resk

England failed to win an international trophy during Andy Considine's playing career. Legend.

Vote early, vote often.

^^^^ what he said.

SNP. To no avail as we elected Andrew Fucking Bowie around my way. c***s.

I think inheritance isn't compulsory though. Ie. you can refuse it.

I think (thought?) I had a decent memory of our players from nearly forty years of going to Pittodrie, but absolutely no recollection of McCulloch or Souter!

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

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.

Probably just there for the snorkelling.

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.

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.

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.

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....

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.