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Crinklyfox

Member
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About Crinklyfox

  • Rank
    Key Player
  • Birthday 29/06/1955

Profile Information

  • Gender
    Male
  • Location
    Burgess Hill
  • Interests
    Breathing
  • Fan Since
    1966

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2,596 profile views
  1. Pension plans/retirement

    Well if I'm going to do a typo may as well make it a good one - £5K
  2. Pension plans/retirement

    The lecturers may have a good pension package, however I have every sympathy with them as the pension they were offered formed part of their contract and having it withdrawn and a less generous option offered still amounts to the employer going back on the contractual agreement. What has happened in recent years is in my eyes no less than legalised pensions theft suffered by millions, the lecturers are simply one of the last groups to experience this fate. Good move to up your pension contributions if you're in a DB scheme especially if your employer is contributing - for many years some employers gave themselves a 'pensions holiday' and the only contributions were made by the employee. I find that in retirement I need less than in my working life with the mortgage and children, but the rates, household bills, car expenses, etc. are still the same so living off £5 per year is a non-starter.
  3. Pension plans/retirement

    Izzy if your company pension is a Defined Benefits scheme then IMO it's unlikely that transfer to another scheme would increase your benefits. Some years ago my employer decided to close the DB pension scheme I was in, which paid a percentage of final salary, and offered staff the chance to transfer it all to a Defined Contributions scheme, which effectively puts you at the mercy of the markets when it comes to annual returns. I did a few calculations and worked out that I would have to work an additional five years under the DC scheme to get the same returns as I would get under the DB scheme (based on prevailing market conditions at that time). Do yourself a favour and look into how much your pension pot would pay you annually - when I investigated I needed around £30K for every £1K pension payment. Oh and make sure it's index-linked. Providers will happily quote you an annual return that never rises with inflation, which may be OK when you retire but if there's any level of inflation you can become very poor very quickly. There are plenty of brokers out there who would be delighted to sell you a private pension, it's big commission for them because it's a big earner for the pension provider. My employer pressured all the staff to give up their DB scheme and sign a new contract with the DC scheme, in fact they said that anyone who didn't sign the new contract would have resigned from the company as all the old contracts would be terminated. I left rather than lose my DB pension and have never regretted it, right now it's one of the few certainties in life. If it was me I'd take your option 1 in a heartbeat. £15K a year may not seem a lot but you can live on it in addition to the state pension once the mortgage has gone.
  4. Bournemouth are better offensively than Stoke. I wouldn't be taking any chances at the back so Simpson or Amartey at RB please. I'd like to see Diabate start where Gray did today and Silva in the midfield.
  5. Stoke post match 1-1

    We're Leicester City and we've won the Premier League. And that counts for nothing now. A neutral looking at that match not knowing the teams would have been hard pressed to decide which one won the PL a couple of years ago and which one is fighting relegation. Which means we've fallen a long way recently as our points tally in 2018 shows. But it's not long ago that many of us were praising the passing style that Puel had brought. So the potential is there, the team selection could have been better today and the form of some of the players was off but we're not in a disaster situation yet, however we need some real desire to go out and forge victories, I thought that some of our players took it a bit easy against a team they expected to beat.
  6. Stoke (H) Match Thread

    The worst of this is that Stoke really aren't that good. But they have been well organised defensively and we have to be prepared to break that down second half.
  7. Stoke (H) Match Thread

    Well that was underwhelming. We don't look like scoring.
  8. Stoke (H) Match Thread

    Hard on Silva. Perhaps expecting a physical battle in midfield?
  9. How Was Your Day?

    That's terrible. Only a couple of things spring to mind: 1. Did they think that Friday was your last day in which case they might have a card ready for then? 2. If not, then it's a good job move. We spend too much of our lives working and if the people we work with are good it makes it a lot easier.
  10. Absolute cvnts of our time Pt.MXXVI

    Good riddance.
  11. I just completed this quiz. My Score 0/100 My Time 5 seconds  
  12. Ndidi to Liverpool

    There's always a shortage of star quality. I expect that a few clubs will be after Ndidi if he continues to perform as he has. Same goes for any of our players. No reason for us to sell yet, his value is only going to appreciate and we don't need the cash anyway.
  13. Depression

    Insomnia is vicious in that it makes the night a time of anxiety. You have to be able to relax in order to sleep, and if you haven't been sleeping well then anxiety sets in as the time for sleep approaches. Alcohol can reduce the anxiety but it limits your sleep, typically resulting in waking in the middle of the night and being unable to sleep again. Sleep is also a habit - once you're into the habit of not sleeping when you go to bed it stays with you, the cycle must be broken and that's when drugs such as Zopiclone, Temazepan and Diazepan can be useful. The problem is they're addictive and should ideally be used simply to re-establish the sleep cycle that you want. Prolonged and continuous use can cause more problems, which may be why your GP won't prescribe any more. Personally, and having suffered from insomnia myself, I think that's a bad idea as if you have the pills that will knock you out that reduces anxiety which will help you sleep. Exercise can help but in my opinion it's not a magic bullet. I've failed to sleep when I felt absolutely knackered, it's like the anxiety had me on a hook and wouldn't let go. Having said that please don't discount exercise, it could work really well for you and certainly won't do any harm. Believe it or not over-the-counter painkillers such as Nurofen can help sleep but please don't take them and alcohol as well. I've taken them as an alternative to Zopiclone and whilst they may take a little longer to work I've still found them to be effective. They also didn't make me feel as tired the next day as Zopiclone did. I know that some people have also had success with herbal remedies, but they didn't work for me, again they're worth a try.
  14. What on the roads has annoyed you today?

    Have you tried to get recompense from your local council? May concentrate a few minds. Many moons ago I hit a pothole which had filled with water. It was night and it had been bucketing down all day. I had no idea at the time that it was a pothole, the impact felt like I'd hit something. I stopped the car and found myself parked with a number of other cars that had suffered the same fate. I'd damaged a wheel but other cars had suffered worse damage. I got the car repaired then determined to get the cost back from the council that were responsible for road maintenance. After initial denial of responsibility, being shoved from one department to another and even to the subcontractor they used for road maintenance they got fed up with me and paid my repair bill.
  15. No Questions Asked Quiz

    Polite request. One of the pleasures in doing a quiz is the acquisition of knowledge. I gain additional knowledge from reviewing the correct answers to the questions which I answered incorrectly. Because this quiz is different in that the answer is arrived at by a two stage process, 1. find the link then 2. select the correct answer just learning which was the correct response doesn't provide the information which is really required, which is the nature of the link. I appreciate that this isn't possible due to the way these quizzes are set up so when this quiz is closed could you please release details of the links for each question (and put me out of my misery as I couldn't work out any of them).
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