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PhiliPamInCoventry
Holbrooks Thread starter
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76 of 242
Sat 14th Feb 2015 1:06pm
Hi all ![]() ![]() |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
morgana
the secret garden |
77 of 242
Sat 14th Feb 2015 3:12pm
Yes Philip you're so right, after all Vince Cable did work for America, I always check out the backgrounds and where they came from in family and previous jobs who they back in the world of those that rule us. |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
PhiliPamInCoventry
Holbrooks Thread starter
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78 of 242
Wed 18th Mar 2015 3:36pm
Hi all ![]() ![]() ![]() |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
Wimero
Nr Rugby |
79 of 242
Wed 18th Mar 2015 4:21pm
Hi PhilipinCoventry. The problem is high street banks can only sell their own products. Their 'pension experts' are in reality salesmen whose job is to promote and sell that particular bank's products. A few years ago I was looking to invest a considerable amount of money. Popped into Lloyds, my bank, to talk to an 'advisor'. Naturally after finding out my attitude to risk he came up with several unit trust funds (Scottish Widows). Everyone of them had performed dismally compared to all the others in their particular sectors and well below the average return. When I pointed this out to him he got quite upset and said his clients were satisfied. I remarked that they wouldn't be if they did some research and checked performance tables as to how they had underperformed.
I've been using a firm in Bristol called Hargreaves Lansdown for years. Can't fault them. |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
PhiliPamInCoventry
Holbrooks Thread starter
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80 of 242
Wed 18th Mar 2015 6:10pm
Hi Wimero & thank you for your post ![]() ![]() |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
Wimero
Nr Rugby |
81 of 242
Wed 18th Mar 2015 6:33pm
Evening PhilipinCoventry. I agree you will never second guess the market. All investments in stocks and commodities are a risk, some more than others. That's why the old adage applies, the greater potential risk the greater the potential return (or loss). The hard sell was and still is around. Wish I did know how how the market would fare in the future. Despite all the 'experts' offering informative predictions nobody knows. |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
morgana
the secret garden |
82 of 242
Wed 18th Mar 2015 8:26pm
This new thing of government saying now of taking your pensions out to do with how you want.
Beware on radio the other week a man was saying these pension companies will charge you for taking so much out only if you take out like £150.00 they wont charge you. ![]() |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
fidobsa
Hungary |
83 of 242
Sun 22nd Mar 2015 12:52pm
I regard myself as retired although I'm only 55 and I don't get a pension. I will get a small pension from Dunlop when I'm 65 but I think it will only be 8% of my final year salary there. In my case I wanted to retire early due to having a bad back. I moved to northern Scotland in 1997 and started my own business, repairing washing machines and other appliances. As you all know, washing machines are heavy items to shift about all day, so the work took its toll on my back. I could not get the GPs to take the problem seriously as they get so many non genuine complaints about backache.
I lost both my parents within a 3 year period so inherited some money when their house in Nuneaton was sold. I would not have moved abroad when they were alive but decided I had nothing much to lose. The plan was to rent out my cottage in Scotland and live off that rental income in a country where the cost of living is lower. This is kind of what happened and I moved to a sort of smallholding in a village in Hungary. The renting out of the house has not been an unqualified success as I've not had good tenants and there have been long periods when the house was empty. My second tenant ended up being sent to prison for 14 years! The cottage is next door to a hotel and is currently rented by the hotel to accommodate live-in members of staff.
I said I regard myself as retired but I am kept pretty busy with the house, outbuildings and land. I bought a place that needed work so a lot of my time is spent doing building renovation. There is also about 1.5 acres of land, mostly planted with Christmas trees. One thing I was not aware of when I bought it was a law in Hungary regarding control of a plant called ragweed. I am supposed to cut down all the grass and weeds at least twice a year and can be fined if ragweed in flower is found on my land. I use a Honda strimmer for this job but can only manage to do about an hour a day so it takes me about 6 weeks to cut all the grass.
I am moving again, this time just over the border into Croatia. I have bought a similar property there but it has less land and in any case there is no ragweed law in Croatia.
I do have long term plans to have my own microbrewery and I want to grow my own ingredients. I am a real ale fan so although beer is only about 50p a can here, it is not to my taste. I don't have any plans to sell beer but I might be able to do swaps for wine, fruit, veg etc produced by my neighbours. The last time I went for a pint in a UK pub it cost £3.50 so I would not be drinking it even if I had access to proper English beer. |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
Wearethemods
Aberdeenshire |
84 of 242
Mon 6th Jul 2015 3:19pm
I'm just back home after watching 'Madness' perform last night in Montrose. Tomorrow we're off down to Perth for the night before continuing down to Liverpool for 3 nights and then across to a Scooter Rally in Cheshire for the weekend returning a week today. We will be driving, as my 1965 Lambretta won't be up to it! Incidentally there is a thriving Scooter Club still in Coventry called 'All or Nothing' named after the Small Faces hit in the Sixties. Little Park Street has a few tales within its walls but I'm saying nothing! Isn't retirement great ![]() |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
PhiliPamInCoventry
Holbrooks Thread starter
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85 of 242
Mon 24th Aug 2015 11:00am
Hi all ![]() ![]() |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
Kaga simpson
Peacehaven, East Sussex |
86 of 242
Mon 31st Aug 2015 7:30pm
If any of you have time on your hands and you like reading, I would like to recommend 'The Manner of Men' part of the D-Day scene that gives you a real insight in to the action and what can go wrong.. |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
PhiliPamInCoventry
Holbrooks Thread starter
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87 of 242
Mon 12th Oct 2015 7:39am
Hi all ![]() |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
PhiliPamInCoventry
Holbrooks Thread starter
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88 of 242
Sat 21st Nov 2015 2:39pm
Hi all ![]() |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
PhiliPamInCoventry
Holbrooks Thread starter
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89 of 242
Fri 18th Dec 2015 4:32pm
Hi all ![]() ![]() ![]() ![]() |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) | |
PhiliPamInCoventry
Holbrooks Thread starter
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90 of 242
Mon 21st Mar 2016 8:31am
Hi all ![]() |
Memories and Nostalgia - Retirement (or Last of the Summer Wine) |
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