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Jaeluni Asjil posted:Another thing to do if you have no dependents/partner is to submit a form to the pension scheme giving your wishes in the event of your demise My pal whose dad we buried 18 months ago just got contacted about his pension that he didnt know about, payout with his sister was about 30 grand between them I think. Sad cos his dad died lamenting not having much to pass down. Sadder still for me cos we're locked down so I can't tell him the drinks are on him and his dad.
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Jan 14, 2021 00:18
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hemale in pain posted:Can you sleep in the caravans? You could but they had to be let out for a % of time. It was a long time ago now - 20+ years - so I can't remember the details only the loss. The income was nice but essentially the purchase was money down the toilet. I was young and on a big salary.
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Jan 14, 2021 00:19
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Can you sleep with the caravans?
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Jan 14, 2021 00:28
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i lived in my own caravan for a year. had to put in a concrete path for the postman. Probably why I like rain so much.
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Jan 14, 2021 00:29
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There is a thing to look up contact details for pension schemes based on who your employer was if you think you might have old pension pots you've lost track of https://www.gov.uk/find-pension-contact-details
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Jan 14, 2021 00:44
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The form to tell pension providers (work pensions or SIPP) what you want to happen in the event of your demise is called a "Death Benefit Nomination Form" As I said - they don't HAVE to follow your wishes but they will take them into consideration.
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Jan 14, 2021 00:52
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rename thread pension advice chat
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Jan 14, 2021 01:03
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I caravan’t believe it
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Jan 14, 2021 02:54
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I need to get all my various pension pots put into a sipp. My #2 pension keeps oscillating, I put £10k into the fucker (over 4 years), then it doubled in a year, then it lost a third, then it doubled, then it halved, then it doubled, last time I looked it was about £25k. This is with scottish widows, not some financial gambling spiv. I think I have about 12 various workplace pensions most of which I cant remember the details of, is there are way to combine them into a SIPP? I fancy shorting Tesla, that price is a bubble.
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Jan 14, 2021 03:26
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Death holds no pity for Britain.
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Jan 14, 2021 04:05
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NotJustANumber99 posted:rename thread pension advice chat pension & wellies advice chat
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Jan 14, 2021 09:48
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I dread to think how little is in my pension but I take solace that retirement age will likely be scrapped in the next 20 years so I'll get to work til I die anyway
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Jan 14, 2021 09:55
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goonancial advisor should i consolidate my pensions
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Jan 14, 2021 10:37
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Collateral posted:I need to get all my various pension pots put into a sipp. My #2 pension keeps oscillating, I put £10k into the fucker (over 4 years), then it doubled in a year, then it lost a third, then it doubled, then it halved, then it doubled, last time I looked it was about £25k. This is with scottish widows, not some financial gambling spiv. Yes, you can set up a tax-free SIPP, then instruct all your various workplace pensions to transfer into it. This is MUCH better than having 12 mediocre pension providers doing a not-very-good job of managing your money, AND creaming off 12 separate fees on top of it. Now, you will have to manage your own investments, which honestly isn't that hard. Most of my pension is in passive index trackers and a couple of active funds that have consistently performed really well. Aim for long-term investments, don't be continually fiddling around with your money, buying and selling on gut feeling and stay away from clever, complicated stuff that's supposed to bring you quick returns, but won't. (i.e. short selling, currency speculation, loving bitcoin etc etc.)
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Jan 14, 2021 11:22
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On pension providers specifically, they're often bizarrely bad at providing decent (or often, any) returns on the money you entrust them with. Since the FTSE was set up, it's grown at an average of just over 8% a year, which you'd think would make for a pretty easy life if you're the sort of person who manages other people's money: just bung it all in the FTSE, then head off to the pub: job done. I mean, that's what I'd do. Instead, they feel that they have to intervene and they think up all these investment strategies that seem very clever when they're explained but generally fail to outperform the stock market and quite often even lose money. Then they charge you a substantial fee for their work, which reduces your returns even further. If you have multiple pensions, then you've got a whole bunch of guys mucking around with your money, which is even worse.
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Jan 14, 2021 11:31
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i dont have to worry about any of that because im too poor lol!!!!! if you guys buy any weightlifting/fitness stuff highly recommend strength shop and not fitness superstore. Fitness superstore use some real poo poo courier who took a week to deliver my stuff and the poor delivery driver was obviously stressed to hell and almost forgot half my order. tho they're out of stock of everything so this is probably useless advice.
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Jan 14, 2021 11:48
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ima open one called beefcake boutique 
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Jan 14, 2021 11:52
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Waiting on the results of a tenancy credit and reference check - we got incredibly lucky to get first dibs on a perfect place, but I'm a full-time student and my wife's temporary contract at work just ended. We've got plenty of money in savings (plus my student loan and NHS bursary) so it should be fine, but I know being a student isn't ideal for this. If we don't get it we're in trouble, because the lease at our current place runs out soon and 2 bed places in our budget in this area are like gold dust. gently caress I hate this poo poo every time we need to find a new place to rent, but buying is completely unrealistic for us for a few more years at least. 
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Jan 14, 2021 11:58
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hemale in pain posted:Fitness superstore use some real poo poo courier I didn't realise you could get fitness stuff delivered by deliveroo yeah, i went there
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Jan 14, 2021 12:00
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lol honestly if you think about it deliveroo are great. people expect their stuff delivered like 30 minutes after they order and they expect their stupid soup orders and coffees not to be leaky as poo poo  as far as i can tell deliveroo (usually) provide credit or refunds for missing items and spilt orders. for awhile you could get an instant refund by just marking the food as uncooked  thanks students for doing that CONSTANTLY and getting it removed
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Jan 14, 2021 12:06
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Bardeh posted:We've got plenty of money in savings (plus my student loan and NHS bursary) so it should be fine,
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Jan 14, 2021 12:12
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Bobby Deluxe posted:just tell them you will pay with loving claps I'm training to be a Podiatrist, I don't know if we're clap-eligible
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Jan 14, 2021 12:17
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Bardeh posted:I'm training to be a Podiatrist, I don't know if we're clap-eligible that's something to do with podcasts right
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Jan 14, 2021 12:20
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Bardeh posted:I'm training to be a Podiatrist, I don't know if we're clap-eligible people can clap u with their feet
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Jan 14, 2021 12:27
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sole music
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Jan 14, 2021 12:57
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Lost my balance and fell on a piece of upright steel rebar. Pierced straight through the unprotected side of my welly but somehow missed my foot. Anyway just collected pair number 4 safety wellies. None in stock locally, an hour plus round trip.
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Jan 14, 2021 13:07
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welly insurance
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Jan 14, 2021 13:15
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my new trainers arrive today i hope they are not poo poo
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Jan 14, 2021 13:16
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im having some fun with my 3d anatomy program he looks very pleased with himself
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Jan 14, 2021 13:19
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Pistol_Pete posted:On pension providers specifically, they're often bizarrely bad at providing decent (or often, any) returns on the money you entrust them with. Since the FTSE was set up, it's grown at an average of just over 8% a year, which you'd think would make for a pretty easy life if you're the sort of person who manages other people's money: just bung it all in the FTSE, then head off to the pub: job done. I mean, that's what I'd do. I was joking about Tesla. The first problem with the ftse is that it's constituent membership changes all the time. I remember some stocks gameshow back in the 80's that I played along with. I invested all my £10k into polypec and bcci. 
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Jan 14, 2021 13:21
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The second problem is the makeup of bankers and financiers. You know the class i am taking about. Actual ability is secondary to which school you went to and who your chums are. My first act as nuKing of gb would be to ban the privately educated from governmental or financial positions.
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Jan 14, 2021 13:25
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i am convinced if you introduced ubi for rich people it would cost the taxpayer less letting them be idle than it would bailing out their idiot schemes every ten minutes
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Jan 14, 2021 13:27
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Bobby Deluxe posted:my new trainers arrive today i hope they are not poo poo
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Jan 14, 2021 13:29
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Bardeh posted:im having some fun with my 3d anatomy program  🍆
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Jan 14, 2021 13:31
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Collateral posted:My first act as nuKing of gb would be nuKing gb
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Jan 14, 2021 13:36
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Oh and they can't have eff all to do with government contracts. Looking at you Dido (wtf) Harding. Was it £1bn per metre of ox hide for that test and trace bonanza?
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Jan 14, 2021 13:37
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Bobby Deluxe posted:i am convinced if you introduced ubi for rich people it would cost the taxpayer less letting them be idle than it would bailing out their idiot schemes every ten minutes Just put them all in a simulator where they get to shout at a vr secretary in the morning and gently caress her in the afternoon, it would save millions Maybe make their car in the simulation the best one in the car park for their grade, then level up every 2 years
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Jan 14, 2021 13:39
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Obligatory "it's snowing!" post.
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Jan 14, 2021 14:01
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Bobby Deluxe posted:holy poo poo they left them outside the front door in the rain for an hour before emailing me Sounds like they weren’t there and you just got a second pair op
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Jan 14, 2021 14:08
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make the dog wear both pairs
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Jan 14, 2021 14:15
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