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  1. 413x

    Rebel Moon | Netflix

    Also managed to hold out for the full one. But if it gets dire reviews I won't bother
  2. 413x

    Are Jeans becoming unfashionable?

    I certainly don't care anymore what others think. It's been liberating.
  3. 413x

    Pension fund performance - do you monitor yours, how is it doing, do you actively change it?

    I'm spending more now than I ever have. So many things could go wrong between now and then. And odds continue to stack against you as you age.
  4. 413x

    Pension fund performance - do you monitor yours, how is it doing, do you actively change it?

    Something I didn't think of until today. For normal rate tax is the pension such a slam dunk vs an ISA beyond your employer contribution? Due to tax on income, is it better to take pension until you actually get state pension, then flip to isa? How do you guys find a balance? I pay into...
  5. 413x

    Using your mobile abroard

    That's really useful!
  6. 413x

    Are Jeans becoming unfashionable?

    Seems like a lot in here who do wear jeans only wear them because it's still the default going out but easy thing?
  7. 413x

    Deep sea mining

    For all our advancements we can't escape innate selfishness Its at a point now where an individual could many huge sacrifices (not flying, not having kids, not owning a car etc etc) and it won't make an iota of difference. Because we've dawdled any mega green initiatives would seriously hurt...
  8. 413x

    Deep sea mining

    There weren't billions of humans thousands of years ago though. Look how much hassle immigration causes now. Imagine capital cities going underwater. Or whole countries being near uninhabitable. If the UK has a few days of snow it grinds to a halt. Imagine if that becomes standard with our...
  9. 413x

    Deep sea mining

    I believe the consensus is that a lot of hotter places will get hotter and a lot of colder places will get colder? And that habitatal. Zone will get smaller? Not entirely sure that's true. But that's what I read last. It'll happen so fast we (humans) won't be able to cope. There will be massive...
  10. 413x

    Deep sea mining

    But this thought process leads to "nothing matters, may as well just jump off a bridge now". Because really. It doesn't. But seeing as we're here, and most people do seem to care about their kids, and most people do want to survive.. Makes sense we shouldnt be wrecking the world? And it...
  11. 413x

    Deep sea mining

    Well that's the thing isn't it. People should(you'd think) want the best for their kids. But very few will action it. As to the planet. Yes it'll survive. Short of mass nuclear war we will kill ourselves off long before we do irreversible damage. The planet will recover.
  12. 413x

    Deep sea mining

    Yeah UK is a waste land. And farmers are even kicking up a stink over 10pc farmland for nature here
  13. 413x

    Deep sea mining

    I agree in part. I totally accept I'm a hypocrite. Almost everyone is. Its like animal testing. When push comes to shove it would take a very special person to decline a life saving medicine because it was tested on animals. And many invest in megacorps, bitcoin, take long haul flights etc...
  14. 413x

    Deep sea mining

    Its also instinctual. Usually selfishness in nature is a tool to promote your genes being successfully transfered But add tools/tech etc to the mix and you get self destruction. This is just another example of why our way of life is doomed. Humans won't change until it's too late. The...
  15. 413x

    Pension fund performance - do you monitor yours, how is it doing, do you actively change it?

    I thought so. But tax language can be complicated. I mean even calling it net pay scheme is completely counter intuitive
  16. 413x

    Pension fund performance - do you monitor yours, how is it doing, do you actively change it?

    Yes. But I'd hope to be doing stuff as long as possible. Besides. Who knows what the future will bring. Maybe new medical advances will mean you can do things much longer. Just a random example. E-bikes allow people to go MTBing a lot older than manual bikes. Maybe you'll be able to VR to...
  17. 413x

    Pension fund performance - do you monitor yours, how is it doing, do you actively change it?

    Can someone give me a simple answer to the following. If my work place pension is net pay And I make a one off SIPP contribution this tax year And I'm in the 40pc rate And My SIPP contribution will all be in the 40pc band Do I need to just enter the amount I pay into the SIPP + it's 20pc...
  18. 413x

    Trading the stockmarket (NO Referrals)

    How that site makes money is anyone's guess. I think 75pc is not generated.
  19. 413x

    I wish BT would stop sending this.

    Back door bandit they call him!
  20. 413x

    I wish BT would stop sending this.

    Yeah heard this a long time ago. They want the dunces Oh also.. Gud afternoon madam. Thiers a pidgin in ur banc accont. I need to realise it. Can u plz provide ur bank accont numba and sort coode and passwurd plz
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