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Please play nicely.  No one wants to listen/read a keyboard warriors rants....

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 1 
 on: Today at 18:20:20 
Started by tigers_gonads - Last post by LC0112G
Your household income, so if you take home 2k a month, that would be 300...

I believe that pension calculators under estimate the pot value/market performance, and make no allowance for any specific portfolio.

Using a compound calculator I get anything from 127-145k if it makes 7% and 549-714k  if it averages 14%...

Depending on retiring at 65 or 67 and me not adding to current pot.

Paying in 250 a month with a 3% annual increase sees that rise to 343-406k at 7% and 1.08m to 1.48m at 14%

Worst case, I do nothing more and run out of money aged 83 on 1k pm, paying 250 pm will see me to 90/92 at 1,750-2,100 pm at 7%.

14% growth will give me an income of 10k- 13.75kpm to 90/92.

The lower number assumes drawing on pot at 65 vs 67, and drawdown income is gross and assumes the same growth rate as the original investments. It also does not include state pension.

No-one would plan on 14% returns nowadays. Even 7% is considered aggressive.  An IFA has to work with rates prescribed by the regulator, and I think they're cautions = -1%, average = +1%, aggressive = +3%. I agree these are overly pessimistic, but whilst 14% may be possible you'd have to be very very lucky. Most would pick a year on year growth rate between 4% and 8%.

 2 
 on: Today at 18:15:34 
Started by tigers_gonads - Last post by Migv6
Wtf is she doing moving to greater London ?
She's clearly deranged.  I mean, she is a lovely lady and all that, but look what she married :P


Tunnie - you know you're batting above your abilities there ;D

Irishwomen do tend to be a bit crazy. Thats why I didn't marry one.  ;D ;D
On the other hand, Irish men tend to be even more crazy and my wife married one of them.  :D

 3 
 on: Today at 18:14:13 
Started by tigers_gonads - Last post by LC0112G
Nothing to prevent her from moving all of them into a SIPP or similar, with the added benefit of being able to control the investments ;)

Incidentally, is 15% of household income a reasonable pension contribution?

You need to work backwards. Work out what you think you'll need to live on per year when you retire. At that point you need a big enough pot such that the income from the pot gives you your required income. Income from the pot is a bit finger in the air, but 3-4% above inflation is the kind of rates I plan on. So if you'll need (say) 20K income in retirement, 8500 comes from the SP, you need enough pot to supply the other 11500 p/a, which at 3% means you need a pot of about 383K at your SP age.

Between now and your SP age you need to accumulate (say) 400K to be safe. If you invest evenly between the ages of 27 and 67 (40 years), and if you achieve investment return rates similar to the long term average of 5% + inflation, then you need to be putting away about 260 per month. If you start saving later you'll have to put more away. If you don't start till you're 37 (so 30 years) then you'll need to be putting more like 480 per month. Start at 47 and it's 730 per month. You're 47 year old self will thank your 17 year old self if you started then - it'd only need 150 p/m.

If you want to retire earlier you'll have to put more away, or start earlier. If you want more income, you'll have to put more away, or retire later. If you never put anything away you'll be living your old age in abject poverty.

 4 
 on: Today at 18:12:57 
Started by STEMO - Last post by Migv6
Tbh, the amount of trade that goes from Norn Irn to the south is so small that it isn't really worth bothering about. Its the EU,s problem rather than a British one.
Bringing it to the mainland and then sending it back across to the South would probably solve the issue with the taxpayer picking up a relatively small tab for doing so.
Ive always thought it to be a red herring. If they want to solve it they will do so at the very last minute. If they think they can use it to collapse the Brexit process, they will do that and blame May for it.
If we are building a bridge to Norn Ireland can we build it from Essex please ?  ;D

 5 
 on: Today at 18:09:52 
Started by polilara - Last post by Doctor Gollum
On the cup the top mount sits in :y

 6 
 on: Today at 18:08:48 
Started by tigers_gonads - Last post by Doctor Gollum
Your household income, so if you take home 2k a month, that would be 300...

I believe that pension calculators under estimate the pot value/market performance, and make no allowance for any specific portfolio.

Using a compound calculator I get anything from 127-145k if it makes 7% and 549-714k  if it averages 14%...

Depending on retiring at 65 or 67 and me not adding to current pot.

Paying in 250 a month with a 3% annual increase sees that rise to 343-406k at 7% and 1.08m to 1.48m at 14%

Worst case, I do nothing more and run out of money aged 83 on 1k pm, paying 250 pm will see me to 90/92 at 1,750-2,100 pm at 7%.

14% growth will give me an income of 10k- 13.75kpm to 90/92.

The lower number assumes drawing on pot at 65 vs 67, and drawdown income is gross and assumes the same growth rate as the original investments. It also does not include state pension.

 7 
 on: Today at 18:07:17 
Started by biggriffin - Last post by Migv6
1 interior light 09104492, think it's pfl, 10 posted.

X2 maf for 3.0L,, Bosch
0280 217 503. 25 posted. 

Or sensible offers.


Wotsdathen ?  :-\

 8 
 on: Today at 18:03:36 
Started by tigers_gonads - Last post by TheBoy
Wtf is she doing moving to greater London ?
She's clearly deranged.  I mean, she is a lovely lady and all that, but look what she married :P


Tunnie - you know you're batting above your abilities there ;D

 9 
 on: Today at 18:01:38 
Started by polilara - Last post by polilara
You might find that the end of the springs have paint on them. It's a colour code to indicate the application. I.E left hand drive V6 Saloon etc. If you have new OEM springs then the paint code should match. Aftermarket springs maybe don't have the paint code. And the paint on the old springs might have worn off by now.

When you remove a strut you will see that there are two small holes in the lower mounting dish for the spring. Make sure you note and mark which hole is located inboard as mounted on the car. IE the hole's position relative to the steering knuckle. The strut needs to be reassembled with the hole you marked in the same position.
Have to check this when back in my garage, thaks, driving with my 2010 Astra for a while.
I really do not understand which two holes we are talking about.

 10 
 on: Today at 18:01:18 
Started by tigers_gonads - Last post by Migv6
Whereabouts in Norn Irn is Mrs T from ?
Her parents hail from Galway, Ireland.

Ah, by your post above I thought you meant she was from Norn Irn and therefore British.
Galway is a lovely place btw. Ive seen the sun go down on Galway bay. Wtf is she doing moving to greater London ? - apart from the ability to make money and meet the man of her dreams.  ;D


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