The Retirement Thread

[Dirk]

Morning all

Yay - it's Fish Friday again!
Meeting up with the valeter at my caravan storage yard at 10.30am.
Hoping he does a decent job and we'll have a sparkly van to go away with on Monday.

 

[Tenkaykev]

Good day..........6⁰, grey and still, a bit uninspiring really.

Hmmm.........well not a great deal to say. I'm riding at 9.00 which will be good once I get on the bike. Momentum is building in the club for gravel rides and today's ride is a good chance to discuss this.

Enthusiasm levels seem to be dipping. Having a lot to do is the key. Beginning of the week I could see loads of stuff which needed doing. It's all been done.

I have to submit a tax self-assessment. It shouldn't be necessary but the investment company I took a drawdown from deducted tax which it shouldn't. My FA undertook to sort out the tax situation, HMRC underpaid and my FA is no longer responding to email.

For years I held a deep suspicion of FAs and similar occupations. Slowly my FA built my confidence but her increasing failure in recent months to address minor issues has significantly damaged that trust. This coincides with a large expansion in the company. A number of queries to different people in the business remain unanswered. Nothing earth-shattering but important to me.

It takes years to build a reputation and days to lose it. I think I'm going to have to tell her this. Something I am loathe to do.

I have a small private pension that I invested in a SIPP. I put 75% into investment trusts and kept 25% in cash. I transfer part of my tax allowance ( Marriage Allowance, £1250) to Mrs Tenkaykev as her NHS and state Pension take her over the tax income threshold and by using my allowance she pays £250 less tax , whereas my State Pension is well below my annual tax allowance. This year I have £1012 of my tax allowance left so I’ll withdraw that as cash next week. As it’s early in the tax year they will take 20% tax which I will have to reclaim. It’s easy to do online and in a few weeks time I will get a tax rebate.
If I didn’t fill in the online form I’d have to wait until the next financial year for the tax office to recalculate and send me a cheque.

 

[welsh dragon]

Morning. Dry here now, but we had rain about an hour ago so it's damp outside.

Stay safe folks.

 

[Dave7]

LED bulb question.
(I have put this on the main section).
I need to replace 3 standard bulbs and understand that 100 watt = 10 LED. The old 100 watt are not bright enough (big rooms) so I am thinking 15 watt LED ???

I also want to replace 4 small screw fit 6.5 watt BUT can't find an LED equivalent......again I want brighter so 1 watt LED ???
Any thoughts.

 

[Tenkaykev]

LED bulb question.
(I have put this on the main section).
I need to replace 3 standard bulbs and understand that 100 watt = 10 LED. The old 100 watt are not bright enough (big rooms) so I am thinking 15 watt LED ???

I also want to replace 4 small screw fit 6.5 watt BUT can't find an LED equivalent......again I want brighter so 1 watt LED ???
Any thoughts.

Have a look here, you can choose by fitting ( bayonet, SES etc ) and it gives the wattage equivalent.
all of mine are “ daylight” as I find “ warm white “ too orange for my tastes, but that’s a personal thing.
Good prices and returns policy.

https://www.screwfix.com/c/electrical-lighting/light-bulbs/cat8350001

 

[Dave7]

@dave r I got your comment and responded....thanks.

 

[Mo1959]

Morning. Chilly but lovely.

I had a looooooong walk

 

[Mo1959]

I have risen!

How did things go at the docs yesterday?

 

[gavroche]

Morning. Chilly but lovely.

I had a looooooong walk


View attachment 583007

And you have very long legs too. 😊

 

[oldwheels]

Got wakened by the gritting lorry going past about 5 o'clock this morning. Sharp frost after yesterday's rain could make the roads a bit dodgy.
Got confused as usual and put more on Mundane stuff this morning. Must get more sleep.

 

[Drago]

Not feeling Brill. The medication theyve put me on has just wiped me out. Somehow managed my morning workout, but really struggled with the dog walk. Very uncomfortable too at the moment, so a day o the sofa with a blanket and a book beckons.

 

[gavroche]

Bonjour les retraites. Nice surprise last night. One year ago, I lent one of my grandson £30 and he came round to pay me back last night. I wonder if he also went round to his own father but he owes him more than £30 though.
I also got an invite for tea tonight from my stepson. That will save me having to wonder what to cook tonight as there is no incentive to cook just for one. Although I resent the long drive to pothole county, I do miss my wife though and look forward to being with her again.
My daughter told me last night that she is going to Cardiff on Monday for a test and interview on Tuesday to be a train driver. I hope it goes well for her.
Nasty weather here again today so no bike ride on the horizon.

 

[GM]

Morning. Chilly but lovely.

I had a looooooong walk


View attachment 583007

That's a brilliant photo Mo!

A day of tidying the garden as its green bin day tomorrow.

Had our first Ocado delivery yesterday evening. I got an email from them the other week offering me a delivery slot, so I them up on the offer, very impressed with their service so I'll be using them again.

 

[Dave7]

The mystery of the stolen green bin sticker!!!!!
I phoned the council to see about a replacement sticker.
Turns out the council had sent word to the collection team that I had cancelled it .
He checked his records and it shows we paid and not cancelled.
They are sending a replacement

 

[Paulus]

The mystery of the stolen green bin sticker!!!!!
I phoned the council to see about a replacement sticker.
Turns out the council had sent word to the collection team that I had cancelled it .
He checked his records and it shows we paid and not cancelled.
They are sending a replacement

So someone from the council removed it. Did you give them permission to come onto your property to do so?