Monkeys Fist 39194 Posted January 25 Share Posted January 25 53 minutes ago, Dazzler said: Ah the response to this should be interesting, I may have to adjust my tin foil hat and get comfortable. He’ll answer when he’s good and ready…( and when he’s found some shouty cunt that’s made a YouTube clip of just over 10 minutes which addresses the thing.). 2 Link to comment Share on other sites More sharing options...
Monkeys Fist 39194 Posted January 25 Share Posted January 25 37 minutes ago, Nefilim said: Exactly - North Korea is maybe the purest example of communism in 2024... Nice these Chinese Marxist Nazis doing their bit to be eco-friendly. What’s the problem? Link to comment Share on other sites More sharing options...
Howmanheyman 27652 Posted January 25 Share Posted January 25 1 hour ago, Nefilim said: Mustache man had a group called the National Socialist Party that killed a fair few... "What are you talking about? Are you some kind of fool?" 4 Link to comment Share on other sites More sharing options...
Monkeys Fist 39194 Posted January 25 Share Posted January 25 The last Moustachioed Socialist in this country saved millions of lives. 4 Link to comment Share on other sites More sharing options...
Alex 30832 Posted January 25 Share Posted January 25 1 minute ago, Monkeys Fist said: The last Moustachioed Socialist in this country saved millions of lives. He’s actually a Nazi for founding the NHS because covid is a hoax 5 Link to comment Share on other sites More sharing options...
Monkeys Fist 39194 Posted January 25 Share Posted January 25 2 minutes ago, Alex said: He’s actually a Nazi for founding the NHS because covid is a hoax Ah shit, sorry… I forgot I was a sheeple. 1 Link to comment Share on other sites More sharing options...
PaddockLad 14937 Posted January 25 Share Posted January 25 1 hour ago, 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. 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 https://www.britannica.com/story/were-the-nazis-socialists 1 1 Link to comment Share on other sites More sharing options...
Holden McGroin 5086 Posted January 25 Share Posted January 25 (edited) 2 hours ago, wykikitoon said: Speak to the wife as that's her profession Pass me her number mate. p.s. People have said I have an uncanny resemblance to Callum Wilson. Edited January 25 by Holden McGroin 6 Link to comment Share on other sites More sharing options...
Renton 18081 Posted January 25 Share Posted January 25 24 minutes ago, 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 https://www.britannica.com/story/were-the-nazis-socialists (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. Link to comment Share on other sites More sharing options...
Kid Dynamite 6098 Posted January 25 Share Posted January 25 3 hours ago, 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. 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. Link to comment Share on other sites More sharing options...
RobinRobin 9535 Posted January 26 Share Posted January 26 6 hours ago, Renton said: (S)he thinks Tony Blair and Hitler are both communists Wokerist 🙂 Link to comment Share on other sites More sharing options...
RobinRobin 9535 Posted January 26 Share Posted January 26 7 hours ago, Alex said: You can’t be this fucking thick. Please put a wink on the end to put my mind at ease Link to comment Share on other sites More sharing options...
Renton 18081 Posted January 26 Share Posted January 26 13 hours ago, 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. 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. 👍 2 Link to comment Share on other sites More sharing options...
Gemmill 35640 Posted January 26 Share Posted January 26 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. 3 Link to comment Share on other sites More sharing options...
sammynb 2934 Posted January 26 Share Posted January 26 15 hours ago, 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. 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. Link to comment Share on other sites More sharing options...
sammynb 2934 Posted January 26 Share Posted January 26 1 hour ago, Renton said: bin off your lethal motorbike hobby and make sure you get that pension. 👍 Worst fucking advice ever. Choose smack Rents, choose life! 2 Link to comment Share on other sites More sharing options...
Kid Dynamite 6098 Posted January 26 Share Posted January 26 1 minute ago, 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. 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. Link to comment Share on other sites More sharing options...
Kid Dynamite 6098 Posted January 26 Share Posted January 26 1 hour ago, 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. 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) Link to comment Share on other sites More sharing options...
RobinRobin 9535 Posted January 26 Share Posted January 26 15 minutes ago, 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. 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. 🙂 1 Link to comment Share on other sites More sharing options...
Gemmill 35640 Posted January 26 Share Posted January 26 13 minutes ago, 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) 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. 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. 3 Link to comment Share on other sites More sharing options...
sammynb 2934 Posted January 26 Share Posted January 26 5 minutes ago, 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. 🙂 When I will the 200m next week, you can either have 100k or a job, if you want? 1 Link to comment Share on other sites More sharing options...
Renton 18081 Posted January 26 Share Posted January 26 3 minutes ago, 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. 🙂 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. 3 Link to comment Share on other sites More sharing options...
Renton 18081 Posted January 26 Share Posted January 26 1 minute ago, sammynb said: When I will the 200m next week, you can either have 100k or a job, if you want? WHat's this 150, 200m shit you talk of? Link to comment Share on other sites More sharing options...
sammynb 2934 Posted January 26 Share Posted January 26 15 minutes ago, 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) You are definitely going to need the bold underlined option driving the Chinese MG POS. 2 Link to comment Share on other sites More sharing options...
Kid Dynamite 6098 Posted January 26 Share Posted January 26 3 minutes ago, 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. 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. 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 Link to comment Share on other sites More sharing options...
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