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Thread | Twtd investors
at 08:58 5 May 2025
So you get old and are lucky enough to be looking at income options from your savings..
(apologies to the younguns - appreciate this thread will highlight how much harder things are for you - and I genuinely empathise with how much harder things are your generation with regards to housing costs etc.)
Traditionally annuities were an option - you buy a guaranteed income with a chunk of cash, maybe around 5-6% dependent on age and a range of other factors (escalating etc.)
One option seems to be preference shares - that pay around the same amount - but you don't lose your initial wedge. So the money is still around for your loved ones as/when you kick the bucket.
So why would anyone buy an annuity when a preference share offers a similar return without losing your investment?
Some risks that the provider could go bust/default - but when we are talking BP or Santander - would think you can spread around and manage that risk.
What am I missing? Why would anyone buy an annuity instead of just ploughing into preference shares at the time of retirement? |
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Thread | So now the Tories are seemingly finished...
at 08:23 3 May 2025
Who should we be thanking for their terminal demise?
Johnson? Truss? Sunak? Badenoch? Cameron? All of the above?
I'll go with Johnson. An opportunist that jumped on the Brexit bandwagon, then oversaw an economically damaging Brexit deal with the EU, failed to maximise the freedoms of life outside the EU, killed thousands with his dithering on lockdowns and lied to the nation about the parties going on at Downing St whilst the country was locked down.
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Thread | We all PSG tonight?
at 17:36 29 Apr 2025
Gooner tossers taking the p*ss the other day...
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Thread | Just climbed Snowdon
at 16:45 28 Apr 2025
Not sure I will make the night, pretty much every part of my body from the hips down is aching and about to fall off.
So if I don't make the morning, was nice knowing you all. |
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Thread | Anyone else go behind enemy lines today?
at 18:02 18 Apr 2025
Col U - won't lie, thought they were pants, against 10 men for the second half they barely made a chance - got lucky being gifted a pen and managed to miss that too.
Bishop and Simpson both came on and looked bang average at best.
Suppose we've been spoiled at Portman Rd the last few years but had forgot how awful lower league footie is.
Fair dos to the crowd - they made some noise, even the side stands half joined in a couple of times.
Also like that Danny Cowley seems to be coach as well as manager - proper hands on management doing the pre match drills. |
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Thread | Real Madrid v Arsenal
at 19:50 16 Apr 2025
Can't decide who I want to win.
Madrid are proper horrible tossers (Rudiger - loads of money - spawny knobs) but would be funny as fck if Arsenal balls it up too.
Twtderatti thoughts? |
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Thread | New garage up and over door
at 10:46 16 Apr 2025
Twtd hive - prices paid? Recommended suppliers - ones to avoid?
Not interested in nonsense like automatic opening etc. |
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Thread | Migrants really should adopt
at 08:21 16 Apr 2025
the local culture.
Just thinking of some of the things I've seen up close.
Migrants speaking only their native language and making no attempts to learn the local language at all.
Migrants hanging about in their own private clubs literally excluding the locals from membership.
Migrants not going to local drinking holes instead hanging out at private parties reminiscing all night about life back home.
Migrants sending most of their money home with no intent to settle or invest in the local economy.
Migrants continuing to eat their own food, even when it's all imported and costs 5 times the cost of local food. Guess they prefer their home food more than considering food miles.
Migrants living in ghettos where 90%+ of the homes are similarly populated with little locals other than say when a tradesman is needed.
Anyhow, enough of how the Brits live abroad... [Post edited 16 Apr 8:24]
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Thread | Dilemma
at 20:01 13 Apr 2025
Two nephews at their first game, 12 and 10 and both bought themselves a half n half scarf.
Should I disown them now or do I cut them some slack in the hope they still have a few years to learn the error of their ways?
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Thread | S&P up 6%
at 18:35 9 Apr 2025
In 15 mins...
Seems Trump has said he will delay tariffs by 90 days.
Sanity restored fingers crossed :-)
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