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rob, Sun 1 Apr 2001, 1:00)
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Morning. What's Valentines's Day brought for you? Choc, tea in bed, poke in the eye from a dog's great big hairy nudger?We is doing steak dinner tonight. Aren't I the romantic?
Alt, plans? Daughter all day here, gonna make a good day of it. Play, burgers and dog walking.
Altalt, there was a byelection last night, was anyoneinterested?
(, Fri 14 Feb 2014, 6:52, 113 replies, latest was 11 years ago)
alrightNewswise, I'm more interested in the annuities story.
It's an easy problem to fix.
(, Fri 14 Feb 2014, 7:08, Reply)
yer already read it taAll the FCA have to do is make financial advice at the point of crystallisation compulsory.
And set a blanket adviser charge of, say, 2%. It's pretty bad that annuities escaped the commission ban where sold via non-advised channels.
(, Fri 14 Feb 2014, 7:14, Reply)
I've already had a word with the boss about our company pension schemeAdvisers charge 5% for administering it - I've put him on to another local firm that charge 1.85%. We'll see what happens.
(, Fri 14 Feb 2014, 7:47, Reply)
5% of collective FUA, or individual pots?My firm wouldn't allow any of our IFAs to charge that much.
Are the advisers St James's Place? They're extortionately priced and not whole of market, plus vertically integrated. Lovely marketing though, which is why idiots use them.
(, Fri 14 Feb 2014, 7:51, Reply)
As far as I can make out it's 5% of payments made (sorry, don't know the jargon)(, Fri 14 Feb 2014, 7:58, Reply)
it's standard for that level of charge to be the initial rather than the ongoing.And it would normally come out of the first year's contributions, after which the ongoing charge of 0.75% or so would kick in.
Is it a GPP?
(, Fri 14 Feb 2014, 8:01, Reply)
I'll look into it - I'm eligible to join it so I've got the paperwork to wade through - it's just the 5% that stuck in my craw.(, Fri 14 Feb 2014, 8:04, Reply)
it won't be the ongoing chargeAnd advice is always to join an employer scheme, assuming there's an employer contribution. You don't get tax relief on those, but it's free money.
(, Fri 14 Feb 2014, 8:06, Reply)
Always isAnyhow, the way the retirement age is going up it'll be 25 years before I get to retire.
(, Fri 14 Feb 2014, 8:08, Reply)
That bit's pretty good - 3.5x your actual earnings averaged over the past year... so that includes bonuses/commission.
(, Fri 14 Feb 2014, 8:19, Reply)
oh yer, and triv comm should be raised to 5% or even 10% of the LTA.(, Fri 14 Feb 2014, 8:07, Reply)
and tax relief should be a flat 30%, the current 'highest marginal rate' system is grossly unfair(, Fri 14 Feb 2014, 8:30, Reply)
I don't feel sick today, so I've changed my mind about suicide. I might ask Ladypig to marry me today, might leave it till next week. Dunno. Ring I ordered arrived early and if I don't give it to her soon I'm bound to lose it, or sell it for beer money.
Otherwise, I hope to home early and get the dogs walked and a nice evening dinner on for when she gets back at least.
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Windy Pig I'm naturally quite suspicious about the moon., Fri 14 Feb 2014, 7:10,
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She's made a load of noise about valentines being rubbish, but I'm not stupid I'll get flowers and steak and stuff. Not making that mistake twice.
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Windy Pig I'm naturally quite suspicious about the moon., Fri 14 Feb 2014, 7:20,
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You might not feel sick, but you are clearly unwell.Think about what you're saying.
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JeffTheDogFucker Can you dig it?, Fri 14 Feb 2014, 7:24,
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Are you married Geoffrey? (
Windy Pig I'm naturally quite suspicious about the moon., Fri 14 Feb 2014, 7:27,
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He is married. Just not to the woman he's shagging. (
Fucking hell Jeff I am not a robot, Fri 14 Feb 2014, 7:43,
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In all fairness, Mummy Battered has the larger cock(
sporters I’m sincerely gratitude to you, Fri 14 Feb 2014, 9:11,
Reply)
Alt: work, cleaning the house & eating bacon. Micro is away so no milf play until tomorrow. AltAlt: it concerns me that UKIP seem to be continuing to grow their share of the vote.
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Fucking hell Jeff I am not a robot, Fri 14 Feb 2014, 7:25,
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they're a protest vote thoughBy elections always have results which are distorted. I can't see UKIP getting any MPs at the next general election. Maybe a couple at most.
(, Fri 14 Feb 2014, 7:27, Reply)
By-elections do always contain a proportion of protest voting; but there are two longer term trends - Liberal Democrat decline & UKIP growth, particularly in marginal seats. (
Fucking hell Jeff I am not a robot, Fri 14 Feb 2014, 7:30,
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the Lib Dems are fuckedIf the next parliament is hung, I can see Labour going into coalition with the Lib Dems, minus Clegg and Alexander.
Then again, the LDs will probably lose even more seats than last time.
(, Fri 14 Feb 2014, 7:48, Reply)
If I was an MP it would be a well-hung parliament. (
Fucking hell Jeff I am not a robot, Fri 14 Feb 2014, 7:59,
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By body weight small mammals do have large appendages even if they are only millimetres long(
Naked Ape call me Caitlyn, Fri 14 Feb 2014, 8:01,
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Alexanders a fucking Tory through and through. My mate Ziggy called him and arsehole on Question Time.It was great.
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Peej, Fri 14 Feb 2014, 8:17,
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I think it was because of Alexander's refusal to enter a reasoned and mature debate that caused him to call him an arsehole.(
Peej, Fri 14 Feb 2014, 8:21,
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Mico begins with the letter M, so too does Milf.Just pointing out that Bartleby might get the wrong idea.
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JeffTheDogFucker Can you dig it?, Fri 14 Feb 2014, 7:28,
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UKIP are not growing anything, it concerns me that the electorate choose UKIP to signal their dissatisfaction with the other parties.
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d.r._and_quinch when will you be famous?, Fri 14 Feb 2014, 7:29,
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There's no-one else.I think UKIP are swivel eyed loons (viz the recent 'gays are causing floods' fiasco) but the protest vote used to be LibDem - but as they're (for now) more mainstream there ain't nobody else to vote for.
(, Fri 14 Feb 2014, 7:41, Reply)
You've gone too far this time. I can never forgive you for this. (
Fucking hell Jeff I am not a robot, Fri 14 Feb 2014, 8:01,
Reply)
You need to stripe him up good an proper its the only way he will learn
(, Fri 14 Feb 2014, 8:27, Reply)
Not really that relevant in this instance thoughVery safe Labour seat, he got something like triple the votes of the UKIP chap,
(, Fri 14 Feb 2014, 8:22, Reply)
I hope UKIP continue to grow their share of the vote, particularly in marginal seats.(
tangledupinblue hairy badge with moving eyes, Fri 14 Feb 2014, 8:33,
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As long as he knows how to divide Tory opinion, he's alright by me.(
tangledupinblue hairy badge with moving eyes, Fri 14 Feb 2014, 8:34,
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Would you really trust labour after their economic record over the last years of their parliament?(
Naked Ape call me Caitlyn, Fri 14 Feb 2014, 8:37,
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the longest period of uninterrupted economic growth in the postwar periodBut never mind about that, eh?
(, Fri 14 Feb 2014, 8:52, Reply)
dont mean nuffink when he sold off the gold for 3p to a tribe of native americans he didn't even get Manhattan
(, Fri 14 Feb 2014, 9:13, Reply)
3p was market value at the time, I blame his lack of a magic crystal ball(, Fri 14 Feb 2014, 9:23, Reply)
he kept one eye on future trendspity it was that one.
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The Light in Chains don't touch the Pope's boner, Fri 14 Feb 2014, 10:02,
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it should help Labour activists to rally support and get their supporters down to the polling station to put an X in the box marked 'Ed Miliband'!(, Fri 14 Feb 2014, 8:36, Reply)
Morning Doc, I have had nothing on this 'special' day, which is fine by me.Alt: Work man, work. I'm a killa for the scrilla.
Altalt: No.
In other news, I successfully shaved that face scab off \o/
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MEATSNAKE Richard Hammond, Fri 14 Feb 2014, 7:29,
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Mornin' all. Alt: Today will be a mahoosive cleaning of the house, followed by a nice meal with the G/F, then a film.
Altalt: Interested in that the LibDems got yet another shafting by UKIP (I have no affiliations with UKIP). Other than that I am disappointed in politics and politicians generally, the only way you can tell the cunts apart is by the colour of their ties.
(, Fri 14 Feb 2014, 7:39, Reply)
I'd be a great politicianI have middle class entitlement and dislike, don't understand poor people and northerners
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Naked Ape call me Caitlyn, Fri 14 Feb 2014, 7:58,
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I've only ever had 3 MPsThe first was a guy I knew fairly well. He was principled, honest and outspoken. Of course, his party got rid of HIM. The second one I also knew and used to work with. Wouldn't trust the lying conniving cunt as far as I could spit a live baboon. My present MP is a country lawyer who owns far too much tweed. Only heard him speak once and immediately wanted to stab him in both eyes.
(, Fri 14 Feb 2014, 8:02, Reply)
Yes, clothing and accents are the best things to judge someone on (
Naked Ape call me Caitlyn, Fri 14 Feb 2014, 8:24,
Reply)
I couldn't give a shit about policies or commitment to represent the interests of constituents(, Fri 14 Feb 2014, 8:28, Reply)
Being on the left of the conservatives hardly makes him a rabid pinko(, Fri 14 Feb 2014, 8:37, Reply)
quiteBut I like his pro-European stance. He's (nearly) the voice of reason in the Tory party.
(, Fri 14 Feb 2014, 8:41, Reply)
He's got pretty good taste in music(
tangledupinblue hairy badge with moving eyes, Fri 14 Feb 2014, 8:42,
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Yer, he loves his hard bop(
tangledupinblue hairy badge with moving eyes, Fri 14 Feb 2014, 8:46,
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86 MPs are lawyers - 14% of all MPs.blogs.channel4.com/factcheck/factcheck-who-runs-the-country/13907
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Fucking hell Jeff I am not a robot, Fri 14 Feb 2014, 8:38,
Reply)
which makes senseThe function of the legislature is to make and amend laws.
(, Fri 14 Feb 2014, 8:42, Reply)
I really admire my secret admirers dedicationThey've kept their love for me a secret for yet another year.
Well played ladies, well played.
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Naked Ape call me Caitlyn, Fri 14 Feb 2014, 7:59,
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im bringing your card and flowers round later x(
MEATSNAKE Richard Hammond, Fri 14 Feb 2014, 8:00,
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I'm cooking pulled pork all day to be slathered over 1/2 pound of burgers, bourbon mayo, swiss cheese and salad in a bun.Plans? I'm going to work and laugh at people who's bins have blown away.
Alt Alt, Don't care in the slightest.
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Peej, Fri 14 Feb 2014, 8:20,
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Christ who set dozer off on pension chat?(
tangledupinblue hairy badge with moving eyes, Fri 14 Feb 2014, 8:36,
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yeah cos politics chat is soooo much better(
MEATSNAKE Richard Hammond, Fri 14 Feb 2014, 8:40,
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he's going on 2.0 til he shuts up at this rate (
rachelswipe with a fork, Fri 14 Feb 2014, 8:38,
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actually that should be standard with him...(
rachelswipe with a fork, Fri 14 Feb 2014, 8:38,
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Whilst you are a fucking idiot, I agree with you on this. (
Fucking hell Jeff I am not a robot, Fri 14 Feb 2014, 8:42,
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No one loves you and you're going to die alone waiting for someone that has no plans to turn up (
Naked Ape call me Caitlyn, Fri 14 Feb 2014, 8:49,
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Valentines will be tonight. I'll get home, binge on her minge, then out with the lads.
(, Fri 14 Feb 2014, 9:04, Reply)
Are you buying her some more fanny wipes?(
Fucking hell Jeff I am not a robot, Fri 14 Feb 2014, 9:08,
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Hey, I've had my February hosedown(
sporters I’m sincerely gratitude to you, Fri 14 Feb 2014, 9:37,
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A good kip and 9p bagelsAlt:
Plans for today are as little as I can get away with, followed by meat and beer
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sporters I’m sincerely gratitude to you, Fri 14 Feb 2014, 9:18,
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Is that like a 1p ghost?(
tangledupinblue hairy badge with moving eyes, Fri 14 Feb 2014, 9:25,
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Y'know what, sporters?You ought to start a new thread.
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tangledupinblue hairy badge with moving eyes, Fri 14 Feb 2014, 9:41,
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You know what?I just might
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sporters I’m sincerely gratitude to you, Fri 14 Feb 2014, 9:42,
Reply)
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