Originally posted by Hitchhiker's Guide To...View Post
I had written rhymes, but grammarly (everyone uses grammarly, yeah?) corrected it to rhythms, I think.
A few people I work with use grammerly. But they are not native english speakers.
I post on my phone a lot, and I'm sure the autocorrect makes me look illiterate more often than it helps me.
Boris has run rings around them imo with this report. Heat totally gone out of it.
It is never going away though, he will probably have to get hit with a fixed penalty notice for one or more of the pissups he hosted. Then its figuring out how much of a liability it will be at election time, Labour will be hoping he holds in and they can exploit it and the Tories have a lot of soul searching to do. Using the Jimmy Saville smear against Starmer could be a tipping point where he has fully nailed his colours to the 'I'm Trump Britain' and the party now have to decide if that is who they really are.
Market has moved in the last week from 1/4 to 8/11 for him to be gone this year.
Question for the more financially savvy types, ideally V4V if he is still lurking hereabouts.
Is it worth consulting with a financial planner as an ordinary Joe Soap? I'm likely to be in fairly decent shape in terms of retirement, even if I won't be able to retire much sooner than I'd like, but I suspect there are a few things I could be doing that would make things better, even within my current financial limits. If a consultation with a financial planner is a worthwhile thing, then what level engagement should be sufficient? I'm not looking for someone to 'manage my affairs' as sadly I'm not that well off, but I don't want to pay 200 quid an hour for multiple sessions either when there may be a better way to do it.
I'm sure there is a lot of 'it depends' in any answer, but no harm asking either. Anyone gone to someone like this recently who would feel comfortable recommending the person they talked to?
It is never going away though, he will probably have to get hit with a fixed penalty notice for one or more of the pissups he hosted. Then its figuring out how much of a liability it will be at election time, Labour will be hoping he holds in and they can exploit it and the Tories have a lot of soul searching to do. Using the Jimmy Saville smear against Starmer could be a tipping point where he has fully nailed his colours to the 'I'm Trump Britain' and the party now have to decide if that is who they really are.
Market has moved in the last week from 1/4 to 8/11 for him to be gone this year.
nobody will give a shit by the time of the next election!
"We are not Europeans. Those people on the continent are freaks."
Question for the more financially savvy types, ideally V4V if he is still lurking hereabouts.
Is it worth consulting with a financial planner as an ordinary Joe Soap? I'm likely to be in fairly decent shape in terms of retirement, even if I won't be able to retire much sooner than I'd like, but I suspect there are a few things I could be doing that would make things better, even within my current financial limits. If a consultation with a financial planner is a worthwhile thing, then what level engagement should be sufficient? I'm not looking for someone to 'manage my affairs' as sadly I'm not that well off, but I don't want to pay 200 quid an hour for multiple sessions either when there may be a better way to do it.
I'm sure there is a lot of 'it depends' in any answer, but no harm asking either. Anyone gone to someone like this recently who would feel comfortable recommending the person they talked to?
if you do go to get advice, go into the meeting fully aware of what their angle is and what they are trying to sell you.
"We are not Europeans. Those people on the continent are freaks."
if you do go to get advice, go into the meeting fully aware of what their angle is and what they are trying to sell you.
Ya, that's another problem I fear. I don't want to be pushed towards something they get a commission from. I certainly wouldn't go for 'free advice' as it'd obviously be with this in mind, but presumably there are those out there that you pay a fee for and they give you totally independent advice rather than try to sign you up for something.
On that note, one site I was looking at earlier was moneysmart.ie, and the financial advisor there is called Fonz Scanlan. Not a name that screams sense I have to say.
Question for the more financially savvy types, ideally V4V if he is still lurking hereabouts.
Is it worth consulting with a financial planner as an ordinary Joe Soap? I'm likely to be in fairly decent shape in terms of retirement, even if I won't be able to retire much sooner than I'd like, but I suspect there are a few things I could be doing that would make things better, even within my current financial limits. If a consultation with a financial planner is a worthwhile thing, then what level engagement should be sufficient? I'm not looking for someone to 'manage my affairs' as sadly I'm not that well off, but I don't want to pay 200 quid an hour for multiple sessions either when there may be a better way to do it.
I'm sure there is a lot of 'it depends' in any answer, but no harm asking either. Anyone gone to someone like this recently who would feel comfortable recommending the person they talked to?
If PAYE, max out AVC's and never give up a tracker mortgage...thats the sum of my financial advice.
Oh, and wipe all CC debt, pissing money away paying interest on those.
Ya, that's another problem I fear. I don't want to be pushed towards something they get a commission from. I certainly wouldn't go for 'free advice' as it'd obviously be with this in mind, but presumably there are those out there that you pay a fee for and they give you totally independent advice rather than try to sign you up for something.
Askaboutmoney (if you ignore the mods, who are tools) has a great section on Pensions where some very knowledgable people post. If your situation is non-standard, which it probably is, it might be a good place to start with some anonymous advice.
Otherwise if you're PAYE, do what Ole said.
"We are not Europeans. Those people on the continent are freaks."
I was actually talking to a friend who is a wealth and pensions advisor a couple of weeks back. Not V.
He said he has recently completely reassessed a lot of his advice and is basically now telling people just to fund themselves for an active retirement lifestyle to the age of ~77 (loltastically he said he moves this number up and down by making an amateur visual health diagnosis of the client) as you'll most likely be sitting on your ass after that point. Enabling people to retire a lot earlier.
"We are not Europeans. Those people on the continent are freaks."
I was actually talking to a friend who is a wealth and pensions advisor a couple of weeks back. Not V.
He said he has recently completely reassessed a lot of his advice and is basically now telling people just to fund themselves for an active retirement lifestyle to the age of ~77 (loltastically he said he moves this number up and down by making an amateur visual health diagnosis of the client) as you'll most likely be sitting on your ass after that point. Enabling people to retire a lot earlier.
nobody will give a shit by the time of the next election!
The just rush from one crisis to the next
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
Askaboutmoney (if you ignore the mods, who are tools) has a great section on Pensions where some very knowledgable people post. If your situation is non-standard, which it probably is, it might be a good place to start with some anonymous advice.
Otherwise if you're PAYE, do what Ole said.
Actually there's a section called money makeover there that might be a help too. Depends on your appetite for sharing/level of anonymity but you basically fill out a questionaire which is your/spouses income, pension pot, assets, debts etc etc and any major considerations for the future and people weigh in with analysis of what you could be doing differently and things like that.
I've never made a thread of my own there but have gotten a lot out of reading the advice to different people in different circumstances. Thanks for the reminder of its existence RD3 as I'm overdue a read of it.
Macbeth is Joel Coen’s shittiest movie by several billion light years. If all the elephants in all the world crapped into the same canyon for 100 years, you would still not have a pile of shit half a large as Joel Coen’s dumb-as-a-dog-dick rendering of this classic tale.
Actually there's a section called money makeover there that might be a help too. Depends on your appetite for sharing/level of anonymity but you basically fill out a questionaire which is your/spouses income, pension pot, assets, debts etc etc and any major considerations for the future and people weigh in with analysis of what you could be doing differently and things like that.
I've never made a thread of my own there but have gotten a lot out of reading the advice to different people in different circumstances. Thanks for the reminder of its existence RD3 as I'm overdue a read of it.
One thing you do get on there is some weird kind of Money Makeover threads which are essentially a form of showing off: e.g. "I own a 1m house outright, I earn 200k p.a. and I have a million in my pension fund. Am I doing OK?"
The posters do respond to them in all seriousness but I doubt they are the people for whom that forum was intended!
"We are not Europeans. Those people on the continent are freaks."
Question for the more financially savvy types, ideally V4V if he is still lurking hereabouts.
Is it worth consulting with a financial planner as an ordinary Joe Soap? I'm likely to be in fairly decent shape in terms of retirement, even if I won't be able to retire much sooner than I'd like, but I suspect there are a few things I could be doing that would make things better, even within my current financial limits. If a consultation with a financial planner is a worthwhile thing, then what level engagement should be sufficient? I'm not looking for someone to 'manage my affairs' as sadly I'm not that well off, but I don't want to pay 200 quid an hour for multiple sessions either when there may be a better way to do it.
I'm sure there is a lot of 'it depends' in any answer, but no harm asking either. Anyone gone to someone like this recently who would feel comfortable recommending the person they talked to?
I think a couple of pointed questions here or anon online somewhere like reddit or askaboutmoney is all anybody needs unless they are extremely wealthy and want to set up some sort of financial dynasty. A lot of people are quite bad with money, lack knowledge, have bad habits, and don't really know what to look up/ask and they might want to go to one but I don't think you'd need to.
Id say one of the challenges in life is when your kid gets kicked hard by a random unprovoked little prick in school.
My 1st course of action is letting the school handle it. My 2nd course of action is to calm down . Im not sure my 2nd course of action is an option if it happens again.
That put a smile on the face of a rough day, also had a decent laugh at No1 Son's rugby team who send out these corny weekly match reports but did this special edition this week.
Id say one of the challenges in life is when your kid gets kicked hard by a random unprovoked little prick in school.
My 1st course of action is letting the school handle it. My 2nd course of action is to calm down . Im not sure my 2nd course of action is an option if it happens again.
There is a little shit in my kids playschool class who seems to always be hitting/pushing/even biting and my kid has had his fair share of them. It could be worse, it could be my kid doing that. We've told him to make sure to let the teacher know if it happens and to avoid playing with that other kid if he can.
There is a little shit in my kids playschool class who seems to always be hitting/pushing/even biting and my kid has had his fair share of them. It could be worse, it could be my kid doing that. We've told him to make sure to let the teacher know if it happens and to avoid playing with that other kid if he can.
Yeah my worry is our 2nd kid will go ballistic if anyone touches him so i may be on the other side of it with him.
That put a smile on the face of a rough day, also had a decent laugh at No1 Son's rugby team who send out these corny weekly match reports but did this special edition this week.
That's brilliant
"We are not Europeans. Those people on the continent are freaks."
Actually there's a section called money makeover there that might be a help too. Depends on your appetite for sharing/level of anonymity but you basically fill out a questionaire which is your/spouses income, pension pot, assets, debts etc etc and any major considerations for the future and people weigh in with analysis of what you could be doing differently and things like that.
I've never made a thread of my own there but have gotten a lot out of reading the advice to different people in different circumstances. Thanks for the reminder of its existence RD3 as I'm overdue a read of it.
Lovely stuff with the Facebook plunge
apple played a nice role, their do not track feature played a nice part- genuinely hitting them in the pocket- it’s such a cool feature love when the little begging notification not to turn it on comes up on websites
time for governments to get involved now and put manners on all these gimps fucking soak them all and use it for stuff that’s actually useful to society
Will you ever fuck off with that shite... you are easily one of the worst posters on here for this-Pokerhand
Went into a little rundown shop here in Turin, starvin marvin straight off the plane, run by one of those people who look a wee bit like they got off a boat a few years back and still shudders at the memories of what they escaped. In worst shape than me, is my key point there.
Get a collection of crap and pop it down and then make the now universal phone tap signal. He says its cash only. I go, oh feck, grand, sorry I'll leave it then. We then had a good two minutes of him insisting that actually I had to take it for free, that only ended when my frantic fingers feeling around the pocket, while gesticulating with the other hand that I couldn't possibly take it, miraculously found a bank note.
Have had far too many experiences in my limited experiences of this country, to not think its easily one of the friendliest in Europe. I suspect we see it in their food too, where every food has been famously described as an attempt by the chef to recreate the memories of their grandmothers cooking.
The very elderly lady next to me on the plane to London, quite over-excited about her first plane trip in two years, was saying that when she worked in London in her earlier years, they'd drive from London-ferry-France-Italy and you could almost perceptibly feel the friendliness rising as you crossed the border from France to Italy.
The 8/11 about Johnson didn't last long 2/5 now. Tory elder statesman Malcom Rifkind just gave an impassioned analysis on Newsnight that should have all true blue Tories sharpening their knives and making even that skimpy a price look generous.
9/1 Tugendhat for next leader could be a decent punt feels like if Johnson goes there could be a purge of Brexiteers and Trumpists from a still fairly strong center
Got some really great Indian cooking tips off BockTheRobber on twitter last week.
Had half a dozen curry base batches in the freezer on the back of it, and a jar of dry spice mix.
Made a Prawn Chilli Masala tonight and it was phenomenal. The first time ever after countless times cooking Indian that it actually tasted like an Indian takeaway. The smell in the house from it, ohmyjaysis.
So quick too once you've got those bases done. Curry itself, including prep was done inside 15 mins.
I hold silver in tit for tat, and I love you for that
Ulysses getting a lot of coverage being 100 years old now. I've never read it. What are peoples opinions on it? Is it worth the slog it would be for me as a very slow reader.
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