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NotJustANumber99
Feb 15, 2012

somehow that last av was even worse than your posting

Z the IVth posted:

Does being in a syndicate bypass the publicity rules? I remember reading something about Lotto where your choice as a winner was to have them support you at the expense of having your name published for all and sundry, or keeping quiet and leaving you to your own devices. Always felt like a recipe for misery either way since you'd either get endless hassle or have to develop the financial nous to manage a few tens/hundreds of millions.

I'd manage a few tens/hundreds of millions by simply buying all the stuff i wanted.

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Ron Paul Atreides
Apr 19, 2012

Uyghurs situation in Xinjiang? Just a police action, do not fret. Not ongoing genocide like in EVIL Canada.

I am definitely not a tankie.
can someone give me a breakdown of the current trending crisis; do I understand correctly that the Tories are trying to axe the special protocol carved out for NI to keep the hard border from going up?

Are they trying to to trigger a secession?

kingturnip
Apr 18, 2008
The intended outcome for every Tory minister is whatever results in the least work for them personally

If that involves secession, well, we tried really hard, guys

NotJustANumber99
Feb 15, 2012

somehow that last av was even worse than your posting
Where do crises currently trend?

Bobby Deluxe
May 9, 2004

NotJustANumber99 posted:

Where do crises currently trend?
As I understand it, it goes:

1) Contradictions heighten,
2) Linen coats,
3) ?
4) Communism.

SixFigureSandwich
Oct 30, 2004
Exciting Lemon

Ron Paul Atreides posted:

can someone give me a breakdown of the current trending crisis; do I understand correctly that the Tories are trying to axe the special protocol carved out for NI to keep the hard border from going up?

Are they trying to to trigger a secession?

They are mostly trying to stoke a conflict with the EU so that they have somebody to blame for, well *general hand gestures*

Actual solutions are a distant third or fourth on the list of concerns

forkboy84
Jun 13, 2012

Corgis love bread. And Puro


Communist Thoughts posted:

When I first came to scotland with my BBC English voice, at work there was a guy who had the Scottish version of the incomprehensible old man from hot fuzz's accent.

He was very friendly and would come up to me and go something like "y'hwee hewwenny h'yeh?"
And I'd say, "sorry, what?"
And he'd look at me completely mystified and go "whe?"

When I moved from Inverness to Sheffield I ended up waiting for the Supertram one day after being in HMV. And this auld yin with a proper Yorkshire accent started talking to me. gently caress he was incomprehensible. Felt like he was chatting an entirely different language. Turned out the nosy fart just wanted to know what I'd been buying; needless to say he wasn't familiar with Sleepytime Gorilla Museum

Mebh
May 10, 2010


Bobby Deluxe posted:

One of my many problems is a delay in my auditory loop - it sometimes takes an extra second or so for my brain to translate the noises it just heard into information I can act on. But people always interpret that as needing to hear the exact same slurred mess of consonants, just louder.

My hearing is fine though - slightly above average if anything. So then my loop kicks in on the 3rd or 4th repeat, by which point they're generally mad at me so when I test my best guess at what they said, they go "Oh so you did hear me then?" and think I'm taking the piss.

I had this and it turned out to be related to undiagnosed ADHD. YMMV.

I did find after a Spanish only area in Spain and fully immersing myself in Spanish I had way, way less issues and after a year of having to call people in another language my call anxiety when I came home just loving vanished.

After 2 years and no socialising it's kinda back some but I know the root of it now so it's way easier to handle.

Kin
Nov 4, 2003

Sometimes, in a city this dirty, you need a real hero.

NotJustANumber99 posted:

Taper relief
Years between gift and death Rate of tax on the gift
0 to 3 years 40%
3 to 4 years 32%
4 to 5 years 24%
5 to 6 years 16%
6 to 7 years 8%
7 or more 0%

So if I'm reading that right. Basically you sell your house, use the money to fund either private care or move in with the kids and as long as you did a bank transfer of £xk to them 7 years before you pop it, then you dodge the tax?

Is that what the poshos are doing? Like simply transferring the name on all of their assets and moving their cash into bank accounts in their kids names a few years before they die?

Paul.Power
Feb 7, 2009

The three roles of APCs:
Transports.
Supply trucks.
Distractions.

Guavanaut posted:

I remember an Indian linguist saying that English spoken by Hindi first language speakers has features in common with Wenglish/Saesneg Gymreigm, because both speakers tend to place emphasis on the last part of the word and pronounce vowels as vowels rather than as a slurred mess, so someone from both Llanelli and Lucknow would pronounce 'pronounce' with a clear 'ro' 'no' and emphasis on the 'unce' when speaking English, whereas other Indo-Aryan language first speakers and other dialects of Anglic langages don't do that to nearly the same degree.

This does explain why a lot of people trying to do a Welsh accent end up sounding Indian.

Camrath
Mar 19, 2004

The UKMT Fudge Baron


New Fudge Released!

We're back, and with a veritable cornucopia of fudge flavours for you all to enjoy!

This month we've launched a collection of autumnal and seasonal flavours, as well as some long absent favourites from earlier in this year. Whether your tastes run to spices, old fashioned candies or more experimental directions, you're bound to find something to please your palate!

Current Flavours

New!

Frightful Fudge -
Our spooooooky Halloween special! Mixed-berry flavoured fudge, coloured as black as the night sky and decorated with jelly and foam skulls, eyeballs, worms, bats and other spooky scary sweeties. All the taste of Trick-or-treating compressed into a bar of fudge!
Malted Milk - Our dairy fudge with the delicious addition of malted milk drink. The flavour can best be described as akin to the inside of a Malteser- but soft and melt-in-your-mouth delicious. You owe it to yourself to try this.

Returning!

Original Vanilla
Salted Caramel (Newly back!)
Apple Pie (Newly back!)
Caramilk (Newly back!)
Nibblez (Newly back!)
Maple & Pecan
Chai Latte
Chocolate and Chilli
Whisky and Candied Ginger
Strawberry Milkshake
PSF
Jelly Beans
Liquourice


All stock is now live at https://www.fudjit.co.uk priced at £3.50 per 100g block plus S&H. Use the goon discount code 'Roastbeefisbest' at checkout to get 5-for-4 on all orders! All fudge is dispatched by first class Royal Mail.

If there's any flavour you'd like me to try making which A. isn't a health hazard and B. might feasibly sell, please do let me know either here or by email to fudjit.orders@gmail.com - I love trying new things. You think it, I'll fudge it. :D

Get fudged!

Lady Demelza
Dec 29, 2009



Lipstick Apathy

Just Another Lurker posted:

I did the National Lottery for +15 years and got £45 total.

Last December i put money into Premium Bonds and am now $1300 better off.

Guess i'm better off investing than gambling as at least i don't lose the money i invested. :shrug:

I'm tempted to do this. Not that I play the Lottery regularly, but the interest on my savings account is a fraction of a percent so I don't feel bad about not putting more money into it.

fuctifino
Jun 11, 2001

https://twitter.com/uk_domain_names/status/1446913244375961604

e: He doubled down

fuctifino fucked around with this message at 13:58 on Oct 10, 2021

The Question IRL
Jun 8, 2013

Only two contestants left! Here is Doom's chance for revenge...

Z the IVth posted:

Does being in a syndicate bypass the publicity rules? I remember reading something about Lotto where your choice as a winner was to have them support you at the expense of having your name published for all and sundry, or keeping quiet and leaving you to your own devices. Always felt like a recipe for misery either way since you'd either get endless hassle or have to develop the financial nous to manage a few tens/hundreds of millions.

Over in Ireland, basically when you win you can choose to go public with it or not.
Once you go public, the genie is out of the bottle and you can't go back. If you don't go public, the newspapers aren't allowed rat you out*.

The Lotto do talk about providing some financial advice to new winners to avoid the problem that someone immediately blows all their money on hookers and blow.
There was a documentary about the Lotto and it spoke to some past winners and what their lives were like but I never saw it. Was meant to be very good.


* = One Euromillions winner who was publicised was a Limerick Woman called Dolores Riordan. The papers justified naming her by saying that she was in a pub when the draw happened and it was the people in the pubs story that they were publishing.
The real story was she was publicised because her family were (alegedly) linked to gangs in the Limerick area and she was (alegedly) going to funnel money to them.

Jedit
Dec 10, 2011

Proudly supporting vanilla legends 1994-2014

kingturnip posted:

The intended outcome for every Tory minister is whatever results in the least work for them personally

If that involves secession, well, we tried really hard, guys

There's also the passing fact that secession is ultimately beneficial to the Tories. Northern Ireland will never vote for them, so reducing the MP count makes their seats in England more important. I don't think that the modern batch are too worried about Scotland, either, now the oil money is less. Remove both Scotland and Ireland from the equation and you're pretty much looking at permanent unbroken Tory majority government.

Antigravitas
Dec 8, 2019

Die Rettung fuer die Landwirte:

forkboy84 posted:

needless to say he wasn't familiar with Sleepytime Gorilla Museum

What a donkey-headed adversary of humanity.

Maugrim
Feb 16, 2011

I eat your face

Kin posted:

So if I'm reading that right. Basically you sell your house, use the money to fund either private care or move in with the kids and as long as you did a bank transfer of £xk to them 7 years before you pop it, then you dodge the tax?

Is that what the poshos are doing? Like simply transferring the name on all of their assets and moving their cash into bank accounts in their kids names a few years before they die?

Pretty much yeah, although rich boomers, being Tories, frequently have an "I earned my money, gently caress you if you think I'm helping you get your hands on it, GET A REAL JOB" attitude even towards their own children.

goddamnedtwisto
Dec 31, 2004

If you ask me about the mole people in the London Underground, I WILL be forced to kill you
Fun Shoe


East London and Essex Goons - try not to look too much like an Afghan wedding, the USAF are looking for trouble

(Flypast going over Tottenham for the NFL game if anyone's interested)

sinky
Feb 22, 2011



Slippery Tilde
It's just there to take out the

goddamnedtwisto
Dec 31, 2004

If you ask me about the mole people in the London Underground, I WILL be forced to kill you
Fun Shoe

Kin posted:

So if I'm reading that right. Basically you sell your house, use the money to fund either private care or move in with the kids and as long as you did a bank transfer of £xk to them 7 years before you pop it, then you dodge the tax?

Is that what the poshos are doing? Like simply transferring the name on all of their assets and moving their cash into bank accounts in their kids names a few years before they die?

That's what middle-class people do. The *rich* rich transfer all of their stuff to trusts and offshore companies which their kids (or their kids' offshore companies) own shares in. This is how the current Duke of Westminster actually ended up richer than his dad when the latter popped his clogs, because the trust the estate (which includes almost all of Westminster and a bunch of land around the world which they got through sheer hard work of course, plus a shitload of hotels because Monopoly is real) actually claimed tax credits from multiple jurisdictions that year (unrelated to the death).

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Folks, if you are considering gifting money or having dealings with inheritance tax, please check out the rules with HMRC, they are a rather more complex than you'll pick up on here.

When it comes to gifts, there are annual limits on tax free gifts and they're not that big, and also whether something is a wedding/civil partnership gift or not.

https://www.gov.uk/inheritance-tax/gifts

happyhippy
Feb 21, 2005

Playing games, watching movies, owning goons. 'sup
Pillbug

The Question IRL posted:

Over in Ireland, basically when you win you can choose to go public with it or not.
Once you go public, the genie is out of the bottle and you can't go back. If you don't go public, the newspapers aren't allowed rat you out*.

The Lotto do talk about providing some financial advice to new winners to avoid the problem that someone immediately blows all their money on hookers and blow.
There was a documentary about the Lotto and it spoke to some past winners and what their lives were like but I never saw it. Was meant to be very good.


* = One Euromillions winner who was publicised was a Limerick Woman called Dolores Riordan. The papers justified naming her by saying that she was in a pub when the draw happened and it was the people in the pubs story that they were publishing.
The real story was she was publicised because her family were (alegedly) linked to gangs in the Limerick area and she was (alegedly) going to funnel money to them.

A few syndicates in Cork won, but not mad big money for each of them.
I heard though one of them were all in the one company, and the company itself got a ton of begging letters afterwards.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
A family 'syndicate' in a town near me won the Euromillions (IIRC £50m or something like that) a few years ago.

Too bad that the daughter had been dumped by her boyfriend literally the night before else he might have been able to marry wealth. I bet she was feeling 'karma'!

Just Another Lurker
May 1, 2009

Lady Demelza posted:

I'm tempted to do this. Not that I play the Lottery regularly, but the interest on my savings account is a fraction of a percent so I don't feel bad about not putting more money into it.

It's an option to check out whether you try it or not.

I was feeling risk averse so i went for it and barring governmental collapse it should be so (looks sideways at Boris..... hhmmmm).

learnincurve
May 15, 2014

Smoosh

Kin posted:

So if I'm reading that right. Basically you sell your house, use the money to fund either private care or move in with the kids and as long as you did a bank transfer of £xk to them 7 years before you pop it, then you dodge the tax?

Is that what the poshos are doing? Like simply transferring the name on all of their assets and moving their cash into bank accounts in their kids names a few years before they die?

Nah nah, *anyone* can do it. Don’t make this a class thing because it normalises the idea of the poor being bad with money :)

My nan is solidly working class, she was a dinner lady and grandad was a council gardener. She transferred everything they saved and the house over to the family in a living will 15 years ago, and was paying 1p a year rent to my mum for her own house.

3 years ago social services sat in her house “what a lovely home you have dear” discussing what nursing home she wanted to go in to, while she pretended to be old and confused.

They signed all the paperwork to put her in a very posh retirement home then hit her with “and we’ll expect you to pay a percentage based on assets” and she sat there literally cackling in joy while she told them “that wasn’t my house love, I only got a state pension”

Because they had signed everything they can’t move her.

ThomasPaine
Feb 4, 2009

We have no compassion and we ask no compassion from you. When our turn comes, we shall not make excuses for the terror.

learnincurve posted:

Nah nah, *anyone* can do it. Don’t make this a class thing because it normalises the idea of the poor being bad with money :)

My nan is solidly working class, she was a dinner lady and grandad was a council gardener. She transferred everything they saved and the house over to the family in a living will 15 years ago, and was paying 1p a year rent to my mum for her own house.

3 years ago social services sat in her house “what a lovely home you have dear” discussing what nursing home she wanted to go in to, while she pretended to be old and confused.

They signed all the paperwork to put her in a very posh retirement home then hit her with “and we’ll expect you to pay a percentage based on assets” and she sat there literally cackling in joy while she told them “that wasn’t my house love, I only got a state pension”

Because they had signed everything they can’t move her.

Yeah my parents had a similar experience with my gran when she lost her marbles with dementia and had to be put in a care home. I want to be mad with them because it is just tax evasion plain and simple but it does feels like one of those things absolutely designed from the ground up to be abused. That said, if you own your house at all and are in a position to do this kind of sleight of hand, you're far from the bottom of the pile. Maybe that's the point.

learnincurve
May 15, 2014

Smoosh
it's very age/era dependent, my nan is 94 and my grandparents got a mortgage on a dirt cheap house purely based on my grandad working for the council, which was normal at the time. It was the one asset she had and when it got sold the money was devided between all the great-grandchildren and bypassed everyone else.

fuctifino
Jun 11, 2001

Communist Thoughts
Jan 7, 2008

Our war against free speech cannot end until we silence this bronze beast!



its always funny when tory MPs are like "white privilege? you should talk to my constituents, they're having an AWFUL time!"

Dabir
Nov 10, 2012


Fines have no effect on the rich and therefore any law punished by a fine isn't a real law, A Good Letter.

feedmegin
Jul 30, 2008

goddamnedtwisto posted:



East London and Essex Goons - try not to look too much like an Afghan wedding, the USAF are looking for trouble

(Flypast going over Tottenham for the NFL game if anyone's interested)

Bah I've been on base at RAF Lakenheath several times and never once even been waterboarded (better facilities/BX than Mildenhall or Croughton, too, though not a patch on Kaiserslautern I'm told)

Z the IVth
Jan 28, 2009

The trouble with your "expendable machines"
Fun Shoe

Dabir posted:

Fines have no effect on the rich and therefore any law punished by a fine isn't a real law, A Good Letter.

Bring back lopping off body parts as a punishment.

It will work until the rich get chromed-up.

Chubby Henparty
Aug 13, 2007


I like that big lotto winners here at least get a Coutts account and an advisor. In my teens I worked behind a lotto kyosk and processed a few millionaire wins (managed to throw the first winning ticket in the bin by reflex in front of the winner, was stressful).

One time I was presented a winning ticket by twin sisters, the only appropriate word I can think of for them now would be 'extremely vulnerable'. They asked me if they'd be able to quit their factory jobs with 4 mil between them. I said 'uh yeah probably' and ran it through the system.

A year later they came through again and I asked them how things were. Their family had nicked the lot. I really wish I'd had the nous or the procedure to refer them to better help at the time :( (or to tell them that the shop boy was best placed to be their agent and manager)

Camrath
Mar 19, 2004

The UKMT Fudge Baron


Chubby Henparty posted:

I like that big lotto winners here at least get a Coutts account and an advisor. In my teens I worked behind a lotto kyosk and processed a few millionaire wins (managed to throw the first winning ticket in the bin by reflex in front of the winner, was stressful).

One time I was presented a winning ticket by twin sisters, the only appropriate word I can think of for them now would be 'extremely vulnerable'. They asked me if they'd be able to quit their factory jobs with 4 mil between them. I said 'uh yeah probably' and ran it through the system.

A year later they came through again and I asked them how things were. Their family had nicked the lot. I really wish I'd had the nous or the procedure to refer them to better help at the time :( (or to tell them that the shop boy was best placed to be their agent and manager)

Incidentally, you would not believe the way the bankers at Coutts would talk about the lottery winners who went with the account offer there. (For those not in the know, you normally need a half a mil deposit and 250k deposited per annum to get a Coutts account)

Actually, no. You probably would. loving wankers.

happyhippy
Feb 21, 2005

Playing games, watching movies, owning goons. 'sup
Pillbug

Chubby Henparty posted:

A year later they came through again and I asked them how things were. Their family had nicked the lot. I really wish I'd had the nous or the procedure to refer them to better help at the time :( (or to tell them that the shop boy was best placed to be their agent and manager)

That sucks.
Near to where I live, a woman in Strabane NI won £27 million from the lottery, she was jobless and lived in one of the worst housing estates in the entire country (Ballycolman estate, drug dealer central basically).
She decided to still live there which was a big mistake, and ended up being conned out of a lot of it.
She died a few weeks ago, just after saying she had only £5 million of it left.
Edit: She won it 8 years ago, so lost £2.75 million a year. loving hell.

Doctor_Fruitbat
Jun 2, 2013


I don't even have words:

https://www.theguardian.com/politics/2021/oct/10/rishi-sunak-to-save-billions-by-counting-imf-cash-as-aid-for-poor

Doctor_Fruitbat fucked around with this message at 18:09 on Oct 10, 2021

sinky
Feb 22, 2011



Slippery Tilde

happyhippy posted:

That sucks.
Near to where I live, a woman in Strabane NI won £27 million from the lottery, she was jobless and lived in one of the worst housing estates in the entire country (Ballycolman estate, drug dealer central basically).
She decided to still live there which was a big mistake, and ended up being conned out of a lot of it.
She died a few weeks ago, just after saying she had only £5 million of it left.
Edit: She won it 8 years ago, so lost £2.75 million a year. loving hell.

lol imagine people knowing you have £27m in the bank and not moving out of NI very loving quickly.

Small Strange Bird
Sep 22, 2006

Merci, chaton!
Jesus. If £27m suddenly came my way I'd be in Monaco the next day.

ThomasPaine
Feb 4, 2009

We have no compassion and we ask no compassion from you. When our turn comes, we shall not make excuses for the terror.
Absolutely wild to me that there are people in this world who instead of calling the official number like a normal human would take a winning lottery ticket worth upwards of a million quid to their local spar and hand it over to the guy at the till, as if he's going to pay out the lot in rolls of twenties.

Surprised this doesn't happen more often tbh: https://www.theguardian.com/world/2021/sep/05/suspected-thief-of-winning-scratchcard-stopped-at-rome-airport

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Tsietisin
Jul 2, 2004

Time passes quickly on the weekend.

That reminded me of the guys that bought a £4million winning scratch card, apparently with a stolen debit card so Camelot didn't pay out.

The court case is due to go x take place for this in the next few days. Be interesting to hear what is said.

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