Ali

active 1 week, 3 days ago
active 1 week, 3 days ago
  • Ali replied to the topic Drawdown Pensions. in the forum General Chat 3 weeks, 6 days ago

    Hi. My speciality is pensions and this kind of dilemma is my day to day job.

    Advice is compulsory with a CETV over £30k (CETV is the fund value the Scheme will offer you in lieu of the regular pension). Whatever any financial adviser states is the charge for advice, there is always room to get it reduced. For a start, mention you are seeing a few other advisers. Any opening fees should be reductible by about 15-25%.

    Moving can make sense but brings risk. Note: if you only afford to pay for advice (a good adviser will charge c £5k upwards) from the pension fund then you are in dodgy territory as the adviser will be depending on ‘suitability’ of a transfer to get paid.

  • How would I teach my child that drug taking is wrong if it’s legal?

    In the same way as you’d teach children other things that aren’t illegal are wrong – such as playing with knives, lying (or at least deception for personal gain), adultery, unkindness, selfishness, binge drinking and other self-harm, riding without a hat, not treating animals with respect, etc. etc.

  • Given the apparent success of Portugal’s drug decriminalisation (not legalisation) policy, maybe something similar should be tried here? In any case, I think drug use should be considered a public health issue rather than a criminal one.

  • What he gets up to in his spare time is not your company’s business.

    I would say that the immediate action is “case closed, do nothing”. The powder could be talc that was put on the capsule threads to stop them from binding, could be from a couple of paracetamol or aspirin tablets that he had kept in there, or could be traces of Monatomic Gold (Ormus).

    If your company has a strict “no drugs, including alcohol, on work premises”, then that policy must be communicated to people before they turn up. And if you have a policy, you need to know how to enforce it, so you need to know if you can legally search people’s bags when they arrive on-site, or ask for permission to search and turn away anybody who refuses to comply.

    In fact, the above is true for every policy: publish and…[Read more]

  • Ali replied to the topic BT Broadband Scam? in the forum General Chat 2 months ago

    agree, there are so many factors that affect speed it would be impossible to specify an exact speed without going onsite to the customer first and running the relevant tests. two houses side by side could have massively different speeds simply due to the internal wiring set up alone.

  • Ali replied to the topic What are schools for? in the forum General Chat 2 months, 1 week ago

    Some parents now expect school to be the place where their children learn to speak, eat properly and toilet themselves.
    I think schools are now so busy having to introduce the most basic of skills that teachers have very little time for what we construe as ‘education’.

  • Is it fair that people are charged more to travel ‘when they have to’ in order to get to their job (i.e. peak fares)

  • I think this is rubbish, honestly simplistic. Are you digging deep for excuses of why the tories are still in government?

    A vote for a minority party is democracy, you should be thankful you have the choice and if enough people vote that way then things may eventually change. To say a vote for greens is a vote for Tories is bonkers, it is counted and recorded as a vote for greens.

    Our system is far from perfect and I voted for change for many years, but it is what it is, no vote is wasted. Do you not appreciate that every single vote for whatever party is logged, noted, analysed, put on spread sheets and graphs. Possibly by the Russians, but somebody cares about every vote.

  • Ali replied to the topic New PC – any suggestions? in the forum General Chat 3 months ago

    Dell no question. No bloat wear and good value, look at business models (non glossy screen) intel i5 processor 8 or 16 MB ram Ssd drive and Windows 10. Should get what you need for £500

  • Not quite right. It affects your pension if you haven’t paid 35 years worth of payments.

  • Ali posted a new activity comment 3 months, 1 week ago

    Well the thread is “are politicians lying to us ?”

    I say generally not. They are doing their best based on their beliefs. Everybody wants to spend more on public services. Some believe that if we spend more, we will reduce our ability to spend in the future.

  • Ali posted a new activity comment 3 months, 1 week ago

    The borrowing is there already. We are hoping to reduce it.

    You may be right about tax increases. However there is an optimum level of tax for best productivity and eventual tax revenue. Obviously if tax was zero then there would be no tax revenue. But if everything went in tax then nobody would bother to earn, and the result would be the same. So the level of taxation tends to be set by opinions on this, rather than required expenditure, which is more likely to be a matter of taking away from somewhere else. I’m glad I’m not in government.

  • Ali posted a new activity comment 3 months, 1 week ago

    I suggest you are not disagreeing with me. But you think the government should have set the proportions of spending on different things, verses the borrowing that would be required, differently. Which I have not commented on.

  • Ali posted a new activity comment 3 months, 1 week ago

    “No amount efficiency will improve a service” Any extra efficiency will improve a service.

    We all get lazy if there’s no consequences. Not so much about making people work harder. Administration needs to be aggressively evaluating the whole operation and evolving. If you run a business you do this to survive. Without someone constantly worrying about everything, it quickly goes very wrong. It’s not about “We did that last year, there’s no more improvements to be found” Things change all the time.

  • Ali posted a new activity comment 3 months, 1 week ago

    “You get the public services that you pay for.”

    Most certainly not.

    Anyone selling anything puts the price up if they can, and does less for the money if they can. Hard to stop for monopolies, and more so for public services. There has to be a constant war on waste and inefficiency, since those to blame do not lose directly from it. (Also a problem with big business.) Relying on people doing the right thing is doomed to failure. It’s easy to just keep paying more year on year for the same services.

    • No amount efficiency will improve a service that wasn’t funded sufficiently in the first place and then given extra tasks. You can lean, time and motion, etc.. all you like, but sometimes you just need more resources to get a job done. That is what costs and must be paid for.

    • “No amount efficiency will improve a service” Any extra efficiency will improve a service.

      We all get lazy if there’s no consequences. Not so much about making people work harder. Administration needs to be aggressively evaluating the whole operation and evolving. If you run a business you do this to survive. Without someone constantly worrying about everything, it quickly goes very wrong. It’s not about “We did that last year, there’s no more improvements to be found” Things change all the time.

    • I’m self employed plus a partner in another and yes efficiency matters. But there comes a point where you also need to invest to improve things, be it in people, training or assets. None of this is free and often can’t simply be funded by small efficiency savings elsewhere. That doesn’t mean you don’t evaluate what you do, how you do it and why from time to time.

    • I suggest you are not disagreeing with me. But you think the government should have set the proportions of spending on different things, verses the borrowing that would be required, differently. Which I have not commented on.

    • No, I think people get the services they pay for, at the moment people expect the uk’s public services, police, NHS, education etc to be world class, whilst paying ever decreasing amounts of tax. If people expect better, they should consider the notion that these things need more funding. Borrowing to fund the annual costs of services is madness, there is essentially no return on the spending and it becomes a debt spiral. They should be funded through small progressive tax rises.

    • The borrowing is there already. We are hoping to reduce it.

      You may be right about tax increases. However there is an optimum level of tax for best productivity and eventual tax revenue. Obviously if tax was zero then there would be no tax revenue. But if everything went in tax then nobody would bother to earn, and the result would be the same. So the level of taxation tends to be set by opinions on this, rather than required expenditure, which is more likely to be a matter of taking away from somewhere else. I’m glad I’m not in government.

    • Or tax for decades has been the tool to buy votes with short termist policies. While the costs of all public services has increased. Tax can increase to a point where people still value it. Having the funds for material products versus same day doctor access, better education, better care in old age, feeling safe on the streets. ..

  • My advice to you would be to never ever buy any fire extinguishers or any fire safety items from ebay or amazon! There are so many fake on those sites. Even though they maybe cheap and even look like the genuine things they will not be the same and will fail fire safety tests. I have a friend who bought a fire blanket from amazon when he tried extinguishing a chip pan fire with the blanket it didn’t work and it burnt both of his arms quite badly.

  • Ali posted a new activity comment 3 months, 2 weeks ago

    Russel Kane’s irreverent take on the sugar tax (it’s a little bit sweary)…

    I’m not totally sure what his point is but it made me chortle!

  • Ali posted a new activity comment 3 months, 3 weeks ago

    You could try a back support belt. Keeping the area warm would also be of benefit.

    Could it be that you have a minor disk slippage that is causing part of the nerve to be trapped?

  • Ali posted a new activity comment 3 months, 3 weeks ago

    Do you know what brought on your heel pain? When I got really nasty heel pain it was because I over did it and didn’t stretch properly when I went out running once. Maybe you need better support in your shoes.

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