resk

I think inheritance isn't compulsory though. Ie. you can refuse it.

I think (thought?) I had a decent memory of our players from nearly forty years of going to Pittodrie, but absolutely no recollection of McCulloch or Souter!

Is it going to be 5% for the next three decades though? Over the long term, stocks and shares have always out-performed cash.

Once money is in an ISA all gains are tax-free. Pension access age for pension pots (private or workplace) is 55 but rises to 57 in 2028. It might creep up a bit over the decades, but I can't see it ever being the same as state pension age.

Probably just there for the snorkelling.

McIntyre on Sunday - "Rangers v Aberdeen in the League Cup Final, and we're guaranteed a cracking game today." Aren't cup finals usually pretty shite? This one definitely was (granted, I'm biased). He must be so continually disappointed when every match doesn't turn out to be the best game ever.

Inheritance tax is a funny one. The thresholds are so high for actually paying it (if you die married and own your own home it can be £1m, and this excludes pensions) that only 4% of estates actually pay it. But it's become this widely hated thing for people that will never even get close to having to pay it. Seems like another example of Tory c***s and their complicit media convincing the idiot public that they should oppose something that is actually good for them, like the EU. Whatever happens today won't affect the way I vote in the next election, no. Even if the Tory government do something that might be to my own personal benefit, I don't vote for them. f**k that.

The Channel Four brains trust at half time in the England v Malta game last night were having a right laugh about how if a Maltese player had scored an early chance they'd be "building a statue to him". They were one nil up after a jammy own goal. Fucking arrogant c***s.

It's match day! It's the second game in four days between these two teams, after the Dons won 4-0 in the league at Pittodrie on Sunday. That result probably means we are the favourites to win tonight. Media coverage is limited (a bit like coverage on here) but there's some radio coverage tonight of the three League Cup matches, all of which are quite interesting, so presumably the BBC will go for an Open All Mics rather than select one of the matches totally at random for live commentary....

The market always improves, or has always improved, over 10/20/30 years, but not always over 6 months / 1 year / 2 years. The S&P 500 was at 4700 on 1st Jan 2022 and 3900 on 1st Jan 2023 - downturns like that are what push people into having a cash buffer or reducing their equities allocation, so I think there may be some logic to derisking the closer you get to accessing your pot. But I broadly agree that you should stay in equities in the run up to and after retirement.

The ISA allowance is 20k per tax year (April to March) and you can split this across Cash and S&S ISAs (but you can't pay into more than one of each). So, if you have remaining ISA allowance, open a S&S ISA with Vanguard, pay in what cash you have, find the FTSE Global All Cap Index Fund (accumulation), and buy that fund with the cash you've paid in. That's it - you are investing passively in the global market. If you really want the S&P 500 rather than something more global, Vanguard has a fund called S&P 500 UCITS ETF too. I found that the biggest thing was just getting started. You can always move to a different provider, transfer Cash ISAs into S&S ISAs and so on, and learn as you go. It's not an exact science by any means, but just getting into the market is the main thing. Don't forget pensions too. (I picked Vanguard because they have a percentage fee of 0.15% compared to HL's 0.45%.)

Brand's da sounds the vandetta klaxon: "The comedian’s father intervention comes as MPs said on Monday a criminal investigation should take place over allegations first reported by The Times, The Sunday Times and Channel 4 on Saturday. According to The Times, more women have now made contact over Brand’s behaviour since the claims emerged. On the 80-year-old’s Facebook page, Mr Brand wrote: “Is this seriously the most important thing happening in the World? Immigrants? Cost of Living? 10s of thousands killed in Ukraine? Who is Prioritising at BBC News? Who is really driving this vandetta? In a separate post he added: “With many Struggling to pay bills. The unproven accusations of 15 Years ago take lead on BBC News?” The Telegraph has approached Mr Brand for further comment." It would be a massive oversimplification of the auld dick's argument to frame it as "food is expensive, so rape is okay", but I'm going to do it anyway.

I think I posted on an earlier version of this thread a few years back. I'm at 91kg now which isn't too bad for my height and age but I'd like to be a bit lighter. I'm pretty active with jogging, walking and five-a-sides but I just consume too many calories - portion sizes, crisps / chocolate, booze. That plus travelling for work a lot recently hasn't helped. I just logged back into My Fitness Pal which really helped me in the past with gradually losing weight. Counting calories can take a bit of joy out of eating but I find it keeps me accountable. My target is losing 6kg in six months.

Was it a weekday afternoon kickoff? I think I watched it in primary school with the teacher wheeling the telly out into the classroom for us.

Going back for seconds the following day was a bold move.

Bring him home?

It's a minor achievement for the police, and hardly a cause for Celebrations.

Gash. What happened to Cadden?

I'm really annoyed that the "Local - 0, Visitors - 0" scoreboard hasn't been updated. Disgusting lack of respect.

Is this some kind of Internazionale supporters' team?

Aye, that's cool.

Hannah Moore has taken grifting to whole new levels. Kudos to her.

Doesn't look like it:

Nailed it! We are away to Livi.