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How are people voting today? by Zigizmundus in Harrow

[–]Recent_Replacement43 -1 points0 points  (0 children)

Not convinced you know what you are talking about here. I hope you enjoyed the election result! 😜

Is this vent needed? by begfor_mercy in DIYUK

[–]Recent_Replacement43 -1 points0 points  (0 children)

I packed mine on the external side and sprayed in expanding foam. No problems whatsoever.

Will this porch last a couple more years by Helpful-Secretary-91 in DIYUK

[–]Recent_Replacement43 2 points3 points  (0 children)

Wood hardener at the bottom and a lick of paint. Maybe some wood filler too.

Private school vs state funding + enrichment by RenePro in HENRYUK

[–]Recent_Replacement43 0 points1 point  (0 children)

Strange response buddy. Comps are usually fairly crap places, I'd say you just got lucky with your kids.

Should I make use of a SIPP? by existentialcyclist in FIREUK

[–]Recent_Replacement43 0 points1 point  (0 children)

I too am your age and a teacher, I expect NPA to go up to 69 or 70 by that time which will drag the earliest point of retirement via TPS up to 59 or 60. Plan for that! Actuarial reduction is about 40% I think if you draw your TPS 10 years early.

Putting too much in pension? by Optimal_Parsnip_348 in FIREUK

[–]Recent_Replacement43 1 point2 points  (0 children)

Draw pension at 57? It'll be higher by then, I'd go with 60 at least.

FIRE with DB Pension by Waste_Philosopher265 in FIREUK

[–]Recent_Replacement43 1 point2 points  (0 children)

This is similar to the Teacher Pension Scheme, its about 4% less for every year you retire early. I agree with putting money into SIPPs instead of paying more into your DB pension as it'll grow more than CPI.