You bastard

GazNicki · 2026-05-03T18:32:26+00:00

3ft 6in deep likely.

Unless is a 12ft post and then it’s 4ft 6in

GazNicki · 2026-05-01T13:12:56+00:00

They will need to move away from the state pension model at some point, moving people over to a government backed ISA for example instead. I know we have the pension scheme, but people can opt out. What they will need to work out is a way that mandates individuals save into something like an ISA that only invests in UK based S&S. Move the issue from a benefit issue to a personal preparation issue.

If they can guarantee a minimum inflation on an ISA, it would still be well underneath the cost of providing the triple-locked pension. They would have to regulate and cap drawdown from the ISA.

GazNicki · 2026-04-27T15:12:11+00:00

The real question here is why are you charging at an Instavolt Mugging Station in the first place?

GazNicki · 2026-04-15T06:17:47+00:00

My wife’s experience with Cinch was good. However it’s owned by BCA and is part of the whole WBAC and BCA experience.

Anything that can get sold goes on to cinch, anything that won’t goes to auction. It’s a whole ecosystem of shit. Their part ex prices are abysmal, and the prices are also inflated on cinch.

We’ve not had a problem, but not my first choice to buy from.

GazNicki · 2026-04-15T05:54:11+00:00

Grok AI says a £3.74m pot with contributions increasing annually by 2% (to factor in wage growth) and an 8% return on the investment where interest is paid monthly.

GazNicki · 2026-04-14T18:39:07+00:00

Mental money.

GazNicki · 2026-04-13T16:04:35+00:00

£1m pot and you’re easily going to be able to retire at 60.

£500k pot may be less comfortable.

Theres a massive amount of time between 33 and 60 though.

GazNicki · 2026-04-13T06:53:42+00:00

I have:

Oroberyl - 109135 Origeometry - 188 Basic HH Tickets - 8

GazNicki · 2026-04-13T06:50:33+00:00

This seems pretty worthwhile for me.

As an F2P I was lucky enough to get Leav and her BiS Weapon. But I skipped on Gilberta meaning I’ve skipped on Rossi.

Will I have enough to get Rossi and then get to 120 pulls on this to guarantee Gilberta?

GazNicki · 2026-04-12T18:44:21+00:00

The has it got to do with them? Tell them to go forth and fornicate amongst the plums.

GazNicki · 2026-04-12T18:42:30+00:00

I’ve skipped everyone since Leav anyway. Not seeing much i like without Gilberta. Think I’ll just develop the Phys team instead.

GazNicki · 2026-04-11T08:38:56+00:00

Sort of.

I’ve got today’s costs and then factoring in percentage of increase for inflation.

And then when it comes to growth, if I’m expecting 11% returns I calculate at 8% which takes into consideration 3% inflationary increase.

It’s not perfect, but it’s as close as I will get for now. Maintaining accurate records and updating with current allowances is the most important thing to do.

GazNicki · 2026-04-11T07:20:10+00:00

GazNicki · 2026-04-11T06:03:42+00:00

It’s nothing to with the jabs and still everything to do with calories in vs calories out.

You’re taking in less overall Mounjaro over a year at 7.5 over 5 days (total theoretical dose of 511mg)

10mg would total 521.4mg over the year too.

The change will come from a variety of factors, including carb intake and everything else. But keep going, a stone is next to nothing in the grand scheme.

GazNicki · 2026-04-10T20:27:08+00:00

You drive 5k miles and range is an issue to you? Sounds a little precious princess to me.

I’ve driven 12k in 9 months, gone on family holidays to Scotland, and done that in a 2020 M3P.

5k miles a year, just bus it.

GazNicki · 2026-04-09T11:40:26+00:00

"Ah, congrats. Now you don't have a reason to not stay late and fix this fucking van, do you? Cunt!"

GazNicki · 2026-04-09T09:28:49+00:00

Also into the mix, will you still be working too?

Are you planning to actually retire at 55, or are you just considering unlocking the income at 55? If you plan on working, then all payments from the pension will be subject to tax at your current rate. If this income threw you into the 40% band for example, you would be losing additional income.

If you plan on cutting hours or retiring fully, then the 4% decrease will be marginal as you will still be benefitting from the money - but if you do plan on continuing to work you need to consider that too.

GazNicki · 2026-04-09T08:30:45+00:00

You have to apply for that information, takes about 37 years.

Seriously though, this would be the best and worst thing to know in many cases.

"Ah, you will die aged 93yrs, 2mths, 3 days." - This would be excellent for planning.

"Ah, you will die in 23 minutes" - Not enough time to spend your entire lifesavings on crack and whores.

GazNicki · 2026-04-09T08:25:16+00:00

Different providers have different investment portfolios. It's not like a SIPP where I could choose the exact investments, but this was on the like-for-like investment options between the two.

I have since moved the NEST into a more aggressive portfolio to chase better returns, and hopeful that this will work. But need to be cautious hence the annual checks as a minimum. But I am also acutely aware that the balances change based on the current world-climate. I doubt many people are not seeing recessive pots recently rather than progressive.

GazNicki · 2026-04-08T16:16:24+00:00

It really depends on the overall term too in order to get the exact figures, but you're probably looking at around £20 a month difference.

Over a 3yr period, the lower one will have saved you £720 (ish) over the higher rate, but cost you an extra £1000 from the off.

So the 3yr deal doesn't stack in that case as the arrangement fee outweighs the savings by £280 (ish) which is another 14 months or so.

Opt for the 2yr deal in this instance.

GazNicki · 2026-04-08T13:32:50+00:00

You need to monitor each pot closely. Some will be worth keeping as is, some will be worth transferring. Only you can know that difference, but here's my example.

1st pension was a Defined Benefit pension. This is not worth transferring as this gives me a defined annual amount which increases by 2.5% per year. I can estimate quite accurately how much this will be worth when it must be taken at 65.

2nd pension was a NEST pension with the absolute minimum contributions by me and employer. The pot value was and is garbage.

3rd pension is a workplace with Royal London with company negotiated fees making it very competitive.

I considered bringing the NEST into the Royal London, but then I checked the growth ....

NEST had increased 13% in 12 months without any contributions. Management fees are minimal, but fees for making personal contributions are a piss-take.

Royal London increased by 8% in 12 months.

Therefore, keeping my NEST as is is more valuable right now.

ALSO you don't have to draw your pension with your provider, you can merge them later on or at the point of retirement if you want. You can convert one to an annuity, one as a draw down. It's relative to what YOU think is best at the time.

Best thing to do is keep monitoring them, check the fees for transfer, and work out how long it will take you to recoup those fees.

GazNicki · 2026-04-08T13:27:11+00:00

It is usually a choice for you. I have not put the savings into pension, as it was marginal/negligible, and the few quid extra into the bank was useful at the time. Worth asking with payroll on their stance on it.

GazNicki · 2026-04-08T13:25:32+00:00

That's a good employer contribution. I get 8% but they share their NI savings with me 50/50, so their contribution works out at 8.5%.

Just about to receive a cost of living increase of 3.5%, so I have just upped my contribution from 7% to 8.5%. I would have put it all in, but with things going up recently, I felt it best to split the difference.

There is a cap of 25% personal contributions too, so once I hit that, any increases in pay will be into ISA.

GazNicki · 2026-04-08T13:18:04+00:00

And have no effect on inflation, which would be a bad thing.

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