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Scottish Mag

By Scottish Mag,
in General Chat

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Renton
Renton

An update. I feel so fortunate. Back at home with the family, had a very long and frank discussion with Mrs Rents. She'll continue supporting me as long as I don't drink, which is obviously fair enoug

Alex
Alex

Had a couple a nights away in Keswick, got back yesterday morning. As is often the case I usually wake up at daft o’clock when I’m not at home in my own bed. Preoccupied with thoughts of today’s match

trophyshy
trophyshy

Last night I was sitting in the lounge minding my own business after the kids were put to bed.  I had the big light on.  Wor lass walked into the room and turned the big light off, fuck knows why.   S

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PaddockLad

PaddockLad 20146

Posted
Posted
  On 25/01/2024 at 16:05, Nefilim said:

 

Can you tell me the difference? Happy to be educated.

 

Mustache man had a group called the National Socialist Party that killed a fair few...

 

Socialism leads to Communism - which has a worryingly high body count.

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Here, read this. It explains it all for the hard of thinking…I mean you could’ve googled it yourself. Every single zoomer that I’ve come across who subscribes to the sort of nonsense you’re obviously partial to has told me Hitler was a Socialist because he was in the National Socialist Party, every single one of them :lol: 

 

https://www.britannica.com/story/were-the-nazis-socialists

 

 

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Renton

Renton 24882

Posted
Posted
  On 25/01/2024 at 17:29, PaddockLad said:


Here, read this. It explains it all for the hard of thinking…I mean you could’ve googled it yourself. Every single zoomer that I’ve come across who subscribes to the sort of nonsense you’re obviously partial to has told me Hitler was a Socialist because he was in the National Socialist Party, every single one of them :lol: 

 

https://www.britannica.com/story/were-the-nazis-socialists

 

 

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(S)he thinks Tony Blair and Hitler are both communists man. I mean, good luck with the offer of free education, but you'd have better luck explaining integral calculus to this. 

 

Screenshot_20240125_175846_Google.jpg

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Kid Dynamite

Kid Dynamite 8085

Posted
Posted
  On 25/01/2024 at 14:48, Renton said:

 

Got an NHS one somewhere, 20 years service so should be worth something, but I moved house at the same time I moved jobs and I've lost contact with it. Guess I'll need to contact the trust. I'm paying in a fair whack currently as its matched by my work. After 3 years, it's worth less than I've put in. I would be better off with cash in a shoebox. 

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Im not particularly savvy with pensions. Been paying into my NHS pension for 18 years. Currently get a lease car through work that knocks me into a lower pension bracket. When the lease ends in December I'll be back to paying the best part of £200 more a month in pension contributions.

 

Part of me thinks "get another lease car, you might be dead by 68", where another part of me thinks I'm knacking my final pension. 

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Renton

Renton 24882

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  On 25/01/2024 at 18:26, Kid Dynamite said:


Im not particularly savvy with pensions. Been paying into my NHS pension for 18 years. Currently get a lease car through work that knocks me into a lower pension bracket. When the lease ends in December I'll be back to paying the best part of £200 more a month in pension contributions.

 

Part of me thinks "get another lease car, you might be dead by 68", where another part of me thinks I'm knacking my final pension. 

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But that's not likely for a straight edge soldier such as yourself, and your family still benefit. My advice would be to maximise your pension whilst in the NHS as it really is still the best going. Just get a more functional, cheaper car or bin off your lethal motorbike hobby and make sure you get that pension. 👍

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sammynb

sammynb 3962

Posted
Posted
  On 25/01/2024 at 18:26, Kid Dynamite said:

Part of me thinks "get another lease car, you might be dead by 68", where another part of me thinks I'm knacking my final pension. 

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Further to this, when do all the all men of TT think they are going to be able/afford to retire?

I've resigned myself to it not happening before 70 if I live that long/can continue to find employment.

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Kid Dynamite

Kid Dynamite 8085

Posted
Posted
  On 26/01/2024 at 09:32, sammynb said:

 

Further to this, when do all the all men of TT think they are going to be able/afford to retire?

I've resigned myself to it not happening before 70 if I live that long/can continue to find employment.

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Well I can't draw my pension until I'm 68. But if I can get the mortgage paid off by 60, and don't have a wedding/university to fund for the bairn, I'm hoping to go part time for the final 8 years.
 

I'm on a career average pension and I should be at the top of a band 8C in a few years so hoping I can afford the pension hit.

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Kid Dynamite

Kid Dynamite 8085

Posted
Posted
  On 26/01/2024 at 08:16, Gemmill said:

Choosing a car lease payment over your pension is OK if you're in your 20s. I mean it's still wrong, but it's understandable. 

 

At your age, @Kid Dynamite, it's pension all the way I'm afraid.

 

Join the Ford Focus club with yours truly. 

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This is tempting on salary sacrifice. It will hammer my pension, but a brand new, taxed, insured, serviced car with free repairs and breakdown cover for £289pm is hard to beat. Particularly as I get free charging at work (for now) 


IMG_7439.thumb.jpeg.2f1665c9e5bcee046165ed9bfcba0395.jpeg
 

IMG_7448.thumb.jpeg.3f6709ce29c294fb92e083895abe00a8.jpeg

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RobinRobin

RobinRobin 13188

Posted
Posted
  On 26/01/2024 at 09:32, sammynb said:

 

Further to this, when do all the all men of TT think they are going to be able/afford to retire?

I've resigned myself to it not happening before 70 if I live that long/can continue to find employment.

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Unfortunately the 150m passed me by so back to the grind on Monday. 🥺 

Probably another 4 or 5 years. Not sure the wife is looking forward to seeing more of me. 🙂 

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Gemmill

Gemmill 53516

Posted
Posted
  On 26/01/2024 at 09:41, Kid Dynamite said:


This is tempting on salary sacrifice. It will hammer my pension, but a brand new, taxed, insured, serviced car with free repairs and breakdown cover for £289pm is hard to beat. Particularly as I get free charging at work (for now) 


IMG_7439.thumb.jpeg.2f1665c9e5bcee046165ed9bfcba0395.jpeg
 

IMG_7448.thumb.jpeg.3f6709ce29c294fb92e083895abe00a8.jpeg

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Honestly, the best thing to do is to see a financial advisor. They'll do a "financial health" type review and make sure you've got sensible life/illness insurance in place to look after your family if anything happens to you. 

 

But then they'll go through current retirement plans (hopes!) and tell you whether a) you're on track or b) you need to do x, y and z to get there. 

 

It doesn't cost you anything cos they make their money from commissions on, for example, you taking out the insurances that they recommend you to. But they'll go through and show you how your pension would kick in post retirement and what level of lifestyle it would support and for how long etc. 

 

It just means you're informed - it might be that they tell you that you're set fair and you can get whatever car you like, but at least you know. 

 

I've got a mate who does all this shit for me if you were ever interested and didnt know where to go. My advice is get all the insurances in place when you're younger and definitely BEFORE you've got a pacemaker. :lol:

 

It doesn't matter how much I explain that my pacemaker cured my issue and I'm not at any risk, they have a box that they tick that says pacemaker and your premiums go WILD. 

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Renton

Renton 24882

Posted
Posted
  On 26/01/2024 at 09:50, RobinRobin said:

Unfortunately the 150m passed me by so back to the grind on Monday. 🥺 

Probably another 4 or 5 years. Not sure the wife is looking forward to seeing more of me. 🙂 

Expand  

 

Genuinely thought you were retired. I'm going to an old colleagues retirement leaving do next month. He's 58, full NHS pension, jammy bastard. I want to wind down by 60, probably go part time if I can. Mortgage should be just about paid off by then and obviously I hope not, but good chance of inheritance. 

I feel sorry for younger people. Everything is just getting worse, including work conditions and housing. A lot of people will end up dying before they can retire.

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sammynb

sammynb 3962

Posted
Posted
  On 26/01/2024 at 09:41, Kid Dynamite said:


This is tempting on salary sacrifice. It will hammer my pension, but a brand new, taxed, insured, serviced car with free repairs and breakdown cover for £289pm is hard to beat. Particularly as I get free charging at work (for now)

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You are definitely going to need the bold underlined option driving the Chinese MG POS.

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Kid Dynamite

Kid Dynamite 8085

Posted
Posted
  On 26/01/2024 at 09:54, Gemmill said:

 

Honestly, the best thing to do is to see a financial advisor. They'll do a "financial health" type review and make sure you've got sensible life/illness insurance in place to look after your family if anything happens to you. 

 

But then they'll go through current retirement plans (hopes!) and tell you whether a) you're on track or b) you need to do x, y and z to get there. 

 

It doesn't cost you anything cos they make their money from commissions on, for example, you taking out the insurances that they recommend you to. But they'll go through and show you how your pension would kick in post retirement and what level of lifestyle it would support and for how long etc. 

 

It just means you're informed - it might be that they tell you that you're set fair and you can get whatever car you like, but at least you know. 

 

I've got a mate who does all this shit for me if you were ever interested and didnt know where to go. My advice is get all the insurances in place when you're younger and definitely BEFORE you've got a pacemaker. :lol:

 

It doesn't matter how much I explain that my pacemaker cured my issue and I'm not at any risk, they have a box that they tick that says pacemaker and your premiums go WILD. 

Expand  


Might do thanks. I've got a £300k life insurance policy to cover the term of the mortgage. So if I peg it before 60 the house will be paid off and the family will have a chunk left over. If I die after 60 then they will at least be mortgage free 

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sammynb

sammynb 3962

Posted
Posted (edited)
  On 26/01/2024 at 09:58, Renton said:

WHat's this 150, 200m shit you talk of? 

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National lottery thing called powerball, just jackpotted to $200 000 000 Australian pesos.

Stupidly if I won it, I'd employ people and end up working harder, but it would be my productions and no fucking frankengrabs.

Edited by sammynb
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