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>> No. 3840 Anonymous
19th September 2013
Thursday 10:03 pm
/£$€¥/3840 Pensions
The OFT have come out and said that many old (i.e. set up before 2001) pension schemes have high charges and offer savers poor value for money. They've also suggested a cap for auto-enrolment schemes, but it's going to be an almost meaningless gesture as you'd be very hard pressed to find a provider offering auto-enrolment terms with annual management charges greater than 1% anyway.

The pension scheme I'm in at work (contribution: 5% employer, 5% employee gross) has management charges of 0.6%, which I'm alright with as it's less than I'd get if I was investing in collectives through an ISA.

However, I've put the charges and contribution details into Invidion's pension calculator for an idea of what I'd get when I'm 65, 40 years from now, and if my salary increases in line with National Average Earnings and I took the 25% tax-free lump sum I'd be looking at a pension in today's terms of 27.5% of my current salary. If I wanted a pension that would be about two-thirds of what I'm earning now then I'll need to contribute, assuming the employer contribution stays at 5%, 15% gross (12% net) of my salary every year for the next four decades. This does depend on what annuity rates will be like then and I'd also be getting the State Pension, as long as they haven't upped the age you receive it to 80 by then.

If it wasn't for the tax relief and my employer matching my contributions then I doubt I'd bother and I'd look into other ways to support myself while I'm in retirement. What about you lads? What are your thoughts on pensions? In my opinion to have any form of decent retirement income you're at the mercy of your employer offering a good pension scheme.
602 posts and 27 images omitted. Expand all images.
>> No. 7483 Anonymous
11th March 2019
Monday 10:23 am
7483 spacer
>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?
>> No. 7484 Anonymous
11th March 2019
Monday 10:42 am
7484 spacer
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.
>> No. 7486 Anonymous
11th March 2019
Monday 9:11 pm
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Vanguard keep promising to release a very cheap pension where you can invest into their funds. It has been a long time coming, though.
>> No. 7487 Anonymous
11th March 2019
Monday 10:19 pm
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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.
>> No. 7491 Anonymous
18th March 2019
Monday 12:20 pm
7491 spacer
Click Anonymous.


>> No. 423717 Anonymous
21st January 2019
Monday 9:10 pm
/b/423717 spacer
How'd you lot find Blue Monday then? Apparently today was the most depressing day of the year and Maccies is giving out free cheeseburgers to stop us all offing ourselves.

I thought it was a bit shit. Not gonna lie.
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>> No. 424067 Anonymous
7th February 2019
Thursday 3:27 am
424067 spacer

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.
>> No. 424245 Anonymous
16th February 2019
Saturday 11:42 am
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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

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.
>> No. 424289 Anonymous
16th February 2019
Saturday 8:42 pm
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I hope you've been stockpiling!
>> No. 424290 Anonymous
16th February 2019
Saturday 8:59 pm
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>> No. 425236 Anonymous
17th March 2019
Sunday 11:18 pm
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>> No. 84895 Anonymous
9th February 2019
Saturday 8:13 am
/pol/84895 spacer
Jimmy Saville: My new Brexit party stands ready to defend democracy

'Thousands of Tory party members' to defect to Jimmy Saville's Brexit Party as it gets official approval

Rebel Labour MPs set to quit party and form centre group
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>> No. 85265 Anonymous
17th March 2019
Sunday 7:22 pm
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>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?
>> No. 85266 Anonymous
17th March 2019
Sunday 7:23 pm
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Does any kind of protesting work? Let alone counter ones.
>> No. 85267 Anonymous
17th March 2019
Sunday 7:54 pm
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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.
>> No. 85268 Anonymous
17th March 2019
Sunday 8:15 pm
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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?

It gets people out the house and that's the important thing.
>> No. 85269 Anonymous
17th March 2019
Sunday 8:38 pm
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>Who could possibly smash up a bus-stop when you have a 99 in your hand?

Just use your feet. Are you daft?


>> No. 424669 Anonymous
2nd March 2019
Saturday 2:35 pm
/b/424669 spacer
Weekend thread: bangers and mash edition.

If that lad with all the instant mash is about then I may have a business proposition for him; I went a bit overboard buying wholesale bags of Quorn sausages from Farmfoods.
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>> No. 425211 Anonymous
17th March 2019
Sunday 2:34 pm
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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.
>> No. 425215 Anonymous
17th March 2019
Sunday 3:17 pm
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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?
>> No. 425216 Anonymous
17th March 2019
Sunday 3:20 pm
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They will (permanently?) block it if you use it too much with no money in your account though.
>> No. 425218 Anonymous
17th March 2019
Sunday 3:23 pm
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Thanks lad.
>> No. 425224 Anonymous
17th March 2019
Sunday 6:54 pm
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It also works with your phone.


>> No. 51753 Anonymous
11th November 2013
Monday 11:24 pm
/pol/51753 spacer
Switzerland will hold a vote on whether to introduce a basic income for all adults, in a further sign of growing public activism over pay inequality since the financial crisis. A grassroots committee is calling for all adults in Switzerland to receive an unconditional income of 2,500 Swiss francs ($2,800) per month from the state, with the aim of providing a financial safety net for the population.

Under Swiss law, citizens can organize popular initiatives that allow the channeling of public anger into direct political action. The country usually holds several referenda a year. In March, Swiss voters backed some of the world's strictest controls on executive pay, forcing public companies to give shareholders a binding vote on compensation. A separate proposal to limit monthly executive pay to no more than what the company's lowest-paid staff earn in a year, the so-called 1:12 initiative, faces a popular vote on November 24.

I'm not entirely sure what to make of these. I reckong that if they tried the 1:12 thing over here then the lowest paid members of staff in some large organisations would end up being made redundant and replaced with contractors.
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>> No. 85259 Anonymous
17th March 2019
Sunday 9:18 am
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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.
>> No. 85261 Anonymous
17th March 2019
Sunday 12:04 pm
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>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.
>> No. 85262 Anonymous
17th March 2019
Sunday 3:01 pm
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I get the feeling you don't know how the supply of money is dictated.
>> No. 85263 Anonymous
17th March 2019
Sunday 4:10 pm
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>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.
>> No. 85264 Anonymous
17th March 2019
Sunday 5:23 pm
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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.

>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.


>> No. 4253 Anonymous
18th February 2019
Monday 6:32 pm
/mph/4253 Car and bike official weekend thread but also weekdays
Okay might as well try and be polite and keep the oil out of the other megathreads.

Welcome to the motor one. In an attempt to actually get people to post in it, tell me about the car you really want and could feasibly afford. Right now I'm really thinking a lot about a big square 80s Merc as we've been talking about them. Even a Lada would be fun as fuck.
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>> No. 4300 Anonymous
9th March 2019
Saturday 4:34 pm
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Or put in the neutral and rev the engine a bit. Which is silly just as well.
>> No. 4301 Anonymous
9th March 2019
Saturday 10:20 pm
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That grille forces me to see it as some sort of clandestine Lancia
>> No. 4302 Anonymous
10th March 2019
Sunday 9:18 pm
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@26:15 Fastest road legal car - Vauxhall Victor with a 2000hp V8. 0-60 in 1 second.
>> No. 4303 Anonymous
12th March 2019
Tuesday 11:45 am
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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.
>> No. 4304 Anonymous
17th March 2019
Sunday 12:30 pm
4304 spacer

This thing.
No idea how it got here.


>> No. 18574 Anonymous
13th March 2019
Wednesday 5:59 pm
/news/18574 spacer
>A passenger says she was left "shaking and upset" when she was told to cover up on a flight.

>Emily O'Connor said cabin crew told her what she was wearing - a crop top and high-waisted trousers - was "inappropriate" and "caused offence".

>She said the manager of the Birmingham to Tenerife flight and staff surrounded her, saying she must put a jacket on.


Also I'd like to know gs's resident I'll-shag-anything-lad on this.
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>> No. 18654 Anonymous
15th March 2019
Friday 9:40 pm
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Spreading your arse is a fantastic type of art, that guy's an idiot.
>> No. 18657 Anonymous
15th March 2019
Friday 9:44 pm
18657 spacer

Spot on.
>> No. 18700 Anonymous
16th March 2019
Saturday 5:36 pm
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> 'That is not a crop top, it's a BRA!'
And bugger with it, it's not like she has massive titties under it.
>> No. 18702 Anonymous
16th March 2019
Saturday 8:30 pm
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>> No. 18704 Anonymous
16th March 2019
Saturday 9:59 pm
18704 spacer
I must have missed that episode of the X-Files.


>> No. 62714 Billbob
14th March 2019
Thursday 7:56 pm
/iq/62714 spacer
There's a paedo about
Get him out
20 posts and 4 images omitted. Expand all images.
>> No. 62736 Samefag
16th March 2019
Saturday 7:40 pm
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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.
>> No. 62737 YubYub
16th March 2019
Saturday 8:25 pm
62737 Alison Whateley
Just exactly like this one, in fact. The manager of a kids nursery, was in the news last week.
>> No. 62738 Are Moaty
16th March 2019
Saturday 8:39 pm
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It just wouldn't be without reverting to woman bashing.
>> No. 62739 Moralfag
16th March 2019
Saturday 8:50 pm
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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.
>> No. 62740 Samefag
16th March 2019
Saturday 8:58 pm
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You seem to have given this some thought, paedolad.


>> No. 22746 Anonymous
13th March 2019
Wednesday 12:39 pm
/e/22746 ALL of the Halos are coming to PC

I'm genuinely chuffed about this. Playing Reach WITHOUT the awful frame drops and ugly motion blur is going to be heaven.

Unless they pack the release with micro transactions and I have to go on the kind of spree they don't give people medals for.
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>> No. 22756 Anonymous
14th March 2019
Thursday 6:43 pm
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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.
>> No. 22757 Anonymous
14th March 2019
Thursday 6:58 pm
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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.
>> No. 22758 Anonymous
14th March 2019
Thursday 7:07 pm
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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.
>> No. 22760 Anonymous
14th March 2019
Thursday 7:25 pm
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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.
>> No. 22761 Anonymous
16th March 2019
Saturday 5:10 pm
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> "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.


>> No. 84903 Anonymous
9th February 2019
Saturday 2:58 pm
/pol/84903 Turning Point UK
What do you lads think of this? Right wing youth movement, cringeworthy use of memes, roundly mocked by the left. My uni apparently has a chapter, but I've seen no evidence of it existing. Seems very pro-Israel, pro-free market, anti-Corbyn.
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>> No. 84913 Anonymous
9th February 2019
Saturday 5:51 pm
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>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.
>> No. 84915 Anonymous
9th February 2019
Saturday 6:09 pm
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I doubt they bothered to even google the name before they registered it.
>> No. 84917 Anonymous
10th February 2019
Sunday 2:30 pm
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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.
>> No. 85241 Anonymous
16th March 2019
Saturday 4:15 pm
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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.
>> No. 85243 Anonymous
16th March 2019
Saturday 4:34 pm
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But you knew that already.


>> No. 85229 Anonymous
15th March 2019
Friday 9:48 pm
/pol/85229 spacer
I'm yet to see a better solution to knife crime.
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>> No. 85230 Anonymous
15th March 2019
Friday 10:39 pm
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And quiet bat people to monitor them!
>> No. 85237 Anonymous
16th March 2019
Saturday 12:08 pm
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Spoken like a true ex-postie and fairly typical of the thinking we have come to expect from North Cornwall.


>> No. 425159 Anonymous
15th March 2019
Friday 12:53 am

May he have plenty of proper sex with girls in Heaven
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>> No. 425160 Anonymous
15th March 2019
Friday 9:12 am
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This is really scraping the barrel in terms of celebrity deaths.
>> No. 425161 Anonymous
15th March 2019
Friday 9:52 am
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>> No. 425173 Anonymous
16th March 2019
Saturday 9:41 am
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Don't lad me just coz use a sadlad.
>> No. 425174 Anonymous
16th March 2019
Saturday 9:46 am
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Don't lad the sadlad just because use a madlad.
>> No. 425177 Anonymous
16th March 2019
Saturday 11:53 am
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I'z a madlad but not a mad madlad, i didn't lad the sadlad, the sadlad lad me, lad.


>> No. 62702 Samefag
11th March 2019
Monday 7:12 pm
/iq/62702 spacer
If gravity is real then why hasn't the moon crashed into the earth yet?
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>> No. 62709 Paedofag
11th March 2019
Monday 9:56 pm
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I bet it's those fucking clangers. They're always up to shit.
>> No. 62711 Paedofag
11th March 2019
Monday 10:10 pm
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The Clangers.jpg
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.
>> No. 62712 Anonymous
11th March 2019
Monday 10:46 pm
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I think that's how Dead Space 3 ends, except monsters did it instead of gravity.
>> No. 62713 Crabkiller
13th March 2019
Wednesday 7:00 pm
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Deffo nothing dodgy going on on the Far Side of the Moon, lads
>> No. 62719 Paedofag
16th March 2019
Saturday 12:08 am
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>> No. 1795 Anonymous
27th May 2011
Friday 6:32 pm
/job/1795 spacer
ITT: Workplace annoyances.

I'll get the ball rolling - having to bring in pastries on your birthday. I know it's cheaper if people bring their own in on their birthday instead of chipping in every time someone in the office has a birthday, but it's still fucking annoying having to fork out on your birthday.
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>> No. 13064 Anonymous
8th March 2019
Friday 5:49 pm
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Is that you Prime Minister?
>> No. 13065 Anonymous
15th March 2019
Friday 5:38 pm
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"I don't shop around for the cheapest petrol because I always put a tenner in wherever I go."
>> No. 13066 Anonymous
15th March 2019
Friday 5:54 pm
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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.
>> No. 13067 Anonymous
15th March 2019
Friday 6:20 pm
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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.
>> No. 13068 Anonymous
15th March 2019
Friday 7:06 pm
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A 50% extra free offer sells better than a 1/3 discount. Most people are functionally innumerate.


>> No. 423594 Anonymous
15th January 2019
Tuesday 5:12 pm
/b/423594 Mid-week thread
New mid-week thread for the new year.

What is, or isn't happening in your life, .gs?
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>> No. 425137 Anonymous
13th March 2019
Wednesday 5:59 pm
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> 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.
>> No. 425151 Anonymous
14th March 2019
Thursday 5:35 pm
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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.
>> No. 425152 Anonymous
14th March 2019
Thursday 6:01 pm
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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.
>> No. 425156 Anonymous
14th March 2019
Thursday 10:46 pm
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Which seaside town?
>> No. 425158 Anonymous
15th March 2019
Friday 12:01 am
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>Which seaside town?


>> No. 5003 Anonymous
6th September 2011
Tuesday 6:40 pm
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>> No. 28211 Anonymous
7th January 2019
Monday 4:06 pm
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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.
>> No. 28347 Anonymous
10th February 2019
Sunday 8:35 am
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>> No. 28348 Anonymous
10th February 2019
Sunday 9:09 am
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Ugh. I forgot about that one.
>> No. 28349 Anonymous
10th February 2019
Sunday 1:46 pm
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That's a "mute" point.

Upsets me every time. Even had someone spell it that way recently.
>> No. 28419 Anonymous
14th March 2019
Thursday 9:15 pm
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"I personally think..."


D0OQi7rX4AEXg9s.jpg large.jpg
>> No. 22570 Anonymous
25th February 2019
Monday 12:41 pm
/v/22570 Nova Partridge
I am deeply apprehensive about this.

Maybe someone else has a more positive take.
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>> No. 22585 Anonymous
6th March 2019
Wednesday 7:04 pm
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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.
>> No. 22586 Anonymous
6th March 2019
Wednesday 7:07 pm
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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.
>> No. 22587 Anonymous
6th March 2019
Wednesday 7:38 pm
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Never change, .gs.
>> No. 22588 Anonymous
10th March 2019
Sunday 7:08 am
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C L E A V A G E.
>> No. 22589 Anonymous
13th March 2019
Wednesday 6:58 pm
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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


>> No. 424490 Anonymous
24th February 2019
Sunday 5:23 pm
/b/424490 Speed Dating
Any of the you lads tried speed dating before? Any tips or stories to share?

I'm thinking of giving it a go as I moved to London recently and haven't had much luck with meeting women through friends-of-friends. I must admit though, the thought of scorecards is a bit unsettling but maybe it's a sign of the more serious searching for a partner that I should be doing. Will give you an update if I find the bottle for it.
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>> No. 425111 Anonymous
12th March 2019
Tuesday 8:29 pm
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>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.
>> No. 425112 Anonymous
12th March 2019
Tuesday 8:39 pm
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I've been told to correct that my girlfriend is 8st 2, so "they don't think I'm anorexic"
>> No. 425113 Anonymous
12th March 2019
Tuesday 8:44 pm
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I'd imagine it's smellier with a hefty lass.
>> No. 425114 Anonymous
12th March 2019
Tuesday 9:30 pm
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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:
Don't wear a suit. You'll look like a dickhead and everyone will ask if you've just finished work.
>> No. 425138 Anonymous
13th March 2019
Wednesday 6:02 pm
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>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:


>> No. 27064 Anonymous
12th March 2019
Tuesday 11:55 pm
/g/27064 Working from home setup
Looking for a half-decent monitor to use at home once a week at most, the laptop i have has vga and usb-c ports.

Any recomendations?

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>> No. 27065 Anonymous
13th March 2019
Wednesday 1:02 am
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We use the Dell U3417W Ultra-wide 34 Inch curved monitors at work and they are brilliant. About £600.
>> No. 27066 Anonymous
13th March 2019
Wednesday 9:37 am
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That's one hell of a codex.
>> No. 27067 Anonymous
13th March 2019
Wednesday 1:17 pm
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That seems excessive for his needs.
>> No. 27068 Anonymous
13th March 2019
Wednesday 1:27 pm
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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.


>> No. 2259 Anonymous
29th August 2012
Wednesday 7:31 pm
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Anybody in Wakefield?
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>> No. 3480 Anonymous
12th March 2019
Tuesday 10:31 pm
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Congratulations lad, this is possibly one of the best necrobumps I have ever seen.
>> No. 3481 Anonymous
12th March 2019
Tuesday 10:48 pm
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fuck off ossett lad
>> No. 3482 Anonymous
13th March 2019
Wednesday 1:24 am
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N1 m8 don't know wot it me

Or at least I think it was me. I was definitely here in 2012.
>> No. 3483 Anonymous
13th March 2019
Wednesday 2:19 am
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>N1 m8 don't know wot it me
Maybe come back in 2025 and you'll find out.
>> No. 3484 Anonymous
13th March 2019
Wednesday 6:50 am
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Fortune Cookie in Dewsbury, but that's because it's hard to find somewhere round here that does decent tofu dishes.


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