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The Cambodian passport has dropped seven places in the most recent rankings.
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32
Split AC Keeps Freezing over in exercise room
The problem is that he has somehow come to the invalid conclusion that the icing is caused by excessive humidity, which is false. Reducing humidity in the room being cooled will therefore not reduce the probability that this problem will occur. IF he REALLY wants to show that this is being caused by humidity, then he will need to buy a humidifier and a hygrometer, and then do a lot of testing to rule out other more likely causes. He will need to do trials at varying temps and humidity. Also, one possibility is that exercising in a small room, maybe with other heat-producing equipment running, is causing the temp in the room to increase. And this increase causes the AC's compressor to run at a higher percentage of the time. And this, then, is what causes the ice to form. If this is the case, then he should have the AC serviced. And, he should check the factors that have already been suggested, such as coolant pressure loss, etc. One cannot just form a hypothesis, and then not test it, and then state that it is valid. That is just NOT DONE in science. -
32
Help needed with buying an annuity with my personal pension funds
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. -
121
The EU Is Authoritarian and Hates Democracy
You started on this "national election" tack but this single issue has limited effect on justice and law in any country where EU law has primacy. -
367
Solar - 8kW Hybrid Inverter w/10kWh (upgraded to 20kWh in Sept. 2022) ESS/battery (not DIY)
New info for me also until the AI master heard me ask about PEA generators. -
73
Feeling a lot better today and back on the booze!
I love women and I love LB so what? bob. -
73
Feeling a lot better today and back on the booze!
As do you apparently Bobby - front / back...
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