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1

General Discussion Area / Re: Dead Person

« on: Yesterday at 20:28:36 »

Old school player, not like the overacting pansies we see nowadays.

2

General Discussion Area / Re: Budget.

« on: Yesterday at 20:26:55 »

Another one I heard from Martin Lewis yesterday evening, pensioners will not have to pay income tax on their state pension, even if/when the pension exceeds the 20% tax threshold, which it will do in 2027.
However, they will have to pay tax on their occupational pension.

Penson income has always been subject to tax, it's just that the SP has always been less than your personal allowance, so the applicable tax rate is 0%. The SP is always payed as the first tranche of your income.

What happens at the moment is the amount of your SP is deducted from your personal allowance. So if your SP is (say) £10K, and the 'normal' personal allowance is £12570, then your tax code will be 257 (12570 - 10000 = 2570), rather than 1257. This means any other income provider (work, occupation pension or private pension) will pay the first £2570 tax free, and then deduct 20% on everything above that.

If/when the SP exceeds £12570 it makes no sense for the govt to pay it all out, and then HMRC try to claim it back in tax. It would get really messy for pensioners whose only source of income is their SP. They'd end up filling in self assesement tax returns every year.

There must be some people whose SP already exceeds their PA. Anyone on the pre 2016 system with significant S2P/SERPS could be receiving close to £16K. I wonder how that is treated at the moment?

That's what i was alluding to in my reply 60 of this thread. 

3

General Car Chat / Re: So what have you done to your car today?

« on: Yesterday at 20:20:44 »

Are you allowed to say that on here? 

 

You make a good point Ronny, to be fair to this particular lot they seem ok. Also, being on lease I don't have a choice which chain does the work.

Obviously, your lease company don't mind being ripped off.

4

General Car Chat / Re: So what have you done to your car today?

« on: Yesterday at 15:50:18 »

Took it to Kwik fit to cure the hissing noise coming from the NSR tyre.

Thought it might be repairable to look at it, but apparently the hole was too big. So she's getting a new tyre. £323 had I walked in off the street. Thankfully the lease company's paying 

Are you allowed to say that on here? 

5

General Discussion Area / Re: Dead Person

« on: 29 November 2025, 23:55:12 »

Tom Stoppard, playwright 88.

6

General Discussion Area / Re: What has P*ssed you off today?

« on: 28 November 2025, 22:53:42 »

Effing freezer packed up overnight - contents ruined.

Ours is covered on the home insurance, but with an excess of £250 I'd have to have an awful lot of food in there to make it pay

£500 excess, so no chance of a claim.

Unless it's full of Wagu steaks. 

7

General Discussion Area / Re: Boiler boffins.

« on: 28 November 2025, 15:14:11 »

touch those bits with a licked finger. You will soon know by the bit that kills you which is faulty

For a moment there I thought you were talking about wet fanny.

If that's the way you want to moisten your finger, that's your prerogative. 

8

General Discussion Area / Re: Budget.

« on: 28 November 2025, 14:49:36 »

Another one I heard from Martin Lewis yesterday evening, pensioners will not have to pay income tax on their state pension, even if/when the pension exceeds the 20% tax threshold, which it will do in 2027.
However, they will have to pay tax on their occupational pension.

A few weeks ago on here, i asked about my occupational pension which is very close to running down. Thanks for the replies and advice too. The question i now ask is what the DWP now class as 'state pension'. Years ago i decided to stay in the old SERPS pension scheme instead of putting extra into the company scheme, when it went from a final salary to a "money purchase" scheme. This has left me quite a reasonable weekly amount which is well over the £12,570 pa tax threshold. Will the DWP class the extra i receive as part of my pension or tax me on that part?    Haven't heard any comments on the media regarding this situation.

9

General Discussion Area / Re: What has P*ssed you off today?

« on: 27 November 2025, 18:07:31 »

Eon again.

Gas smart meter no communication from meter to them, made arrangements for them last month to sort or exchange the unit but no one turned up.

New appointment today for 8am to 10am  and yes no one turned up yet again.

Just on the phone making a 2nd complaint.

I had EON as my energy supplier a while back. Bloody useless shower of shit. Failed to send a bill for around 9 months, even after repeated requests and then when they finally did, demanded payment in full in 14 days.    Negotiated a payment time frame and when i'd paid it up, told 'em to fark off. 

10

General Car Chat / Re: So what have you done to your car today?

« on: 25 November 2025, 22:16:29 »

Thanks fella's. 

11

General Car Chat / Re: So what have you done to your car today?

« on: 24 November 2025, 23:02:47 »

I think a lot of kids assume that Mum and Dad are a permanent fixture and always there, then all of a sudden, they aren't. SWMBO had a minor stroke just over a week ago and that made them sit up. Luckily she got away quite lightly but has weakness on her left side which seems to be slowly improving. Early days though. Welcome back Dave, hope things go well for you. 

12

General Discussion Area / Re: Boiler boffins.

« on: 23 November 2025, 15:47:36 »

I think our Lord should get rid of that dirty old boiler, replace it with an Air Source Heat Pump and save the planet! 

With his vast tract of land in rural Lincolnshire, i would think that a ground source heat pump would be more fitting. 

13

General Discussion Area / Re: Latest Ukraine Peace deal

« on: 22 November 2025, 14:13:26 »

There were rumours going round a few years ago that Russia's FSB (KGB) had caught Donald Trump with a 'honey trap' with a hooker in a Moscow hotel when he was there on business before he got into politics.

The story went that when the intelligence agents went into the room the hooker was giving him a 'golden shower'.     

Doesn't seem unlikely to be fair. 

.

Pisstake...😄

More of a pissgive i reckon 

14

General Discussion Area / Re: Nathan Gill

« on: 22 November 2025, 14:11:41 »

Should restore the death penalty for high treason.
Could hang him then.

Blair repealed that so we couldn't hang him. 

But for all his faults, did he ever commit treason?

Misplace loyalties, yes. Gullible, yes.  Treason though?


Lets face it, he's probably the best Labour PM we've had this millennium

That's quite a low bar to be fair. 

15

General Discussion Area / Re: 3D Printer Chat

« on: 21 November 2025, 16:04:12 »

Although I have obviously tested multicolour, with a 4 colour Benchy

https://theboy.omegaowners.com/oofpics/oof_odds_and_sods/k2-benchy.mp4

Where's Captain Pugwash?  Joking aside, that is very impressive.