Sugarlips

Members
  • Content Count

    752
  • Joined

  • Last visited


Reputation Activity

  1. Agree
    Sugarlips got a reaction from Hail the Tripod in Crop Circles   
    Etchilhampton, Devizes 11th Aug


  2. Agree
    Sugarlips got a reaction from JFK in Most attractive woman on the planet?   
    Impressive for 61.

  3. Agree
    Sugarlips reacted to Hopeful in Retire at 75   
    Paid off house, gold pated pension, shit life.
    Makes me feel like a poor winner.
  4. Agree
    Sugarlips reacted to Frank Hovis in Retire at 75   
    I think it's always been so; every year of full time work takes time off your life which is why women have previously had higher life expectancy. No longer though.
    There are many advantages of working, and not purely monetary, but it is good to be aware that it is shortening your life and therefore plan for a reasonably early end date to it.
    I am very much of the "just one more year" persuasion which is why I have set an absolute backstop of 20,000 days (54 and 3/4)  because it gives 10,000 days from 54 - 82 to do all the things you always wanted to do before you're dribbling in an armchair.
     
    Life in three parts:
    Firrst 10,000 days; childhood, education and first couple of jobs 0 - 27
    Second 10,000 days; peak career and money making 27 - 54
    Third 10,000 days: doing all the things you want to do 54 - 82
    Anything else with good health: bonus.
  5. Agree
    Sugarlips reacted to JoeDavola in Retire at 75   
    I think you are correct.
    I didn't get any sleep last night because of some stupid office shit that had me wound up and stressed out - this is stupid on my part but doable at 35 but I wouldn't want to be doing it at 65, and to be honest I hope not to be doing it at 55 - although every 55 year old I know who's still working stopped giving a shit and having any sort of work ethic long ago.
    I think this will be the 'double whammy' of the increased retirement age - you will lose time at both ends, your retirement date moved back and your death brought forward.
    And that's my happy thought for the day.
  6. Agree
    Sugarlips reacted to Frank Hovis in Retire at 75   
    That is precisely the reason why I am retiring at 54 (or earlier).
    I like my job and like the people with whom I work; but my estimation is that I will have twice the number of years of retirement left if I cease work at 54 rather than 65.
    Take the long term view; it is usually correct.
  7. Agree
    Sugarlips reacted to Chewing Grass in Retire at 75   
    54 has been a tipping point for me as energy wise I'm feeling it. Getting up at 6 a.m. five days a week is doing me in and by Thursday evening I've had enough to be honest.
  8. Agree
    Sugarlips got a reaction from gibbon in Deluded Old Scrapper Birds On Dating Sites   
    But given they’re not keepers, at what point do you just pay for sex and remove all the bullshit..?
  9. Agree
    Sugarlips got a reaction from Libspero in The make us laugh or fuck off thread   
  10. Agree
    Sugarlips reacted to Harley in Credit deflation and the reflation cycle to come.   
    Thank you.  I did complain once about something that was actually very interesting and relevant to me, I was wrong, I publically apologised, and it was accepted.  It made me realise that this great thread is only as good as what we all put into it.  Some of my stuff may be a bit so so but I'm just trying to follow that mantra while being respectful to all.  But I'm no angel.  Again, thanks.
    PS: Thinking about it, while this is no survivalist thread, thinking more broadly than just the financials is very relevant.  I lived overseas in many places and thought I saw the writing on the wall when I moved back here (i.e. looking outside in).  The finance stuff we talk about has real world implications.  So I created and am executing a broad plan covering finance and beyond that includes moving somewhere fairly remote, etc. 
  11. Agree
    Sugarlips reacted to LC1 in Most attractive woman on the planet?   
    Pneumatic doll. I mean, I would obviously, but in the same way that all boys love bouncy castles. I would hardly rate it as beauty though.
  12. Agree
    Sugarlips reacted to whitevanman in Most attractive woman on the planet?   
    You need to be careful with range rovers. Once they get a few miles on the clock the air suspension tends to leak and leave the body looking a bit lopsided. Best give it as thorough inspection before purchase.
  13. Agree
    Sugarlips got a reaction from Bedrag Justesen in Most attractive woman on the planet?   
    I like the old fashioned round headlamps on a car


  14. Agree
    Sugarlips got a reaction from Hail the Tripod in Most attractive woman on the planet?   
    I like the old fashioned round headlamps on a car


  15. Agree
    Sugarlips got a reaction from Craig in Old Car Spotting   
    In discussion about buying this rotter with my redundancy as my midlife crisis beckons, proper Arthur Daley with a Chev V8, picture doesn’t do it justice, it’s a purpley-black colour 😍

  16. Agree
    Sugarlips got a reaction from one mile two pence in I'm sick of living in England   
    Just revisiting this to see if I can help quantify the +/- of Uk vs Oz for anyone considering it, from a financial perspective.
    + No council tax if you rent in Aus and maybe 2/3rds the price if you own, plus the size of the house is generally bigger
    + Petrol is almost 1/2 price (if you buy on the right day of the week) in Aus but you will likely drive twice as far and you will also pay extortionate road tolls in Syd/Mel
    + No TV licence in Aus (not that there’s much on..)
    + solar panels and warmer weather mean electric only costs 50 quid a month if you are smart with usage, not sure what the average uk cost is like?
    + Wages are often a bit better but income tax is a bit higher
    - Mortgage and car loan rates are still higher here. As a comparison the Best Hsbc uk mortgage atm is 3 year fixed at 1.49% vs out here best is Bank of Qld 2.99% so double - this is a big one, it soon adds up
    - flights to anywhere are expensive (and long)
    - Car tax high circa £500pa for any car vs £20pa (if you’re smart) in UK or free for classic cars in the Uk (which irks me as I have a couple of old rust buckets here)
    - buying and servicing a car (new or s/hand) is generally more expensive in Aus
    - Aside from a recent Aldi special beer is generally double in price in Aus
    - broadband is double the price in Aus
    Eating out is generally on par. Groceries are a bit dearer in Aus but the fresh food/fish etc is of generally better quality
    I haven’t done a comparison on car & house insurance in the Uk but I’m paying about $750 each out here.
  17. Agree
    Sugarlips got a reaction from steppensheep in I'm sick of living in England   
    Just revisiting this to see if I can help quantify the +/- of Uk vs Oz for anyone considering it, from a financial perspective.
    + No council tax if you rent in Aus and maybe 2/3rds the price if you own, plus the size of the house is generally bigger
    + Petrol is almost 1/2 price (if you buy on the right day of the week) in Aus but you will likely drive twice as far and you will also pay extortionate road tolls in Syd/Mel
    + No TV licence in Aus (not that there’s much on..)
    + solar panels and warmer weather mean electric only costs 50 quid a month if you are smart with usage, not sure what the average uk cost is like?
    + Wages are often a bit better but income tax is a bit higher
    - Mortgage and car loan rates are still higher here. As a comparison the Best Hsbc uk mortgage atm is 3 year fixed at 1.49% vs out here best is Bank of Qld 2.99% so double - this is a big one, it soon adds up
    - flights to anywhere are expensive (and long)
    - Car tax high circa £500pa for any car vs £20pa (if you’re smart) in UK or free for classic cars in the Uk (which irks me as I have a couple of old rust buckets here)
    - buying and servicing a car (new or s/hand) is generally more expensive in Aus
    - Aside from a recent Aldi special beer is generally double in price in Aus
    - broadband is double the price in Aus
    Eating out is generally on par. Groceries are a bit dearer in Aus but the fresh food/fish etc is of generally better quality
    I haven’t done a comparison on car & house insurance in the Uk but I’m paying about $750 each out here.
  18. Agree
    Sugarlips got a reaction from Frank Hovis in I'm sick of living in England   
    Just revisiting this to see if I can help quantify the +/- of Uk vs Oz for anyone considering it, from a financial perspective.
    + No council tax if you rent in Aus and maybe 2/3rds the price if you own, plus the size of the house is generally bigger
    + Petrol is almost 1/2 price (if you buy on the right day of the week) in Aus but you will likely drive twice as far and you will also pay extortionate road tolls in Syd/Mel
    + No TV licence in Aus (not that there’s much on..)
    + solar panels and warmer weather mean electric only costs 50 quid a month if you are smart with usage, not sure what the average uk cost is like?
    + Wages are often a bit better but income tax is a bit higher
    - Mortgage and car loan rates are still higher here. As a comparison the Best Hsbc uk mortgage atm is 3 year fixed at 1.49% vs out here best is Bank of Qld 2.99% so double - this is a big one, it soon adds up
    - flights to anywhere are expensive (and long)
    - Car tax high circa £500pa for any car vs £20pa (if you’re smart) in UK or free for classic cars in the Uk (which irks me as I have a couple of old rust buckets here)
    - buying and servicing a car (new or s/hand) is generally more expensive in Aus
    - Aside from a recent Aldi special beer is generally double in price in Aus
    - broadband is double the price in Aus
    Eating out is generally on par. Groceries are a bit dearer in Aus but the fresh food/fish etc is of generally better quality
    I haven’t done a comparison on car & house insurance in the Uk but I’m paying about $750 each out here.
  19. Agree
    Sugarlips reacted to One percent in Retire at 75   
    I think two things. First dosbods is not a reflection of the general population who it seems to me are largely unthinking, even when they appear quite bright. There is no interest in wider and longer term issues.  It’s instant gratification 
    second, those who are aware have not a clue as to what to do about it. The political classes need to take care as whenever an opportunity is presented, they will grab it, ergo the Brexit vote. That really didn’t go to plan.  
    As I see it, someone will rise to lead the disaffected and then it will go up like a tinder box. 
  20. Agree
    Sugarlips got a reaction from onlyme in Retire at 75   
    I’ve foolishly been voluntarily paying my NI contributions for the last 10+ years to keep my number of years up in the hope and of having some sort of basic old age pension, only for the goalposts to be seemingly kicked out, so can I get a refund then, nah thought not...
    After many happy years away I currently have Mixed feelings about having left England at present, fortunately I’m still young enough to return and start afresh but I wouldn’t be encouraging others to leave Blighty on a whim unless you have good reason, there are still lots of positives ..for now
  21. Agree
    Sugarlips got a reaction from One percent in Retire at 75   
    I’ve foolishly been voluntarily paying my NI contributions for the last 10+ years to keep my number of years up in the hope and of having some sort of basic old age pension, only for the goalposts to be seemingly kicked out, so can I get a refund then, nah thought not...
    After many happy years away I currently have Mixed feelings about having left England at present, fortunately I’m still young enough to return and start afresh but I wouldn’t be encouraging others to leave Blighty on a whim unless you have good reason, there are still lots of positives ..for now
  22. Agree
    Sugarlips got a reaction from Frank Hovis in Retire at 75   
    I’ve foolishly been voluntarily paying my NI contributions for the last 10+ years to keep my number of years up in the hope and of having some sort of basic old age pension, only for the goalposts to be seemingly kicked out, so can I get a refund then, nah thought not...
    After many happy years away I currently have Mixed feelings about having left England at present, fortunately I’m still young enough to return and start afresh but I wouldn’t be encouraging others to leave Blighty on a whim unless you have good reason, there are still lots of positives ..for now
  23. Agree
    Sugarlips reacted to Tdog in Credit deflation and the reflation cycle to come.   
    Lucky for Denmark as from what i hear Icelands booming thanks to letting their banks go under and locking up bwankers.
  24. Agree
    Sugarlips got a reaction from whocares in The make us laugh or fuck off thread   
  25. Agree
    Sugarlips reacted to montecristo in new films   
    Just watched Stan & Ollie  Bloody brilliant.  I'm a Laurel and Hardy fan and maybe a bit bias, but thought Coogan and Reilly have a good shout for a best actor award.   Must be the hardest role for an actor to act the part of a famous actor, no hiding.  Coogan had Laurel spot on.