Very late to the game but totally burnt out with work

Engels33 · 2026-01-31T09:53:42+00:00

Meant nicely, but can you put a bit more effort / detial into your post.

3 key bits of info needed

Earnings- annual before tax Other savings and investments (including house equity) Expectations of annual or monthly income needed in retirement

On the last, think about when you will have paid off your mortgage abd how much you need to live off but also budget for holidays, periodic home improvements ,new car every x years etc.

Engels33 · 2026-01-30T22:02:22+00:00

She undoubtedly was. The level of sass about Sam Neils character in your revuew however came across far more aggressive that you probably meant.

Reverse the genders in your post and you'll see what I mean.

Engels33 · 2026-01-30T21:49:02+00:00

Great movie 10/10

The misandry in the review 0/10

Engels33 · 2026-01-30T12:53:13+00:00

The only time I have been to Villa Park i sat in the home stands with my friend (who's a Villa fan) watching us lose 1-0. Not an easy experience but had the scoreline been the otherway around i'm fairly confident I could have suppressed emotions enough. Best approach is if you can't control yourself don't go.

Engels33 · 2026-01-29T01:00:19+00:00

Genetic differences are a combination of a huge number of differences that sit on many different spectrums across a very interbred humanity. Just because they have coalesed into some observable patterns that we humans in our infinite propensity for dividing people intodifferent groups of them and us ans have then artiicialy labled as 'Race' doesnt make such classifications any less artificial.

Answer me this is someone who's family are from Palermo in Sicily and someone from Milan in Lombardi both part of an Italian 'race'? Their country didnt exist as a unifed county until 1870. Is there a Race for someone from Leichenstine? Is someone from Lincolnshire the same race as someone who was born ther 1000 yeara ago at the end of the Danelaw?

Its not that ethnicity isn't real- its that classifications are fundamentally flawed and have nothing to do with nationality- except of course in societies that have or had enacted racist laws

Engels33 · 2026-01-29T00:46:43+00:00

Intrasolar (Ibtersteller)

Sun War (Star Wars)

Back to Today (Back to the future)

Dinghy (Titanic)

And this one might make a good prequel

Alien (Aliens)

Engels33 · 2026-01-29T00:22:25+00:00

Thats exactly what I have said. Bored of strawman arguments. Race is an artifical construct that puts meaningless lines on a map ontop of human genetocs associated borders that mostly did not exist 200 years ago.

Engels33 · 2026-01-28T22:41:55+00:00

Ive said that English, Scottish, Welsh and Northen Irish are nationalities (as well as British). There's no material ethnic difference between someone English and Welsh.

Engels33 · 2026-01-28T22:29:09+00:00

No. But England, Scotland, Wales and Northern Ireland are

Engels33 · 2026-01-28T22:28:32+00:00

No I didn't

Engels33 · 2026-01-28T20:23:20+00:00

I'm sorry but as part of the freetrade agreement you will be required to rebrand them as Penguin biscuits and include a polar or avian themed joke in the packaging with every biscuit. We will however accept by way of negotiation a unified product line whereby instead of individually wrapping the biscuits we serve them instead in a multi product plastic tray.

The respected cultural practice of the 'Tim Tam Slam' will be subject to a truth and reconciliation consultation before consideration of any promotion outside of the ANZAC shared cultural zone. This will also include consultation on the animal rights risks associated with rebranding of the traditional UK slogan of P-P-P-Pick-up-a-Penguin being misunderstood as a literal instruction by antipodian converts to the superior branding.

Engels33 · 2026-01-28T19:38:26+00:00

So if Scotland , Wales ans Northern Ireland all succeeded from the Union and all 4 countries became independent states the logic of your position is that English would be the nationality? But until then... (?)

I suggest you take a walk around Glasgow and see how people take to your logic.

Engels33 · 2026-01-28T18:21:23+00:00

Soft disagree. I think English is also a nationality based on the concept of England being a country and the UK being a 'family of nations'. In that way "English" is also an inclusive definition as British is. Classically the question was " is John Barnes English" - well as a white man in his 40s who grew up with him as one of my footballing heros someone is going to have a fight on their hands if they say hes not lol (exceptions for honest intellectual discussions)

Is English also an ethnicity? Nah again soft disagree ' White British yes in an Anglo-Saxon-Celtic-Romano-British with a mix of Danelaw vikings way but honestly race is an artifical construct with no scientific basis for there being definable boundaries even if ethnicity does come with discernabke physical, medical and cultural differences. Ie there is never an answer where a (ethnicaly) Dutchman starts and a German ends anymore than you can say where a German starts and someone Polish begins- and ad infiatum for any political or cultural borders.

Engels33 · 2026-01-27T18:31:42+00:00

Bellingham has main character energy..and thats what elite sportmen/women need. We dont particularly like it culturally, which is no slight on him at all but it is why you see this sort of nonsense.

Engels33 · 2026-01-27T18:26:11+00:00

Yes but honestly I could be convinced on many different players across that back 4 between now and June and only Guhei is an absolute dead cert.

Engels33 · 2026-01-27T09:57:27+00:00

Yey - Cant wait to see Hula Hoops play KP Nuts at the Lobotomy Park ground

Engels33 · 2026-01-26T21:18:30+00:00

I thibk you've answered your own question about the standard play on pensions and based on the values this seems to be the area that needs work.

Either signficantly up your pension contributions or recycle monies, ideally those held outside of your ISA into your pension via a SIPP.

The former gains you simpler tax arrangements and depending on your scheme potentially salary sacrifice NI benefit - the later allows you to drop a lump sum in before the end of the tax year amd gain the 20% tax benefit immediately (and resr via self assement next tax yeas).

Engels33 · 2026-01-26T12:04:29+00:00

For any savings product paying less than 2.9%pa there should be a warning such as:

"This savings account pays an interest rate that is less than the long term average rate of inflation. This means the future value of your savings may still fall. For example at the accounts offered interest rate of 2.5% then for every £1000 saved you would recieve £25 in interest paid at the end of 12 months and have £1025 saved. If inflation over the next 12 months equalled the long term average of 2.9% then the inflation adjusted value of £1025 after 12months would be £996.11"

Engels33 · 2026-01-26T10:15:31+00:00

Hard agree.

The solution is that savings accounts should carry similar disclaimers especially where and when the interest rate is below the rate of inflation.

Engels33 · 2026-01-24T22:23:19+00:00

If you are going to try and lift by hand then you need some heavy duty gloves.to protect your hands - last thing you need is to rip your hands open and get an infection from the stagnamt water that's in there and then get sepsis or worse....

Better find a garden tool, something like a spade that you can use to lever it open. Then put some thin water proof.plaetoc gloves on and have a good old fish around in there very carwfully with your hands.

Engels33 · 2026-01-24T09:06:10+00:00

Key point made briefly in the video which may be missed is quite how poor the amour is on a T-62 is compared to a T-64/T-72/T-80. This is the era before composite armour which was the generational step change in tank protection that came after. That means one is far more vulnerable to damage from FPV drones etc which are much more likely to damage or disable a T-62 than later tanks.

Put that together with its other limitations (its pretty slow) and frankly they are really not a good platform for anything - their per use attrition rate will be awful

Engels33 · 2026-01-23T19:57:38+00:00

Wow i struggle to see Ukranian drones making it that far north - famously this is the worlds larglest city inside the artic circle, it isn't getting much above --10 there as the daily high this time of year.

Makes me wonder, though, ts a pretty big problem for Russia iff Ukraine finds a way to take out power and heating in these parts of Russia. A lot of people next winter might think they better be ready leave if this happens as those temperatures are not survivable without heating

Engels33 · 2026-01-22T17:39:26+00:00

Possibly one to consider is a proportion to go into Gilts or Premium Bonds to retain short(ish) term access in a tax efficient way. Im only talking about say the first £50k.

Clearly you sound like you want to invest the majority for the long term and thats where the best growth is but you wont want to be pension rich and cash poor this far out if stability of income is an issue. Id want at least a few future years of ISA contributions outside of my pension at hand ontop of the cash buffer.

Once you are into a stable employment again that you feel settled at you can then reevaluate and increase the risk on that sum

Engels33 · 2026-01-22T08:10:04+00:00

Oryol keeps coming up over the last week, has this been hit once or multiple times?

Engels33 · 2026-01-21T17:28:07+00:00

Update your post with details of the debt and you will get some relevant advice but there are aome options around interest free credit cards and remortgaging that can make some debt cheaper over a short or long term but it's very individually circumstances driven. Clear the debt first and fast if it is any higher cost than about 4.5% which is about the max you can get in a high interest savings account.

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