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I agree. I think you meant to reply to the post to which I was responding.

It's not astonishing though. Where is the subsidy? If you are referring to middle income earnings of say £35k to £40k, they get tax relief added to contributions. But this generates faster and greater growth in the pension pot. If the investor is rewarded for this risk and not having access to...

Just for context, I have a DB pension. I never earned enough even to pay higher rate tax, but I worked for the same company for many years. Had I taken a full 25% lump sum, it would have exceeded £100k. But that reduces income in retirement. But taking the £100k+, only gives you money to draw...

Because they've planned their income, expenditure and retirements around it for years?

Imperial Queen. I remember Freddie announcing debuting this new song in Brighton. Locked in my soul forever.

Some are natural, some aren't. A dear departed friend never worked out that the clutch made gear changes easier. :ROFLMAO:

The Kray Twins to sort out Harry and Meghan.

Sometimes mellow acoustic is perfect:

Sorry to see this thread rebooted with sad news. I almost gave a thumbs up to my own post above! I hope he doesn't suffer too much now. Makes me want to email him and thank him for the pleasure since before I even started work over 50 years ago.

Fun facts: It was Hopkin, not Hopkins. My next door neighbour was in the choir on it. It was the second recording released by The Beatles on Apple and produced by Macca himself. Hey Jude was the first release on Apple. Produced by George Martin, but written by McCartney.

They didn't do a lot for our Aaron either!

I've read the article and seen the pictures. He's entirely justified. Taking two plates worth and leaving half. Piled so high you could put a ladder up and plant a flag. Food dripping over the sides. Going back for unlimited seconds then asking for a takeaway box. Yes, he's entirely justified...

Funnily enough, the same as in 2024 when Labour, Reform and the rest won votes by virtue of not being Tories.

I like Igor. Hope he plays.

Some people aren't good at remembering words. Oh hang on, wrong thread.

My favourite artist: The first one The big hit more are likely to know The one from the Magners advert A favourite deeper cut (see avatar)

They won't freeze to death yet. Won't be till after they would have had the winter fuel payment.

If only there was a former Chief Prosecutor or former Head of the CPS, maybe a barister, in a position of authority who could instigate a process to do something to change the system. :ROFLMAO:

To be honest, from my position in West Lower, South, I hear very little in the way of songs or chants at all. A lot from the away fans though. It's just the acoustics. Just the occasional swell of Al be ern, Al be ern is it. I can manage that.