Quick Question Thread

[jimbaxters]

1 hour ago, KnightswoodBear said:

Can anyone recommend somewhere in Glasgow that replaces broken ipad screens?  Apple can absolutely get fucked with what they charge. 

The guy who stands outside the Apple Store on Buchanan Street with a sign saying "Cheap Apple Repairs" will be able to direct you, I'm sure.

[mathematics]

Mrs Mathematics has suggested we get life insurance (I’m not worried, are you worried?) but I know the square root of f**k all about it all.

I’m in my forties and she’s in her thirties. One child. Middle class jobs. Is insurance worth it / essential / pointless? Any tips?

[Sergeant Wilson]

5 hours ago, jimbaxters said:

The guy who stands outside the Apple Store on Buchanan Street with a sign saying "Cheap Apple Repairs" will be able to direct you, I'm sure.

I often wondered what he did.

[Rugster]

15 minutes ago, mathematics said:

Mrs Mathematics has suggested we get life insurance (I’m not worried, are you worried?) but I know the square root of f**k all about it all.

I’m in my forties and she’s in her thirties. One child. Middle class jobs. Is insurance worth it / essential / pointless? Any tips?

@Honest Saints Fan

[Leith Green]

32 minutes ago, mathematics said:

Mrs Mathematics has suggested we get life insurance (I’m not worried, are you worried?) but I know the square root of f**k all about it all.

I’m in my forties and she’s in her thirties. One child. Middle class jobs. Is insurance worth it / essential / pointless? Any tips?

Life insurance is sensible if you have a big ongoing debt to service - e.g. If its to pay off the mortgage in case one of you snuffs it, then yes it makes sense.

Otherwise, you might already have some kind of Death in Service / Critical Illness cover lump sum alongside your pension with your middle class jobs.

If you already have both of these, sounds like she is looking to off you for the sweet cashola then f**k off to Spain with Juan the gardener...........

[Honest Saints Fan]

1 hour ago, mathematics said:

Mrs Mathematics has suggested we get life insurance (I’m not worried, are you worried?) but I know the square root of f**k all about it all.

I’m in my forties and she’s in her thirties. One child. Middle class jobs. Is insurance worth it / essential / pointless? Any tips?

I don't know too much about life insurance but yes I'd recommend it if you have a child. Its morbid but if both of you died tomorrow who would look after your child and how would they pay for it? 

Also check if you have death in service policies with your work as this is a form of life insurance.

Critical illness too. It pays out a lump sum if you are diagnosed with certain conditions. Usually enough to pay your mortgage off or see you comfortable for a few years if you couldn't work (I've personally spent mine on holidays ). 

Another good insurance if you have the means is income protection which pays out a percentage of your income every month until you retire. This is if you are unable to work due to a health condition. 

[mathematics]

Thank you @Leith Green and @Honest Saints Fan. Mrs Mathematics has some decent benefits being in the NHS, but I can’t imagine my work offer anything worth considering.

Edited May 18, 2023 by mathematics

[TxRover]

5 hours ago, mathematics said:

Mrs Mathematics has suggested we get life insurance (I’m not worried, are you worried?) but I know the square root of f**k all about it all.

I’m in my forties and she’s in her thirties. One child. Middle class jobs. Is insurance worth it / essential / pointless? Any tips?

Term insurance. Stay the f**k away from whole life and (especially) universal policies. A few basics:

Term Life offers coverage for a specified period, usually at a fixed rate (there are some that have escalator price, I’d avoid those). At the end of the term, a renewal may be offered, but usually at a significantly higher rate (you’re older, and more likely to die).

Whole Life is coverage for as long as you pay with the “benefit” of accruing a cash value (because you’ve been paying a much higher rate).

Universal Life is coverage like whole life with the idea the interest on your cash value will start playing the premiums at some date in the future…but that all can (and did) go to shite if the interest rates fall.

Determine your insurance needs (hers may differ from yours…if one of you dies, what does the other need and for how long), preferably in the following periods…0-10, 11-20, 21-30 years. Consider buying a Term Policy each in an appropriate value, for the appropriate period. Remember that term policy rates increase on your birthday, so buying a term policy a month before you turn 50 is a bit cheaper per month (for however many years) than buying it after you turn 50.

Example: I purchased a 20 year term policy when I was 36, valued at $750,000, for $75 a month. It was chosen to cover my wife and daughters necessary costs for 7-10 years after I died (they would receive an income, but less than if I was alive). When I turned 56, they offered to renew it for 10 more years at $1,200 a month (yep, a 16 fold increase). Instead I now have a $200,000 10 year term policy that costs $200 per month, because that covers my reduced needs.

Edited May 18, 2023 by TxRover

[Lucyintheskywithdiamonds]

On 17/05/2023 at 07:17, Fullerene said:

Complaint from ICTFCHusband. 

I think this is literally what happened.From what I read before the comments disappeared. I presume she deleted them because her other comments are still up so I believe but it says “guest” before her username.Her controlling abusive ex boyfriend kept reporting her account everytime she posted something.Apparently she got a warning or something so contacted them they removed it they confirmed it was in fact her ex ictfc husband doing the reporting. Told her she hadn’t violated any guidlines and that both the ex ictfc husband and herself could remain on the forum. However she decided to leave. From reading what she put in her last post I don’t think the tinder stories were made up at all. It’s sad that she was forced to leave the site. 

[Dan Steele]

6 minutes ago, Lucyintheskywithdiamonds said:

I think this is literally what happened.From what I read before the comments disappeared. I presume she deleted them because her other comments are still up so I believe but it says “guest” before her username.Her controlling abusive ex boyfriend kept reporting her account everytime she posted something.Apparently she got a warning or something so contacted them they removed it they confirmed it was in fact her ex ictfc husband doing the reporting. Told her she hadn’t violated any guidlines and that both the ex ictfc husband and herself could remain on the forum. However she decided to leave. From reading what she put in her last post I don’t think the tinder stories were made up at all. It’s sad that she was forced to leave the site. 

Well, you should know.

[Swarley]

8 hours ago, mathematics said:

Mrs Mathematics has suggested we get life insurance (I’m not worried, are you worried?) but I know the square root of f**k all about it all.

I’m in my forties and she’s in her thirties. One child. Middle class jobs. Is insurance worth it / essential / pointless? Any tips?

Alarm bells going off here. Be especially concerned if she says that its just for you and she doesn't need any cover. Farewell sweet prince.

[Leith Green]

On 17/05/2023 at 10:15, KnightswoodBear said:

I've got Bruce Springsteen at Murrayfield in a couple of weeks, but I need to take the car to get back to Glasgow for the kids after the gig.  Any suggestions of somewhere to park that isn't a million miles away and is the right side to get back to Glasgow?

 

On 17/05/2023 at 10:50, Swarley said:

Spooky. That is the current topic on the Signal chat with my mates (yes, I used the plural). Thoughts were parking outside Edinburgh, Ingliston or Gyle way, and using the tram. 

The tram in is absolutely the right shout - only issue, I imagine, is post gig. They do put on additional trams etc, but it will be a complete scrum and probably a bit of an unpleasant journey back to the P&R.

[Swarley]

2 hours ago, Leith Green said:

 

The tram in is absolutely the right shout - only issue, I imagine, is post gig. They do put on additional trams etc, but it will be a complete scrum and probably a bit of an unpleasant journey back to the P&R.

Agreed. He should just stay in Edinburgh and have a decent night out. Go home the next day. Sod his kids and their needs. 

[Miguel Sanchez]

@Derry Alli looks like your initial hypothesis was correct.

[Leith Green]

@KnightswoodBear @Swarley

This twitter account might be useful for you lads ahead of that Springsteen gig

 

 

[Swarley]

1 hour ago, Leith Green said:

@KnightswoodBear @Swarley

This twitter account might be useful for you lads ahead of that Springsteen gig

 

 

Thanks, will share with those going

[Derry Alli]

Escape rooms : Are they worth it?

I'm booking into a Wreck It in Aberdeen and theres an Escape room set up a couple doors down so I might make a full day of it - I see theres a few in Dundee too so I might hold off and do it another week. The hardest one has a record of 20mins and you've got 60mins to escape. 

I'm a bit apprehensive that I pay £50 a head and walk out 20mins later as its aimed at raging simpletons.

[Molotov]

6 minutes ago, Derry Alli said:

Escape rooms : Are they worth it?

I'm a bit apprehensive that I pay £50 a head and walk out 20mins later as its aimed at raging simpletons.

Sounds like something to avoid. The only thing escaping is £50 from your wallet.
I’m sure you could find other entertainment. A good meal in the city at a decent restaurant?
Perhaps a dandy don can help.

[Derry Alli]

1 minute ago, Molotov said:

Sounds like something to avoid. The only thing escaping is £50 from your wallet.
I’m sure you could find other entertainment. A good meal in the city at a decent restaurant?
Perhaps a dandy don can help.

I was already planning a meal its just whether I spend more time doing something there or get out of dodge and head back down the road. After an hour of smashing a room up and food I'm not really sure I could be bothered with a bit mental stimulation. It was more a case of seeing if anyone has done them. It'll be time spent with mates but at the same time - it's my mates.

[GordonD]

26 minutes ago, Derry Alli said:

Escape rooms : Are they worth it?

I'm booking into a Wreck It in Aberdeen and theres an Escape room set up a couple doors down so I might make a full day of it - I see theres a few in Dundee too so I might hold off and do it another week. The hardest one has a record of 20mins and you've got 60mins to escape. 

I'm a bit apprehensive that I pay £50 a head and walk out 20mins later as its aimed at raging simpletons.

If you're in an escape room in Dundee would you want to get out?