[Woman finds wads of cash, hands it in]

found cash heaps time in bars on floor - most was 40 quid in Port Rush - goes towards Keabs and beer

anything traceable would hand in - few times chased after folk who have dropped/left behind cell phones 

I've lost stuff, which have been traceable with diary with home address etc in them and not a cheap 

 

[Yet another US shooting]

living in texas - was @ work today, and not  even discussed about the shooting 

couple weeks back 1 of the houses in the street (gated area) earlier in evening got a safe stolen - solution for my friend and neighbour was to go and get their handguns and place them in holster & walk about the street ..........

apparently my friends know the uncle of the shooter - they live about 130 miles south of Udvale

[FIRE Discussion and Resources]

19 minutes ago, oaksoft said:

That's fair enough but it isn't necessary to get to that position. It's quite possible to live off a bit of the capital as well, providing you can budget a decent lifestyle without running out of money before things like your pension kick in.

Your second sentence there highlights the problem - you risk putting off and putting off and putting off when in actual fact you could quite easily retire a few years earlier.

It's down to each individual to decide though.

i was kind of speaking about current income not retirement income - i didn't want to come across as meaning that saving is easy for everyone, because people have their own cost base, and while the UK average salary is around 35K i think - there is peaks and troughs and figures are distorted by 9-15 Million in London/London Metropolitan Area  

I've always saved one way or another from age 19/20 but the values  have increased significantly this last 12 years, due to salary - so easy to make sweeping statements which are not appropriate for other peoples circumstances as you say

Although as they say - life is for living, and money is not worth so much to you at 80 

I just don't want to be working until the age of my colleagues - although i have colleagues at 63-67 who enjoy coming to work, and being challenged, and continue to plan to work  - although this is all office based and guys are very well paid     

[FIRE Discussion and Resources]

my thought process is quite simple - always spend from  income not savings 

although - income does need to be of reasonable size, and most peoples peak earnings are at 47, so people can afford more as they age

@ one time i was paying 37% of salary into pension @ employer was 16%, basically wiping out the 40% tax bracket - currently pay in 19% and employer is 9% (same employer but different contracts )   

That is on way into savings  - on way out when i plan to take drawdown, do not expect to pay taxes because will be located in are, where overseas earned pensions are not taxed   

 

 

[General Politics Thread]

On 30/03/2022 at 15:20, coprolite said:

Pretty sure it's income tax the recipients pay after 75, not iht. 

And utd are dundee's wee team

can avoid the Income tax by inheritance into a pension - or if pension was under a QROPS but that is off at another tangent  

[Does anyone here live near where they filmed some of the scenes from "Highlander" ?]

On 21/11/2021 at 23:00, AmericanFan said:

I was meaning a logical 20 minutes or so. 

not sure that's logical - Folk who live in Houston take 40 minutes to drive to centre of Houston   

[Does anyone here live near where they filmed some of the scenes from "Highlander" ?]

1 hour ago, AmericanFan said:

Just curious. 

depends if you mean by american terms 

an american in Houston may say they live near Laredo due to being 335 miles away  - Length of Scotland is 264 miles from top to bottom - so everyone could live near the highlander filming 

Everyone should be within a 4-5 hour drive at longest from most of the film sites 

I think it takes 14 hours to drive east to west texas as a comparator