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resk

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Posts posted by resk

  1. 2 minutes ago, Hedgecutter said:

    European or African?

    Anyway... what are folk expecting the average private pension growth to be over the next decade or three? 5% ?

    You can earn more than that in a standard cash ISA right now.  Guaranteed rise, tax-free, no age limit for withdrawal.

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

  2. 11 minutes ago, Hedgecutter said:

    Is, or will there be a limit to the amount of interest you can gain within a stocks & shares ISA before effectively paying capital gains tax?

    Suppose it's worth mentioning that this whole issue is for the state pension, and that one will (you'd hope) be able to take the private pension, and with the 25% tax free lump, considerably earlier.

    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.  

  3. 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.  

  4. 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.  

     

  5. 7 minutes ago, Jacky1990 said:

    There will be a full segment on Sky Sports about how teams like them and San Marino dont deserve to be on the same pitch as #Barclays superstars.

    Despite winning the same number of trophies in the last 47 years as those teams.

    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.   

  6. 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.... 

     

  7. 56 minutes ago, Granny Danger said:

     

    Basically the market always improves.

     

    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.  

  8. 15 hours ago, Hedgecutter said:

    Over half a year and no action here.  Are any posters still active in the market?

     

    I keep seeing things about index funds and people saying to get involved regardless of timings... but how exactly?  "Do it!" they say.  "Where do I go?!" I want to say back.

    Any recommendations for a lazy fecker like me wanting to throw a bit of spare cash on the S&P 500 rollercoaster with any profits paid into a (so far non-existent) Stocks & Shares ISA?  I've already paid into a cash ISA this year (nothing near the £20k limit though) so unsure if that prevents me paying into a new S&S ISA this financial year.

    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%.)

     

  9. 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.  

  10. 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.  

  11. 4 minutes ago, microdave said:

    I watched that game in a hospital after having my appendix removed the previous day. A sickie from school to watch the game that went a bit too far😂

    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.  

  12. 34 minutes ago, AJF said:

    At 9am the fixtures will be announced for the upcoming season.

    It’s always a bit exciting with football to look forward to after a few weeks of downtime.

    Some of us will be happy and some of us won’t as usual. I’m going to predict we will be away to Kilmarnock first game of the season.

    Nailed it!  We are away to Livi.  

  13. 11 hours ago, Bairnardo said:

    How do the BBC find the people to run these articles on? What's the process?

    Like see when Olivia and Logans first trip to Val D'Isere is having to be cancelled because no one is hiring the Air BnB in Skye thru the peak season, how do the BBC find out about that and decide to run a story?

    How do they have such and incredible record of finding such relentlessly posh, unrelatable characters?

    Trawling the social medias is how tabloids get most of their stories now - I'm guessing the BBC is the same.  So they are naturally going to end up with a lot of stories about attention-seeking welts.  

  14. 8 hours ago, Dirty Sanchez said:

    I watched a video about him, filmed in his home town, where everyone they interviewed was pronouncing it like that. They were saying Erling differently as well.

     

    Yep.  The "a" with the wee circle above (Håland) is a separate letter in the Norwegian language and is pronounced sort of like "aw".  So "Holland" is what his name sounds like pronounced properly.  

    (Source - lived in Norway for three years and learned a bit of the language)

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