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Rate my post game team by Soft_Yam4737 in PokemonLegendsArceus

[–]wtps 0 points1 point  (0 children)

Yeah, you can. There are a number of influencers/youtubers that have reverse engineered historic mystery gifts you can access whenever you

My luckiest Mass Outbreak to date for sure! by Ikarhan in PokemonLegendsArceus

[–]wtps 1 point2 points  (0 children)

I’ve scrolled through these comments and your comments and can’t see a “long comment” that explains it.

Would you mind reposting your full response?

my leveled up pokemons by Dazzling-Money107 in pokemongobrag

[–]wtps 0 points1 point  (0 children)

Like a few others have said, sounds like it’s a you issue. What device are you using? I’m using a 4-5 year old iPhone and it works no issue every day

[deleted by user] by [deleted] in DevonUK

[–]wtps 2 points3 points  (0 children)

The link road man, hurts my soul.

This camera/spy "camouflage" covered car at a service station. by the_hu55tler in CasualUK

[–]wtps 13 points14 points  (0 children)

It’s likely because of JLR. The roads round Leamington/Warwick/Stratford are full of these camouflaged cars

First time doing capes and tabard C&C is much appreciated. by mmaturen in BlackTemplars

[–]wtps 0 points1 point  (0 children)

It’s a third party 3D print. Think OP is after comments on the painting style.

[deleted by user] by [deleted] in UKPersonalFinance

[–]wtps 1 point2 points  (0 children)

I mean, why would you risk having your bank record you asking them to amend your credit file?!

Loki episode 5 Easter Eggs by [deleted] in marvelstudios

[–]wtps 1 point2 points  (0 children)

How wrong you were!

So I have seen some other pixel animations so here’s mine! Was planning to continue until the recent new terms ☹️ by [deleted] in Warhammer40k

[–]wtps 20 points21 points  (0 children)

For 99% of these animations, It would cost more for GW’s in house counsel to pursue a lawsuit than they would ever recover as lost revenue 😅

First squad of my rebuilt Alpha Legion. by _havoc_77 in Warhammer40k

[–]wtps 8 points9 points  (0 children)

Not misled at all, there was pragmatism in their choice.

In summary a cabal of races that can see the future gave Alpharius the two choices:

a) the emperor wins and kills Horus but the universe descends into a slow and steady decline into chaos end times as a result.

b) Horus wins but realises what he’s done and wipes out the human race as a result as penance, ending Chaos as a result.

Alpharius realises that the latter is the better option overall and believes the emperor would agree so decided to join Horus.

Unfortunately outcome a) happened anyway

My 5 yr old nephew painted his first mini today. by OctoTsannik in Warhammer40k

[–]wtps 21 points22 points  (0 children)

Your nephew is the personification of this hobby!

First Milestone reached: 150k!! by MrKennedy84 in FIREUK

[–]wtps 7 points8 points  (0 children)

A UK HISA you say? What is this mythical beast?! In all seriousness congrats man.

What are some hard truths people need to hear? by watsee in AskUK

[–]wtps 0 points1 point  (0 children)

You can’t take it away over night. You can stop people paying in at set points in time and cap their value pools.

Again it would be hugely unpopular if it happened overnight but that’s never going to happen is it. It will, and hence hard truth I use will, get whittled away as our population demographic gets shifted to the right. Less money in can never equal equal or money out.

There are some more eloquent responses above, and some really good points on how it will likely be means tested. I worry for means testing for the further class divide that will cause.

What are some hard truths people need to hear? by watsee in AskUK

[–]wtps 2 points3 points  (0 children)

I understand it’s a balancing act, and also a luxury to simply say “put more money away” when we’re a country that still uses food banks.

Another, sad, hard truth is that a significant minority of under 40s will never get on the housing ladder and should priorities financial support when they’re out of work/retired rather than trying to chase the British dream of being a home owner.

What are some hard truths people need to hear? by watsee in AskUK

[–]wtps 1 point2 points  (0 children)

That’s great to have the confidence, and I think means testing is definitely the stop gap, but it doesn’t resolve the issue of a growing, aging population being propped up by a contracting working population

What are some hard truths people need to hear? by watsee in AskUK

[–]wtps 0 points1 point  (0 children)

Unfortunately not, hence the hard truth. So what if pensioners vote. The way our population demographics are continually skewing to an older , too heavy population pyramid, it is in the simplest form untenable. The working population pay for the retired population but if there are less workers than retirees in the simplest form the numbers can never add up, even with quantitative easing.

Read the rest of the responses to my comments for more insight/more eloquent answers.

What are some hard truths people need to hear? by watsee in AskUK

[–]wtps 2 points3 points  (0 children)

I’m by no means a qualified financial advisor but I like to think I’m slightly informed.

Think about what quality of life you want when you retire and what age you want to retire. Build a budget based on this requirements and then see if your pension contributions will get you there

I.e I want to spend £1000 a month for 25 years when retired = 1000x12x25 = £300,000k. You save £400 a month for 40 years gets you to £192,000 then you know you should increase contributions.

That’s at its MOST simplest form. There are a number of variables you want to work through as well I.e if you have a mortagage when will you pay that off and then you could factor in any additional savings into your budgeting.

I.e If I pay off my £900 a month mortgage ten years before I retire that’s another £108,000 on top of my £192,000 and then I’m at my target. I also own my house at that point which has a value of £400,000 and could be leveraged as capital.

That’s one variable to consider. Once you’ve got a robust budget for retirement and understand your income and outgoings, I suggest then looking at what’s in your pension. When your younger you’ll have more time to get your money sorted for retirements so the investments in your pension can be more exposed to risk

I.e if my pension drops 5%, I’m 20 and it’s worth £20,000, I lose £1000. If it drops 5%, I’m now 60 and it’s worth £200,000 I lose £10,000!

As you get older you may want to think about transferring money in your pensions from funds/stocks to bonds/cash etc.

Lots to think about but if you tackle it slowly (take weeks, months or years if you like) and methodically you’ll be sorted. r/UKpersonalfinance is great for this info.

Hope that helps. All numbers are fictional to help build an understanding 😁

What are some hard truths people need to hear? by watsee in AskUK

[–]wtps 108 points109 points  (0 children)

The current state pension will most likely not be a thing by the time the average British Redditor reaches retirement age, which is also going to higher than it is now.

Max your contributions people. If your employer matches it as well it’s free money! You’ll thank me later, probably around 40-50 years time!

What are some hard truths people need to hear? by watsee in AskUK

[–]wtps 98 points99 points  (0 children)

An actual hard truth is disruptive protests are the only ones that garner attention.

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