The tax relief to private pensions is about £50 bn per yr. Largely undeserved. On a lowish to middle income, with a pension pot of £100-200k, you lose means-tested benefits in retirement which on average roughly cancel this sum out, so it's a con. On middling to high incomes, most people can afford to save anyway if they don't want to live at the state pension level. It could be withdrawn in stages; tax relief on mortgage interest was phased out over a period I think.
Presumably you'd tax public-sector workers fairly on the same basis, multiplying the annual increment in the accrued salary by around 30 times to get a fair comparison of the taxable benefit (i.e. assuming index-linked annuity rates of around 3%).
Good luck with getting re-elected. Teachers in particular might not be too happy.
I don't think they do. Most of the 1% pay rather a lot of tax. It's difficult to have a high income, and be lawfully resident in the UK, without paying a considerable amount of tax.
Come off it... The government admits they missed out on 36billion/year... The real figure is surely far higher. There's a whole industry around helping the super rich dodge taxes.
There are non doms basically can cough up 90k to avoid tax... over 100k of them. That's billions lost.
I don't know exactly how you get at all of that money - but there are some ideas out there... And the potential benefit is enormous. Should be a priority.
The tax relief to private pensions is about £50 bn per yr. Largely undeserved. On a lowish to middle income, with a pension pot of £100-200k, you lose means-tested benefits in retirement which on average roughly cancel this sum out, so it's a con. On middling to high incomes, most people can afford to save anyway if they don't want to live at the state pension level. It could be withdrawn in stages; tax relief on mortgage interest was phased out over a period I think.
Wow. That's staggering. And to think the government is quibbling with Simon Stevens over a few billion for the NHS...
A cap on the total amount you can have in an ISA would surely be both popular, fair and good for the budget. The idea that some people have millions sitting there tax exempt seems crazy to me.
I thought there was a limit on ISAs? Maybe it's yearly, but that still is in essence a cap on the total amount. As for pension tax relief, isn't it to encourage people to save more?
Yes there is a yearly limit. But there are now people with over £1m in savings who don't pay tax on those savings. We don't need to encourage them to keep saving!
Presumably you'd tax public-sector workers fairly on the same basis, multiplying the annual increment in the accrued salary by around 30 times to get a fair comparison (i.e. assuming index-linked annuity rates of around 3%).
Good luck with getting re-elected.
Shouldn't we assume rates to be negative now as per the recent insurance calc, or am I missing something.
Are DB pensions invested entirely into gilts for say a 35 yr old ? I ask as mine is mostly stocks and its DC.
I don't think they do. Most of the 1% pay rather a lot of tax. It's difficult to have a high income, and be lawfully resident in the UK, without paying a considerable amount of tax.
Come off it... The government admits they missed out on 36billion/year... The real figure is surely far higher. There's a whole industry around helping the super rich dodge taxes.
There are non doms basically can cough up 90k to avoid tax... over 100k of them. That's billions lost.
I don't know exactly how you get at all of that money - but there are some ideas out there... And the potential benefit is enormous. Should be a priority.
The tax relief to private pensions is about £50 bn per yr. Largely undeserved. On a lowish to middle income, with a pension pot of £100-200k, you lose means-tested benefits in retirement which on average roughly cancel this sum out, so it's a con. On middling to high incomes, most people can afford to save anyway if they don't want to live at the state pension level. It could be withdrawn in stages; tax relief on mortgage interest was phased out over a period I think.
Wow. That's staggering. And to think the government is quibbling with Simon Stevens over a few billion for the NHS...
A cap on the total amount you can have in an ISA would surely be both popular, fair and good for the budget. The idea that some people have millions sitting there tax exempt seems crazy to me.
I thought there was a limit on ISAs? Maybe it's yearly, but that still is in essence a cap on the total amount. As for pension tax relief, isn't it to encourage people to save more?
Yes there is a yearly limit. But there are now people with over £1m in savings who don't pay tax on those savings. We don't need to encourage them to keep saving!
How has anyone got over a million in an ISA seeing as the annual limit is £15160, and was less previously ?
I don't think they do. Most of the 1% pay rather a lot of tax. It's difficult to have a high income, and be lawfully resident in the UK, without paying a considerable amount of tax.
Come off it... The government admits they missed out on 36billion/year... The real figure is surely far higher. There's a whole industry around helping the super rich dodge taxes.
There are non doms basically can cough up 90k to avoid tax... over 100k of them. That's billions lost.
I don't know exactly how you get at all of that money - but there are some ideas out there... And the potential benefit is enormous. Should be a priority.
The tax relief to private pensions is about £50 bn per yr. Largely undeserved. On a lowish to middle income, with a pension pot of £100-200k, you lose means-tested benefits in retirement which on average roughly cancel this sum out, so it's a con. On middling to high incomes, most people can afford to save anyway if they don't want to live at the state pension level. It could be withdrawn in stages; tax relief on mortgage interest was phased out over a period I think.
Wow. That's staggering. And to think the government is quibbling with Simon Stevens over a few billion for the NHS...
A cap on the total amount you can have in an ISA would surely be both popular, fair and good for the budget. The idea that some people have millions sitting there tax exempt seems crazy to me.
I thought there was a limit on ISAs? Maybe it's yearly, but that still is in essence a cap on the total amount. As for pension tax relief, isn't it to encourage people to save more?
Yes there is a yearly limit. But there are now people with over £1m in savings who don't pay tax on those savings. We don't need to encourage them to keep saving!
I'm guessing that number is very small? But point taken!
I don't think they do. Most of the 1% pay rather a lot of tax. It's difficult to have a high income, and be lawfully resident in the UK, without paying a considerable amount of tax.
Come off it... The government admits they missed out on 36billion/year... The real figure is surely far higher. There's a whole industry around helping the super rich dodge taxes.
There are non doms basically can cough up 90k to avoid tax... over 100k of them. That's billions lost.
I don't know exactly how you get at all of that money - but there are some ideas out there... And the potential benefit is enormous. Should be a priority.
The tax relief to private pensions is about £50 bn per yr. Largely undeserved. On a lowish to middle income, with a pension pot of £100-200k, you lose means-tested benefits in retirement which on average roughly cancel this sum out, so it's a con. On middling to high incomes, most people can afford to save anyway if they don't want to live at the state pension level. It could be withdrawn in stages; tax relief on mortgage interest was phased out over a period I think.
Wow. That's staggering. And to think the government is quibbling with Simon Stevens over a few billion for the NHS...
A cap on the total amount you can have in an ISA would surely be both popular, fair and good for the budget. The idea that some people have millions sitting there tax exempt seems crazy to me.
I thought there was a limit on ISAs? Maybe it's yearly, but that still is in essence a cap on the total amount. As for pension tax relief, isn't it to encourage people to save more?
Yes there is a yearly limit. But there are now people with over £1m in savings who don't pay tax on those savings. We don't need to encourage them to keep saving!
How has anyone got over a million in an ISA seeing as the annual limit is £15160, and was less previously ?
Mr. rkrkrk, not so sure about that. ISAs must be one of the best known saving account types. Set the limit high and it'll bring in no tax revenue. Set it low and ordinary savers get dragged in.
The longer you leave it with no limit the more money you lose.
Set the limit at £250k. Above that they can pay tax on their savings like the rest of us.
A cap on the total amount you can have in an ISA would surely be both popular, fair and good for the budget. The idea that some people have millions sitting there tax exempt seems crazy to me.
This may seem odd coming from me, but on that I agree with you. My wife and I have managed to stash a pretty chunky sum away in ISAs over the years. It does seem very generous that we can shelter so much.
Shouldn't we assume rates to be negative now as per the recent insurance calc, or am I missing something.
Are DB pensions invested entirely into gilts for say a 35 yr old ? I ask as mine is mostly stocks and its DC.
Company DB pension funds do I believe invest mainly in gilts and high-grade bonds, but of course by definition the sponsoring company, or the government, effectively guarantees the pension irrespective of returns on the investment. If you want to buy an equivalent guarantee with your DC pot on retirement, with inflation protection, you are going to get an annuity rate of around 3% or so at the moment. Inflation protection is fiendishly expensive.
We're not the only ones who act like fools over this. No doubt the Spanish will do this regularly
"These incursions are wrong at a time when negotiations are still going on, but Gibraltarians and Europeans have been let down by both sides because the British government has acted in a reckless and provocative manner. After today’s disruption, I urge both sides to put aside the rhetoric, get round the negotiating table and stop it happening again.” - Eduardo Milibando.
Shouldn't we assume rates to be negative now as per the recent insurance calc, or am I missing something.
Are DB pensions invested entirely into gilts for say a 35 yr old ? I ask as mine is mostly stocks and its DC.
Company DB pension funds do I believe invest mainly in gilts and high-grade bonds, but of course by definition the sponsoring company, or the government, effectively guarantees the pension irrespective of returns on the investment. If you want to buy an equivalent guarantee with your DC pot on retirement, with inflation protection, you are going to get an annuity rate of around 3% or so at the moment. Inflation protection is fiendishly expensive.
So not only is the guaranteed return superior, but the asset class probably generates less absolute return ?!
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
With appropriate growth, it is not healthy to do so though in the "good times". Keynesian works on the basis of spending more when times are lean, and less when times are good.
The UK could run a £1 deficit indefinitely. I'm being pedantic though. But i agree with you - govt spending should be counter cyclical.
So not only is the guaranteed return superior, but the asset class probably generates less absolute return ?!
Yep. That's why companies are so keen to ditch them.
My wife has just been offered a deal in respect of a DB pension fund of a company she used to work for. They are offering an immediate increase on the pension of nearly 40% in return for giving up the index-linking. And we won't be accepting (although to be fair for some people it would be a sensible deal).
With appropriate growth, it is not healthy to do so though in the "good times". Keynesian works on the basis of spending more when times are lean, and less when times are good.
The UK could run a £1 deficit indefinitely. I'm being pedantic though. But i agree with you - govt spending should be counter cyclical.
OK. but the UK is still running a deficit of about £1bn per week despite having been in growth for a good few years. That is not counter-cyclical spending.
Most of those you are having a giraffe...Looking at the winners and runners up, I presume other than the specific US category, they had to be UK shows....
But best crime drama....Happy Valley isn't even the best crime show in any year, let alone 21 Century.....and yeah yeah sure its way better than the Wire...course it is...
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
No luck with the old account?
No – unless the powers that be such as @PBModerator unlock the old one, I'm stuck with this altogether inferior version. I'll try again now...
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
No luck with the old account?
No – unless the powers that be such as @PBModerator unlock the old one, I'm stuck with this altogether inferior version. I'll try again now...
What about your other 999 accounts, none of those work either?
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
I don't think they do. Most of the 1% pay rather a lot of tax. It's difficult to have a high income, and be lawfully resident in the UK, without paying a considerable amount of tax.
Come off it... The government admits they missed out on 36billion/year... The real figure is surely far higher. There's a whole industry around helping the super rich dodge taxes.
There are non doms basically can cough up 90k to avoid tax... over 100k of them. That's billions lost.
I don't know exactly how you get at all of that money - but there are some ideas out there... And the potential benefit is enormous. Should be a priority.
The tax relief to private pensions is about £50 bn per yr. Largely undeserved. On a lowish to middle income, with a pension pot of £100-200k, you lose means-tested benefits in retirement which on average roughly cancel this sum out, so it's a con. On middling to high incomes, most people can afford to save anyway if they don't want to live at the state pension level. It could be withdrawn in stages; tax relief on mortgage interest was phased out over a period I think.
Wow. That's staggering. And to think the government is quibbling with Simon Stevens over a few billion for the NHS...
A cap on the total amount you can have in an ISA would surely be both popular, fair and good for the budget. The idea that some people have millions sitting there tax exempt seems crazy to me.
I thought there was a limit on ISAs? Maybe it's yearly, but that still is in essence a cap on the total amount. As for pension tax relief, isn't it to encourage people to save more?
Yes there is a yearly limit. But there are now people with over £1m in savings who don't pay tax on those savings. We don't need to encourage them to keep saving!
How has anyone got over a million in an ISA seeing as the annual limit is £15160, and was less previously ?
So not only is the guaranteed return superior, but the asset class probably generates less absolute return ?!
Yep. That's why companies are so keen to ditch them.
My wife has just been offered a deal in respect of a DB pension fund of a company she used to work for. They are offering an immediate increase on the pension of nearly 40% in return for giving up the index-linking. And we won't be accepting (although to be fair for some people it would be a sensible deal).
Funny how they make offers like that, the minute inflation hit the 2% target. Pure coincidence of course..
Most of those you are having a giraffe...Looking at the winners and runners up, I presume other than the specific US category, they had to be UK shows....
But best crime drama....Happy Valley isn't even the best crime show in any year, let alone 21 Century.....and yeah yeah sure its way better than the Wire...course it is...
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Probably says more about Radio Times readers than TV drama in general.
So not only is the guaranteed return superior, but the asset class probably generates less absolute return ?!
Yep. That's why companies are so keen to ditch them.
My wife has just been offered a deal in respect of a DB pension fund of a company she used to work for. They are offering an immediate increase on the pension of nearly 40% in return for giving up the index-linking. And we won't be accepting (although to be fair for some people it would be a sensible deal).
Funny how they make offers like that, the minute inflation hit the 2% target. Pure coincidence of course..
Yeah. Nabavi's First Law of Financial Planning, which has worked extremely well over the years, is that if they're very keen to sell you something, you shouldn't buy it.
I think that's a fairly comprehensive list, although I think you may have missed Bojabob? None of them work beyond bobajobPB – which I hope will be a temporary arrangement pending the @PBModerator unlocking Bojabob, which just stopped working a few weeks back for no apparent reason.
Most have been actively sabotaged by myself – I scramble the password or email address to stop myself posting. This time, I did no such thing – it just stopped working, inexplicably.
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Most of those you are having a giraffe...Looking at the winners and runners up, I presume other than the specific US category, they had to be UK shows....
But best crime drama....Happy Valley isn't even the best crime show in any year, let alone 21 Century.....and yeah yeah sure its way better than the Wire...course it is...
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Probably says more about Radio Times readers than TV drama in general.
Sure...I mean in this day and age who the hell pays for a magazine to tell you what time telly shows are on and some fluff pieces about the stars of them....
Most of those you are having a giraffe...Looking at the winners and runners up, I presume other than the specific US category, they had to be UK shows....
But best crime drama....Happy Valley isn't even the best crime show in any year, let alone 21 Century.....and yeah yeah sure its way better than the Wire...course it is...
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Westworld's acting and production is so fantastic it rather distracted me from noticing, on reflection, how not particularly stellar the writing was, but I can think of loads of sci-fi and fantasy shows worthier than Merlin.
I think that's a fairly comprehensive list, although I think you may have missed Bojabob? None of them work beyond bobajobPB – which I hope will be a temporary arrangement pending the @PBModerator unlocking Bojabob, which just stopped working a few weeks back for no apparent reason.
Most have been actively sabotaged by myself – I scramble the password or email address to stop myself posting. This time, I did no such thing – it just stopped working, inexplicably.
You may have done that to the jobabob one if you can't login, it still says march 22nd.
So get the original boba unbanned. We can relive the Edstone, the shock Tory victory, and Corbyn's election. Also Pandas and the desire of the Scots to stay British. Heady times. Ahhhhh...
Most of those you are having a giraffe...Looking at the winners and runners up, I presume other than the specific US category, they had to be UK shows....
But best crime drama....Happy Valley isn't even the best crime show in any year, let alone 21 Century.....and yeah yeah sure its way better than the Wire...course it is...
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Probably says more about Radio Times readers than TV drama in general.
Sure...I mean in this day and age who the hell pays for a magazine to tell you what time telly shows are on and some fluff pieces about the stars of them....
Well quite. Actually until I saw this thread I wasn't aware it was even still published.
Most of those you are having a giraffe...Looking at the winners and runners up, I presume other than the specific US category, they had to be UK shows....
But best crime drama....Happy Valley isn't even the best crime show in any year, let alone 21 Century.....and yeah yeah sure its way better than the Wire...course it is...
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Probably says more about Radio Times readers than TV drama in general.
Sure...I mean in this day and age who the hell pays for a magazine to tell you what time telly shows are on and some fluff pieces about the stars of them....
Well quite. Actually until I saw this thread I wasn't aware it was even still published.
Although interestingly (no idea about telly mags), but proper specialist magazines (no not those sort, I mean like model train weekly) in quite a few sectors are doing really quite well. I scratch my head and think why are you paying £5 per edition when all the info is on the web normally with associated forums / messages boards...but I read something a while back that said that the mags that have survived are doing pretty weel.
Well that's news to me as I haven't received a message saying I have been banned nor any other explanation. I can't think why I have been banned, I'm not sure I have done anything wrong?? On my own profile, it simply looks normal but will not allow me to post. Still, I don't suppose it really matters (other than not being able to change the avatar on the new one)?
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
I think that's a fairly comprehensive list, although I think you may have missed Bojabob? None of them work beyond bobajobPB – which I hope will be a temporary arrangement pending the @PBModerator unlocking Bojabob, which just stopped working a few weeks back for no apparent reason.
Most have been actively sabotaged by myself – I scramble the password or email address to stop myself posting. This time, I did no such thing – it just stopped working, inexplicably.
I suggest you send a very polite and grovelling PM to @rcs1000, ask him if he would be so kind as to find a couple of spare minutes in his very busy schedule to reset the password of the account you wish to use. Make sure it's one that has a working email address attached to it!
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
I don't think they do. Most of the 1% pay rather a lot of tax. It's difficult to have a high income, and be lawfully resident in the UK, without paying a considerable amount of tax.
Come off it... The government admits they missed out on 36billion/year... The real figure is surely far higher. There's a whole industry around helping the super rich dodge taxes.
There are non doms basically can cough up 90k to avoid tax... over 100k of them. That's billions lost.
I don't know exactly how you get at all of that money - but there are some ideas out there... And the potential benefit is enormous. Should be a priority.
The tax relief to private pensions is about £50 bn per yr. Largely undeserved. On a lowish to middle income, with a pension pot of £100-200k, you lose means-tested benefits in retirement which on average roughly cancel this sum out, so it's a con. On middling to high incomes, most people can afford to save anyway if they don't want to live at the state pension level. It could be withdrawn in stages; tax relief on mortgage interest was phased out over a period I think.
Wow. That's staggering. And to think the government is quibbling with Simon Stevens over a few billion for the NHS...
A cap on the total amount you can have in an ISA would surely be both popular, fair and good for the budget. The idea that some people have millions sitting there tax exempt seems crazy to me.
I thought there was a limit on ISAs? Maybe it's yearly, but that still is in essence a cap on the total amount. As for pension tax relief, isn't it to encourage people to save more?
Yes there is a yearly limit. But there are now people with over £1m in savings who don't pay tax on those savings. We don't need to encourage them to keep saving!
How has anyone got over a million in an ISA seeing as the annual limit is £15160, and was less previously ?
Does it involve a time machine? Leaving aside life-time limits, it does seem odd that the annual limit was increased to £20,000 for the new financial year -- surely people who have 80 per cent of the pre-tax national average salary stashed under the mattress are probably not using an actual mattress in the first place.
And, if you haven't already used your 2016/17 ISA allowance of £15,240, and you've got some spare dosh, you've still got until midnight tomorrow, or lose that allowance for ever. It's easy to do on-line, for example with Hargreaves Lansdown.
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
It's a pagan festival. And so what?
It is the resurrection of Christ the holiday is for and Cadbury were exploiting
Well that's news to me as I haven't received a message saying I have been banned nor any other explanation. I can't think why I have been banned, I'm not sure I have done anything wrong?? On my own profile, it simply looks normal but will not allow me to post. Still, I don't suppose it really matters (other than not being able to change the avatar on the new one)?
Admit it- you were arranging your own PB drinkies.
The avatar thing is weird- have you tried a different browser?
So not only is the guaranteed return superior, but the asset class probably generates less absolute return ?!
Yep. That's why companies are so keen to ditch them.
My wife has just been offered a deal in respect of a DB pension fund of a company she used to work for. They are offering an immediate increase on the pension of nearly 40% in return for giving up the index-linking. And we won't be accepting (although to be fair for some people it would be a sensible deal).
Funny how they make offers like that, the minute inflation hit the 2% target. Pure coincidence of course..
Yeah. Nabavi's First Law of Financial Planning, which has worked extremely well over the years, is that if they're very keen to sell you something, you shouldn't buy it.
That is indeed a very sensible rule to live by.
The inverse relationship is also true of course, try getting a loan if you just got fired or your company needs cash flow to pay the bills.
Most of those you are having a giraffe...Looking at the winners and runners up, I presume other than the specific US category, they had to be UK shows....
But best crime drama....Happy Valley isn't even the best crime show in any year, let alone 21 Century.....and yeah yeah sure its way better than the Wire...course it is...
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Probably says more about Radio Times readers than TV drama in general.
Sure...I mean in this day and age who the hell pays for a magazine to tell you what time telly shows are on and some fluff pieces about the stars of them....
Well quite. Actually until I saw this thread I wasn't aware it was even still published.
Although interestingly (no idea about telly mags), but proper specialist magazines (no not those sort, I mean like model train weekly) in quite a few sectors are doing really quite well. I scratch my head and think why are you paying £5 per edition when all the info is on the web normally with associated forums / messages boards...but I read something a while back that said that the mags that have survived are doing pretty weel.
Because they cater for the kind of niche markets that advertisers love, and their costs are low as a lot of their copy comes from enthusiasts who do it as much for love as money and often supply their own photos (I have a friend who regularly contributes to Buses Magazine, which probably says all you need to know about my social circle).
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
It's a pagan festival. And so what?
It is the resurrection of Christ the holiday is for and Cadbury were exploiting
Presumably we can expect similar outrage directed towards the film studios for exploiting Norse mythology.
Well that's news to me as I haven't received a message saying I have been banned nor any other explanation. I can't think why I have been banned, I'm not sure I have done anything wrong?? On my own profile, it simply looks normal but will not allow me to post. Still, I don't suppose it really matters (other than not being able to change the avatar on the new one)?
Admit it- you were arranging your own PB drinkies.
It was a great night with me Bobajob, _Bobajob_, Bojabob and Boba Fett chewing the cud. Lacked the diversity of thought I'd normally expect from a PB night out however.
I think that's a fairly comprehensive list, although I think you may have missed Bojabob? None of them work beyond bobajobPB – which I hope will be a temporary arrangement pending the @PBModerator unlocking Bojabob, which just stopped working a few weeks back for no apparent reason.
Most have been actively sabotaged by myself – I scramble the password or email address to stop myself posting. This time, I did no such thing – it just stopped working, inexplicably.
I suggest you send a very polite and grovelling PM to @rcs1000, ask him if he would be so kind as to find a couple of spare minutes in his very busy schedule to reset the password of the account you wish to use. Make sure it's one that has a working email address attached to it!
I was going to but – believe this or not – my previous account will not allow PMs!!
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
It's a pagan festival. And so what?
It is the resurrection of Christ the holiday is for and Cadbury were exploiting
Presumably we can expect similar outrage directed towards the film studios for exploiting Norse mythology.
Easter eggs symbolise the empty tomb of Christ and films on Norse mythology actually tell the story!
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
Everybody from the Ven Bede on recognises that the name is lifted from British paganism, and eggz=new life is too much of a cliche for anyone to assert ownership of it.
I vaguely recall them being told not to talk to each other, but I could be thinking about another pair of cheeky posters!
Unduly harsh, it was a rather oblique comment at worst, rather than any direct engagement (if that's the reason). There's some draconian justice being dispensed in these here parts.
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Game of Thrones must be the best fantasy drama ever.
Absolutely, but it would be even better if the fantasy element were reduced or removed. Daenerys and her sodding dragons just aren't up there with the rest of the story lines.
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
Everybody from the Ven Bede on recognises that the name is lifted from British paganism, and eggz=new life is too much of a cliche for anyone to assert ownership of it.
It is a holiday because it is a Christian festival celebrating Christ's resurrection not to celebrate the Pagan rite of spring, I would have the same objection to exploitation of Hannukah or Eid without acknowledgement
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
It's a pagan festival. And so what?
It is the resurrection of Christ the holiday is for and Cadbury were exploiting
Presumably we can expect similar outrage directed towards the film studios for exploiting Norse mythology.
Easter eggs symbolise the empty tomb of Christ ...
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Game of Thrones must be the best fantasy drama ever.
Absolutely, but it would be even better if the fantasy element were reduced or removed. Daenerys and her sodding dragons just aren't up there with the rest of the story lines.
Giants and message ravens are ok I suppose.
That's my worry about how it ends. I don't particularly fancy a big battle against white walkers. Much preferred intrigue and plotting at king's landing... And pretty much all scenes with Tyrion and Bronn.
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
Everybody from the Ven Bede on recognises that the name is lifted from British paganism, and eggz=new life is too much of a cliche for anyone to assert ownership of it.
It is a holiday because it is a Christian festival celebrating Christ's resurrection not to celebrate the Pagan right of spring, I would have the same objection to exploitation of Hannukah or Eid without acknowledgement
Without wishing to prolong the Easter thing are people saying that Cadbury's chocolate bunnies showed due reverence to the Christian faith when they had the word Easter on them but now that they are just, um, chocolate bunnies they are violating ancient religious precepts?
I saw his post, it was just saying he'd got the hammer ages ago for pointing out there were a few bob clones. Seems a bit harsh to get banned for that, if he has.
Yep, but they've removed it from the actual name, and have admitted to doing so to appeal to non-religious customers. So had the National Trust too, before they quietly put it back in on their website.
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
It's a pagan festival. And so what?
It is the resurrection of Christ the holiday is for and Cadbury were exploiting
Presumably we can expect similar outrage directed towards the film studios for exploiting Norse mythology.
Easter eggs symbolise the empty tomb of Christ ...
No they don't; what is the point of similarity?
Yes they do, they symbolise Christ's tomb and their opening his resurrection, if Islamic symbols were exploited in this way there would be an even more forceful response
Most of those you are having a giraffe...Looking at the winners and runners up, I presume other than the specific US category, they had to be UK shows....
But best crime drama....Happy Valley isn't even the best crime show in any year, let alone 21 Century.....and yeah yeah sure its way better than the Wire...course it is...
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Probably says more about Radio Times readers than TV drama in general.
Sure...I mean in this day and age who the hell pays for a magazine to tell you what time telly shows are on and some fluff pieces about the stars of them....
Well quite. Actually until I saw this thread I wasn't aware it was even still published.
Although interestingly (no idea about telly mags), but proper specialist magazines (no not those sort, I mean like model train weekly) in quite a few sectors are doing really quite well. I scratch my head and think why are you paying £5 per edition when all the info is on the web normally with associated forums / messages boards...but I read something a while back that said that the mags that have survived are doing pretty weel.
Because they cater for the kind of niche markets that advertisers love, and their costs are low as a lot of their copy comes from enthusiasts who do it as much for love as money and often supply their own photos (I have a friend who regularly contributes to Buses Magazine, which probably says all you need to know about my social circle).
Yep, but they've removed it from the actual name, and have admitted to doing so to appeal to non-religious customers. So had the National Trust too, before they quietly put it back in on their website.
Chocolate eggs were invented in 1873. I don't remember them in the bible.
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
Everybody from the Ven Bede on recognises that the name is lifted from British paganism, and eggz=new life is too much of a cliche for anyone to assert ownership of it.
It is a holiday because it is a Christian festival celebrating Christ's resurrection not to celebrate the Pagan right of spring, I would have the same objection to exploitation of Hannukah or Eid without acknowledgement
14 now... .. ah, the search thing didn't count the one in the image. A shame, I enjoyed thinking for a moment that they were slowly erasing it from their promotional materials
Yep, but they've removed it from the actual name, and have admitted to doing so to appeal to non-religious customers. So had the National Trust too, before they quietly put it back in on their website.
Chocolate eggs were invented in 1873. I don't remember them in the bible.
You were automatically banned for violating the rule about not interacting with Isam.
Also, please stick to this current screenname this is your final screeenname, vanilla is set up to stop spammers running multiple screenames operating from a single machine/IP address, so we limit the number of accounts anyone can operate from a single machine/IP address.
Any attempt to set up another screenname will automatically disable your posting privileges on all your accounts
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
It's a pagan festival. And so what?
It is the resurrection of Christ the holiday is for and Cadbury were exploiting
Presumably we can expect similar outrage directed towards the film studios for exploiting Norse mythology.
Easter eggs symbolise the empty tomb of Christ ...
No they don't; what is the point of similarity?
Yes they do, they symbolise Christ's tomb and their opening his resurrection, if Islamic symbols were exploited in this way there would be an even more forceful response
I think the bus on that outrage has already left the station, since how many people enjoying an easter egg know that supposed symbolism?
You were automatically banned for violating the rule about not interacting with Isam.
Also, please stick to this current screenname this is your final screeenname, vanilla is set up to stop spammers running multiple screenames operating from a single machine/IP address, so we limit the number of accounts anyone can operate from a single machine/IP address.
Any attempt to set up another screenname will automatically disable your posting privileges on all your accounts
Here endeth the lesson..
Am I allowed to ask who the PBModerator is? Mr Smithson himself?
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
Everybody from the Ven Bede on recognises that the name is lifted from British paganism, and eggz=new life is too much of a cliche for anyone to assert ownership of it.
It is a holiday because it is a Christian festival celebrating Christ's resurrection not to celebrate the Pagan rite of spring, I would have the same objection to exploitation of Hannukah or Eid without acknowledgement
I don't do religion, but I find it a bit cheeky that the retail calendar is pretty much split up into 3 seasons- Christmas runs from September to New Years, Easter runs from January 1st until Easter Sunday, and then you have the Halloween/Guy Fawkes season overlapping with the start of Christmas, and then the retailers chuck a few more religious festivals that they think they can get a few quid out of in between.
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
Game of Thrones must be the best fantasy drama ever.
Absolutely, but it would be even better if the fantasy element were reduced or removed. Daenerys and her sodding dragons just aren't up there with the rest of the story lines.
Giants and message ravens are ok I suppose.
That's my worry about how it ends. I don't particularly fancy a big battle against white walkers. Much preferred intrigue and plotting at king's landing... And pretty much all scenes with Tyrion and Bronn.
It has always been an amusing thing, ASOIAF, since the fact so much focus is on the intrigue and plotting shows that much like the audience, the author probably finds that the most interesting too, but its within a world where the catalysmic fantasy showdown seems an inevitability (and a pretty rapid one too, given how close to the end it is)
Yep, but they've removed it from the actual name, and have admitted to doing so to appeal to non-religious customers. So had the National Trust too, before they quietly put it back in on their website.
Chocolate eggs were invented in 1873. I don't remember them in the bible.
You were automatically banned for violating the rule about not interacting with Isam.
Also, please stick to this current screenname this is your final screeenname, vanilla is set up to stop spammers running multiple screenames operating from a single machine/IP address, so we limit the number of accounts anyone can operate from a single machine/IP address.
Any attempt to set up another screenname will automatically disable your posting privileges on all your accounts
Here endeth the lesson..
Am I allowed to ask who the PBModerator is? Mr Smithson himself?
Corbyn backs May? Another sign she's reacting poorly. (In all fairness, some of his ideas are not terrible)
Deary me.
This is between Kraft and the National Trust. What business is it of politicians ?-
Indeed. The Easter egg story is perhaps the most pathetic non-story to lead the news in the last decade. That Corbyn is now getting involved doesn't surprise me.
Not for Christians it isn't and Egggate has brought May and Corbyn together in a rare display of unity
Which says more about them than it does about Kraft-Cadbury. Who gives a flying cluck?
Those who don't want a corporation using a Christian festival and symbolism for their own commercial gain without acknowledging the copyright
It's a pagan festival. And so what?
It is the resurrection of Christ the holiday is for and Cadbury were exploiting
Presumably we can expect similar outrage directed towards the film studios for exploiting Norse mythology.
Easter eggs symbolise the empty tomb of Christ ...
No they don't; what is the point of similarity?
Yes they do, they symbolise Christ's tomb and their opening his resurrection, if Islamic symbols were exploited in this way there would be an even more forceful response
I think the bus on that outrage has already left the station, since how many people enjoying an easter egg know that supposed symbolism?
That is not the point, the point is it is a symbol of the Easter holiday mandated by government and May has reinforced that message alongside Corbyn and the Church to reestablish its religious meaning against the militant securalism being pushed by Cadbury
Comments
Good luck with getting re-elected. Teachers in particular might not be too happy.
Are DB pensions invested entirely into gilts for say a 35 yr old ? I ask as mine is mostly stocks and its DC.
Set the limit at £250k. Above that they can pay tax on their savings like the rest of us.
But i agree with you - govt spending should be counter cyclical.
My wife has just been offered a deal in respect of a DB pension fund of a company she used to work for. They are offering an immediate increase on the pension of nearly 40% in return for giving up the index-linking. And we won't be accepting (although to be fair for some people it would be a sensible deal).
http://www.bbc.co.uk/news/entertainment-arts-39489377
Most of those you are having a giraffe...Looking at the winners and runners up, I presume other than the specific US category, they had to be UK shows....
But best crime drama....Happy Valley isn't even the best crime show in any year, let alone 21 Century.....and yeah yeah sure its way better than the Wire...course it is...
Best sci-fi & fantasy - Merlin....No sign of Westworld, Hopkins amazing performance, amazing plot....instant classic.
http://m.parismatch.com/Actu/Politique/Sondage-presidentielle-egalite-parfaite-entre-Macron-et-Le-Pen-1226207
Sorry, permission denied.
Any luck with your avatar on this one? That might just be a browser issue.
A worthless set of selections.
Edited extra bit: that said, I did enjoy The Bridge, but it's also the only foreign language thingummyjig I've watched recently.
I don't think in polling the BBC production department under the threat of job loses should they get the "wrong" answer would return that result.
http://politicalbetting.vanillaforums.com/profile/bobajob <- Mar 13 -> Feb 16 (Currently banned)
http://politicalbetting.vanillaforums.com/profile/thelastboyscout Active early 14.
http://politicalbetting.vanillaforums.com/profile/jobabob <- Feb 16 -> Mar 17
http://politicalbetting.vanillaforums.com/profile/bobajobpb 04/04/17 -> Onward
http://politicalbetting.vanillaforums.com/profile/__Bobajob__
Most have been actively sabotaged by myself – I scramble the password or email address to stop myself posting. This time, I did no such thing – it just stopped working, inexplicably.
That's some seriously good investing skills
The avatar thing is weird- have you tried a different browser?
The inverse relationship is also true of course, try getting a loan if you just got fired or your company needs cash flow to pay the bills.
Everybody from the Ven Bede on recognises that the name is lifted from British paganism, and eggz=new life is too much of a cliche for anyone to assert ownership of it.
Giants and message ravens are ok I suppose.
You were automatically banned for violating the rule about not interacting with Isam.
Also, please stick to this current screenname this is your final screeenname, vanilla is set up to stop spammers running multiple screenames operating from a single machine/IP address, so we limit the number of accounts anyone can operate from a single machine/IP address.
Any attempt to set up another screenname will automatically disable your posting privileges on all your accounts
Here endeth the lesson..
(I'd probably go for a Nestle or Galaxy one rather than a Cadbury's, mind.)
https://en.m.wikipedia.org/wiki/Easter_egg
How does one get onto the speaker circuit? Does one need an agent or send in one's CV to one of the many agencies?
If anyone has any brilliant ideas, let me know or vanilla mail me.
Thank you