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  1. bezzer

    The EU: In, out, shake it all about....

    So it appears May is going to ask the EU for a short delay, with the option of a 2 year delay. The short delay would be allow her to put her deal back to Parliament. If it fails, or Bercow says she can't put it to the vote again, then we trigger the 2 year extension and carry on with this...
  2. bezzer

    The 'not so obvious' hot babes thread!

    And obvious ;)
  3. bezzer

    The EU: In, out, shake it all about....

    "Here is a turd" "I don't want the turd" "You fucking traitor. I went to a lot of trouble to get you the turd. Take it" "I will not" [later] "I got you something" "Is it a turd?" "Yes, but I also have a piece of paper with the words 'THIS IS NOT A TURD' written on it"
  4. bezzer

    When You Retire ?

    I don't think I'd change too much with regards to pension provision. The only financial thing I'd change would be to overpay my mortgage each month. It's astonishing how much an extra £100 a month makes on the mortgage term. As for your current pension, you should be able to check how it's...
  5. bezzer

    When You Retire ?

    Be very, very careful with Pension recycling. You could be hit with a very large tax bill if you don't meet all the criteria.
  6. bezzer

    When You Retire ?

    Yes I was pleasantly surprised by the amount. A couple of ex colleagues who were also in the same scheme were offered less, but they were older than me. It was still a huge decision to make because the pension at 65 wasn't that bad.
  7. bezzer

    When You Retire ?

    My FS pension was going to pay me £10.5k pa when I reached 65. The figure I received for taking the funds out of the FS scheme was 43 times the pension I would have received. It's only been invested for 13 months but it's already grown by 8% so I'm fairly pleased. I intend to to the full 25%...
  8. bezzer

    When You Retire ?

    The rule of thumb regards portfolio risk is - Cautious - 50% Fixed Interest, 30% Cash and 20% Stocks and shares. Moderate - 40% Fixed Interest, 10% Cash and 50% Stocks and shares. Adventurous - 25% Fixed Interest, 5% Cash and 80% Stocks and shares. My SIPP is invested in a pretty Cautious way.
  9. bezzer

    When You Retire ?

    Don't worry, only a small percentage is in shares. The rest is in cash and bonds. It's also a managed SIPP so less risk involved. I've taken plenty of advice of the past 18 months and the SIPP is part of my pension provision. I also have a Stakeholder pension and also contribute to a company...
  10. bezzer

    When You Retire ?

    That's not completely true. If your pension is in a SIPP and you die before you're 75, your wife/partner gets the whole pot, tax free. I'm 55 next year and have just moved a final salary pension into a SIPP. I intend to drop a day a week next year and retire completely when I'm 60. I've been...
  11. bezzer

    The 'not so obvious' hot babes thread!

    Yep :bag:
  12. bezzer

    Top 10 favourite TV Comedy Characters ?

    Jerry Leadbetter - The Good Life Fletcher - Porridge Blackadder - All 4 Blackadder series.
  13. bezzer

    The 'not so obvious' hot babes thread!

    Luciana Berger, or is she a bit obvious?
  14. bezzer

    Death List 2019

    Such sad news. RIP Gordon.
  15. bezzer

    Joke shop nostalgia

    The joke shop that was near the Odeon was the one I remember. Like Tommy, we used to drop stinkbombs in the Owen Owen lifts. The best drop was when I was at school (Caludon Castle). School concert just before Christmas, I was doing some singing. 3 of us walked around the main hall just before...
  16. bezzer

    The 'not so obvious' hot babes thread!

    Just for all you pervs with an interest in Louise Minchin's legs
  17. bezzer

    The 'not so obvious' hot babes thread!

    Definitely.
  18. bezzer

    The EU: In, out, shake it all about....

    3 scenarios. We either leave with no deal. Article 50 is retracted and an election called. Or the EU blink first and there is a deal done on the NI Backstop. If she loses the vote tonight then things will get very interesting. The Tory machine isn't the fastest moving thing around. A leadership...
  19. bezzer

    Your Greatest Achievement ?

    I hold an official Guiness World record :shamefullyembarrased:
  20. bezzer

    Kevin Hart / Oscars

    Gervais has hosted the Golden Globes, not the Oscars.
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