Member Since: 11 May 2006
Location: Off again! :-)
Posts: 72787
It’s the new me.
2nd Feb 2021 2:06 pm
mark the spark
Member Since: 22 Jun 2011
Location: southampton
Posts: 2477
Ivan wrote:
Pension companies!! Rip off artists!!
Was notified in May last year that I have a pension with a company I had left over 20 years ago. Nice little sum but not earth shattering. Don't need it as I did not know about it. OK I will transfer it into my existing pension fund with another supplier. Because it's over £30,000 (not by much) and it's a defined benefit one I have to take financial advice. So arrange the financial advice but, because the pension company take 3 weeks to answer an email and insist on everything in writing it's taken me since June last year to get anywhere near getting it transferred. Start to arrange the transfer only to be told the value is not guaranteed, the transfer valuation only lasts for 3 months, you need another valuation. That will be £500 please!!!
So with the cost of the financial advisor and the new valuation fee they are taking almost 10% of the pension fund!!!
I could have taken the pension and was offered £6,000 cash tax free and £1,000 a year for life. That meant I would have to live for over 25 years after retirement to get the pension value back. This does not include any growth on the fund over the 25 years. If I die they get to keep any money left!! It's all a con to try and rip off your pension fund.
couldnt agree more baled out of all mine years ago and invested in property much better return and your in control the whole financial sector are crooks as far as im concerned endowment plans being typical of their we always win you always lose trading ...MY05 SE D3 Manual my first LR what a car
MY10 HSE D4 auto
MY14 XXV more buttons than the spaceshuttle
2nd Feb 2021 4:45 pm
dunton10
Member Since: 23 Dec 2006
Location: SUTTON COLDFIELD, WEST MIDS
Posts: 208
People who throw litter from their cars/vans.
I’ve just litter picked a lane by me about two miles long.
Filled 32 large bin bags ! Mainly empty cans of cider, soda, vodka bottles, Mac Donald/ Costa cups, crisp packets. Etc
Large numbers of bottled water. Why does anyone need to buy bottled water in the UK anyway?
And why throw the things in the first place. I know in 7/10 days it will look like I’ve not even bothered.
Just look at the state of the grass verges at the sides of our roads. I feel sorry for those that drive every day having to look at all the sh*t. We are looking like a third world country.Currently 2015 D4 SE Tech, Corris Grey
RLD Protector, led interior lights, timed climate, towing equipment
Previously
2006 D3 S
2001 TD5
1996 Shogun LWB
1989 Range Rover TDVM
2nd Feb 2021 7:13 pm
RRSTDV8
Member Since: 07 Apr 2014
Location: Here
Posts: 13107
Not guilty! My passenger footwell acts as a litter bin for my sandwich wrappers when I'm out and about doing work visits. And I get tutted at by SWMBO if I forget to throw in the bin and she had them around her feet in the car. Visiting from rrsport.co.uk
2012 RRS SDV6
2008 RRS TDV8
"When you fire that first shot, no matter how right you feel, you have no idea who's going to die! You don't know who's children are going to scream and burn. How many hearts will be broken. How many lives shattered. How much blood will spill, until everybody does what they were always going to have to do from the very beginning: SIT DOWN AND TALK!"
2nd Feb 2021 7:19 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 72787
Same here, passenger footwell is a most excellent bin. As long as it’s just me in the car.
2nd Feb 2021 7:21 pm
LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23368
mark the spark wrote:
Ivan wrote:
Pension companies!! Rip off artists!!
Was notified in May last year that I have a pension with a company I had left over 20 years ago. Nice little sum but not earth shattering. Don't need it as I did not know about it. OK I will transfer it into my existing pension fund with another supplier. Because it's over £30,000 (not by much) and it's a defined benefit one I have to take financial advice. So arrange the financial advice but, because the pension company take 3 weeks to answer an email and insist on everything in writing it's taken me since June last year to get anywhere near getting it transferred. Start to arrange the transfer only to be told the value is not guaranteed, the transfer valuation only lasts for 3 months, you need another valuation. That will be £500 please!!!
So with the cost of the financial advisor and the new valuation fee they are taking almost 10% of the pension fund!!!
I could have taken the pension and was offered £6,000 cash tax free and £1,000 a year for life. That meant I would have to live for over 25 years after retirement to get the pension value back. This does not include any growth on the fund over the 25 years. If I die they get to keep any money left!! It's all a con to try and rip off your pension fund.
couldnt agree more baled out of all mine years ago and invested in property much better return and your in control the whole financial sector are crooks as far as im concerned endowment plans being typical of their we always win you always lose trading ...
Diversification is key.
I’ve always had property investment, but I am well aware of the liquidity and political risks associated with it.
My stockmarket linked investments have significantly outperformed property. 👍2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) PD1881 rims-GONE
2017 FFRR SDV8 Autobiography
Member Since: 11 Sep 2016
Location: Marnoch
Posts: 4146
Don't pay it, haven't paid it for years, absolute waste of money and don't watch anything on BBC... they SHOULD move to a subscription service and then see how much money they get in... can't see many celebs staying there... and threatening to jail 80 years old who've paid it for most of their lives and now can't afford it - a national disgrace..I want to see the sweets before I get into your windowless van... I'm not stupid!
Corris Grey D4 Commercial SE 2016
Zermatt Sliver 2007 D3 SE manual (gone)
Indus Silver D4 HSE 2015 (gone)
Bonatti Grey D3 HSE 2006 (gone)
White D3 S (LHD) 2007 (gone)
Firenze Red D4 HSE 2014 (gone)
Black RRS 3.6TDV8 2008 (gone)
Rusty Green Defender 110 1997 (gone)
Black FL2 HSE 2013 (gone)
Might have been ex-army personnel and not horse doctors
The article talks about foodstuffs you wouldn't expect from walkers ... whole potatoes, Brussel sprouts, cabbages... more like fly-tipping or someone thinking the horses aren't being fed..
Dean
====================================
2011 D4 XS - OBD port protection, RLD spare wheel protector, All LED interiors lights, Timed Climate enabled, iiD tool paired.
2011 D4 Landmark - Stolen from same dealer before I paid for it
2011 D4 GS - Stolen whilst at dealer ... All LED interiors lights, DRLs, Spare Wheel protector.
1996 300Tdi - Eaten by tin worms
7th Feb 2021 11:26 am
RRSTDV8
Member Since: 07 Apr 2014
Location: Here
Posts: 13107
Paper's own poll of its online readership shows that they won't pay for the BBC. Hmmm, right-wing readership doesn't like the BBC which is, of course, considered to be left wing by those people. Funny that, eh? Visiting from rrsport.co.uk
2012 RRS SDV6
2008 RRS TDV8
"When you fire that first shot, no matter how right you feel, you have no idea who's going to die! You don't know who's children are going to scream and burn. How many hearts will be broken. How many lives shattered. How much blood will spill, until everybody does what they were always going to have to do from the very beginning: SIT DOWN AND TALK!"
7th Feb 2021 11:26 am
RRSTDV8
Member Since: 07 Apr 2014
Location: Here
Posts: 13107
Hardware wrote:
The article talks about foodstuffs you wouldn't expect from walkers ... whole potatoes, Brussel sprouts, cabbages... more like fly-tipping or someone thinking the horses aren't being fed.
I found cut up raw potato in the field our horses are currently in. There's a footpath through the field but it's obviously someone in the village that thinks that horses will eat anything - who carries raw spud on a walk? Luckily, the horses have left the spuds alone but I think there was also some carrots offered to them as there is the odd bit lying about too.
Will need to put up some signs, not that it'll do much good I suppose.Visiting from rrsport.co.uk
2012 RRS SDV6
2008 RRS TDV8
"When you fire that first shot, no matter how right you feel, you have no idea who's going to die! You don't know who's children are going to scream and burn. How many hearts will be broken. How many lives shattered. How much blood will spill, until everybody does what they were always going to have to do from the very beginning: SIT DOWN AND TALK!"
The BBC used to do all the research work that supports all things to do with audio and visual broadcasting, and probably still do.
The commercial channels rarely have any incentive to do anything that reduces their profits..
Dean
====================================
2011 D4 XS - OBD port protection, RLD spare wheel protector, All LED interiors lights, Timed Climate enabled, iiD tool paired.
2011 D4 Landmark - Stolen from same dealer before I paid for it
2011 D4 GS - Stolen whilst at dealer ... All LED interiors lights, DRLs, Spare Wheel protector.
1996 300Tdi - Eaten by tin worms
2011 D4 XS - OBD port protection, RLD spare wheel protector, All LED interiors lights, Timed Climate enabled, iiD tool paired.
2011 D4 Landmark - Stolen from same dealer before I paid for it
2011 D4 GS - Stolen whilst at dealer ... All LED interiors lights, DRLs, Spare Wheel protector.
1996 300Tdi - Eaten by tin worms
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... All LED interiors lights, DRLs, Spare Wheel protector.
