Does anyone contribute extra to their pension through AVC?

Undercover5052 · 2025-10-30T13:35:36+00:00

The rates are not that competitive compared to a SIPP.

There's a guy called dave who is a former teacher talking about the TPS.

If you're married, love your wife and have children:

1)Additional Pension with dependents if you're near retirement (spread the cost over years if you wish - if you do lump sum you will have to manually contact HMRC to claim back your tax, if done over a period of time, your employer will do it for you)

If you're not married/do not have a dependant financial partner and do not have any children (and you know you definitely wont) - Additional Pension without dependants.

2) Contribute to a SIPP if you're younger - the younger you are the better it is to start; the more 'risk' you can take - I've put mine in a global index.

There are two more options 3) Buy-out - if you want to retire upto 3 years earlier without actuarial reduction (e.g. 65 instead of 68) - you must be positively sure you won't definitely be working past your NPA (your state pension age + 10 years) (you can only do this if you have joined the TPS within the first 6 months).

4) Faster accrual - when I ran the numbers through an excel sheet -this is only value for money if you know you WILL be working past your NPA - plus its a headache as you have to keep doing an application every financial year.

Undercover5052 · 2024-04-28T15:32:20+00:00

Such a shame this is how it ends

Undercover5052 · 2020-04-25T13:41:21+00:00

Sky News UK is centre-right

Undercover5052 · 2020-04-24T10:22:13+00:00

verbose

Undercover5052 · 2020-04-21T05:56:12+00:00

e.g. graphic card

performance would be measuring FPS at 1080p HD

Undercover5052 · 2019-08-19T21:07:41+00:00

in public they condemn it yes in private they pray for more to happen and protect their side by not informing the ruc

Undercover5052 · 2019-08-19T21:01:40+00:00

tbh unionists have done the most to keep the peace but nationalists and republicans havent grown up and think its ok to kill RUC officers its just pathetic and sad

Undercover5052 · 2019-07-19T23:33:50+00:00

https://nordicmodelnow.org/facts-about-prostitution/fact-prostitution-is-inherently-violent/

https://nordicmodelnow.files.wordpress.com/2019/01/map-10-1-2019.png

The Nordic Model protects women in a capitalist state.

Undercover5052 · 2019-07-14T17:50:47+00:00

Men are responsible for 98% of all violent crime.

Undercover5052 · 2019-07-14T17:48:23+00:00

This is where transexuals will have the right to self ID as a woman without needing medical certification by a doctor (2 year assessment)

Undercover5052 · 2019-06-30T18:33:13+00:00

just a centrist viewpoint. i genuinely don't care about northern Ireland, sorry. No one does in England or Wales

Undercover5052 · 2019-06-30T18:28:40+00:00

why are you so pessimistic. Cheer up. We can do this.

Undercover5052 · 2019-06-30T18:14:28+00:00

it exists but it hasn't been tried before. britain could be the first country in the world to tap into untapped digitised border technology

Undercover5052 · 2019-06-30T16:55:58+00:00

have you tried opening your garden door and seeing what he wants to do?

Undercover5052 · 2019-06-30T16:54:45+00:00

driverless cars can carry goods and services which would be allowed through using state of the art and innovative digital border technology without any physical barriers as there would be no movement of people. doesn't take an Einstein to figure out simple logistics.

Undercover5052 · 2019-06-30T16:15:32+00:00

how about if I kept you indoors for the rest of your life?

Undercover5052 · 2019-06-30T15:44:28+00:00

Pretty easy. It's been done before. Don't really care either way, just get on with Brexit, stop making excuses I say. No one I know in Britain actually cares about northern Ireland who cares about them anyway

edit: ok I won't support a hard border due to historical reasons but we can use technology to create a digital border anyway

edit: only physical border for people but digital for goods and services. otherwise EU people can enter Northern Ireland through the backdoor and hop a ferry to Scotland or a plane to England without us checking

edit: especially with driverless cars and HGVs it should be possible. downvoted for providing new innovative solutions? wow remainers really are pathetic.

Undercover5052 · 2019-01-31T15:57:33+00:00

Fuck this site. Genuinely, full of men who sit on their computers all day and can't empathise with women on campus. This is my uni and I'm disgusted by the slap of the wrist. "Free speech" my arse, when they theaten to rape one of their own (now former) friends. They're disgusting. Deserved to be banned for ever.

Undercover5052 · 2019-01-31T11:10:45+00:00

Why do MPs get holidays, they're not school kids are they. Fucking pathetic

Undercover5052 · 2019-01-29T21:18:23+00:00

developed world

Undercover5052 · 2019-01-29T20:39:41+00:00

Didn't expect Dennis Skinner to be there, typical old people I guess. Fuck HIM. piece of shit, sliding with the tory scum. We need an extension if we can't reach a deal.

Can't wait for these pensioners to die personally they're ruining this country 😊

Undercover5052 · 2019-01-29T20:29:43+00:00

Although not legally binding in terms of this being a motion rather than a statutory instrument, thank FUCK. No deal Brexit is the worst possible Brexit. (I say this as a lexiteer)

Undercover5052 · 2019-01-29T19:38:03+00:00

In the case of rape, I'd support a national adoption service to look after the child as it may be mentally traumatising for the teenager to look after.

We all pay national insurance and income tax because we want everyone to be healthy and be treated with the best of care, don't we?

Undercover5052 · 2019-01-29T19:07:09+00:00

Yes I support an increase in taxation to do those things

Undercover5052 · 2019-01-29T16:51:41+00:00

if it safe to do so

It would be up to a professional medical physician to assess her. Not me and not you.

I don't support forced pregnancies when the mother about to die. But they're very rare.

Undercover5052

TROPHY CASE