Search found 601 matches

by JohnB
July 15th, 2019, 4:46 pm
Forum: The Natural World
Topic: Wildlife meadows
Replies: 6
Views: 168

Re: Wildlife meadows

In the country park where I volunteer we have 4 fields we manage for orchids on chalk. Our technique is to hay cut in autumn, removing the hay, and then import sheep for 6 weeks for a close crop. Keep it lean to keep them keen.
by JohnB
July 15th, 2019, 9:19 am
Forum: Sports Bar (all sports)
Topic: Cricket WC final
Replies: 9
Views: 224

Re: Cricket WC final

Did you know it should have been 1+4 for that overthrow, so in fact England should have lost? https://www.nzherald.co.nz/sport/news/a ... d=12249636
by JohnB
July 13th, 2019, 8:02 am
Forum: Retirement Investing (inc FIRE)
Topic: FIRE starts today
Replies: 20
Views: 1040

Re: FIRE starts today

The NHS problem is very complicated, but revolves round allowance tapering. In the worst case when a doctor takes on a set of shifts that boosts their income from 110000 to 111000 (and total package above £150k), the extra £1000 is taxed at 45%, loses £500 of personal allowance and £500 of pension a...
by JohnB
July 11th, 2019, 1:30 pm
Forum: Retirement Investing (inc FIRE)
Topic: FIRE starts today
Replies: 20
Views: 1040

Re: FIRE starts today

Join a happy club. What do you plan to do with all released time, good works, or frittering it away like me?
by JohnB
July 10th, 2019, 6:18 pm
Forum: Polite Discussions
Topic: Sir Nigel?
Replies: 44
Views: 615

Re: Sir Nigel?

I was doing nature conservation near his house today. If I'd seen him I'd have been sorely tempted to borrow the chainsaw and see how he felt as the Black Knight from Monty Python
by JohnB
July 8th, 2019, 8:30 pm
Forum: Polite Discussions
Topic: Brexit all over?
Replies: 2205
Views: 43374

Re: Brexit all over?

Remainers score a key victory over Labour policy tonight. https://www.theguardian.com/politics/2019/jul/08/unions-agree-labour-should-back-remain-second-referendum-brexit I think Boris' government will fall unless it offers a second referendum, and he will be asking himself, which is the bigger risk...
by JohnB
July 8th, 2019, 8:25 pm
Forum: Polite Discussions
Topic: Unions support second referendum
Replies: 4
Views: 211

Re: Unions support second referendum

The Guardian version of the story https://www.theguardian.com/politics/2019/jul/08/unions-agree-labour-should-back-remain-second-referendum-brexit I think the whole idea of a Labour deal will fade away, as there is little chance of them having an absolute majority, and their likely supporters the Li...
by JohnB
July 8th, 2019, 12:12 pm
Forum: Investment Strategies
Topic: Will inherited wealth help or hurt those you love?
Replies: 33
Views: 1687

Re: Will inherited wealth help or hurt those you love?

My grandfather (who I was never allowed to meet) gave half his money to his children, half to his grandchildren, in the mid-70s. I must have got about £6k. It was the foundation of my house deposit, and my sister's, and a lot more useful to us than my parents. As I have no children, only nephews, I'...
by JohnB
July 7th, 2019, 3:19 pm
Forum: Investment Strategies
Topic: Will inherited wealth help or hurt those you love?
Replies: 33
Views: 1687

Re: Will inherited wealth help or hurt those you love?

I'm puzzled by the attitude that the world is split into only 2 camps, the competent who need no help, and the feckless who will waste any gifts. Clearly there is a wide spectrum of personalities and circumstances. As money can't be destroyed, the question is really whether its up to the state to in...
by JohnB
July 5th, 2019, 7:02 pm
Forum: Taxes
Topic: Office of Tax Simplification Inheritance Tax Review
Replies: 9
Views: 646

Re: Office of Tax Simplification Inheritance Tax Review

Does the proposed removal of the CGT uplift mean the inheritor will not only have to value the item at point of death, but also need to know its original purchase price. I can see the record-keeping for that being very difficult. I'm not reallt sure what a "historic base cost" is While I'd...
by JohnB
July 5th, 2019, 6:19 pm
Forum: Other Investing
Topic: Any Lendy Investors
Replies: 4
Views: 425

Re: Any Lendy Investors

Yes one here. I get update emails but there is no sign of my money. See the p2pindependentforum website which also explains about a Facebook led Action Group. As nothing can be done, I'm doing nothing
by JohnB
July 4th, 2019, 8:36 am
Forum: Brokers and Share Dealing
Topic: Ive had enough of interactive investor, recommendations?
Replies: 22
Views: 838

Re: Ive had enough of interactive investor, recommendations?

I'm happy with Iweb, but I only hold trackers and trade a few times a year, so not a power user.
by JohnB
July 4th, 2019, 6:51 am
Forum: Biscuit Bar
Topic: Would-be-nice-to-have phpBB extensions
Replies: 8
Views: 580

Re: Would-be-nice-to-have phpBB extensions

1) When I click on a thread in a new topic page, get taken to the latest contribution, rather than having to click in the subsequent page for it. 2) When I've blocked someone, I don't wish to see their opinions quoted in others posts. I'd rather see "contribution from X, who is currently on you...
by JohnB
July 3rd, 2019, 10:57 pm
Forum: Retirement Investing (inc FIRE)
Topic: I think i can retire early?
Replies: 46
Views: 2782

Re: I think i can retire early?

A 90yo might spend less on fun, but the value in having the cash to get someone to turn up at your house and cut your toenails, as Mum does, is huge. So many things we take for granted earlier become big issues later, and having a buffer to pay for taxis to hospital, rather than catching a bus is ve...
by JohnB
July 3rd, 2019, 8:42 pm
Forum: Airport Lounge
Topic: Penang
Replies: 4
Views: 555

Re: Penang

Its a long time ago, but I recall lots of museums in Penang, and the best one was the body decoration one, full of tattoos and lip piercing
by JohnB
July 3rd, 2019, 9:31 am
Forum: Bitter Lemons
Topic: Recycling: A great shining lie.
Replies: 29
Views: 1336

Re: Recycling: A great shining lie.

Garden centres have worried about the problem for years. But whenever they have schemes to wash and reuse they get overwhelmed by the numbers and variety of pots (as a dedicated pot hoarder I know), so give up. Its all economics, even a free resource is unwelcome if the downstream costs are high. I ...
by JohnB
July 3rd, 2019, 8:59 am
Forum: Cars, Driving, Motorbikes or any Transport
Topic: NI number requested by insurance broker
Replies: 17
Views: 1406

Re: NI number requested by insurance broker

Keep up the good fight, Peanutte. I suggest you complain to Aegis, and threaten the broker with the GDPR regulator and insurance ombundsman. Keep being a thorn in their flesh and burn their staff time.

Can you name the broker here?
by JohnB
July 3rd, 2019, 8:19 am
Forum: Bitter Lemons
Topic: Recycling: A great shining lie.
Replies: 29
Views: 1336

Re: Recycling: A great shining lie.

The black plant pot recycling story isn't really helpful. It relies on people classifying items, storing them separately and moving them to a recycling point. We could do that with everything in our waste streams, but it imposes work on the consumer and requires home storage. People buying ready mea...
by JohnB
July 2nd, 2019, 12:58 pm
Forum: Retirement Investing (inc FIRE)
Topic: I think i can retire early?
Replies: 46
Views: 2782

Re: I think i can retire early?

I always work ignoring inflation. If a share portfolio returns 3.5% in dividends, then both its capital value and its dividends are likely to rise with inflation anyway. It makes the numbers more real, as you have a feel for what £35k can buy, rather than inflate it to £65k in a world where bread is...
by JohnB
July 2nd, 2019, 9:15 am
Forum: Retirement Investing (inc FIRE)
Topic: I think i can retire early?
Replies: 46
Views: 2782

Re: I think i can retire early?

I started doing conservation volunteering, and am now involved in 3 different groups. Smashing down a post and rail fence yesterday on a sunny day with an hour walking through "my" nature reserves to get to work. You want something to give a structure to your week, when I had a bad shoulde...

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