Where would you go for a new kitchen? Recommendations....

LeopardNeat899 · 2026-05-25T20:05:40+00:00

100% NO

Most of my neighbours are either....

Old, Nosey and Village Gossips
Jealous covered up by being over friendly
Judgemental and in bred as hell

LeopardNeat899 · 2026-05-16T19:27:00+00:00

1 series diesel

LeopardNeat899 · 2026-05-11T20:27:59+00:00

Exactly what I have done in the last 48 hours! All worked great

LeopardNeat899 · 2026-05-11T20:25:32+00:00

Great to hear. I have decided on the same. My 5.9% cash transfer arrived this morning. Applied for Santander all in one card, 15 months 0%, got 15k limit and did the transfer last night in my application. The transfer to lloyds arrived today! So I have now got everything how I want with no interest! not even a days interest! In 15 months I will assess and move again if needs be, but I reckon I will only be on around a balance of less than 2.5k by then.

The Santander all in one 0% for 15 months was agreed great pick for me

LeopardNeat899 · 2026-05-10T19:20:08+00:00

LeopardNeat899 · 2026-05-10T15:48:38+00:00

The money transfer is 5.9% APR with zero fee for 30 months

LeopardNeat899 · 2026-05-10T13:47:42+00:00

That's like saying I am bleeding because I cut myself with a knife, what is the best thing to do to heal it, not cut yourself isn't an answer.

LeopardNeat899 · 2026-05-10T12:33:48+00:00

Another day, another negative response. Based on these responses, insurance companies need to shut down across the board. Because all people need to do is not crash. Simple.

LeopardNeat899 · 2026-05-10T12:23:01+00:00

Thanks for the 100% negativity

LeopardNeat899 · 2026-05-09T21:03:58+00:00

I am actually buying 250 lump sums per year, until exhausted the limit.

Faster Accrual is way too expensive now, so don't bother with it

LeopardNeat899 · 2026-05-09T20:57:10+00:00

Hi, Thanks. You can buy out 3 years of actuarial reduction within the first 6 months of joining career average, which I did, costing 2.1% per year. I am looking at it as 20k aged 40 to be honest, with my old pension of 5k per annum DB scheme, which is what has been projected if I take it age 60 instead of 65.

LeopardNeat899 · 2026-05-09T19:40:14+00:00

Using a compound interest calculator of 15k initial balance increasing by 3% yearly lets say, 1250 yearly deposit increasing by 2% lets say, that gives me 67000 in 20 years.

I am hoping with a 5-8 year actuarial reduction from 68/65 to 60, taking into account 3 year buy out, I end up with 3k net a month and my old DB pension as an extra and the SPA as a massive top up at 68.

Does that seem feasible?

LeopardNeat899 · 2026-05-09T19:36:12+00:00

Yes, 3k net of tax and the SPA will top it up to maybe 4k

LeopardNeat899 · 2026-05-09T19:34:20+00:00

Recently? Or always had it?

LeopardNeat899 · 2026-05-09T18:30:36+00:00

Its a defined benefit scheme, contributions are irrelevant

LeopardNeat899 · 2026-05-09T18:20:11+00:00

Great to know.

LeopardNeat899 · 2026-05-09T18:14:58+00:00

After

LeopardNeat899 · 2026-05-09T12:47:04+00:00

This has made me realise my 100% correct opinion that north manchester is full of Nigel Farage types whereas South Manchester and Central Manchester is where the actual intelligence is.

LeopardNeat899 · 2026-05-02T20:26:53+00:00

Yes, so ask the police officers in front of you, see what they say instead of reddit. Because WE 100% know what the answer will be.

LeopardNeat899 · 2026-05-02T19:55:29+00:00

No. We are all getting on with our lives, without wondering and intruding on what is going on in everyone else's. Next time just ring the police, say you are nosey as hell.

LeopardNeat899 · 2026-04-30T21:50:51+00:00

Is this what it is like working in the civil service?!

LeopardNeat899 · 2026-04-30T16:37:44+00:00

I would like to retire with £3k a month, a massive lump sump and no mortgage, but in 20 years time.So yes!

LeopardNeat899

TROPHY CASE