am I right in thinking you don't put out bins if there's a storm coming overnight that might blow your bin into the next neighbourhood. As I write this, I feel I've worked out the correct answer.
                                                                                        Well if you're putting them out, presumably they're full, so they shouldnt move due to weight. If you're unsure can you put them beside a wall or something.

                                                                                        I see all the bins here this morning were lying down after collection so wp our bin men. Unless you have novice bin men, they'll be grand.

                                                                                        Also, storm. Heh.

                                                                                        Comment


                                                                                          Originally posted by ComradeCollie View Post

                                                                                          Since when were 30km/h winds considered a storm? That yellow warning ( don't eat the yellow snow )from met eireann was only valid up till closing time tonight.
                                                                                          I did get laughed at by my American colleague (who is a part time fireman) when I explained I hadn't gone into the office today, essentially on account of some light winds and the chance of a shower.
                                                                                          "We are not Europeans. Those people on the continent are freaks."

                                                                                          Comment


                                                                                            Originally posted by DeadParrot View Post
                                                                                            I don't quite understand how the company can't afford to pay statutory but can afford incentives ex gratia to stay.
                                                                                            One of these things seems not like the other and I need convincing that it's not just a pile of smoke.
                                                                                            Have requested Friday pow wow. Let's see what happens
                                                                                            Bummer dude. Imagine if some critical IT stuff you control happened to go belly up, for some unknown reason, and they really needed you to give them a dig out to keep the show on the road. That could put you in a better spot maybe on the off chance it might happen.
                                                                                            Happiness is not a goal; it is a by-product. ~Eleanor Roosevelt

                                                                                            Comment


                                                                                              so, what's the plan for the 4th of March HH?
                                                                                              "We are not Europeans. Those people on the continent are freaks."

                                                                                              Comment


                                                                                                Originally posted by Raoul Duke III View Post
                                                                                                so, what's the plan for the 4th of March HH?
                                                                                                Let's just hope it's not set in stone.
                                                                                                “Blessed are the forgetful, for they get the better even of their blunders.”

                                                                                                Comment


                                                                                                  Originally posted by ComradeCollie View Post

                                                                                                  Let's just hope it's not set in stone.
                                                                                                  I want some kind of detailed itinerary.
                                                                                                  "We are not Europeans. Those people on the continent are freaks."

                                                                                                  Comment


                                                                                                    Originally posted by Raoul Duke III View Post

                                                                                                    I want some kind of detailed itinerary.
                                                                                                    Oh jaysus. I assumed you were making the plan and delegating communication duties to him

                                                                                                    Comment


                                                                                                      Originally posted by Hitchhiker's Guide To... View Post

                                                                                                      Was pretty awful earlier, just assumed there would be more nastiness tonight!
                                                                                                      In general though, it's only the green/recycling bin that will blow over(because it's so lite) . I wouldn't worry about the other ones.
                                                                                                      “Blessed are the forgetful, for they get the better even of their blunders.”

                                                                                                      Comment


                                                                                                        Originally posted by Raoul Duke III View Post
                                                                                                        An ex-colleague of mine sent me a job description.

                                                                                                        It requires:



                                                                                                        What is the impact space? How will I know it when I get there? Does V live there?

                                                                                                        So many questions...
                                                                                                        Did they mean impact investing perhaps? As in ESG/RI stuff with knobs on.

                                                                                                        ‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan

                                                                                                        Comment


                                                                                                          Originally posted by Raoul Duke III View Post

                                                                                                          I want some kind of detailed itinerary.
                                                                                                          Not sure you can handle a proper hitch itinerary tbh

                                                                                                          Comment


                                                                                                            Originally posted by 6starpool View Post
                                                                                                            Just got a thing there about my deferred DB pension scheme, that they will be making more offers to people to move their pension with an Enhanced Transfer Value offer. V for Vendetta if you see this, is there any general formula or standard ETV that can be expected based on what the preserved benefit is? I might not get an offer, they made offers to some former colleagues a few years back but I didn't get one. I think they were doing the higher value ones then, might be moving onto the next batch of people soon, but I've no idea if I'll be in that group, but I'd like to know what to expect. Is enhanced typically something standard, like 10%/15% or whatever above the normal transfer value you'd get if doing it off your own bat?
                                                                                                            ETV offers vary massively. In ireland they can be offered with no requirement to take advice or have it properly explained. Stuff that is standard in the UK or you’ll get the ass sued off you is 100% allowed in ireland. So as a result some ETV programs are a very bad joke.

                                                                                                            Basically with a DB scheme your standard transfer value is prescribed via legislation (assuming a scheme can afford to pay the standard transfer value). The standard transfer value basis is optimistic for younger pension scheme members (6%pa returns and high interest rates assumed) which folk investing in a D.C. scheme will struggle to achieve between now and their NRA as in general folk invest more prudently with their D.C. assets as they get older.

                                                                                                            The uplift or enhancement being offered will be bankrolled by the sponsoring employer in order to reduce the risk and potential future costs of honouring the pension costs of paying you a DB pension in retirement. Pension costs go up significantly from a funding perspective when active and deferred members become pensioners so the sponsor is heading off the challenge of pumping extra money into the scheme for folk who no longer work there. Also they generally extinguish a liability at less then the accounting balance sheet liability so they can pay out 10m and reduce pension liabilities (or increase the value of the business) by 20m.

                                                                                                            A decent enhancement can be attractive if it’s reasonably generous and you don’t want a DB benefit in retirement but instead would prefer an ARF.

                                                                                                            A reasonable uplift for someone aged 45 with an NRA of 65 would be 40-50% to give you a decent chance to invest the funds in a D.C. scheme and have a similar level of benefits at age 65. Some sponsors pay this much and others offer 10-15% because people only see the €€€ and don’t understand the economic value of their DB benefit.

                                                                                                            Good luck getting a financial adviser to give you some decent advice on this as most haven’t a clue about all the things to consider and will just want to sell you a PRB/ARF to invest your formerly DB funds in where they can get their commission.

                                                                                                            Kerry foods offered a 10/15% ETV irrespective of age which was a bad joke and run by an incentivised adviser. We’ve been involved in well run ETV programs where folk in their 30s got 100% uplifts and proper access to modelling tools to assist folk in making their decisions. Your mileage may vary.
                                                                                                            ‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan

                                                                                                            Comment


                                                                                                              Good to see all the talk of uplifts and promotions. Mad to hear some of you are working 80/90 hour weeks though. Thats long term crazy imo. And fingers crossed DP you get a few quid and a new improved gig fairly soon. It’s got to be a good time to be looking and at least with KPMG in you’ll have a bit of certainty soon.

                                                                                                              My own situation had been pretty good over the past two years and I’ll be made a partner in our UK business and a shareholder/partner in our Irish business over the next few months. So financially all good. However, I’ll have a 12 month notice period, and basically I’ve lashed the next 10+ years of my career to this business (that’s the only way to really make the partnership status pay off).

                                                                                                              The business is going very well and I’ll make good money and have a decent “status” but it’s also left me with a weird hollow feeling. I need to reset my personal career goals and ambitions because I need something to chase or I get bored or self sabotage. I’m doing the Chartered Director program at the moment with the IMI and IOD and have to say I’m really enjoying it. Be interesting to see how things play out over the next few years…
                                                                                                              ‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan

                                                                                                              Comment


                                                                                                                Originally posted by V for Vendetta View Post

                                                                                                                ETV offers vary massively. In ireland they can be offered with no requirement to take advice or have it properly explained. Stuff that is standard in the UK or you’ll get the ass sued off you is 100% allowed in ireland. So as a result some ETV programs are a very bad joke.

                                                                                                                Basically with a DB scheme your standard transfer value is prescribed via legislation (assuming a scheme can afford to pay the standard transfer value). The standard transfer value basis is optimistic for younger pension scheme members (6%pa returns and high interest rates assumed) which folk investing in a D.C. scheme will struggle to achieve between now and their NRA as in general folk invest more prudently with their D.C. assets as they get older.

                                                                                                                The uplift or enhancement being offered will be bankrolled by the sponsoring employer in order to reduce the risk and potential future costs of honouring the pension costs of paying you a DB pension in retirement. Pension costs go up significantly from a funding perspective when active and deferred members become pensioners so the sponsor is heading off the challenge of pumping extra money into the scheme for folk who no longer work there. Also they generally extinguish a liability at less then the accounting balance sheet liability so they can pay out 10m and reduce pension liabilities (or increase the value of the business) by 20m.

                                                                                                                A decent enhancement can be attractive if it’s reasonably generous and you don’t want a DB benefit in retirement but instead would prefer an ARF.

                                                                                                                A reasonable uplift for someone aged 45 with an NRA of 65 would be 40-50% to give you a decent chance to invest the funds in a D.C. scheme and have a similar level of benefits at age 65. Some sponsors pay this much and others offer 10-15% because people only see the €€€ and don’t understand the economic value of their DB benefit.

                                                                                                                Good luck getting a financial adviser to give you some decent advice on this as most haven’t a clue about all the things to consider and will just want to sell you a PRB/ARF to invest your formerly DB funds in where they can get their commission.

                                                                                                                Kerry foods offered a 10/15% ETV irrespective of age which was a bad joke and run by an incentivised adviser. We’ve been involved in well run ETV programs where folk in their 30s got 100% uplifts and proper access to modelling tools to assist folk in making their decisions. Your mileage may vary.
                                                                                                                There is so much conflict of interest here, it should not even be called financial advisor - the status quo here protects interest in the system and the commission flows.

                                                                                                                At this stage for pension lump sum contributions I deal directly but have to go through the hassle of assuring them I have no intermediary advisor. and knowning that I am paying the same fees and they allow for commission every time that in my recent cases is not sent anywhere, with no fee incentive for me to save them that. I guess if i was more important to them/or for v high net worth there is an arrangement but so far not.

                                                                                                                I have an old DB pension and the transfer values offered to me (3 times now) have been laughable.

                                                                                                                Comment


                                                                                                                  Originally posted by paul8200 View Post

                                                                                                                  There is so much conflict of interest here, it should not even be called financial advisor - the status quo here protects interest in the system and the commission flows.

                                                                                                                  At this stage for pension lump sum contributions I deal directly but have to go through the hassle of assuring them I have no intermediary advisor. and knowning that I am paying the same fees and they allow for commission every time that in my recent cases is not sent anywhere, with no fee incentive for me to save them that. I guess if i was more important to them/or for v high net worth there is an arrangement but so far not.

                                                                                                                  I have an old DB pension and the transfer values offered to me (3 times now) have been laughable.
                                                                                                                  With the new raft of regulations it’s only going to get worse for middle income folk looking to do it themselves. Conflicts of interest are rife as you say.

                                                                                                                  Very little choice and loads of consolidation going on
                                                                                                                  so less choice all the time. Regulators and legislators haven’t a fucking clue.
                                                                                                                  ‘IF YOU had not committed great sins, God would not have sent a punishment like me upon you.” Genghis Khan

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                                                                                                                    Originally posted by Raoul Duke III View Post
                                                                                                                    so, what's the plan for the 4th of March HH?
                                                                                                                    Thats a good question. We have a decent number at this stage. Probably 8-11 when the final numbers shake out. I wonder if some version of a private game is the ultimate win. Are there places that can be rented with a table and a bar service, or is that too far off the pale? Otherwise, we probably need a pre-place to gather the group together, then I don't know is there something like a Korean byob thats fairly cool and hip, then a poker lounge (Bonnington is a name?), then a place to make mistakes. I don't know if this could yet be described as a plan, more a framework.
                                                                                                                    "We're not f*cking Burundi" - Big Phil

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                                                                                                                      Originally posted by V for Vendetta View Post
                                                                                                                      Good to see all the talk of uplifts and promotions. Mad to hear some of you are working 80/90 hour weeks though. Thats long term crazy imo. And fingers crossed DP you get a few quid and a new improved gig fairly soon. It’s got to be a good time to be looking and at least with KPMG in you’ll have a bit of certainty soon.

                                                                                                                      My own situation had been pretty good over the past two years and I’ll be made a partner in our UK business and a shareholder/partner in our Irish business over the next few months. So financially all good. However, I’ll have a 12 month notice period, and basically I’ve lashed the next 10+ years of my career to this business (that’s the only way to really make the partnership status pay off).

                                                                                                                      The business is going very well and I’ll make good money and have a decent “status” but it’s also left me with a weird hollow feeling. I need to reset my personal career goals and ambitions because I need something to chase or I get bored or self sabotage. I’m doing the Chartered Director program at the moment with the IMI and IOD and have to say I’m really enjoying it. Be interesting to see how things play out over the next few years…
                                                                                                                      The sense of emptiness after achieving something you thought was a goal, is absolutely something I'm on board with as a lived experience. I suspect the only real solution is to find something outside work that gives you meaning - not family standard stuff, but something like managing your local GAA club. Personally I've gone with the 'go deep' approach of moving further into my own work space and seeing what the higher-level potential is. Not particularly for the money benefit, just the potentially interesting journey. Not convinced its as good an idea as managing the local social centre as a hobby.
                                                                                                                      "We're not f*cking Burundi" - Big Phil

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                                                                                                                        Originally posted by Solksjaer! View Post
                                                                                                                        DP how is the kid ?
                                                                                                                        Swollen lip and gums but otherwise in great form.
                                                                                                                        ​​​​
                                                                                                                        People say I should be more humble I hope they understand, they don't listen when you mumble
                                                                                                                        Get a shiny metal Revolut card! And a free tenner!
                                                                                                                        https://revolut.com/referral/jamesb8!G10D21

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                                                                                                                          Strewel will you be apologising to Ming for your remarks at the time?

                                                                                                                          ﴾͡๏̯͡๏﴿

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