>>7458
>You could ask your new employer if they'd pay into your existing plan but very few will
Is that because they have bespoke deals with pension providers?

Cuurently my plan has a net transfer value of ~£3K. Ignoring charges what would you do?

>>7483
Employers just prefer for everyone to pay into the same scheme because it's less hassle for them.

The average workplace pension is typically cheaper than the average individual plan because insurers will offer employers discounts if it means a lot of money will be coming their way, assuming the employer is savvy enough to be aware of this and to shop around. If an individual wants a cheap pension outside of the workplace then they're better off using a platform, also known as a fund supermarket, rather than your traditional insurer unless they've got a fair bit of money to play with.

>>7484

Vanguard keep promising to release a very cheap pension where you can invest into their funds. It has been a long time coming, though.

>>7486
Vanguard seem overhyped to me. Fair enough if you're nearing retirement so you're better off with an equity & bond fund, but if you're younger then their pure equity funds aren't anything special so you might as well take more risk. It's letting the tail wag the dog.

>>7488>>7490
Click Anonymous.

>>424062

Chartering a private jet at short notice is very much a thing. There is an entire industry set up to get wealthy people from anywhere to anywhere as quickly as possible in the lap of luxury. Sticking a £15m asset on a knackered plane being flown by someone without a commercial license is, to say the least, a questionable decision.

>>424058
There is a whole "underground" market for taking plane trips in small planes that skirt around the usual compliance requirements for operating aircraft commercially. It is based around whether or not the plane owners, or the pilot, are receiving commercial reward for the flight, or whether it is just done for reasonable expenses. It's a slightly grey area of legislation that has been exploited to the maximum. Additionally in this case there are big questions around the ownership of the plane, its US registration and the US-flagged license that the pilot was flying on - he almost certainly wasn't correctly license for flying a plane of that type, at night, in bed weather. I'm sure this will all come out, in detail in the AIIB report - they are very thorough.

See: Wingly for an example
https://en.wingly.io/index.php

I expect this crash will result in the CAA changing the regulations around what private pilots can and can't do - its going to get even murkier post-Brexit as our laws (and pilot licensing) will be out of line with Europe. It's quite possible post-Brexit without any changes, that private pilots (and UK-registered General Aviation aircraft) will have a difficult time flying across the channel.

>>424245

I hope you've been stockpiling!

>>424289
ITZ COMING

>>85258
>Im still not convinced counter-protests should be a thing

Then how would angry Mohammedan yoots and simpering pansexual art students anti-fascists make the EDL aware their presence isn't wanted?

>>85258
Does any kind of protesting work? Let alone counter ones.

>>85266
Given your post comes days after the Algerian president, Abdelaziz Bouteflika, said he wouldn't run again, following mass protests against him running for a fifth term, I'd say yes, yes it does. Even if it doesn't result in direct and immediate change it can still focus people's attention on a cause and establish popular sentiment. For instance the student protests against tuition fees made it clear how young people felt about those changes, which is something that's important to display in terms of future policy making. The same goes for the anti-fracking protests in Lancashire. Indeed, something like that might hardly have made the news if not for the protests against it.

>>85265
Well, they could have a lovely day at the seaside instead. Who could possibly smash up a bus-stop when you have a 99 in your hand? What better way to get noticed by the news than having your counter-protest involve building lovely sandcastles?

>>85266
It gets people out the house and that's the important thing.

>>85268
>Who could possibly smash up a bus-stop when you have a 99 in your hand?

Just use your feet. Are you daft?

>>425207
Introducing to harsh realities is one thing.
Doing the 'oh you got whacked? here, have some more' routine is another.
Pretty sure we were talking about the latter. I'm definitely with you on the former, I frequently find myself annoyed with folks of the sheltered upbringing.

Just a quick one lads, for any Londoners. According to the tfl website you can just use any UK contactless card in place of an oyster card in exactly the same way. Is that absolutely for sure? I don't need to sign up for anything or activate anything? I can literally just walk onto a bus with my debit card with no issues?

>>425215
Yep.
They will (permanently?) block it if you use it too much with no money in your account though.

>>425216
Thanks lad.

>>425215
It also works with your phone.

>>85235
>>85238
Y'know, even if he didn't mean that, it's not a terrible idea. During the credit crunch, quantitive easing was essentially printing new money. However if that money was given to the poor, who are more likely to spend it immediately than the rich, it would have a much more stimulatory effect on the economy, for a negligible effect on inflation. It's only printing money repeatedly to fund routine infrastructure or to pay debt, that doesn't work.

>>85259
>who are more likely to spend it immediately than the rich, it would have a much more stimulatory effect on the economy

What would happen is that all the local / Northern shops would just put their prices up. This is capitalism / economics 101. Your printing-money idea would only work if there were similar, compensating controls on pricing and supply; otherwise this would balance out any benefit of doing it in the first place.

If you wanted to help people like this, just give them stuff, don't fuck with the supply or value of money.

>>85261

I get the feeling you don't know how the supply of money is dictated.

>>85261
>If you wanted to help people like this, just give them stuff, don't fuck with the supply or value of money.
The people who say this line almost inevitably proceed to balk when you suggest going all robin hood. Assuming good faith, the fundamental problem is that this misses political economy. If I announce that I'm sticking up taxes and jacking up spending, the response - both on the markets and with the confidence of the general public - is going to be much higher than if I instruct the Bank of England to make some alterations to monetary policy which will have similar (if broader and less predictable) redistributive effects without overtly stating as much.

Frankly so long as whoever's in power isn't a complete idiot about it the risks would seem to be overstated. The 1970s were a total anomaly with disproportionate mindshare and almost every other country that has had major problems has already been a basket case before they went all macroeconomic populist. I'm not saying we should be the first ones to go out and try it and see what happens, it might still do bad things, but serious and sober minded people seem to be capable of thinking the UK could become Venezuela just because someone at the BoE had a shit day in the absence of any historical precedent.

>>85214
While I agree that government should be looking at ways to shift away from our London-centric model I do question how effective it will be. At least in terms of how solutions are now being approached. The London economy is built precisely around it being a global capital with the manufacture parts moved out to places like Derby (for Rolls-Royce aerospace). Yes, the rents outrageous but much of the work done in the capital is location specific and can't easily be transplanted without just hobbling the city.

To go back to the point of the HMRC, they have been doing a fair amount of moving the administrative workers out to regional hubs but there still needs to be a core contingent of policy managers in London. It's looking at the problem backwards when the issue isn't that everywhere else is shit but that London is incredibly successful and now suffers from national policy built on fairness but which becomes unfair regionally.

The alternative I suggest would be to embrace Georgism and attach the majority of tax collection to property value. That might still hurt London by it would at least have the knock-on effect of closing down the property game.

>>85261
>If you wanted to help people like this, just give them stuff, don't fuck with the supply or value of money.

I've long argued that governments should help address the stress of a downturn by buying everyone a pint. It's a bit like that tax holiday we had at the start of the Great Recession where sales tax was removed only rather than just a signal to consume it is one telling you to take some tlc.

Maybe we could go further and have public holiday camps with a special bank holiday in times of trouble. People could choose what kind of place they go (so I don't rub elbows with the riff-raff) but all would offer some greater public function like education or a special singles camp for bonking.

>>4299
Or put in the neutral and rev the engine a bit. Which is silly just as well.

>>4295
>>4298

That grille forces me to see it as some sort of clandestine Lancia

https://www.youtube.com/watch?v=pxExqeCGvWA

@26:15 Fastest road legal car - Vauxhall Victor with a 2000hp V8. 0-60 in 1 second.

Saw a rather well-maintained W123 today, driven by some older bloke in his late 60s.
Think he was mildly flummoxed by my interest towards his 'old shite beater' car.

This thing.
No idea how it got here.

>>18596
Spreading your arse is a fantastic type of art, that guy's an idiot.

>>18654
Spot on.

>>18588
> 'That is not a crop top, it's a BRA!'
And bugger with it, it's not like she has massive titties under it.

>>18702
I must have missed that episode of the X-Files.

>>62734

I'm fully convinced that the 'bait' women that talk dirty to the paedos are the most sinister part of the whole operation. They spend all day having cyber sex with weirdos, I bet they're diddling themselves constantly while doing it. They all look the type. And then the blokes just clearly love wielding the hard cock of street justice. If anything the paedos are the least offensive part, particularly because all they've actually been doing is flirting with a 45 year old wifey.

>>62736
Just exactly like this one, in fact. The manager of a kids nursery, was in the news last week.

>>62736>>62737
It just wouldn't be Britfa.gs without reverting to woman bashing.

>>62733

This kind of mob outrage is at best just plain stupidity.

Some percentage of the population are carpet-baggers to some degree. It's probably somewhere in the region of 2%, but it could be as high as 10% depending on your definition. Most of those people will never diddle kids and will keep their carpet-baggery predilections secret. Not everyone who diddles kids is a carpet-bagger and we don't really know why some carpet-baggers diddle kids and some don't.

We could just execute anyone convicted of diddling kids, but that's a hugely high-risk option, because then kiddy fiddlers have nothing to lose. If you abduct a kid, you might as well kill them, because you'll get strung up either way. If you've been diddling your niece, you might as well kill her if it looks like she might grass you up. The death penalty might be a marginally stronger deterrent, but it's not as if we're soft on kiddy fiddlers at the moment but it doesn't seem to stop them. Same goes for locking them up and throwing away the key.

You can persecute convicted carpet-baggers, but that just drives them underground. If you're living in a tent under a bridge as a social outcast, you've got very little left to lose and so very little reason to keep your nose clean. If you chase them out of town, they'll just move to somewhere they won't be recognised.

If everyone knows that there's a carpet-bagger living at number 32, he poses very little risk to anyone. The whole community will be keeping an eye on him, everyone's kids will have been warned to keep away, the old bill will be round if he so much as glances at a school bus. If he has a job and a home and some semblance of a social life, then he has reasons to keep his nose clean. It doesn't make intuitive sense, but the best way to reduce the risk posed by carpet-baggers is to integrate them into the community to the greatest extent possible.

>>62739
You seem to have given this some thought, paedolad.

>>22748
The visuals are very memorable and unique*, from the colourful guns and enemies to the beautiful sky boxes, you've got a quality campaign (at least until 4) and the multiplayer is probably the most fleshed out I've known in an FPS. Obviously it's all a matter of taste, but I also prefer the pace of the gunfights over Quake or Counter Strike, which were always 2fast4me even before I hit the e-sports retirement age I'm at now. But going back to how diverse the multiplayer can be, you could probably edit player speeds, health and weapon damage to have a Quake-like custom game mode quite easily, or just race ATVs, or get chased by an unkillable zombie ghost. Basically it can be anything you like, hopefully doubly so once it's on PC.

*Yes, I am aware they cribbed plenty of ideas also.

I played the first Halo recently for the first time since it came out, and I was surprised by how open it was. It has the reputation for the dumbing down of FPS games, but even early missions don't hold your hand with excessive way points like modern games have.

>>22748

The one thing it probably did better than anything else is AI. It feels believable for reactions in a war zone, each type of creature has it's own personality that comes through. I don't recall anything doing as good of job of it before or since.

>>22756>>22757>>22758

All of this. I remember the Halo series being the first games in a long, long time that really made me want to play through them on every difficulty and get all the achievements and all that. There's nothing that brings four hopeless nerds together like spending days or weeks trying to get the LASO achievements. The AI really helped with that, it wasn't just "more" enemies running at you, they were actively more aggressive.

More than anything else, the appeal of Halo to me was that I grew up with it. It's a game I could play in my room on my little 14" telly, I didn't have to borrow the family PC and sit in the living room and all of that, it was mine. Even if the games were shite I'd probably still have that feeling, but they also happened to be very good.

Halo is also the reason a lot of my online life exists, I have friends I made on Xbox live before it was even called Xbox live, that I still talk to today. I have friends from the Rooster Teeth and Machinima communities, both companies that simply wouldn't exist without Halo. It was a Big Deal for console gaming back then and that won't be forgotten easily by someone my age.

Halo CE being on PC, and able to run directly from a flash drive was excellent craic too. We used to just play each other in it in school/college computer labs when nobody was looking.

>>22752
> "God, this reminds me of how much fun I had with UT back in the day!"
Same, that's why I've been replaying UT99 recently. Got to the DM-Phoboss, getting massively wrecked there.
I also have the GOTY edition which sadly has some decent DM maps replaced by some other ones that I like less.

Sort of want to play UT2004 again too. I have my reservations though, as I remember the 2004 was pretty intense too and somehow differently intense. For example, in UT99 the November Sub Pen CTF map had the most vicious combat situations right in the middle. In 2004, the middle seemed to be rather dead. There were more 'tension pockets' across the map, the overall pressure just wasn't there.
It also felt a bit more Quake-ish in general to me.

Thanks for the comments. Perhaps I'll find some time to try it if it really comes to PC.

>>84912
>In fairness, the name is a coincidence as the organisation began in the USA.

Doesn't matter - plenty of companies and organisations in the UK and Europe have different names from their US versions, just for this reason.

>>84913

I doubt they bothered to even google the name before they registered it.

Any campaign relating to the UK politically is going to be targeted immediately now. US conservatives saw it right away. It's funny but it goes deeper than having a laugh.

The NZ shooter cited Turning Point's Candace Owens as one of his inspirations. Maybe Turning Point are more dangerous than I initially gave them credit for.

>>85241
>https://www.bellingcat.com/news/rest-of-world/2019/03/15/shitposting-inspirational-terrorism-and-the-christchurch-mosque-massacre

But you knew that already.

And quiet bat people to monitor them!

>>85229
Spoken like a true ex-postie and fairly typical of the thinking we have come to expect from North Cornwall.

>>425159
This is really scraping the barrel in terms of celebrity deaths.

https://www.youtube.com/watch?v=P3gx7CSXEzo

>>425160

Lad.

>>425161

Don't lad me just coz use a sadlad.

>>425173
Don't lad the sadlad just because use a madlad.

>>425174

I'z a madlad but not a mad madlad, i didn't lad the sadlad, the sadlad lad me, lad.

>>62706
I bet it's those fucking clangers. They're always up to shit.

>>62707
If anyone needs more proof that the Moon has a dark side you only have to remember it's connection to the BBC in the 1970s.

>>62702
I think that's how Dead Space 3 ends, except monsters did it instead of gravity.

Deffo nothing dodgy going on on the Far Side of the Moon, lads

>>13063
Is that you Prime Minister?

"I don't shop around for the cheapest petrol because I always put a tenner in wherever I go."

>>13065

People think I'm mental for just filling up wherever I happen to be, and not really looking at the price - even if the price difference is 10p (it's usually only 2 or 3) then if I fill my tank up I might have saved six quid on a tank by going to the Asda on the other side of town vs. the Shell. If it takes me 20 minutes to get there then it's hardly a saving at all, if you value your time.

>>13066
There's merit in that line of reasoning, particularly if it is a long journey to a cheaper petrol station. However, stating that you don't shop around because you always top it up by the same monetary amount is all kinds of stupid.

>>13067

A 50% extra free offer sells better than a 1/3 discount. Most people are functionally innumerate.

>>425135
> she makes noises that she's enjoying her food
That he did too, in addition to chewing audibly. I don't even want to remind it myself.
Seems you're in hell right now, laddie.

My girlfriend and I have been thinking about moving for a while and I've spent a few days just driving around aimlessly finding nice looking areas and that sort of thing.

When I suggested a lovely place overlooking the river and right next to the marina, I mentioned it separately to my girlfriend, my mother, and my closest friend, and they all said almost exactly the same thing - "Yeah but you'll end up spending loads of money on a boat, won't you?"

I don't know where I gained this reputation for being such a financially irresponsible prick enthusiastic, broad minded hobbyist, but I'm not sure I enjoy being so predictable. They're completely right, too, I had already looked up docking fees.

My girlfriend wants to either move to the seafront or closer to the airport, I'm not sure she appreciates just how far my sickness goes, though. I'll either be lost at sea or have a pilots license by the end of the year.

As an aside, I've always held the probably innacurate idea that living on the seafront is a nightmare in terms of your house rotting away from rust and saltwater erosion. But the view would be nice. But then so would being able to walk to the airport.

>>425151

If the seawater doesn't ruin everything, the seagull plop will. Also, after recently revisiting the seaside town where I grew up (and hadn't lived for about ten years), the first thing I noticed was that the sea STINKS.

>>425152

Which seaside town?

>>425156

>Which seaside town?


https://www.youtube.com/watch?v=d0LeL9BUPtA

>>28209
The wrong way of saying it is right. The right way of saying it is wrong.

War is peace. Freedom is slavery. Ignorance is strength.

Centrifrugal.

>>28347

Ugh. I forgot about that one.

That's a "mute" point.

Upsets me every time. Even had someone spell it that way recently.

"I personally think..."

>>22584

The fake tan is a deal-breaker. I don't mind common, but I can't be doing with Oompa Loompas.

I will admit to preferring Donna over Janet.

>>22585

Also I've just realised that Jenny is the image of a cousin I tried to cop off with at a wedding. Not my proudest hour.

>>22586

Never change, .gs.

>>22583

C L E A V A G E.


https://www.youtube.com/watch?v=BbSzyKAWqTw

>>22584

Funnily enough she didn't have the fake tan in series 1. She's still a bit too rough for my liking though. The most bangable of the main group is easily Erin. However, the absolute hottest girl in the entire series is that Charlene who was in series 1 episode 2 (the French trip episode) right at the start, god knows why they didn't show her more often, she's fucking tasty

>>425106

>Oh, is that it? I thought it was people who got off on being smothered.

That's also a thing, where they just sort of sit on you so you can't breathe. It's hot if you're into that sort of thing.

The effect is pronounced enough when my 7st girlfriend does it, I can't even imagine a massive woman doing it, I'd probably just feel like I was definitely going to die.

>>425111

I've been told to correct that my girlfriend is 8st 2, so "they don't think I'm anorexic"

>>425111
I'd imagine it's smellier with a hefty lass.

Pardon the interruption but there's a nice lass I met who would like to go out on another date. I thought that maybe my matches had simply ticked everyone but I guess there's a 3-day rule on these things. Speed-dating can work it seems.

Anyway, bit of a /map/ question but does anyone know a decent idea for a date around Croydon? The area is a bit out of my way but she came all the way down for the speed-dating so I thought maybe I'd return the favour. Google is proving rather challenging with the question and it might be a bit weird to ask a girl out and then ask her to suggest the venue.

Oh, and:
>>424670
Don't wear a suit. You'll look like a dickhead and everyone will ask if you've just finished work.

>>425096
>If you want to know what my upper limit is, I'll tell you when I find it. I will tell you that I was once rushed to hospital on a spinal board as a result of a facesitting mishap. 100% worth it.

Jesus lad. Well each to their own. Also what do you think of this:

https://www.youtube.com/watch?v=h2gIJkDYe-g

>>27064
We use the Dell U3417W Ultra-wide 34 Inch curved monitors at work and they are brilliant. About £600.

That's one hell of a codex.

>>27065
That seems excessive for his needs.

Define half decent - to some lads on here that would be 28" 8k with proper colour calibration, to others like myself it's whatever black rectangle is the cheapest and I can look at porn on.

I have a few Asus VS248HR's - they're fine. Look decent enough and are about a hundred quid a pop, which is about my price point. You'd need to buy a usb-c to HDMI adaptor but that's about it. (They do have a VGA port but I think that limits your resolution somewhat) certainly good enough for office work.

>>3479
Congratulations lad, this is possibly one of the best necrobumps I have ever seen.

>>2378
fuck off ossett lad

>>3481
N1 m8 don't know wot it me

Or at least I think it was me. I was definitely here in 2012.

>>3482
>N1 m8 don't know wot it me
Maybe come back in 2025 and you'll find out.

>>3479
Fortune Cookie in Dewsbury, but that's because it's hard to find somewhere round here that does decent tofu dishes.