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(Thread IKs: OwlFancier)
 
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Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Ms Adequate posted:

:hmmyes: That's entrapment that is

Also melatonin doesn't make it easier for me to fall asleep, but it does keep me asleep real good. It also induces absolutely incredible levels of carsickness for the next 24 or so hours

Ooh thanks for that info. My sleep is so completely wrecked at the moment, I was thinking of trying it after discussion ITT.
But I can't stand nausea which I have a tendency towards without any meds.

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Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

TACD posted:

just remembered I still need to buy a Christmas tree, lol

Any recommendations for a small or sort of collapsible tree for a flat with not much space?

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Hope this cold spell doesn't last! Forecast to warm up round here after next Tuesday inshallah.

My electric bill for this week is nearly £29 (very small 1 bed flat - heater in bedroom & living room + towel rail in bathroom that oscillates between 17 & about 18 C).
Last week it was £16 and before that around £12-£14 (after the tariff change).

We've also put all the storage heaters on in the corridors, so wretchedly cold and supposed to be -5C tonight! Last winter we were quite stingy with the communal heating but definitely noticed some deterioration in the building so we'll just have to suck it up. (Common parts is SSE non-domestic & on a tariff we fixed 18 months ago).

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Something happened just after 4pm to all these networks:

My Three went off at 16:12 and Smarty at the same time (it uses the network), I couldn't get BTWifi to even show up at all, and after about 10 mins or so thought I would try my Lebara SIM (which goes on Vodafone) but as I was pfaffing about trying to decide how long to renew for (currently not activated), Three came back on so I don't know if Lebara was down. I didn't think to check my O2.



Was it a Coronal Mass Ejection or some kind of mass hack? Naturally, downdetector comments have complaints for each service saying it is useless and they're going to switch, but to what? Seems like they were all out!


Might be impact from Wednesday's CME:

A near X-class (M9.8) solar flare (R2-moderate) erupted yesterday at 19:50 UTC. It was sunspot region 3500 which was pretty much on the center of the earth-facing solar disk at the time that was the source of this eruption.

The eruption launched an asymmetrical full halo coronal mass ejection which means the coronal mass ejection is pretty much guarantied to hit Earth. A launch speed of about 1.100km/sec puts the arrival time at Earth for this eruption during the UTC afternoon or evening on Friday, 1 December.

https://www.spaceweatherlive.com/en/news/view/512/20231129-m9-8-solar-flare-with-earth-directed-cme.html

Jaeluni Asjil fucked around with this message at 18:03 on Dec 1, 2023

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Failed Imagineer posted:

It's like when all the Russian channels suddenly start showing Swan Lake instead of news. This is the signal that you need to join your comrades in the streets and dust off your guillotine

It's too cold to be revolting today.

Don't know of any nice warm Telephone Exchanges to occupy as revolutionary hqs round here :qq:

https://www.youtube.com/watch?v=7xMD8Epbhpk

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

There's one in a field near where my mum lived until a couple of year's ago.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
I was mugged one time (1999ish) - been out for a curry in Mile End so I was full of curry & lager.

The kid (about 15/16 yo) jumped on my back, ripped my backpack off and ran off with it.
I gave chase but he was quite fast for me, a couple of guys joined the chase and caught him but they wouldn't let me touch him.

He's still in counselling.

Lessons learned (by mugger): Don't mug women with the entire Water Margin & several seasons of Xena Warrior Princess on tape.

Anyway, we all were hoiked off to Chingford nick in a convoy of cop cars. Turns out he was doing work experience at that nick and knew where all the CCTV didn't point (he mugged me just round the corner from the CCTV). I was shaken (I didn't realize how much til I had to come home the same way the next night and some arsehole bloke decided to follow me for a laugh. He's also still in counselling.) I did feel sorry for his mum though when she turned up at the nick.

The statement was funny - cop says to me "and what did you say to him" I said "I screamed in his face - give me back my bag you bastard" and the cop wrote that I said "please give me back my bag".

Did get my bag back with my flat keys and phone - else I would have been locked out with no means of communication on a cold & frosty night.

Bobby Deluxe posted:

I was mugged once, sort of. I was very confused, and I think overall I would like it if he was stopped from doing it to anyone else. I just don't think that at the moment, there are really any systems in our society that are able to do that.

Yes - I did meet a woman a few months later who had been mugged in exactly the same place in almost exactly the same manner (probably by the same perp) and she was terrified and hadn't gone out of her home alone for months. So yeah- if there had been someway of stopping the little poo poo from doing it again, that would have been good. But locking a 16yo up in prison is not, I'm sure, the right answer.

Jaeluni Asjil fucked around with this message at 06:39 on Dec 2, 2023

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Guavanaut posted:

I've supported the idea that we should all own a bunch more guns and grenade launchers as a result of being wronged, even though that's a pretty bad idea, but I've never supported the idea that some wig wearing government oval office should be able to go on a killing spree on my behalf just because I had a bad day.

I always wanted flashy eyes so if someone wronged me, I could flash my eyes at them and they would just disappear in a puff of smoke never to be seen again. In minecraft, obviously.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Anyone got a duduk?

Thinking of buying one to try (only a cheapy one because I'll probably play it twice & then never look at it again source: I know me). I miss my piano but absolutely no room for one here.

https://www.youtube.com/watch?v=OaLhSrdHCBs

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Ruth Perry's family have been denied Legal Aid so if you would like to / are in a position to support here is the gofundme. (I haven't put my personalized link because I don't know if that would doxx me).

https://www.gofundme.com/f/fund-familys-legal-costs-for-ruth-perry-inquest

quote:

Just days before the start of the inquest into the death of Ruth Perry – the Reading primary headteacher who took her own life following an Ofsted inspection of her school – her family have learnt that their application for Legal Aid to fund their legal representation has been rejected.

The other ‘interested parties’ in the Ruth Perry inquest are OFSTED, Reading Borough Council and Berkshire Healthcare NHS Trust – all of which, as public bodies, will de facto have their legal costs paid from the public purse. While the bereaved family will receive no financial support, OFSTED have been instructed by the Coroner to bring no more than five members of their legal team to the inquest. We believe this legal and financial inequity to be unjust.

We are launching this crowdfunding campaign to fund the family’s legal advice for, and representation at, the inquest into Ruth’s death, to be held at Berkshire Coroners’ Court between 28 November and 7 December 2023.

The family hopes that the inquest will reveal the truth about the circumstances leading to Ruth’s death and the opportunities that were missed to prevent it. They hope that lessons can be learnt to prevent future such deaths from occurring.

Please donate to our crowdfunder if you feel the lack of legal aid for Ruth Perry’s family is unjust and inequitable, and if you wish to support their campaign for meaningful change in Ruth’s name. Even a small donation would make a big difference, both financially and as a sign of your collective moral support for Ruth’s family.

If we succeed in raising more money than is needed to cover the family’s legal costs or if alternative funding is obtained (e.g. via an appeal against the Legal Aid Agency’s decision or if an Article 2 inquest is engaged), all excess funds will be donated to Inquest: the only charity in the UK which supports people bereaved by state-related deaths to access truth, justice and accountability, and to contribute to systemic change (https://www.inquest.org.uk).


More OFSTED bullshit:

https://www.theguardian.com/education/2023/dec/02/ofsted-misled-inquest-death-teacher-ruth-perry-training-claim

quote:


School inspectors have accused their employer, Ofsted, of misleading the court during last week’s inquest into the death of headteacher Ruth Perry, the Observer can reveal.

...

The Observer has spoken to five inspectors who were working for Ofsted when Perry’s primary school in Reading was inspected, all of whom said they received no training on detecting, managing or reducing stress or distress. A senior Ofsted insider also confirmed that no training was given on these issues at that time.

...


More distressing info in the article than I've quoted.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Microplastics posted:

Maths nerds need to get out more

Oh I don't know.. nothing like solving a really hard equation to ... TMI

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
So it's the most wonderful time of the year again....



It's freezing outside.
Today's exercise consisted as far as possible of me pacing up and down inside heated tat emporia on the High Street without buying anything except a bottle of olive oil and some bog cleaner.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

happyhippy posted:

When I take over, I'll alay all your fears and solve all crime and such by implanting mini-explosives at the base of everyone's neck.
There will a free app where you can vote to trigger it at any time.

Sounds like the torc from The Anome (they also travelled around by sort of zeppelins attached to rails but I digress)

https://en.wikipedia.org/wiki/The_Anome

quote:

It tells the story of a boy growing to manhood in the land of Shant, a society composed of many different, and wildly individual cantons, some of which are run by cults. Each adult wears an explosive torc which can be detonated by remote command, bringing about instant death by decapitation. The torcs are controlled by an anonymous dictator, the Anome, whose identity is literally unknown. Because those whose heads are exploded are selected primarily by the cantonal leaders, for violations of local law, the Anome is able to operate with only a handful of assistants, or 'Benevolences', who themselves do not know his identity.

and didn't Battle Royale have something similar? I can't check because I gave the book away to a charity shop last year.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Starmer's 10 pledges have been removed from the website:

https://keirstarmer.com/plans/10-pledges/



Fortunately, we have the web archive:

(The 10 pledges are on there, but it was too long to imgur them all)

https://web.archive.org/web/20200221233655/https://keirstarmer.com/plans/10-pledges/



I bet Kieth eats salad.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Mr Phillby posted:

If you dont eat salad you should hang out with me and let me eat all the bits of cucumber

One of my cats used to like cucumber (slices if they fell on the floor).

I wonder what is going on in these cats' brains when they see whole cucumbers? Snake maybe?

https://www.youtube.com/watch?v=RBrZsgy4-SQ

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Apraxin posted:

inspiring stuff

'think of the transformative changes made by past great prime ministers of different ideological stripes, such as attlee, blair, and thatcher. i won't be doing any of that. it'll be a challenge just keeping the lights on. but rest assured, i'm the penny-pinching accountant for the job.'

Quote from article Apraxin quoted:

quote:

Starmer said it was “in this sense of public service” that he had overseen a dramatic change in the Labour party – cutting its ties with former leader Jeremy Corbyn and expelling him from the party.


When was Corbyn expelled from the Labour Party?
I thought he was still a member of the LP but not of the PLP (whip withdrawn)?

I fkin hate Starmer with a vengeance.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

kecske posted:

please don't cumin my food thanks

talking of which - the smell of "celery seed" - the smell has its place but NOT on food. :barf:

You may infer what smell I refer to by the fact I'm quoting this particular post.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

FiftySeven posted:

I am so loving upset, At the next election I will basically have 3 brands of Tory and 2 brands of racists choose from (You could easily argue for adding the Torys into the racist pile too)...

Who on earth am I supposed to vote for? I want the Tories gone so badly and that means voting Labour but I honestly have no desire to put Starmer in power, especially after he unironically praised Thatcher publicly.

Who are the racist parties in your area? Not sure whether Reform or BNP-Lite will stand in mine unless you include PC because they're nationalist rather than racist?

I'm going to go either Green or Plaid Cymru (though they're a nationalist party), more because I think it's time the big 2 (for some reason the LibDems fail to impinge upon my consciousness) had a psephological* kick in the goolies.

*not sure of a better word though not sure this is a correct use.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Angepain posted:

are plaid cymru still somewhat decent policy wise these days, last I heard they were moderately left wing but I haven't really paid much attention (sorry wales)

https://www.partyof.wales/policies

Pretty good.

I'll probably have to learn Welsh though or be sent to the Re-education Camps (joking!)
(I found it harder than Arabic so far!)

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Guavanaut posted:

Is that the regional demonym for people from Goole?

It's like the Goonies but with an L.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
https://www.theguardian.com/uk-news/2023/dec/03/glenys-kinnock-former-minister-and-proud-democratic-socialist-dies-aged-79

Glenys Kinnock has died.

Is it just me or have there been a heap of celebrity and semi-celebrity deaths in the last few days?

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Jedit posted:

There's a name for the phenomenon, but basically once something happens a few times in succession you're more likely to notice it happening even if the rate isn't on average any faster than normal.

Could be the Baader-Meinhof phenomenon or The Law of Attraction* depending.

I guess when you get a piece of news, journalists look for other similar pieces of news to it might get reported more often.

*I think law of attraction is this essentially, just noticing more elephants or whatever it is, or ways to do something for example.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

fuctifino posted:

They would have been recorded in old wills, but the chances of those surviving anywhere would be slim, and there would be no way for me to access them. The nephew has been named as executor. Outside of those wills, Dad told me his wishes in phone calls. There are also other things, like he wanted the UK101, computer that he built in 1980 to go to a computer museum. That'll probably end up on ebay or in a skip.

If there was probate on your dad's Will then it will be on public record (probate though is not always necessary depending on size of estate).

https://commonslibrary.parliament.uk/research-briefings/sn03194/

There's a link on this link to download a pdf 'Obtaining a copy of a will"

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

NotJustANumber99 posted:

I've been told it's why there's so many derelict rural run down properties in France where they've been split so many times between family that no one can agree what to do with them that they just end up blocked and left to ruin.

I remember some lecture or other I had years ago on land ownership being told that during the French Revolution, every peasant was given a strip of land and this has subsequently caused a lot of similar problems.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Ms Adequate posted:

You never hear about Toyah Wilcox anymore, do you? Anneka Rice, neither.

Maybe I'm missing something but Toyah's very active these days along with Robert Fripp (her husband) esp doing their Sunday things. IIRC they're on some sort of tour right now but I'm at work so on phone and not googling.
But yeah Anneka Rice nil nadda nothing.

Beaten re Toyah a bazillion times.

Succession - really enjoyed it and it was billed as a dark comedy in my go to :files: place. Was definitely in to Kendal "sad boy" Roy. (Unrequited maternal instinct probably).

Jaeluni Asjil fucked around with this message at 13:54 on Dec 4, 2023

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
£38k GROSS pay is the 73rd percentile (£38200) of income amongst those who earn enough to pay taxas at 20/21 (latest figures which seem to be available).

(£26300 is the 50th percentile - ie median).

https://www.gov.uk/government/statistics/percentile-points-from-1-to-99-for-total-income-before-and-after-tax

MPs' pay - adjacent to £85k- is between the 95th & 96th percentiles. and £50k is the 85th percentile!

I don't think many higher earners appreciate just how low most peoples' pay is!

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Dead Goon posted:

I am always mildly perplexed/amused that Toyah Wilcox is married to the dude from King Crimson.

Nice interview with the two of them. It's the Times but this is the non-paywalled version:

https://archive.is/0P0Tb

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

fuctifino posted:

What's the betting that Hunt or one of his aides will leave a note in a desk saying "There's no money left" before leaving?

That's a tradition now, right?

Tory Chancellor Reggie Maudling's note when tories lost the election in in 1964:

"Upon being forced out of the post by the election defeat, Maudling left a note to his successor, James Callaghan, simply stating "Good luck, old cock.... Sorry to leave it in such a mess".["

Wonder why no one goes on about that note!

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Failed Imagineer posted:

Good film.

Also, if you want something which probably provided inspiration to Succession, try Festen, the 90s Danish movie. It's the first of the Dogme films so it has that really pretentious handheld art-film style, but it's also excellent and dark and awkward as all hell

I remember watching that (Festen) at the cinema but have no recollection of what happened in it except it was a 60th birthday party.

I saw a few of those Dogme things.

Best of all was "The Kingdom" spooky goings on in a hospital in Denmark, above friend and I saw that at the slightly pretentious ICA in The Mall. (The first time I saw Stellen Skarsgaard in anything.) They joined all the episodes up as two 'films'. I still remember some of the quotes from it.

"Shocking and frightening tale of a haunted hospital that was built over an ancient graveyard. The doctors have put all their faith into science and technology, and are dismissive of any suggestion of mysticism or unseen powers...at their own peril."

Dancer in the Dark with Bjorke in it. I thought that was a good film, my friend who I saw it with though had a completely different interpretation on Bjork's role than I did which was interesting!

Breaking the Waves had me literally sobbing out loud in the cinema along with several others at the bit where the priest steps over the Emily Watson character on the ground.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Sir Sidney Poitier posted:

The Kingdom would have been a lot better had it not been so transparently based on Darkplace.

Having never heard of Darkplace until I was today year's old, that wasn't a problem for me!
But I just looked and Darkplace was around 10 years AFTER The Kingdom. (I'm talking about the Danish series/film 1994ish not a more recent offering)

https://www.youtube.com/watch?v=5BsU22q8a2Q

Jaeluni Asjil fucked around with this message at 11:47 on Dec 5, 2023

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

Sir Sidney Poitier posted:

It was a joke because the Darkplace show-within-a-show purports to be from the 80s but is quite transparently based on The Kingdom.

Aha passed me by - never heard of Darkplace so maybe that's why.

A friend and I used to argue about things all the time because she was a lot younger than me so for example that song that goes "You make me feel" she always thought was by the Communards, but I remember Sylvester doing it years before in the 70s.

Jaeluni Asjil fucked around with this message at 11:50 on Dec 5, 2023

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

fatelvis posted:

I'm pretty much the same, and the bolded is by far the biggest difference it has made to my life. It also makes it easier to move to other jobs since you have some saved and consequently (I think at least) employers are less able to treat you like poo poo.

Absolutely this.

In my late 20s I moved to a job which paid several £k more than the job I was in (no point giving numbers as they are 1980s numbers.)- a couple of months in, I started to hate the job.

Basically, I was employed for my qualifications but made to do cold-call sales for half of every day (definitely NOT in the job description I applied for) and at the time which I hated and suffered from terrible phone anxiety even when calling friends & relatives let alone strangers in buying departments! I was stuck though in that job because I had no savings, living in a lovely HMO, pay cheque to pay cheque.

I stuck it out for a few more months - my then boyfriend getting more and more anxious in case I quit the job and he would have to look after me (something that had recently happened with his brother & his gf) - crying every morning, wanting to throw a sicky every day. One day I quit. I said to myself "never again am I going to be stuck in a job I hate, beholden to an employer because of needing the money. I got temping work on higher pay almost immediately. Luckily I used to enjoy audio typing and was good at it.

Anyway, over the next 4 years I dedicated myself to accruing somehow 2 years worth of living expenses. This included doing casual chambermaiding work on weekends in the big hotels in West London (there used to be a job centre in Mortimer St where you could go along about 6am and sit there and they'd call out casual jobs that had come in late the previous day or early in the morning 'chambermaid needed - such a hotel - start time 8am' or whatever.), taking out car loans for non-existent cars & banking the money & so on.*

*was intrigued at some point to discover - I think it was in Poor Economics - that this method of getting savings by borrowing, say £1000, putting it savings and paying off the debt - is used by quite a lot of people (mostly women!) because for some people, paying off debt is an important commitment so it does happen, while stinting money to get savings is not priority. So while on the one hand it makes no sense in terms of pure financial considerations when interest on debt is taken into account, it does make sense from a different, human, perspective.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Anyone got any experience of Love Energy?

I received some fantastic quotes from them from EDF etc on Friday (relating to our non-domestic supply for common parts of the building), but now I've had a further contact from them resulting from my very initial inquiry from a completely different person that seems to indicate the left hand doesn't know what the right hand is doing as the quotes I've just seen are wildly different from the quotes I was sent on Friday.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

fuctifino posted:

All the problems are down to immigrants according to Turning Point, and it's also down to people voting for Labour, because look at the mess Corbyn's made of our country over the past 13 years.

https://twitter.com/TPointUK/status/1730910828642152679

And now there's this:

https://twitter.com/Redshoogi/status/1732128017168904398

A Tufton St org calling for direct local action. Isn't this terrorism?

https://endmassmigration.uk/

We aren't on a good timeline

Corcoran wrote an article in the Evening Standard a few years ago mainly bragging about she'd gone back to live with her parents and didn't lift a finger to contribute either financially or domestically around the home.

But yeah unfortunately 'immigrants are to blame' is something I've heard loads of people say "NHS is a mess, can't get an appointment, too many people, can't keep letting everyone in", just about every time there's any discussion around here. And when it gets a lot worse because there are no immigrants doing the lower paid work in the public sector that Brits can't or won't do, then there'll be even more anti-immigrant feeling.

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Apparently an inverted red triangle is now meant to mean you support hamas or something.

:rollyeyeballs:

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Cybermen chat:

A few years ago I stayed in an airbnb room in London.

The host had been a cyberman actor back in the original Dr Who days and he said he and most of the other cybermen actors were gay and were always worried about battle scenes when they might have to fall over and break their nails or some such. I can't quite see cybermen in the same light anymore. I thought they were terrifying when I was young.

Original cybermen:


Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

WhatEvil posted:

All this talk of earnings, maybe goons can give me some thoughts.

So I used to earn pretty decent money, but then I had 2.5 years out work due to severe anxiety and Covid. Now I have an undiagnosed disability - some kind of chronic fatigue syndrome / severe brain fog that means I can only typically manage about 4 hours of work per day on average - though I am lucky enough to currently have a job that accommodates that.

Anyway, main thing is, we're living mostly off my wife's earnings now but I do have some extra cash. Thing is though, I'm nearing 40 and I still don't have any real pension to speak of - few £k in the mandatory workplace pension thing that got set up a year or two before I left the UK, and that's it.

Now, I'm thinking that I should start putting some serious cash into a pension... but at the same time, I'm also looking around at... *gestures vaguely at everything* and thinking that we may be due for a major financial collapse or a full-on civilisation collapse before I hit retirement age. What are you lot doing?

Should I pay into a pension? Or spaff it all up the wall and lie a decent life while I still can?

Well I'm over 20 years older than you so pension prospects are a more impending consideration for me than ye youngsters.

My state retirement age is another 2.5 years approx. I will get fingers crossed state pension + small (and I mean small) former employment pension as I could never afford to pay in to the schemes of various employers I had as I had, you know, food to buy & bills to pay and metal gigs at least once a week to attend so I only have actually 7 years contributions into employment pension. + absolutely miniscule NEST which I signed for when I started current role and that looks like being £1 a month if that especially as I'm cutting my work hours down from January and my total income all sources will be below the personal tax allowance.

I don't know what your UK status is. But if you are a UK citizen (eligible to pay tax even if you don't actually pay any because of personal tax allowances etc), you can contribute to a SIPP and even if you don't pay any tax, you can still get the tax relief. Also you can pick cash funds (which run at basically what you would get in a building society about 4.5% at the moment) so money held in cash is at least doing something. So if you are a UK citizen but earn below the personal allowance, if you bung in £2880 (the max you are allowed to if you are a non-taxpayer) in a financial year, the govt will give you £720! When you withdraw it though, there are various provisos eg 25% is tax free, the rest is taxable depending on your total income etc etc. (Also note that the govt top up is a one off, you don't get it again on the same money only on new money so it's not like 25% interest pa!)

If you have no UK tax liabilities as in you don't get any income from UK sources then your options to pay in to a UK designated pension plan may be very limited anyway. Also bear in mind once you put money into a designated pension plan in the UK, you can't take it out again until you're 57 (coming soon but definitely for you and it will probably have gone up by the time you hit the golden years).

[caveat="I am not a financial adviser but]... in your situation, I would stick any 'spare' money in the highest interest savings possible and raid it when you need/want to. [/caveat]

There's a UK Personal Finance thread here:
https://forums.somethingawful.com/showthread.php?threadid=3887120

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Bad food chat:

This is just passed along my FB feed:

Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!

kingturnip posted:

I'd be astonished if there isn't some change to the threshold before it comes into effect. It's such a lunatic idea and would be so damaging to health and care (two sectors already on the brink) that I can't see it staying where it is.
My guess is either:
1) they'll reinforce Shortage Occupation lists to ensure that - for example - the NHS can still keep recruiting clinicians from abroad, because the new 'cap' excludes basically 90% of non-doctor roles;
2) they'll delay the date it goes live until the election is too close and then blame the perfidious NHS for preventing them from "keeping the country safe"

Ultimately, just using the NHS as an example, there's no loving chance that the Tories can achieve any of their stated goals for the NHS if this new threshold comes into effect. And while there are lots of "immigration is too high" people in the country, there are a lot more "I have to wait too long for my NHS appointment" people in the country.

"And while there are lots of "immigration is too high" people in the country, there are a lot more "I have to wait too long for my NHS appointment" people in the country."

Unfortunately, in my experience, these are often the same people who fail totally to see the connection.

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Jaeluni Asjil
Apr 18, 2018

Sorry I thought you were a landlord when I gave you your old avatar!
Thank you whoever used my Octopus referral code :)
Pretty sure it was a goon.
£50 just landed in my account.

I wish you a Merry Octomas


Jaeluni Asjil fucked around with this message at 09:22 on Dec 6, 2023

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