Keeps

We all know this thread will be heavily sanitized and probably rather rapidly. Just hope some people get to read what a prick Malky boy is before it all gets deleted.

Yes, they love ganging up on old one's they think they stand a good chance against mob handed. Soon as someone bigger and tougher comes along they have little to offer. Go back home to Oz Malky, you're embarrassing yourself.

You'd get the best of both worlds sat next to me. I talk in my sleep.

I don't disagree but I think the markets and investors learned a lot from that. There have been subsequent crashes but not as disastrous as that. Perhaps, lessons learned? 2007 was pretty grim but from a personal point of view, fantastic. Gave me a huge opportunity to make money. Makes sense to keep a healthy cash buffer for grim times and buying opportunities. Let's not forget Covid. I lost a third of my pot on paper. Luckily, I was sitting on cash so bought in at the bottom. Got far more money now than I've ever had. I do not and have never directly bought any of the 'big 7' US stocks. Some of the global funds I have hold them of course. Missed out? Maybe. But I'm happy with what I have. They don't generate income, only growth. I know what I need to generate and the portfolio is structured accordingly. I generate more than I need currently solely from bluechip high dividend UK stocks as part of my overall pot. I will need more as the year's tick on but I will adjust the portfolio to suit my needs.

You're right. But I can see the hotties looking at their tickets muttering to themselves "please don't let me be sat next to him".

Fair play to 'shredded wheat' head, whoops , I mean Mr Trump and his immigration team. Could do with some of that in the UK.

I normally get to board the plane early in the first wave due to membership status. Doesn't matter in business (which I rarely fly) but even in premium economy, I sit and watch the subsequent boarders and I'm often muttering to myself "please don't be sat next to me, please don't be sat next to me". The fatties often grab all the 'beer snack's' aswell.

Wasn't you waving at me and rambling incoherently outside 7/11 this morning, was it?

Probably confuses some on here who think it's a new member.

I think you will find that is 'plain' nasty.... I'm joking Richard, just couldn't resist 😂

You don't have a boat? Not even a small 4 berth yacht? Peasant.....

A lot of misinformation contained within this thread from various parties. I would agree with one of the comments to use Hargreaves Lansdown. You can transfer your entire pot to them and you do not immediately need to decide what to do with the money. It would involve transferring any holding within a SIPP. You can leave it sitting there as cash until you decide what to do. I have done this myself and transferred various pension to them and also contributed directly to my SIPP. You do not have to buy an annuity with your entire pot. That is an option. You could decide to buy an annuity with, say, £100k to cover guaranteed outgoings. You could choose to leave the remainder in cash (yes, they do pay interest on cash holdings) or invest in cautious funds or bluechip dividend paying companies. There are numerous annuity options available (all within the Hargreaves platform). flat level for life, guaranteed for a number of years, built in increases per annum etc. There are obviously sliding scales of return depending on which option you take. You could probably achieve between 8% decreasing to 4% depending which option you decide to take. Hargreaves also offer a 'health declaration' whilst seeking annuity quotes. The more health issues you have the higher the annuity income. Don't forget though, with some of the options, you will lose the pot if you suffer an untimely demise. At least if the money (or partial pot) is invested, you can detail a nominee for your remaining money to be paid to. You provide the nominee details to Hargreaves Lansdown. They have no contractual obligation to do so but will respect people's wishes to the full extent they can. There is also the option to move partial amounts of the pot into drawdown whilst receiving 25% tax free lumps. Once in drawdown, you can then withdraw an income from the drawdown pot. I would advise against moving it all at once. Just move/take what you need. This also provides the benefit of allowing the SIPP pot to continue to grow, thus enhancing any future tax free amounts. Be aware that there is an annual charge to hold within Hargreaves Lansdown of circa 0.45% per annum, collected monthly. There is no charge for holding cash and holdings of shares are capped per annum at a lower level. If you require any further information, please send me a personal message. I beg you not to listen to much of the misinformation already posted. Lastly, I had a pensionwise telephone discussion around 18 months ago. I didn't personally find it of much use but they will explain your options.

Hugely reduced chance of getting his money back if he got rid of them.

I hope I die peacefully and suddenly like my uncle Dave did. Not screaming in terror like the passengers on his bus.....

Makes you wonder just how much is getting out of the country though if 'they' can afford to lose consignments as large as this and the previous couple of busts at Samui airport. Over a third of a ton in the last four or five days.

I thought that cannabis was legal in around three quarters of USA states for medicinal purposes and about half the states for recreational use.

I can only assume that they had not heard the news that there had been a couple of major busts at Samui airport in the previous few days. If they had, and they still tried it, then they are even more stupid than I give them credit for.

I would speak to them. I would tell them to get a proper job. I don't think this topic is going to get you surging back up the leaderboard. Must do better.

You have a beard? That's it. We're done. I can't take you seriously anymore.

That's the one. There is a small display case on your right as soon as you enter. Has the chocolate and cream eclairs. Bottom of that display case was the dark chocolate blocks. Had milk chocolate aswell.

Ah, I didn't mention those that I dislike. Merely those that I despise....

I understand that it has been gloriously balmy in the UK presently? Got to head back myself in a week or so. Cut the grass, bit of weeding and all that. 👍

Or he could be assassinated if he gets a bit too above his station? Wouldn't be the first time it has happened in the USA.

I'm just glad you didn't ask me to name them as that could get me in a whole heap of trouble. And no, I won't, even if you do ask.

Good question Bob. There are three posters on here that I utterly despise but I think hate is too strong a word. I hasten to add, you are not one of them. I never thought I could feel such utter disdain for people I have never met. However, just from their posts I know I would have no time for them in real life. I have met people that have given the vibe that they have the same feeling for me. We can't all get on though, can we? I've decided to let it go. Generally, I don't like most people unless they give me a reason to think otherwise. I accept that the boot might be on the other foot aswell. I can live with that. Too many knobs about. I'm totally comfortable with my opinion and situation. It suits me well. Also, in response to part of your question, do we need to overcome it? Hate can be good as positive vibes can be focused elsewhere. Better than complete indifference.