mutt

active 2 weeks, 6 days ago
active 2 weeks, 6 days ago
  • mutt replied to the topic Drawdown Pensions. in the forum General Chat 2 weeks, 6 days ago

    The usual advice is to leave final salary pensions where they are, you can rarely do better elsewhere.

  • mutt posted a new activity comment 3 weeks, 6 days ago

    That’s because A* is the new A, and lots of people get them. Having said that, she’s only 1 grade out and if it’s technically possible for her to get A*s then she should be allowed to apply.

    • yes, I know A* is now the top, even so for her course the required grades are A*AA, so she’s not far away. And the school can’t prevent her applying. But the point I was making was that even at a very high performing state school they are discouraging one of their better students from thinking Oxford is for them. This means that for many subjects, courses at the next tier of universities are more oversubscribed than oxbridge.

  • mutt posted a new activity comment 3 weeks, 6 days ago

    To take the topic unnecessarily seriously;

    The populations aren’t the same. The applicants to Oxbridge are mostly 17/18 yo Brits, plus mature students and foreign students. I don’t think there’s an age restriction on ‘Love Island’ and there definitely isn’t a restriction based on your assumed grades. Naively it looks to me that, as a percentage of the base population, the application rate to Oxbridge may be far higher….

  • mutt replied to the topic Swollen Neck! in the forum Health 3 weeks, 6 days ago

    I had something similar but caused by a cyst on my sub-mandibular salivary gland: my neck would swell and then subside after meals. Then, after years of this, I eventually went to see my GP about it (I am a stereotypical “bloke” when it comes to illness – I will moan freely to friends but not seek any professional help until it’s too late). Over the course of the next year or so, I had an ultrasound, a barium contrast CT scan, and a biopsy; none of which determined whether or not it was malignant. In the end, they just went in and hacked it out; around 5-6 hours of surgery, going in through the neck and the floor of the mouth to remove a mass the size of a baseball!

    Unfortunately, the post-surgical care went a bit awry. To cut a long story short, I spent several months with…[Read more]

  • The people who want to take drugs are already taking them. I don’t think legalising some will make more people take them.
    I lost a family member to alcohol addiction, a very bright, talented person who turned into a violent monster with drink, who destroyed two marriages, alienated four children and put his mother through hell, as well as pee’ing every penny he ever made up against a wall.

  • It’s discriminatory if there is a single point where the price changes.

    Don’t forget that most shops work on a markup. So even if the material costs are a small element, those costs are at source and everything gets a %age added, not a fixed amount.

    Transport costs? If you can get 20 size 8 dresses in a box but only 10 size 16 dresses jna box then transport costs are doubled.

    The costs are more but most retailers swallow them. As pressure increases on prices then the retailers can’t afford to hide these costs.

  • Might be worth looking for something you can add additional ram yourself, I did this with my old sony Viao, and a couple of Mac’s not as hard as you might think and much cheaper than buying it in place, made a big difference to my Mac, when from 4GB up to 16.

  • That’s one reason why the government are slowly raising the lowest tax band. Someone on minimum wage working 37 hours a week really shouldn’t be paying any tax. It must cost more to administer and collect than it raises.

    Makes more sense to increase the basic rate by 1p and raise the lower threshold. Most people will still pay the same by the time it’s collected and given back.

    The last labour government really made a mess of it buying middle class votes.

  • mutt posted a new activity comment 4 months ago

    Would be a good phd study. Cost of subsidizing leisure centers more, building better cycle lanes, versus estimated cost of diabetes etc.. over the next 50 years.

    • dave replied 4 months ago

      I think we both have a very good idea how the sums would add up.

      I am aware that just building facilities is not enough in itself. They have to be well managed / marketed and you somehow have to reach a critical mass, but it is depressing how un-joined up the UK is. There are a lot of brand new schools in the UK from the Blair era. How many of them have good walking/cycling infrastructure.

    • dave replied 4 months ago

      One little snippet.

      In wales, council spending on sports/recreation was cut from £40 a person in 2010 to £26 a person in 2017.

      Current diabetes spending in Wales is estimated at around £500m (or £170 a person)

  • mutt posted a new activity comment 4 months ago

    I think Britain needs some exercise more than it needs to diet, there are also other benefits to exercise that simply eating less won’t give you.

    • dave replied 4 months ago

      Well I agree with you, but that could lead to awkward questions. The squeeze on council spending means that discretionary services like sports facilities and parks have been hit harder by austerity than pretty much anything else.

      • pete replied 4 months ago

        Not to mention the steady loss of school playing fields over the past couple of decades. There’s so much which needs to change in this country.

      • mutt replied 4 months ago

        Would be a good phd study. Cost of subsidizing leisure centers more, building better cycle lanes, versus estimated cost of diabetes etc.. over the next 50 years.

        • dave replied 4 months ago

          I think we both have a very good idea how the sums would add up.

          I am aware that just building facilities is not enough in itself. They have to be well managed / marketed and you somehow have to reach a critical mass, but it is depressing how un-joined up the UK is. There are a lot of brand new schools in the UK from the Blair era. How many of them have good walking/cycling infrastructure.

        • dave replied 4 months ago

          One little snippet.

          In wales, council spending on sports/recreation was cut from £40 a person in 2010 to £26 a person in 2017.

          Current diabetes spending in Wales is estimated at around £500m (or £170 a person)

  • mutt posted a new activity comment 4 months, 3 weeks ago

    Hmm, they are the 3 I’d recommend.

    In europe most of the wheat beer breweries will do a low alcohol version now. Most are pretty decent but hard to get here (think I’ve seen franziskaner)

    • There are now several websites that will import at low cost if you are buying at least 12 bottles.

  • mutt posted a new activity comment 4 months, 3 weeks ago

    Ah! That looks very likely.

    Thanks

    The Industrial South East! It seems to have peaked during the Napoleonic Wars when the heavily wooded areas we know today were completely stripped of trees to provide timber for shipbuilding, and charcoal for the furnaces that smelted the iron used in ships, gun and weapon manufacture. Some of Turner’s paintings of the Sussex give a glimpse of a bare almost desert like landscape covered by smelter furnaces.

  • mutt posted an update 4 months, 3 weeks ago

    In my area of Sussex there was a long history of iron extraction, and also marl dating right back to the Roman times and up to the Industrial Revolution. There is lots of evidence of these old pits and workings in the woods where they have not been disturbed by agriculture. This history is reflected in many place names particularly Marl Pit Woods, Furnace Lane, Furnace Woods etc.

    Yesterday I came across a new one – Ludpit Lane.

    Does anyone know what Lud is/was?

    Can’t find anything on Google.

    • Is there a possible link to this?

      https://en.wikipedia.org/wiki/Lud%27s_Church

    • Is the word a derivation of “lode”?

      • Ah! That looks very likely.

        Thanks

        The Industrial South East! It seems to have peaked during the Napoleonic Wars when the heavily wooded areas we know today were completely stripped of trees to provide timber for shipbuilding, and charcoal for the furnaces that smelted the iron used in ships, gun and weapon manufacture. Some of Turner’s paintings of the Sussex give a glimpse of a bare almost desert like landscape covered by smelter furnaces.

    • Lud is sometimes a derivation of Lludd or King Lud legendary founder of London and from which Ludsgate is derived.

      https://en.wikipedia.org/wiki/King_Lud

      Though as the area was concerned with the iron industry “lode” may be a better derivation

  • mutt posted a new activity comment 5 months ago

    Good post.

    I would also point out to the OP, who seems like a good guy and did the right thing, that people who feel they might have almost been killed (regardless of who might be to blame) are often a little shaken up and might not behave as you want them to.

    Well done for stopping to check on them and showing your concern though. I am sure they might think about it later when they have calmed down with less adrenaline pumping!

  • mutt posted a new activity comment 5 months ago

    A few other thoughts.

    Hang a bird feeder over the drive. Where birds will poop on the car.

    dump soil etc infront of car. When owner turns up apologise profusely for the error your gardener made. Hand them a shovel explaining that you have a bad back.

    Carefully remove the wing mirrors from your car and report them stolen to the police (do this before you do anything to a serial parker) once this has been logged you can remove the wing mirrors from the offending car. There will already be a police report that the same thing happened to you.

    Of course if you have a drive then getting a lock and chain in the first place and using it saves a lot of mither.

  • mutt replied to the topic Continuing headache in the forum Health 5 months ago

    Eye test is my first thought, when I’ve had persistent headaches I’ve needed new glasses.

    Hope it’s nothing serious.

    Oh and 1st January, she didn’t give up coffee as a New Years resolution did she? The headaches from that are terrible, but I don’t think they last this long.

  • mutt replied to the topic Non jobs in the forum General Chat 5 months, 1 week ago

    Thats the rather simple and childish view I had when I was 16 – Do you really believe that society should value a slum landlord in the same way it values a heart surgeon?

    @cam sounds to me like you have already internalised the view that manual/low skill is less valuable than the intellectual. Why add the subriquet ‘slum’ to the low skilled and respect the title of the intellectual? Lets just change that to the more positive nickname.

    “Do you really believe that society should value a social landlord in the same way it values a heart surgeon?” – well yes I think society should value them both as they are both contributing to health, welfare and so on.

    What you are really saying is what you don’t value is people who do particular jobs badly. Slum landlord or reckless heart…[Read more]