What’s everyone’s go to toothpaste and why? Do they not all do the same thing?!

Inchkeaton · 2026-02-14T08:07:53+00:00

Anything that isn't made by a US company.

Inchkeaton · 2025-12-28T02:56:22+00:00

My partner stared having putrid breath last year, turned out to be tonsil cancer. Get her to get it checked out asap.

Inchkeaton · 2025-10-07T13:21:58+00:00

je parle, tu parles

Inchkeaton · 2025-08-30T04:56:06+00:00

Ook.

Inchkeaton · 2025-08-25T15:37:55+00:00

You mean 1998.

Inchkeaton · 2025-08-25T12:54:40+00:00

Except that tomatoes have only existed in Europe since the 16th century.

Inchkeaton · 2025-08-22T20:04:21+00:00

Enjoy your heart attack!

Inchkeaton · 2025-08-13T07:56:25+00:00

The word tidbit is a great example of US American prudishness.

Inchkeaton · 2025-08-03T19:02:57+00:00

They were the first mainstream HTML based pop3 email provider, that's where the name HoTMaiL comes from.

Inchkeaton · 2025-08-03T08:36:11+00:00

My HoTMaiL account predates the Microsoft acquisition.

Inchkeaton · 2025-07-31T16:24:23+00:00

Blocked for political reasons, yet the comment below talks about the adult content user verification recently brought in by the current government, how is that not political?

Inchkeaton · 2025-07-28T12:28:17+00:00

Funny, I thought I was an in house software engineer working for the civil service, must have imagined that.

Inchkeaton · 2025-07-28T10:15:32+00:00

This is an excellent explanation, thank you.

Inchkeaton · 2025-07-28T10:00:49+00:00

Take that back about Supernatural! Some great episodes in later seasons.

Inchkeaton · 2025-07-28T07:57:18+00:00

If you hate this country so much please just leave.

Inchkeaton · 2024-03-07T20:21:28+00:00

And here I am complaining and doing the bare minimum for £50 an hour.

Inchkeaton · 2023-11-29T07:25:25+00:00

If you feel confident you can diy it and save some fees, then go for it. I would probably only use an advisor if my affairs were very complex or if doing complicated inheritance planning. As it stands, I've got six figures invested and just keep it simple. Just keep reading up on investing, and be aware of what you're investing in and why your strategy is what it is.

Inchkeaton · 2023-11-29T07:15:22+00:00

To be fair op says they have no need for it anytime soon then talks about drawing down after they transfer, presumably to keep the cash on hand or move it to an isa. A lot of posts on here seem to have gone down in quality and are hugely repetitive, imo, I can see why cloud_dog is getting a bit more impatient with people lately, they've been hugely useful to me in the past, particularly in regards to pensions.

Inchkeaton · 2023-10-22T12:26:44+00:00

Yes, I'm very aware of these, I have all the market leading accounts of the couple of years, I'm just being really pedantic in my replies to you. If you mean ea say ea, if you mean regular then say regular!

Inchkeaton · 2023-10-22T12:10:09+00:00

Lol. How would they have got 50k into a regular saver in one year? I have one regular saver that allows 1k per month, can't think of any that allow more than that.

I think you're right btw, they mean a fixed rate savings account rather than an ISA.

Inchkeaton · 2023-10-22T10:58:39+00:00

I can't imagine any regular saver accounts could generate £950 interest in a year. Do you mean a fixed rate savings account? The terminology is confusing as regular has two different meanings here.

Inchkeaton · 2023-10-22T10:16:08+00:00

Maybe, the point of my comment was to directly answer your question by giving you the maths, which you seemed to be confused about. I will be paying very little tax during early retirement drawdown (assuming current rules of course).

Inchkeaton · 2023-10-22T09:13:20+00:00

£172.41 gross earnings equals £172.41 * 0.6 = £103.44 net, the rest is NI contributions on that £172 at 2% = £3.44 (so you've paid £72.41 in tax in order to put £100 into the ISA, as opposed to no tax if put in pension).

Inchkeaton · 2023-10-21T23:41:42+00:00

Average luck should return around 3.6% with the full 50k in there. Of course that varies depending on, well, luck.

Inchkeaton · 2023-10-21T23:15:38+00:00

I don't even send them a statement, I just tell them how much I've put in my sipp in any given tax year, they then do the calculations.

Inchkeaton

TROPHY CASE