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I think we’re about to lose a much-loved relative
My partner’s gran is 81 and has been suffering dementia for the last couple of years but the disease’s progression has ramped up drastically over the last few weeks. She has lost the ability to speak or sit up, has gone into the foetus position and now has pneumonia. I really hope she doesn’t recover. This would be a merciful relief if she died now. We’re all a bit broken at the moment.
(, Sun 22 Dec 2024, 18:57, Reply)
I'm really sorry to read that.
My grandma and great aunt both died in much the same way. It was awful, but kind of a relief that the suffering was over.

I hope no-one suffers too much.
(, Sun 22 Dec 2024, 19:28, Reply)
afternoon

(, Sun 22 Dec 2024, 13:12, Reply)
How's it going?

(, Sun 22 Dec 2024, 13:57, Reply)
alrite mr bollocks

(, Sun 22 Dec 2024, 14:06, Reply)
,yeah ok I think

(, Sun 22 Dec 2024, 18:30, Reply)
ANUS CHEDDAR

(, Sun 22 Dec 2024, 14:01, Reply)
you won't regret it

(, Sun 22 Dec 2024, 14:06, Reply)
RINGPIECE ROQUEFORT

(, Sun 22 Dec 2024, 14:47, Reply)
CLOACAZOLA

(, Sun 22 Dec 2024, 15:06, Reply)
BUMHOLE BOURSIN

(, Sun 22 Dec 2024, 15:37, Reply)
ARSEHOLE ASIAGO

(, Sun 22 Dec 2024, 15:39, Reply)
EGRESS EDAM

(, Sun 22 Dec 2024, 15:40, Reply)
It's the guffcheese that's made backwards!

(, Sun 22 Dec 2024, 15:42, Reply)
GUFFBOX GLOUCESTER

(, Sun 22 Dec 2024, 15:41, Reply)
GOOCH GOUDA

(, Sun 22 Dec 2024, 16:47, Reply)
πŸ₯³

(, Sun 22 Dec 2024, 17:46, Reply)
That's Numberwang!

(, Sun 22 Dec 2024, 18:26, Reply)
Fuck you, MiseryCunt, fuck you

(, Sun 22 Dec 2024, 15:00, Reply)
Hello

(, Sun 22 Dec 2024, 15:45, Reply)
Holy shit my B3ta account is old enough to drink 😐

(, Sun 22 Dec 2024, 15:46, Reply)
Hahaha, old
wait, shit
(, Sun 22 Dec 2024, 15:57, Reply)
Lold

(, Sun 22 Dec 2024, 16:17, Reply)
Mine is very nearly old enough to drink
in America.
(, Sun 22 Dec 2024, 16:10, Reply)
OoooooOOOh, get you
You can get one of those BuzzBalls that taste like battery acid
(, Sun 22 Dec 2024, 16:19, Reply)
Hi Alan

(, Sun 22 Dec 2024, 17:47, Reply)
Oh herro, sorry I don't recognise your name

(, Sun 22 Dec 2024, 17:49, Reply)
It’s arseboon dilbaro

(, Sun 22 Dec 2024, 18:19, Reply)
It's Adolpho 'Shabba Doo' Quinones

(, Sun 22 Dec 2024, 18:22, Reply)
K

(, Sun 22 Dec 2024, 18:25, Reply)
Fuck you

(, Sun 22 Dec 2024, 18:30, Reply)
Don't threaten me with a good time
Starlight?
(, Sun 22 Dec 2024, 18:48, Reply)
Well Jesus fucking Christ

(, Sun 22 Dec 2024, 18:34, Reply)
Well it is Christmas
Thought I'd treat you x
(, Sun 22 Dec 2024, 18:47, Reply)

isitchristmas.com/
(, Sun 22 Dec 2024, 18:57, Reply)
Afternoon

(, Sun 22 Dec 2024, 16:30, Reply)
evening

(, Sun 22 Dec 2024, 17:23, Reply)
Alreet

(, Sun 22 Dec 2024, 17:47, Reply)
Harrison Van-Pooss has entered the chat

(, Sun 22 Dec 2024, 18:38, Reply)
morning

(, Sun 22 Dec 2024, 7:56, Reply)
no thanks
i'll wait for afternoon
(, Sun 22 Dec 2024, 8:17, Reply)
C u later m8

(, Sun 22 Dec 2024, 8:25, Reply)
What again?
We had one of those yesterday
(, Sun 22 Dec 2024, 8:36, Reply)
smegg nogg

(, Sun 22 Dec 2024, 9:18, Reply)
morning, just made a Yule Log

(, Sun 22 Dec 2024, 9:36, Reply)
morning, still firing from last night weeeeeeeeeeee

(, Sun 22 Dec 2024, 9:49, Reply)
Might watch Nuns on the Run later

(, Sun 22 Dec 2024, 9:59, Reply)
I watched AD/BC A Rock Opera last night as I do every xmas
House of Fools Xmas Special l8r
Trading Places for NYE
(, Sun 22 Dec 2024, 10:18, Reply)
i'm watching monty python's flying circus

(, Sun 22 Dec 2024, 10:28, Reply)
Summer is i-comen in!
That's the shortest day out the way, now look we forward to the glories of ever longer evenings and the brightening days.
(, Sun 22 Dec 2024, 10:34, Reply)
what a positive comment
you alright?
(, Sun 22 Dec 2024, 10:42, Reply)
Yes, I am filled with a boundless joy
Glory and trumpets! Hip hip, hurray!
(, Sun 22 Dec 2024, 11:26, Reply)
Hope everyone’s checked their rings this morning

(, Sun 22 Dec 2024, 11:27, Reply)
Morning. I've taken a few days of annual leave so will be using my personal account rather than my work account.
Please note this means I will be unable to respond to gazzes to my work account until 30/12/24.
(, Sun 22 Dec 2024, 11:44, Reply)
GREAT CHRISTMAS BANTER

(, Sat 21 Dec 2024, 21:03, Reply)
textbook Great Forum Banter

(, Sat 21 Dec 2024, 22:34, Reply)
I had high hopes for my mould thread. :(

(, Sat 21 Dec 2024, 22:49, Reply)
Have you considered joining the British Mycological Society?
I was going to, but was put off by the hyphae.
(, Sat 21 Dec 2024, 23:45, Reply)
Bleach
Watered down bleach in an old spray bottle. It's dirt cheap, and keeps the mould off the grout.
(, Sun 22 Dec 2024, 8:36, Reply)
I heard doing that encourages mould.

(, Sun 22 Dec 2024, 15:00, Reply)
Bad time of day.
If you try again in about 36 hours, nobody will even notice it's a repost.
(, Sun 22 Dec 2024, 11:00, Reply)
MOULD
Have you found unexpected mould recently? I have. I've been using the Cillit Bang Cillit Bang Cillit Cillit Cillit Bang Mould spray, seems to do the job but makes the house smell like a swimming pool. What are you lesser cunts doing about yours?
(, Sat 21 Dec 2024, 19:26, Reply)
No mould here
But if there was, I would contact the housing authority and get them to fix it
(, Sat 21 Dec 2024, 20:06, Reply)
that pornoguesser thing in the newsletter
reminded me of when I was browsing porn and found a video that had been filmed in the former Sierra Leone embassy in central London. They were fucking on the stairs and I was a bit worried for them because I knew the cast iron ballustrade was incredibly weak
(, Sat 21 Dec 2024, 15:31, Reply)
Adds to the excitement

(, Sat 21 Dec 2024, 16:14, Reply)

it r
(, Sat 21 Dec 2024, 16:16, Reply)
Lol ballus

(, Sat 21 Dec 2024, 16:21, Reply)
LOL trade

(, Sat 21 Dec 2024, 17:39, Reply)
lol ass

(, Sat 21 Dec 2024, 17:42, Reply)
LOL
lust
(, Sat 21 Dec 2024, 17:49, Reply)
lol wasabi
ouch
(, Sat 21 Dec 2024, 18:21, Reply)
Also, balustrade has only one L

(, Sun 22 Dec 2024, 7:52, Reply)
Good afternoon, you sorry bunch of spastics

(, Sat 21 Dec 2024, 12:17, Reply)
afternoon

(, Sat 21 Dec 2024, 12:31, Reply)
yo

(, Sat 21 Dec 2024, 12:49, Reply)
yo

(, Sat 21 Dec 2024, 14:25, Reply)
Afternoon
Successfully wrangled the mental onto a train to Ely. I can relax until Christmas eve.
(, Sat 21 Dec 2024, 12:31, Reply)
I'm feeling good today
my mrs is sick in bed

might go on a billy bender

lol bender
(, Sat 21 Dec 2024, 12:51, Reply)
Your Mrs is sick in bed? Yeah, we all know...
...that thing she does with her tongue tho 😍
(, Sat 21 Dec 2024, 14:03, Reply)


(, Sat 21 Dec 2024, 14:58, Reply)
so well known this forum is named after it!

(, Sat 21 Dec 2024, 15:19, Reply)
Or
bender up/down japper

Whichever upsets/pleases you more
(, Sat 21 Dec 2024, 14:07, Reply)
I'm going to my mate's
Christmas drinks
(, Sat 21 Dec 2024, 14:26, Reply)
might have a grog later
not had a drop since Monday, which is more impressive than it sounds
(, Sat 21 Dec 2024, 14:59, Reply)
She's rather fond of brandy and baileys lately
And she's paying, so that's what we'll be having
(, Sat 21 Dec 2024, 15:06, Reply)
Brandy and amaretto is fantastic
I believe it's called a French Connection. Maybe it's because it gets you 'fcuk'-ed up LOLOLOLOL
(, Sat 21 Dec 2024, 16:14, Reply)
Putting the 'eggy' in 'smeggy', right here. BELIEVE.

(, Sat 21 Dec 2024, 12:32, Reply)
looks like my landlord is going to have to replace the roof here
merry christmas dude, unlucky

he's a decent fellow, I feel sorry for him, nice that it's not on me for a change tho
(, Sat 21 Dec 2024, 12:52, Reply)
btw your rent's going up

(, Sat 21 Dec 2024, 14:26, Reply)
just signed new tenancy agreement so if it is, it can't be until the end of next year
in fairness we're paying a good Β£500 a month under market rate anyway
(, Sat 21 Dec 2024, 15:00, Reply)
Shit, I remember when 500 a month was the market rate
I'm so glad I had a stable enough income to buy a place in the first housing crash of my adult life. I could not afford to rent now.
(, Sat 21 Dec 2024, 15:06, Reply)
^ rent boy

(, Sat 21 Dec 2024, 14:51, Reply)
Instead of shitposting on beeter dot com I’m donating to charity
and this is to guilt-trip you all into doing the same
(, Sat 21 Dec 2024, 12:54, Reply)
it won't work

(, Sat 21 Dec 2024, 12:57, Reply)
The entire population of Runcorn, you mean

(, Sat 21 Dec 2024, 13:12, Reply)
I'm donating some of this to the brb foodbank
static.independent.co.uk/2021/01/13/09/shutterstock_editorial_813815a.jpg?quality=75&width=1200&auto=webp
(, Sat 21 Dec 2024, 13:08, Reply)

b3ta.com/talk/8433595
(, Sat 21 Dec 2024, 13:11, Reply)

b3ta.com/talk/8433596
(, Sat 21 Dec 2024, 13:13, Reply)
-f +m
-b+w

I've never had a mood wank but I hear good things!
(, Sat 21 Dec 2024, 13:49, Reply)
lol

(, Sat 21 Dec 2024, 15:34, Reply)
^

(, Sat 21 Dec 2024, 16:41, Reply)
I wanted to donate blood
But I can't, because I'm anaemic.
(, Sat 21 Dec 2024, 15:07, Reply)
-nem +spst

(, Sat 21 Dec 2024, 16:43, Reply)
*belms*

(, Sat 21 Dec 2024, 19:16, Reply)
morning

(, Sat 21 Dec 2024, 7:34, Reply)
morning sw

(, Sat 21 Dec 2024, 8:43, Reply)
fuck off then

(, Sat 21 Dec 2024, 9:29, Reply)
Smeggy smeggy smeg smeg

(, Sat 21 Dec 2024, 8:56, Reply)
Smegg

(, Sat 21 Dec 2024, 9:45, Reply)
A little present for everyone under the tree

.!, .!,
~ 6 ~ ~ 6 ~
. ' i ` .-^-. ' i `
_.|,_ | | / .-. \ | |
'|` .|_|.| (-` ) | .|_|.
/ \ ___)_(_|__`-'__|__)_(______
/`,o\)_______________________o_(
/_* ~_\[___]___[___]___[___[_[\`-.
/ o .'\[_]___[___]___[___]_[___)`-)
/_,~' *_\_] [_[( (
/`. * *\_] [___\ _\
/ `~. o \] ;( ( ; [_[_]`-'
/_ * `~,_\ (( )( ;(; [___]
/ o * ~'\ /\ /\ /\ /\ [_[_]
/ * .~~' o\ ||_||_||_|| [___]
/_,.~~'` * _\_||_||_||_||___[_[_]_
/`~.. o \:::::::::::::::::::::\
/ * `'~.. * \:::::::::::::::::::::\
/_ o ``~~.,,_\=========\_/========='
/ * * ..~'\ _|_ .-_--.
/* o _..~~`'* o\ ( (_) )
`-.__.~'`' * ___.-' `----'
":-------:"
bollocks \_____/


(, Fri 20 Dec 2024, 19:43, Reply)
Cheers, Trouser, Cheers.
By the way does anyone know a working method of overlaying transparent gifs over each other on the board? I've tried a few ways that work in preview but the code is shredded when I post.
(, Fri 20 Dec 2024, 20:06, Reply)
Have you tried CIIJASIIE?

(, Fri 20 Dec 2024, 21:41, Reply)
Literally the first thing I tried.

(, Fri 20 Dec 2024, 21:52, Reply)
aww thank you! it's what i've always wanted

(, Sat 21 Dec 2024, 6:30, Reply)
Baubles

(, Sat 21 Dec 2024, 7:48, Reply)
back once again for the renegade plasterer

(, Fri 20 Dec 2024, 18:07, Reply)
D for drywall, with the drill behaviour

(, Fri 20 Dec 2024, 18:17, Reply)
^ face like a plasterer's radio

(, Fri 20 Dec 2024, 18:23, Reply)
If it's new threads ye want, ye shall ha' em, by God!
Srsly, brb, I thought it was a faux pas to post a new thread too soon after the old one?
(, Fri 20 Dec 2024, 15:58, Reply)
brb has all the best posters on ignore so he can't see my threads

(, Fri 20 Dec 2024, 16:01, Reply)
Cool, I could do with some new threads.

(, Fri 20 Dec 2024, 16:04, Reply)
This is dangerously close to a threadrush

(, Fri 20 Dec 2024, 16:08, Reply)

Srsly, Fuck off
(, Fri 20 Dec 2024, 16:16, Reply)
BIG FAT BOLLOCKS

(, Fri 20 Dec 2024, 16:19, Reply)
HOORAY FOR BIG FAT BOLLOCKS
DO DO DE DO DO DO DE DO
(, Fri 20 Dec 2024, 16:40, Reply)
I forgot about that cunt!! You've ruined Christmas!!
Just logged out to see what tripe he is spouting now... for an 'intelligent' person, he states RIP in peace?? What do you think the IP stands for you spacker, you can't say Hitler!
(, Fri 20 Dec 2024, 16:44, Reply)
Iptler!
i think rip in peace is an old talk meme tho
(, Fri 20 Dec 2024, 16:46, Reply)
Well don't I feel a bloody fool
:(
(, Fri 20 Dec 2024, 16:50, Reply)
:(

(, Fri 20 Dec 2024, 16:53, Reply)
Complains I am unitelligent
proceeds to log out to read posts, ignorant of the right click menu in his own browser, Trouser.
(, Fri 20 Dec 2024, 17:18, Reply)
I like this

(, Fri 20 Dec 2024, 18:18, Reply)
How does Miles Davis like his steak?
Kind of blue!!!
(, Fri 20 Dec 2024, 17:04, Reply)
Washed down with a flagon of Bitches Brew

(, Fri 20 Dec 2024, 17:13, Reply)
Yes, more threads by fewer racists, please.

(, Fri 20 Dec 2024, 17:18, Reply)
This would appear to be at odds with your repeatedly stated aim of killing this place.

(, Fri 20 Dec 2024, 18:46, Reply)
You may question my tactics and logic,
but you can't question my results.
(, Fri 20 Dec 2024, 19:00, Reply)
Without a control messageboard you haven't tried to destroy, your results are meaningless.
Oh no wait, there are. /board and /links have been withering and dying for years too, so there's no good evidence that you're any more effective than a placebo.
(, Fri 20 Dec 2024, 19:39, Reply)
A 20% fall isn't insignificant, even if you're too thick to recognise meaning.
I think I'm more effective than post-2003 Placebo.
(, Fri 20 Dec 2024, 20:01, Reply)
It's not the significance I'm questioning,
it's whether you actually had any causal effect. I doubt it, and you have a penchant for self-aggramdisement so your assessment is too tainted by bias to be reliable.
(, Sat 21 Dec 2024, 9:00, Reply)
...are you mohafa?
I assume most people get my jokes, except mohafa. And I thought I'd got rid of him.
(, Sat 21 Dec 2024, 15:14, Reply)
lol

(, Sat 21 Dec 2024, 16:16, Reply)
God damn it.

(, Sat 21 Dec 2024, 17:59, Reply)
Seriously though, if the same 3 dull cunts on my ignore list are the only ones left posting new threads here
then this place is already dead.

RIP in peace /talk. You were toxic and shit.
(, Fri 20 Dec 2024, 15:15, Reply)
If you're going to flounce, do it quietly.
Otherwise you're no better than that moron from South Africa who keeps coming back like herpes does. Or so I've heard. I wouldn't know, of course.

I don't know what your problem is with /talk, it's been roughly the same low standard for more than 20 years now. If you're only just realising that then maybe the shittiness was within you all along.
(, Fri 20 Dec 2024, 15:29, Reply)
Perhaps the real shitness was the friends we made along the way?

(, Fri 20 Dec 2024, 16:10, Reply)
Friends?

(, Fri 20 Dec 2024, 16:19, Reply)
Over the years I have come to regard you all as people I met.

(, Fri 20 Dec 2024, 17:13, Reply)
Fuck off brb

(, Fri 20 Dec 2024, 17:15, Reply)
MORE THREADS FOR US, AARDVARK! <3

(, Fri 20 Dec 2024, 17:05, Reply)
You don't seem to understand the concept of flouncing
despite having been a b3tan for quite some time.
(, Fri 20 Dec 2024, 17:10, Reply)
You were talking like you were building up to a flounce
but then you didn’t flounce, and now I have to try to pretend I’m not disappointed.
(, Fri 20 Dec 2024, 17:47, Reply)
My posts have such emotional intensity, I know.

(, Fri 20 Dec 2024, 19:07, Reply)
he just wants a reaction
put the little cunt on ignore and move on
(, Fri 20 Dec 2024, 19:32, Reply)
Feel free to fuck off and never come back :-)

(, Fri 20 Dec 2024, 17:04, Reply)
Cheers, Trouser.

(, Fri 20 Dec 2024, 17:10, Reply)
afternoon

(, Fri 20 Dec 2024, 13:25, Reply)
I'm feeling better today after a written off week
now mrs smegwin is feeling ill

eff eff ess
(, Fri 20 Dec 2024, 13:36, Reply)
I've had a couple of cheeky ports lol

(, Fri 20 Dec 2024, 14:19, Reply)
le havre and st malo always seemed a bit risqué

(, Fri 20 Dec 2024, 14:38, Reply)
That's nothing compared to Hong Kong

(, Fri 20 Dec 2024, 16:20, Reply)
I'll bet you have m8
en.wikipedia.org/wiki/Stephen_Port
(, Fri 20 Dec 2024, 14:58, Reply)
He's dreamy innee

(, Fri 20 Dec 2024, 15:39, Reply)
Alien:Isolation and Skyrim are supposed to be the best Switch ports.

(, Fri 20 Dec 2024, 15:53, Reply)
I caned skyrim (lol rim) on the xbox and have no intention of playing it again
Didn't like Isolation when it was on Game Pass.

If I hadn't already played both Ori games on xbox I'd get that on switch.

I reckon nintendo consoles are for their first party stuff anyway.
(, Fri 20 Dec 2024, 16:00, Reply)
The Ori games are amazing tho.

(, Fri 20 Dec 2024, 16:03, Reply)
Yeah, beautiful graphics but absolutely nails
But as per skyrim, no intention of playing again from scratch.
(, Fri 20 Dec 2024, 16:07, Reply)
nails?

(, Sat 21 Dec 2024, 11:24, Reply)
alien isolation is too scarwie for me

(, Fri 20 Dec 2024, 16:50, Reply)
found out I'm working new year's eve :(

(, Fri 20 Dec 2024, 14:37, Reply)
new year's eve is shite anyway m8
I'm going to go out for a nice lunch then peg it home before all the wankers come out
(, Fri 20 Dec 2024, 14:58, Reply)
peg lol

(, Fri 20 Dec 2024, 15:06, Reply)
...then log on to /chat to avoid interacting with wankers

(, Fri 20 Dec 2024, 15:36, Reply)
LOL log

(, Fri 20 Dec 2024, 15:36, Reply)
me too son. me too.

(, Fri 20 Dec 2024, 16:41, Reply)
Afternoon
That’s me finished for crimbs, might have some nommy nommy nom noms

god I hate myself for that
(, Fri 20 Dec 2024, 15:08, Reply)
Nommy nommy nom noms
Chrimble power!
(, Fri 20 Dec 2024, 15:37, Reply)
hola smeg-lord's
it's the most, wonderful time, of the year

not really lol
(, Fri 20 Dec 2024, 10:47, Reply)
Smegnog

*klaxon etc*
(, Fri 20 Dec 2024, 11:05, Reply)
alright, just treated myself to a Switch OLED

(, Fri 20 Dec 2024, 11:07, Reply)
I see you as more of a sub TBH.

(, Fri 20 Dec 2024, 11:18, Reply)
I'm a power bottom m8

(, Fri 20 Dec 2024, 11:20, Reply)
If this is your first Switch I can offer some game recommendations.
If it's just an upgrade from an older model, you don't need my help and you can fuck off or something, I don't know.
(, Fri 20 Dec 2024, 11:32, Reply)
It is indeed my first Switch, but I know my gaming onions so don't need any recommendations.
Thanks though.

Ordered Metroid Prime remastered, when the console arrives I'll get Mario Kart 8, plus the Advance Wars reissue. Further down the line will get both Zeldas, and Metroid Dread.
(, Fri 20 Dec 2024, 11:40, Reply)
Bin them all and get Slay the Spire.

(, Fri 20 Dec 2024, 11:42, Reply)
oh my fucking god yes
and the dlc
(, Fri 20 Dec 2024, 16:50, Reply)
Yep, that should keep you happy for a long time. You clearly do know your onions.
Both Zeldas are amazing and will get you 100 hours or more of gameplay each. I recommend BotW first, and not playing them back-to-back or it might get too repetitive. So get BotW now, is what I'm saying.

Also Mario Odyssey is an absolute belter.
(, Fri 20 Dec 2024, 11:46, Reply)
Yeah, Breath of the Wild once I've finished Metroid Prime
Hopefully Switch games will get cheaper once the Switch 2 comes out.
(, Fri 20 Dec 2024, 11:50, Reply)

alright, just treated myself to a Switch people are you re-eady? Bo! +
www.youtube.com/watch?v=TxiKw5bPmto&ab_channel=DISCOANONYMOUS
(, Fri 20 Dec 2024, 13:35, Reply)
Oled Jones

(, Fri 20 Dec 2024, 14:19, Reply)
Gary Oledman

(, Fri 20 Dec 2024, 16:21, Reply)
Hello

(, Fri 20 Dec 2024, 13:46, Reply)
hello smashywashiewoo

(, Fri 20 Dec 2024, 16:54, Reply)
morning

(, Fri 20 Dec 2024, 7:39, Reply)
morning
Last day at work before the crimble hollibobs
(, Fri 20 Dec 2024, 7:59, Reply)
That's you on Santa's naughty list for the rest of time.

(, Fri 20 Dec 2024, 8:08, Reply)
It’s what I deserve to be fair

(, Fri 20 Dec 2024, 8:09, Reply)
I'm in for a half day on monday, then it's a lash up at Trotter's Bar.

(, Fri 20 Dec 2024, 8:32, Reply)
Don’t forget to make a face

(, Fri 20 Dec 2024, 8:38, Reply)
morning festive fridays

(, Fri 20 Dec 2024, 8:02, Reply)
Last day at work woo yay!!!

(, Fri 20 Dec 2024, 9:00, Reply)
bollocks

(, Fri 20 Dec 2024, 9:10, Reply)
Fucking hell! I got a redirected letter through yesterday
addressed to my deceased friend. It was from Royal London Insurance complaining that her policy was nearly Β£2k in arrears. This is the first I've heard about her policy - no paperwork in among her things, no communications until now, two years after she died.

Anyway. Called them up, she only had a fucking life insurance policy!!! Christ, her unplesant family are lucky cunts. I have no idea how much will be coming in but it looks like 2025 is going to be a good year for some rather horrible people.

Don't think I wasn't tempted to just pocked the money, I mean, seriously, nobody would know, but we'd be talking serious prison time for that kind of thing. I called the solicitors straight away to let them know so as to stop me being tempted when the cheque arrives!
(, Fri 20 Dec 2024, 9:29, Reply)
How long ago did she die?

(, Fri 20 Dec 2024, 9:51, Reply)
Two years now, but the policy was probaby up to date at the time of her death
I suspect she took out the policy when she remortgaged - they often ask for proof there's enough to cover the debt in case of death. If it was all done online that's why there wasn't any paperwork for me to find. I have no idea. I'll put in a claim and see what turns up.

It was fucking tempting to bin the letter in a fuck you to the rude cunts the money would go to. Nobody woud have ever known, but one of the beneficiaries has been polite to me so I'll do right by her.

I recon each one will get a five-figure bonus because of this, even after tax.
(, Fri 20 Dec 2024, 9:58, Reply)
If it was paid up at time of death, and cause of death was within policy conditions then it should pay out.
Protection isn't really something I deal with much, rich people don't tend to need it.
(, Fri 20 Dec 2024, 11:05, Reply)
There should be a 'Claims may be forfeited in the event of egregious cuntery' clause.

(, Fri 20 Dec 2024, 10:05, Reply)
The lovely woman at the solicitors was indignant! She said that I deserved the money for all the work I've done, we laughed, but it was a bit close to the bone!
They deal with quite a lot of difficult people but she told me even they are astonished at how awful my friend's family has been behaving. That they're getting EVEN MORE MONEY is a direct challenge to karma itself.
(, Fri 20 Dec 2024, 10:33, Reply)
I mean, life is just as full of idiots and arseholes who are immensely successful and have done nothing to deserve it
as it is full of decent people who are screwed over at every turn.
(, Fri 20 Dec 2024, 10:37, Reply)
Yeah, but I'm not usually such a clear and transparent conduit for the activity
I contacted an insurance company and have set in place a claim for tens, possibly hundreds of thousands of pounds that I'll pass directly over to a bunch of people who loathe me and I detest (well, two of the three - one of them has been perfectly civil to me and actually shown some gratitute for the hours of free work I've done).

The only thing that's made me feel like I'm doing something constructive is the knowledge that the 40% inheritance tax will go towards the greater good. AND that the beneficiaries are spitting nails that there is tax to pay on the estate so that's doubly good!
(, Fri 20 Dec 2024, 11:05, Reply)
If the policy was in trust then there probably won't be any inheritance tax to pay
Soz to burst your bubble.
(, Fri 20 Dec 2024, 11:06, Reply)
Nop. I ased and whilt they could not tell me how much the policy was for
it wasn't in trust - there were no named beneficiaries. I asked that straight away because I'm not wasting my time sorting out any funds that don't become part of the estate.

I learned that early on.
(, Fri 20 Dec 2024, 11:18, Reply)
Fair, bad planning tho for it not to be in trust

(, Fri 20 Dec 2024, 11:21, Reply)
Yeah, so many people don't realise it's something *anyone* can do, so they get mad at "rich people" for it.
It's a matter of education really. Sad.
(, Fri 20 Dec 2024, 11:32, Reply)
Some knob on here wondered how it was possible to have got like 6% growth or something in a pension
When you can't get that from cash.
(, Fri 20 Dec 2024, 11:36, Reply)
...one of my pension funds has gone up 8% since March.

(, Fri 20 Dec 2024, 11:41, Reply)
Indeed!

(, Fri 20 Dec 2024, 11:55, Reply)
That one's heavily invested in US tech stocks and korean superconductors etc
There's no way Microsoft, Visa, Nvidia, and Applied Materials are going to go tits up.
(, Fri 20 Dec 2024, 11:59, Reply)
Mine's sitting at around £20bn, 107% over-funded. Excellent.

(, Sat 21 Dec 2024, 13:41, Reply)
I don't think she gave a fuck, to be honest
and I can't blame her. She wasn't close to her family and she had no dependents or partner so why bother? If I were her I'd have cancelled the insurance immediately after getting the mortgage.
(, Fri 20 Dec 2024, 11:54, Reply)
Single people don't need term assurance
If they die with an outstanding mortgage the lender will just take possession and sell it. Remaining funds would go to estate.
(, Fri 20 Dec 2024, 11:56, Reply)
When I was single and got my mortgage I had to demonstrate it'd be paid in the event of my death
I remember other friends having to do the same. Mortgage companies don't like the idea of the estate being unable to cover the cost of the mortgage which could easily happen if there were other debts, the property had fallen into disrepair etc. I guess it could depend on the lender though.
(, Fri 20 Dec 2024, 12:01, Reply)
Depends on the lender
Interest Only mortages have 'sale of property' as a valid capital repayment plan, dunno why C&I ones can't have the same thing.

In any event, like I said, if the borrower dies and there's no TA in place then they just take possession and sell. Easier for all parties for that not to happen, and decreasing term is so cheap it's a no brainer

Still, these things do happen.
(, Fri 20 Dec 2024, 12:07, Reply)
So, if there are greater claims on the estate than realisation of assets will achieve
how does it work? Wasn't anywhere near an issue with the estate I wound up as the mortgage was Β£40k, other debts about Β£6k and we got in Β£190k from death in service and a further Β£250k from the sale of the house.

If, say, the property had a mortgage of Β£200k, but had to be sold for Β£180k and there were Β£20k in debts, what happens then? I'm guessing there would be nothing to pay to the beneficiaries but what's the hierarchy of creditors? What if there were legal fees?

I'm just curious.
(, Fri 20 Dec 2024, 13:09, Reply)
Dunno

(, Fri 20 Dec 2024, 14:20, Reply)
Don't worry, they will piss it away most likely, and not truly benefit from it in the long term.

(, Fri 20 Dec 2024, 11:30, Reply)
Of the five siblings only two are still alive
all died relatively young. Not sure if it's bad genes or shit childhool leading to adiction or whatever but I'd not describe any as particularly balanced or pleasant people, apart from my friend who was lovely, buy we kept finding empty wine bottles hidden around the house when we cleared it out, her alcohoism had gotten really bad. One of the beneficiaries didn't stay alive long enough to get any of the money.
(, Fri 20 Dec 2024, 11:58, Reply)
Your dad wanks on all fours

(, Fri 20 Dec 2024, 9:57, Reply)
How? You need a hand free so, erm...

(, Fri 20 Dec 2024, 9:59, Reply)
You mean you haven't tried getting on all fours and rubbing your bellend on the floor to get yourself off?
It's called floorking, and everyone's doing it.
(, Fri 20 Dec 2024, 10:17, Reply)
I’m floorking as I type this

(, Fri 20 Dec 2024, 10:27, Reply)
Speech to text, I guess?

(, Fri 20 Dec 2024, 10:31, Reply)
Using my bollocks to type

As opposed to typing bollocks
(, Fri 20 Dec 2024, 10:52, Reply)
floorking hell

(, Fri 20 Dec 2024, 16:43, Reply)
Floor Kings sounds like a b-boy crew, I AM JUST SAYING

(, Fri 20 Dec 2024, 10:46, Reply)
Can they do the helicopter?

(, Fri 20 Dec 2024, 11:01, Reply)
Dunno ask your dad.

(, Fri 20 Dec 2024, 10:32, Reply)
Morning

(, Fri 20 Dec 2024, 10:05, Reply)

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