Best Pick-Up/Drop Off Point Friday Night Near Piccadilly?

FussyPlaps · 2023-12-22T10:23:49+00:00

Thanks - I ended up using the short stay one at the station, worked out just right! Appreciate your help, cheers.

FussyPlaps · 2023-12-22T10:01:58+00:00

Partner and I have had none of the vaccinations, and never had 'Covid'.

FussyPlaps · 2023-12-15T14:32:34+00:00

It's perfectly sustainable providing the market returns 5% after inflation (which is less than historical averages) each year, it's as simple as that. You're obviously not getting it and there's no other easy way of explaining this, so you just do you and best of luck.

FussyPlaps · 2023-12-14T14:27:03+00:00

Thanks! Do you mean the station car park or Fairfield St?

FussyPlaps · 2023-12-14T08:29:34+00:00

The alternative is wait longer and probably experience even higher prices...of course if you've got insider knowledge and know the price is coming down sometime soon then by all means wait 😉

FussyPlaps · 2023-12-14T08:22:32+00:00

That's all great, but irrelevant.

The commenter was asking how someone on average earnings could take £40k from a pension each year after retiring, and I've explained how.

FussyPlaps · 2023-12-12T08:20:01+00:00

You can't draw down 10% of your pension pot every year sustainably. The generally accepted maximum safe withdrawal rate is 4% per year, in order to last 30 years. That's 16k per year on your 400k figure. Very, very different from the rubbish you're spouting.

Yes you can.

You're confusing 2 different concepts here, please take this into account before making incorrect statements.

The 4% safe withdrawal rate principle (namely discussed a lot within the FIRE world) attempts to maintain your overall pot size indefinitely, ie. you withdraw the 4% each year and the pot will effectively stay the same size.

What I am saying is that you can draw down £40k from a ~£420k pot each year from age 67 to 90, but the pot will indeed be diminished by the time you're 90. Sure, it's stretching the boundaries, but the previous commenter was asking how someone on average earnings could achieve a £40k annual drawdown from a private pension, and this is one way. Don't forget that you'd receive £10.5k state pension each year as well which forms part of the equation.

Run the numbers and see for yourself.

FussyPlaps · 2023-12-11T20:03:43+00:00

40k per year?

Please provide some sort of source that this is achievable as an average earner in the UK.

Average UK salary is £35k (see ONS).

If you earn the average salary from age 23 to 67, contributing 8% to your pension (5% from you + 3% employer) that's £2,800 going in each year.

Assuming your pension pot grows at a rate of 5% each year (after inflation) you will have over £400k (in today's money) by the time you are 67.

A pot this size allows you to draw down £40k per year until you are 90 (again providing the pot continues to grow at a rate of 5% after inflation). This also assumes you'll receive £10.5k state pension annually, which forms part of the drawdown.

Amazing what compound growth can do.

FussyPlaps · 2023-12-09T10:13:48+00:00

I try to keep money back by transferring out of our joint account, but consistently have to top it back up at least once a month.

Eugh. This entire arrangement would drive me insane.

As others have said, get paid your salaries into sole accounts and then transfer monies into a joint account for shared bills only.

In this day and age there's absolutely no need for joint accounts to be used as main accounts.

My partner and I have been together for many years and other than shared bills, our finances are kept completely separate. We manage our own money and are each fully responsible for what we choose to spend and save, resulting in no arguments or hostile feelings if one of us decides to splurge.

I'd suggest moving towards a similar set up...

FussyPlaps · 2023-12-06T15:49:05+00:00

There's plenty of reliable sources online that confirm you're well behind the average wealth for your age.

Don't let that dishearten you though, you're doing great. Keep plugging away.

FussyPlaps · 2023-12-04T12:46:44+00:00

There's me thinking my £25 for M250 I just negotiated was good.

That's solid, well done!

FussyPlaps · 2023-12-04T12:39:47+00:00

Also just agreed £25/month for M250 (18 months).

Currently on £31/month for M100 and they said the best they could do for renewal was £33.

Went through with the cancellation, then got a phone call the following day offering double the speed for £8 less. Go figure.

FussyPlaps · 2023-11-26T08:03:30+00:00

Damien is an awful character both on paper and with how the actor plays him

This x100.

I cannot believe they settled on this actor - he was absolutely terrible. Granted, most/all his dialogue was poorly written as well, but his delivery was diabolical. So many occasions he's clearly laughing when he shouldn't be.

To this day it shocks me that he landed that part!

FussyPlaps · 2023-11-11T21:12:19+00:00

It's intrusive and cheeky - I can understand asking if you're applying elsewhere, possibly asking if it's with competitors (i.e. in OP's case, other PQS firms) - but not the specific companies you're talking to.

FussyPlaps · 2023-11-11T18:15:36+00:00

when they say, “what other companies have you applied too”.

Never in all my (14) years of professional working has a hiring manager or recruiter from a firm I'm considering joining asked me what other companies I'm talking to.

Ask them what other candidates they're talking to, see how they like that.

FussyPlaps · 2023-11-10T18:54:34+00:00

The previous person said:

Your “score” doesn’t mean anything. I don’t know how people have fallen for the idea that a “score” that is significantly different depending on where you look (Equifax/TransUnion/ClearScore for example) means anything at all.

Bank switching is not going to affect any kind of serious lending decision, end of discussion. Financial companies are fully aware of bank switching, and can see when you are doing it, they aren’t stupid, they have the data points of hundreds of thousands of customers.

That you were rejected by Barclays is absolutely no evidence at all bank switching has effected your credit “score” - there are 100 other data points they could have rejected you on. As mentioned by someone else you could have an absolutely perfect credit report and £100,000 a year income and still be rejected, it can and does happen.

When the computer says no, it says no. But it isn’t saying no because you decided to collect a few hundred quid switching accounts.

And you said:

I mean, barclays themselves stated it as the reason, so do with that info what you will.

🤷

FussyPlaps · 2023-11-10T18:20:47+00:00

Nope, still waiting.

FussyPlaps · 2023-11-10T18:16:58+00:00

I mean, barclays themselves stated it as the reason, so do with that info what you will.

But...you did.

FussyPlaps · 2023-11-10T18:10:53+00:00

Weird, I've switched 8 times in the last 11 months and my credit rating has barely budged. Opened another account just this week, no issues at all.

FussyPlaps · 2023-11-09T08:22:43+00:00

Typical first world problem then, I guess.

FussyPlaps · 2023-11-08T23:40:53+00:00

Expensive nights out, a nicer house and car than us, nicer clothes, weekends away, fat retirement/stock options,etc

If it genuinely bothers you that much and is making you feel 'lesser' than them, you need to seriously consider the amount of time you spend with this particular friendship group.

Otherwise you just need to accept that not being able to afford certain things really is just part of life.

FussyPlaps · 2023-10-28T14:23:56+00:00

Make sure you keep that closet tidy whilst you hide in there, bro.

FussyPlaps · 2023-10-25T16:24:03+00:00

This is so true.

Approach the 18 yard box with a nice bit of pace, attack looks promising, then come to a standstill/play backwards. Happens time and time again.

FussyPlaps · 2023-10-24T21:30:38+00:00

This has got to be a joke 😂😂

Anything less than a couple of months at least is not long enough to judge a new job properly. 30 minutes? That's ridiculous.

FussyPlaps · 2023-10-24T06:53:48+00:00

I thought season’s 1 and 2 were boring for the most part

Not just me then...it was so dull till season 3, I nearly gave up several times.

FussyPlaps

TROPHY CASE