The Retirement Thread

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numbnuts

numbnuts

Squire
Location
Gone over the hill and far away
:tired:
 
PaulSB

PaulSB

Squire
Location
Chorley, Lancashire
Mo1959 said:
Lol. I used to like the Flintstones. Wish they would bring them back. To be honest I would rather watch them than all the incessant dancing, cooking and celeb type crap that's on tv these days!
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Oh it's awful isn't it. I've virtually given up on terrestrial TV. We've hardly watched ITV in years apart from Mrs P and Corrers. The Been is getting worse and if I have to watch one more episode of something involving large, hairy men and swords........I'd best stop this rant.

Most evenings I sit in the backroom reading the paper online, bit of Scrabble etc.
 
Mo1959

Mo1959

Legendary Member
Location
Perthshire,Scotland
PaulSB said:
Oh it's awful isn't it. I've virtually given up on terrestrial TV. We've hardly watched ITV in years apart from Mrs P and Corrers. The Been is getting worse and if I have to watch one more episode of something involving large, hairy men and swords........I'd best stop this rant.

Most evenings I sit in the backroom reading the paper online, bit of Scrabble etc.
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Call The Midwife starting on Sunday. Probably not your thing, but I enjoy it, especially being set in the era of my childhood. Brings back lots of memories.
 
PaulSB

PaulSB

Squire
Location
Chorley, Lancashire
Mo1959 said:
Where are you getting that rate? I had a look at 5 year fixed bonds and couldn't find anything above 2% that was risk free.
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We have an investment with the Pru which has been returning at least 4.5% for three years now. I'll dig out the details a bit later. I am very risk averse with my savings and feel very comfortable with this.

I do agree about the banks etc.
 
Mo1959

Mo1959

Legendary Member
Location
Perthshire,Scotland
PaulSB said:
We have an investment with the Pru which has been returning at least 4.5% for three years now. I'll dig out the details a bit later. I am very risk averse with my savings and feel very comfortable with this.

I do agree about the banks etc.
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Maybe you got it before the rates dropped so much. I had one several years ago with Saga that was around 4.5%. Nothing around now that I could find that was safe.
 
PaulSB

PaulSB

Squire
Location
Chorley, Lancashire
Mo1959 said:
Maybe you got it before the rates dropped so much. I had one several years ago with Saga that was around 4.5%. Nothing around now that I could find that was safe.
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I'll check it for you Mo. I put more in there in late November. I think it will be available.
 
PaulSB

PaulSB

Squire
Location
Chorley, Lancashire
Mo1959 said:
Where are you getting that rate? I had a look at 5 year fixed bonds and couldn't find anything above 2% that was risk free.
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Thought I had better check this while I remember. The investment we have with The Prudential is called the PruFund Investment Plan. This is actually a series of life policies BUT you can cash them at anytime without penalty. It's designed to be an investment not a life policy but that is the vehicle the Pru uses. I don't have sufficient knowledge to explain but Sarah, my FA, did tell me once. I've known her 20 years or so and she has only let me down once - she got my state pension date wrong!

I have two funds, one for my son with Downs - which I think shows the faith I have in this product - which returned 8.7% in the year ending December 2019****. The second is for my wife and I which in the period August 2017 - September 2019 returned 8.9%. From November 25th, the date I increased our investment, to yesterday it achieved 0.9%.

I track this monthly in a spreadsheet so I'm happy these numbers are accurate. I wish I had put more in a couple of years ago. Hope it helps Mo, obviously investment can go up or down....blah, blah....but this has shown growth every month since I opened it. As I said I am very risk averse, I would rather leave money in the bank achieving virtually zero than risk what I have, but I do believe in this.

EDIT **** sorry got that wrong 8.7% in the period December 2017 - 2019
 
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gavroche

gavroche

Getting old but not past it
Location
North Wales
Bonjour Mesdames, Mesdemoiselles et Messieurs. Windy today so about to take Molly round the Bryn hill ( about one hour walk) , then install the cadence sensor on my bike ( Christmas present from my wife) and hopefully link it to my Garmin Edge 820 :rolleyes: and that's about it for today. No cycling due to high winds. :sad: Have a good day everyone. :okay:
 
Dave7

Dave7

Legendary Member
Location
Cheshire
dave r said:
I haven't had one of those offers for years, the E-Mails stopped when I moved to Linux. :smile:
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Like you, not had one for years. I still get the FBI telling me they have recovered a suitcase with $XM in and with my name inside. Can I send my bank details etc.
Some weeks ago I started to get loads of emails from Holland (all in dutch anyway). Sometimes 10 per day. They have gradually faded away and I have had 3 days without any........I am starting to feel lonely and unloved:sad:
 
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