Search found 534 matches

by JohnB
November 18th, 2019, 9:31 am
Forum: Pensions - Practical Problems
Topic: Many small different pensions
Replies: 7
Views: 312

Re: Many small different pensions

Its up to the individual really, schemes are unlike to hunt down people for small payments. https://www.gov.uk/find-pension-contact-details is a start point.
by JohnB
November 17th, 2019, 12:44 pm
Forum: Cars, Driving, Motorbikes or any Transport
Topic: Electric Car Range Anxiety
Replies: 20
Views: 733

Re: Electric Car Range Anxiety

I'm less concerned with charging on route (after all cars will have 300 mile ranges at reasonable prices soon, and I'll always set off fully charged) with the bargaining at my destination, where the hotel or B&B or on-street parking could all be unpredictable in a strange town. Or you go to a fr...
by JohnB
November 16th, 2019, 10:26 pm
Forum: Macro and Global Topics
Topic: Labour promise free broadband- Openreach to be nationalised
Replies: 31
Views: 983

Re: Labour promise free broadband- Openreach to be nationalised

I do long for electricity billing to be nationalised, it would save so much faffing round comparing deals, and expensive churn. No objection to power plants being private and touting their rates to the national body. As there are many routes to internet provision, it needs to remain private.
by JohnB
November 15th, 2019, 10:19 pm
Forum: Macro and Global Topics
Topic: Labour promise free broadband- Openreach to be nationalised
Replies: 31
Views: 983

Re: Labour promise free broadband- Openreach to be nationalised

Maybe, but the Labour plan is to pay for FTTH for everyone, not to provide free 5G coverage.
by JohnB
November 15th, 2019, 8:06 am
Forum: Macro and Global Topics
Topic: Labour promise free broadband- Openreach to be nationalised
Replies: 31
Views: 983

Re: Labour promise free broadband- Openreach to be nationalised

A summary of 5G vs broadband. Its on a 5g site, but reasonably neutral. https://5g.co.uk/guides/5g-vs-fibre-broadband/
by JohnB
November 15th, 2019, 7:59 am
Forum: Building and DIY
Topic: To Garage or Not To Garage?
Replies: 25
Views: 970

Re: To Garage or Not To Garage?

I'm quite frustrated at how many householders are converting their garages. ... In short, you may reduce the number of people interested in your house Surely if many people are doing it, it will increase the number of people who are interested in a property? The OP is planning a 2 storey extension,...
by JohnB
November 15th, 2019, 6:24 am
Forum: Macro and Global Topics
Topic: Labour promise free broadband- Openreach to be nationalised
Replies: 31
Views: 983

Re: Labour promise free broadband- Openreach to be nationalised

The rise of 5G will probably make landline broadband obsolete on those timescales. Already many resent paying for a landline for telephone calls just to get access to broadbank.

A foolish idea.
by JohnB
November 14th, 2019, 5:38 pm
Forum: Building and DIY
Topic: To Garage or Not To Garage?
Replies: 25
Views: 970

Re: To Garage or Not To Garage?

now cars don't rust, garages seem pointless other than as cheap storage. But I'd build for yourself, not a mythical purchaser. For one a missing garage might be a deal breaker, but for another the utility space might be.
by JohnB
November 14th, 2019, 12:46 pm
Forum: Pensions - Practical Problems
Topic: Pension woes...
Replies: 14
Views: 882

Re: Pension woes...

Check whether your work scheme allows partial withdrawls. If they do, its worth pulling out lump sums every few years into a SIPP, but still using their scheme for monthly contributions. Buy Tim Hale or Lars Krojer's books to see where you stand on the great passive/active debate. If it were me I'd ...
by JohnB
November 6th, 2019, 5:33 am
Forum: Investment Strategies
Topic: Election impact on investment strategy
Replies: 89
Views: 3477

Re: Election impact on investment strategy

Its worth seeing who comes out of the reselection process. It seems that the calmer Labour MPs will survive, but moderate Tories are leaving in droves. I'd not assume that a Tory government is fiscally sound, the party has abandoned austerity for both massive spending promises and tax cuts, their nu...
by JohnB
November 5th, 2019, 7:29 pm
Forum: Investment Strategies
Topic: Election impact on investment strategy
Replies: 89
Views: 3477

Re: Election impact on investment strategy

@fca2019 If the Tories win, I'd expect we get to the end of 2020 with no deal with Europe, as Boris's deal might take us out of the EU, but would then founder on trade deal talks. The pound is likely to be a lot weaker then. FTSE 100 composition could change if multinationals delist. Index trackers ...
by JohnB
November 5th, 2019, 5:46 pm
Forum: Investment Strategies
Topic: Election impact on investment strategy
Replies: 89
Views: 3477

Re: Election impact on investment strategy

I agree about the markets. You will have longer than a few days to allow for legislation/tax changes. I'd expect an early emergency budget whoever wins, it will just longer for a hung parliament, and while some things might be instant, most will be implemented in the new tax year. I'd not assume tha...
by JohnB
November 5th, 2019, 11:52 am
Forum: Computers, TVs & Phones
Topic: Yahoo
Replies: 7
Views: 779

Re: Yahoo

I think Yahoo are on the way out, and they have a poor record of handling wind-downs. See https://www.archiveteam.org/index.php?title=Yahoo! For something like email, where losing you account could cause big problems, I would consider an orderly migration to another provider.
by JohnB
November 5th, 2019, 9:05 am
Forum: Bank Accounts Savings & ISAs
Topic: Nationwide to end login with memorable data
Replies: 53
Views: 2279

Re: Nationwide to end login with memorable data

The EU regulations require people to have something they know (passwords/pins) and something they own (cards/fingerprints/SIM cards). The annoyance for the users is how this information is passed back to a bank, whether it be carrying card readers on holiday or requiring them to have phones with sig...
by JohnB
November 4th, 2019, 4:46 pm
Forum: The Natural World
Topic: Leaf Drop in 3, 2, 1 ...
Replies: 12
Views: 1264

Re: Leaf Drop in 3, 2, 1 ...

Leaf compost often disappoints because the trees have removed most of the nutrients, and it tends to rot down to nothing. But it does no harm to try. In Kent autumn has been very wet, but the trees have had good colour.
by JohnB
November 4th, 2019, 6:58 am
Forum: Retirement Investing (inc FIRE)
Topic: Lifetime Allowance for Pensions
Replies: 26
Views: 1392

Re: Lifetime Allowance for Pensions

With the OPs numbers, they need not worry. 10% growth is optimistic, and the LTA is inflation linked and will be a lot more than a million in 15 years. When modelling be clear whether you are including inflation or not. I prefer ignoring it so the numbers feel real, and have a lower growth rate.
by JohnB
November 4th, 2019, 3:34 am
Forum: Retirement Investing (inc FIRE)
Topic: Lifetime Allowance for Pensions
Replies: 26
Views: 1392

Re: Lifetime Allowance for Pensions

With the OPs numbers, they need not worry. 10% growth is optimistic, and the LTA is inflation linked and will be a lot more than a million in 15 years. When modelling be clear whether you are including inflation or not. I prefer ignoring it so the numbers feel real, and have a lower growth rate.
by JohnB
October 31st, 2019, 11:51 pm
Forum: Cars, Driving, Motorbikes or any Transport
Topic: Dartford Crossing Charge
Replies: 21
Views: 1016

Re: Dartford Crossing Charge

Sadly the Quick/Cheap/Good mantra assumes you have competent people in charge. If not its easy to be Slow/Expensive/Bad. One depressing thing watching 30 years of public facing software is that stupid design decisions are no less rare nowadays. Each new generation of systems analysts never seems to ...
by JohnB
October 31st, 2019, 3:18 pm
Forum: Cars, Driving, Motorbikes or any Transport
Topic: Dartford Crossing Charge
Replies: 21
Views: 1016

Re: Dartford Crossing Charge

Clearly what users want is to register a card, so that each time you cross £2 is deducted. This is not what the system provides. You have an auto-topup system which only top-ups in £10 increments, and requires a £10 minimum balance, so you'd have in your account 14,12,10,18,16 etc This is why the de...
by JohnB
October 30th, 2019, 8:29 pm
Forum: Cars, Driving, Motorbikes or any Transport
Topic: Dartford Crossing Charge
Replies: 21
Views: 1016

Re: Dartford Crossing Charge

£2.50 without account, £2 with

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