Frank Hovis

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Frank Hovis last won the day on September 2

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About Frank Hovis

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  1. Yep. I retired at 40 and found myself, after a truly incredible summer my best ever when I had a huge grin on my face 24/7, just hanging around, waiting when nothing was going to happen. So I went back to work. Work has many good qualities but if you have a challenging and rewarding job then it soaks up your time and energy and you don't do much else. I get in two decent walks at the weekend if the weather's ok. Enjoyable but that's not very much "me time" out of seven days. I have a backstop of spring 2022 and I will be so disappointed in myself if I work beyond that. I like my work, but it's not enough and I want to gather up all my ambitions over the years and make a serious fist of each of them. One guy I worked with for whom it was all about money and if he won the lottery would "retire tomorrow" was offered and took early retirement aged about 60. When it actually came to it though he was crying through his leaving speech as for all his words he had gained so much by working and it had taken him retirement to realise it. I might go spring 2020 when I can easily afford to, but I won't. I might go spring 2021 when I have the NI for a full state pension, but I won't. I will however not go beyond spring 2022 because I know if I do that then I will keep going until they push me out as I approach 70 with no ambition left.
  2. And you can start and finish with a song
  3. PM sent. I suppose my aim is not the customary retirement but to put serious effort into particular aims that aren't actually jobs. I think if I continued with part time work this would detract from achieving those aims. My old Latin teacher retired similarly early and was then hugely active in local societies: theatre, running. It was more a step up than a wind down and that appeals.
  4. Entirely this. It is the inconsistencies in the enhancements that fuel the conspiracy theory; if the enhancements were admitted and identified then end of conspiracy theory.
  5. My backstop retirement date is two and a half years away; as it now stands I am fine with the half - winter - but think that the two years could maybe be better spent. It's going to come down to how I'm feeling after Christmas and how convinced I am that I will grasp the next year and make the most of it if I stop working. If I'm not totally convinced and think I will be helping out on a temp basis even if I do leave then I will do another year and think again. If the alternative to work is sitting on the sofa then I'm working; if it's windsurfing in the Canaries then I'm retiring. I need to be happy that my motivation to do things is sufficiently strong.
  6. The private DB was nudging 30x, the public sector DBs were lower but I had already been advised that was likely. That really wasn't enough; I had read of 50x being common and 70x exceptionally available but I didn't get anywhere near that. It's not a fault of the review it's down to the indvidual scheme. Yes things can happen but I think I'm getting sufficiently close at 52 that changes in the interim will bring riots whereas screwing over the under 40s seems to go repeatedly unpunished. The guaranteed decent income at 65 yes does allow me to be more risky in investments but also does allow me to more risky in general - live abroad for a few years, buy a big house, go away on trips all the time - without worryng that I'm eating into the capital that provides my income because I know that there's a decent pension kicking in later which will afford me a good lifestyle even if I burn through most of my investments. Sepcifically I had intended on taking a 1 - 2% return out of the investments so that they continued to grow in real terms but I would now, post review, be comfortable that I could take a 3 - 4% return out and not worry about inflation eroding the capital value because they don't need to support me for decades; just for fifteen years (or less). So the end product of the review is that I have doubled my income between the period 50 something to 65 because I am now comfortbale in doing that and I wasn't previously. The review has taken a lot of effort and thought on my part, plus the £1,500, but it has very much lifted a recurring concern about future finances and how long I needed to work to secure them. The clear answer is that I could stop work today; I don't however want to do that but it does mean that the decision no longer has a financial dimension and that is a big weight lifted.
  7. Yep. Plymouth and Exeter universities have both massively over-reached themselves. Exeter's saving grace is that an Exeter University degree still counts for something because of its more impressive history; a Plymouth degree is just another degree from an ex-poly. The student accommodation continues to be built for students that aren't there despite much already standing empty and the numbers keep dropping from a peak of over 30,000 to about 20,000 now. It really doesn't make sense and generally when things don't make sense and the state isn't going to bail them out then the inevitable result is collapse.
  8. Mind you what's the odds that he was some antifa liberal? As you say a sensible black man would have realised that he was at risk in that situation and got out, or not put himself in it in the first place, as would any sensible white bloke. The only reason to my mind that he's not seeing the danger is because he is telling himself that to think that he's in danger through being there is simple racism because the people hanging about are black. And he's not a racist. SJWness overrules survival instinct - fail.
  9. She sounds more like Gloucestershire to my practised ear; I don't know where he's meant to come from - non-specific posh south central England.
  10. Absolutely that's the proper Cornish accent. It's very different to Somerset; often higher pitched and quicker with the typical word being "bleddy" which isn't something I hear elsewhere. I haven't seen Poldark for years but from what I recall it was generic west country rather than Cornwall. I don't have it owing to my having lived all over the south of England; people tend to assume that I'm a tourist.
  11. I would be entirely fine with eating horses and down here, particularly on Dartmoor, there is a big problem with old horses being abandoned because no one will buy them as they are too old to be ridden and don't have a food value. Eating them would stop what amounts to animal cruelty. They are after all a browsing animal like a cow. My view on this is however tempered by my not ever having had an horse so I don't anthropomorphise it. I wouldn't look at a horse steak and think "That might be Dobbin" and push it away uneaten. I wouldn't eat cats or dogs because I have been fond of both and guilty of anthropormorphising them. Similarly I wouldn't eat people.
  12. I can understand that but that isn't really me. I have never been a great fan of meat and up to leaving college at the age of 21 I had literally not cooked any. I cooked other things but when I ate at the family home or at college then meat was the default option. This made turning vegetarian very easy. As mentioned though whilst a vegetarian I was steadily losing weight, and I wasn't fat to begin with so this was muscle going, until that along with the other side effects convinced me that I had to pack it in and start eating meat again. I would happily never eat meat again but view it as necessary for a healthy life (for me) so do so*. Though as pikced up on another thread in common with @The XYY Man I will never leave or waste any meat and will buy offal - liver, haggis, black pudding - as having killed an animal food we should eat all of it that we can. When it's come up that I used to be a vegetarian the standard question is "Was it bacon?" because that is one of the things that I know has turned vegetarians back onto eating meat. The answer is that I never particularly liked meat in the first place and was unhappy about eating it so it was easy to stop doing so because I had often been forcing myself to eat it. * I am aware that if I put a decent amount of time and energy into having a blanced vegan diet with plenty of protein then I would be equally healthy. I am however not honestly going to do that so am not going to pretend that I will.
  13. Quoting myself but all completed now. I didn't actually make the transfers. The very clear message from the review, which is a full financial review rather than just pensions, was that I didn't need to take anything early because it would just be surplus cash that I would then need to find somewhere to invest. The private db transfer values were good but not great so I'm happy to let them ride. In letting the pensions mature it means I can be a bit more cavalier in drawing money out of investments, possibly for buying a big house, because by doing that it means that I can leave myself entirely potless at 65 and then be totally comfortable when all the private pensions kick in at 65 and the state at 67. Also in doing the review it very much provided my own focus and therefore clarity upon my own position and the financial benefits of continuing to work as distinct from the other benefits. The former are not gpoing to make a material difference to me as compared with not working so I now only have to concern myself with the latter which is a definite step forward. It was flagged that my fund investments were very unbalanced, which was true - they were very UK focussed - so I've switched some about and it's now roughly 45:45:10 UK equities / developed economies equities / punts which is far more balanced than it was. That was £1,500 very well spent to my mind.
  14. Never heard of it. Yes, definitely worth a visit. There's the old mining buildings at Botallack and St Agnes if you like your Poldark; plus of course Charlestown harbour near St Austell which has been in everything from the Onedin line on. Coastal walks aplenty but usually very up and down. Nice short ones are Minions / Hurlers / Cheesewring Bodmin Moor, woods at Tehidy (Portreath), Cardinham (Bodmin) or Golitha Falls which is the fast headwaters of the river Fowey on the way to Minions and is also a woodland walk. Good if slightly long walk around the impressive Loe Pool at the seaward side of Helston. Best pure coastal maybe south from Lands End, Lelant to St Ives and back (nb - this is the only way I would considering visiting St Ives - do not drive there or park there or you will regret it and it's not that great anyway) or Penzance to St Michaels Mount and back or Penzance to Mousehole and back. Wandering around towns on wetter days: Penzance, Falmouth, or Truro. Or even Plymouth if you're in the east of the county. The area around Sutton Harbour (the Barbican) and then up past the Citadel to the Hoe is impressive. The Liskeard to Looe branch line is great if you like a lovely old train journey through the country and by a river and Looe is anywayworth a couple of hours wandering around. As to where to stay well I don't stay in many places in Cornwall, owing to living there, but the best place I have stayed is the Dolphin Inn in Penzance. Three or four rooms above a quiet pub with decent food and frienldy owners right by the harbour so that there are actually stones rattling it during storms. Plus ghosts apparently. £70 per night but you'll need to buy your breakfast. No parking but loads just over the road outside of summer. http://www.dolphintavern.co.uk/rooms.php These vouchers are genunely half price but are usually starting as doubles. https://www.piratefm.co.uk/shop/vouchers/half-price-hotel-stays/ As to avoid: well nowhere is really that rough; I presume that you weren't planning on hanging around council estates at two in the morning anwyay. The inland towns and villages are generally down at heel and you'll wonder why you bothered. Here is our ruler the Kernow King to give you a brief summary:
  15. Frank Hovis

    Epstein

    It's pretty shocking that somebody with the sort of income she has had going around begging for £15k. She probably blows that on a single skiing holiday. She has the option of living for free at Andrew's expense and still racks up debt; because she's worth it.