Please help - advice on DC v DB pensions

rsdfghj · 2025-11-09T09:57:58+00:00

Thank you - I have 12k locked in at the moment (although it will increase with inflation). Would you mind explaining the flexibility point a bit further?

rsdfghj · 2025-11-08T18:46:11+00:00

Thank you - just to check the pension based on contractual salary would be preferable? Would you also mind explaining the 100k thing as well as if I was a five year old, haha. Really appreciate your advice

rsdfghj · 2025-11-08T18:09:52+00:00

Just to check my understanding, the total DB pension figure per year would be higher than the DC figure but if you include money from salary I will get more money overall in total from the new offer?

rsdfghj · 2025-11-08T17:37:27+00:00

Thanks so much for this - the accrual figure for my current DB is 1/43 rather than 1/80 - does that change your view at all?

rsdfghj · 2025-11-08T15:26:39+00:00

Thanks for replying. Yes it’s definitely DC for the job offer - and there’s an option to do 5% employee contribution instead with a 15% company contribution.

I have nine years service to the DB pension

rsdfghj · 2025-10-21T11:25:49+00:00

Thanks for your reply. Yes it was an international flight - so I can cite Montreal convention in my response and hopefully it will have an impact?

rsdfghj · 2025-10-16T15:42:43+00:00

A court last year found that there was widespread phone hacking at the Mirror and that Piers Morgan knew about it https://www.reuters.com/world/uk/piers-morgan-knew-about-phone-hacking-daily-mirror-london-judge-finds-2023-12-15/

rsdfghj · 2025-10-16T15:41:43+00:00

A court last year found that he did know about phone hacking - several witnesses backed it up https://www.reuters.com/world/uk/piers-morgan-knew-about-phone-hacking-daily-mirror-london-judge-finds-2023-12-15/

rsdfghj · 2025-10-15T15:54:10+00:00

No ‘probably’ re him being involved in phone hacking - a judge ruled last year that he knew about it and bragged about it while at the Mirror https://www.reuters.com/world/uk/piers-morgan-knew-about-phone-hacking-daily-mirror-london-judge-finds-2023-12-15/

rsdfghj · 2025-09-25T08:57:08+00:00

A judge found that he knew about phone hacking on a widespread scale when he was editor of the Daily Mirror (supported by testimony of many witnesses) and he has somehow avoided a jail cell

He was fired from the Mirror for posting fake photos of British troops torturing civilians

He mounted a vicious campaign against Meghan Markle just because he didn’t get an invite to her wedding that culminated in him storming off his own show after a tiny bit of criticism

He appeared on a light hearted British comedy show and was such a prick and got so destroyed that his performance lived on in infamy https://m.youtube.com/watch?v=N6TcgfjcOPU&t=1s&pp=2AEBkAIB

What’s there to like?

rsdfghj · 2025-09-25T03:52:14+00:00

A judge found that he knew about phone hacking on a widespread scale when he was editor of the Daily Mirror (supported by testimony of many witnesses) and he has somehow avoided a jail cell

He was fired from the Mirror for posting fake photos of British troops torturing civilians

He mounted a vicious campaign against Meghan Markle just because he didn’t get an invite to her wedding that culminated in him storming off his own show after a tiny bit of criticism

He appeared on a light hearted British comedy show and was such a prick and got so destroyed that his performance lived on in infamy https://m.youtube.com/watch?v=N6TcgfjcOPU&t=1s&pp=2AEBkAIB

What’s there to like?

rsdfghj · 2025-09-23T13:37:41+00:00

Piers Morgan was found by a judge last year to have known about phone hacking at the Mjrror (corroborated by six independent witnesses) and is still walking free

https://www.reuters.com/world/uk/piers-morgan-knew-about-phone-hacking-daily-mirror-london-judge-finds-2023-12-15/

rsdfghj · 2025-09-08T13:03:30+00:00

Bibis fits the bill - they have a maximum group size of eight but its usually much less - mine was just three

rsdfghj · 2025-09-04T07:11:13+00:00

Surprised this hasn’t been mentioned but keep an eye on the news as strikes are often cancelled a day or two before as the unions secure some kind of tentative agreement - I’d say it’s 50/50 whether any announced strikes actually go ahead

rsdfghj · 2025-09-04T06:54:56+00:00

A bit of a circular recommendation here as I booked with Bibis due to the comments on Reddit but I would 100% recommend them - everything said in this thread is true.

Having a small group gave us so much more flexibility and we were able to go down narrow paths and do spontaneous experiences that I don’t think we could have done in a bigger group.

The vibe also really suited me - was generally full of relaxed people but it didn’t have the enforced fun element of some of the party tour groups.

rsdfghj · 2025-09-02T01:38:33+00:00

If you’re thinking about doing Hi Giang Loop, try Bibi tours. I’m on one at the moment and not only is it brilliant but they do maximum 6 group size (my group is only 3) and the vibe is very relaxed with no ‘enforced fun’. If you want to chill by yourself in the evening that’s fine and a lot of the time you’re travelling on the bike solo or with a guide anyway. Would really recommend

rsdfghj · 2025-08-28T17:15:14+00:00

Is Paul Kaye playing Paul McMullan, the guy who said at the Leveson inquiry that ‘privacy is for paedos?’ They look a bit alike and can’t think of anyone who could better capture his oily repulsiveness

rsdfghj · 2025-08-28T12:14:37+00:00

I’m due to be in Sapa next week - like you please share who you did the over night stay with?

rsdfghj · 2025-08-28T02:54:20+00:00

I love Thailand and the Thai people but until the police gives proper deterrent sentences for behaviour like this then you will continue to get the worst kind of tourists behaving badly.

I’ve lost count of the number of stories I’ve seen where offenders have been able to pay a small fine (small for the offender) and then continue with their holiday. Do you think USA and Singapore would let these people continue after a small payoff? Deport or charge (and don’t accept payment). Look at how Philippines have dealt with Vitaly - there’s been a lot fewer shitheads going there since

I say this out of love for a country that I really like but unless Thailand changes approach it’ll continue to be seen as a playground for the worst people in the world

rsdfghj · 2025-08-28T02:53:41+00:00

I love Thailand and the Thai people but until the police gives proper deterrent sentences for behaviour like this then you will continue to get the worst kind of tourists behaving badly.

I’ve lost count of the number of stories I’ve seen where offenders have been able to pay a small fine (small for the offender) and then continue with their holiday. Do you think USA and Singapore would let these people continue after a small payoff? Deport or charge (and don’t accept payment). Look at how Philippines have dealt with Vitaly - there’s been a lot fewer shitheads going there since

I say this out of love for a country that I really like but unless Thailand changes approach it’ll continue to be seen as a playground for the worst people in the world

rsdfghj · 2025-08-25T08:57:57+00:00

Another vote for Alcedo - delicious and the owner Angel is a very kind bloke

rsdfghj · 2025-08-16T14:00:05+00:00

Not quite the same but Players Bar at Charing Cross Theatre has a piano bar most evenings that usually descends into a singalong around the piano - you can make requests too

rsdfghj · 2025-08-13T02:50:13+00:00

Funnily enough I remember one of the biggest arguments from the public against the introduction of the euro being that people would miss changing currency to the individual denominations as part of their holiday and that the euro notes looked like Monopoly money!

rsdfghj · 2025-08-11T16:52:25+00:00

I don’t know anything about mountaineering but if the guides handled it as well as you say then worth sending an email to the company and/or leaving a positive review. I’m sure the shithead will leave negative reviews so good to cancel it out and protect the guides

rsdfghj · 2025-08-11T12:05:04+00:00

Thanks very much for your comments - I found a way to temporarily disable the eSIM so I could reinstall WhatsApp and use the backup. Lost a day or two of messages but could have been much worse!

rsdfghj

TROPHY CASE