Tdansmith

man utd 1-0 up

If Newcastle United fans turned up at ashleys house chucking flares and stuff, ashley would charge his neighbours for the firework display.

Brave blokes them, last person i'd mess with is The Equalizer

6/4 he doesn't

Villa fan Lee Hendrie is talking now, and i swear his ears are getting bigger by the minute.

What ewerk said relegation and a wembley cup final loss has a certain attraction

I hope man city humiliate the fuckers

Could be a good night for Leeds now as WBA 2-1 down just like all my bets

ffs 3-2 up now

2-2 fuckers

Leeds fans chucking coins at a Millwall player taking a corner.

back to 2-1 WBA also getting beat N Forrest winning

Mr Money Mustache is a name you can trust

It's very boring stuff but well worth thinking about and getting advice if you're not sure about it. Two of my work mates are near retirement and have been very sensible with their money over the years, looks like they both will be minted and very comfortable in their retirement.

You normally have the choice of how to invest your money by putting it into either high risk- big rewards funds or play safe funds etc

Aston Villa one up v Leicester in the League Cup semi final 2nd leg ( 2-1 agg) I'll be gutted if these fuckers get to wembley

Blackburn's Adam Armstrong has just scored a crackin' goal v QPR

Never seen that before, if it's correct...fuck in hell !

Aye, every fucking year the BBC show it again and again, it's like Hereford knocking us out is the only FA Cup upset ever !

That would depend on your age, the closer you are to retirement the more you should put in. I wish i started pension saving when i first started working. I now think of pension savings like saving for a holiday, most people save like crazy for a holiday that lasts 2 weeks of the year. When you retire it's the rest of your life on holiday

You should get a yearly statement from them, but they can only give you projected figures. Maybe you should get in touch with the company who look after the funds etc. My company scheme is with Scottish Widows and they're very helpful. The trouble with pensions is often the rules change, like in 2015 the rule regarding "frozen pensions" changed you can now take money as a lump sum ( taxable of course) from them if you are 55 or over. Also the rules about how much you pay in to your scheme have only just changed this january, it's now going to be on "actual earnings" every week/month rather than an average. This is good because if you work more overtime you put more into the fund but the company match it ( 5.5% again) The rules about "auto enrolment" have also changed, you can't ask your company to opt out of this, you now have to go on the government web site to do this. I would recommend anyone who is in the People's Pension to opt out and join a company scheme if the company has one because the company add to it where as the People's Pension it's just your money. And also the life assurance in the PP is only 5 grand most company schemes are 4 times your salary.

My company pension matches what i put into it ( up to 5.5%) Most advisors would recommend you save between 10-15% of your income i assume that includes what a company puts in.

Try this pension calculator https://www.ageuk.org.uk/information-advice/money-legal/pensions/pension-calculator/

Oh Shit ! How many times will the fuckers show that Hereford goal ?

Ben Arfa off to play in La Liga I can't believe he hasn't had a club since leaving Rennes in the summer https://www.bbc.co.uk/sport/football/51279311 His new club is owned by Ronaldo..the fat Ronaldo..obviously