Forum Replies Created
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Trail Tales: Midges
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PemboFree Member
FieldMarshall – Member
Interestingly I used to suffer from really bad joints and took both cod liver oil and glucosamine without any noticeable effect. However all the inflammation went away when I stopped eating gluten.Same thing happened with me when I gave up gluten – food of the devil :-)
PemboFree MemberGreat part of the world motivforz – go for it.
Oh yeah, and you may not come back :wink:
PemboFree MemberAnybody else use Vortexbox? I’m currently ripping my CD collection in FLAC format so I have a Gold Copy using an old laptop that I’ve installed Vortexbox on. Very easy process, pop in a CD then Vortexbox downloads track information, cover art etc and ejects the CD when finished.
Also acts as a NAS and best of all is free.
PemboFree MemberYes, for 2 reasons:
1-Being diagnosed with a gluten intolerance has made a major improvement to my fitness now I’m off the gluten
2-Changing the stem length on my Cotic from 90mm to 60mm has made a huge difference to the handling and control.PemboFree MemberHoliday Inn Express on Oxford Road is pretty good and fairly central. You can jump the free shuttle bus from Oxford Road station to other parts of the city.
PemboFree MemberThe NHS budget. Its in there and
definedpaid for by the tax payers.Fixed that for you :wink:
PemboFree MemberRun that past me again TJ, the employer contributions come from where?
PemboFree MemberThe NHS scheme cannot be in surplus because it is not run like a private company scheme where the money is ring fenced and goes up and down with contributions, investment performance, pension payments etc.
With the NHS scheme employee contributions go into the central Treasury pot with income tax, VAT etc and pension payments to retired public sector workers come out of the same pot.
In theory the government would have to pay around 20% in employer pension contributions in addition to the employee contributions and this is the nub of the current argument. The government are saying they (we) cannot continue to provide this level of contribution.
PemboFree MemberStarted GF back in June and going back to hospital in January for tests to see if I can bo back on the gluten. The biggest problem when eating out is looking at the menu and crossing off all the things you can’t eat. Indian, Thai and Chinese are normally OK.
Japanese Soy Sauce is Gluten free and you can get all the info on the links posted above.
Warburtons have just come out with a new recipe for GF bread and it tastes great, much better than the Genius stuff but only found it in Morrisons so far.
PemboFree MemberBlimey, anjs must be an MP if he’s on a 1/35th scheme!
Why do people claim they have ‘frozen’ pensions when it’s usually not the case. If like trb you have some old Defined Contributions scheme you may be better off transferring them to a low-cost SIPP (do your own research etc etc).
Your invested money is not going to build up into a useful pot unless you put some effort into managing it.
PemboFree MemberJust seems like a lads bladder up across Canada with a 30 second guilt trip at the end of the episode saying he missed his family. Quebec looks a nice place though.
PemboFree MemberThats weasel words designed to appease lawyers – you need the rest of the context
As opposed to the weasel words in your last post which are the opinion of someone funded by 2 unions.
He also states when challenged in the blog comments:
“You’re right too – this is not the most outrageous example of tax avoidance ever. Far from it.”
PemboFree MemberThe Guardian got a few minor details wrong in the original story.
Yep, just a rounding error in the Guardian story as explained in the apology :roll:
“In these articles we reported that Tesco had created an elaborate off-shore corporate structure to avoid paying up to £1bn in UK corporation tax on profits from the sale of its UK properties, and that it had already successfully avoided corporation tax on the £500m profit it made from its first two property sales….
We now accept that these damaging allegations were unfounded and should not have been published. All profits generated by this sale and leaseback arrangement were earned by UK tax-resident companies and have been or will be included in Tesco’s UK tax returns.”Explain to me again how, in your words:
Via various schemes tesco has avoided a billion pounds in tax over ten years – thats enough to build two or three new district general hospitals
PemboFree MemberOh go on -have some more
Via various schemes tesco has avoided a billion pounds in tax over ten years – thats enough to build two or three new district general hospitals
yet in the link you posted it says:
“The retailer launched a libel and malicious falsehood action against the Guardian when the paper incorrectly said Tesco was avoiding up to £1bn corporation tax on those land deals. Tesco described it as “a devastating attack on its integrity and ethics”. The Guardian has already acknowledged its factual errors, has apologised, and has offered to do so again”.
Do you see what I mean?
You want some more? Here you go –
nullAnd here’s the information from the Guardian website you forgot to post :D
Tesco – an apology
Tesco has accepted a formal offer of apology by the Guardian in relation to the reports “Tesco’s £1bn tax avoiding plan – move to the Cayman Islands” and “Every little bit helps: tax free pot of gold at end of Tesco’s rainbow” (pages 1 and 27, February 27) and a related editorial and podcast. In these articles we reported that Tesco had created an elaborate off-shore corporate structure to avoid paying up to £1bn in UK corporation tax on profits from the sale of its UK properties, and that it had already successfully avoided corporation tax on the £500m profit it made from its first two property sales. We also suggested that this corporation tax avoidance was hypocritical, having regard to Tesco’s public stance on social responsibility, and that Tesco’s response to the charge had been evasive.
We now accept that these damaging allegations were unfounded and should not have been published. All profits generated by this sale and leaseback arrangement were earned by UK tax-resident companies and have been or will be included in Tesco’s UK tax returns. The use of Cayman Island companies in the scheme was for legitimate stamp duty savings purposes. We also accept that Tesco’s responses to the charges were truthful.
We regret that we did not publish the letter from Tesco’s tax adviser received on the day of publication of the original articles and accept that the correction published on May 3 was insufficient. We accept that Tesco was not hypocritical in its corporation tax planning of these transactions having regard to its public stance on social responsibility and has a legitimate interest in seeing the facts about its tax arrangements fairly and accurately reported. Furthermore, we accept that Tesco is a very significant taxpayer, having contributed over £1bn to the public purse for the year to February 2007. We are happy to put the record straight and apologise to Tesco. We have also agreed to pay a sum by way of damages to a charity of Tesco’s choice and a payment by way of costs.
PemboFree MemberThe amount of mis-information we get fed by TJ (and often happily lap up) scares me… if we took a little more time to work stuff out for ourselves we’d be a lot better off IMO.
Fixed that for you.
PemboFree MemberSaw an ambulance heading that way as I was leaving at 2:30, hope it wasn’t serious.
What was the course like? Now that Llandegla has a lot more jumping potential I’ve been thinking of doing the course myself.
PemboFree MemberIt was a bit of a dump but such a shame they couldn’t preserve the twin towers.
PemboFree MemberDoesn’t sound like the guy who owns the equestrian centre according to Mrs Pembo. Suggest you contact them tomorrow and find out if it was the owner and confirm you were riding inside the wood and not on the field.
He may have had some problems with people riding in the fields and jumped to the wrong conclusion.
PemboFree Member
Took my 3 year old grandson on his first ‘proper’ ride today around Delamere thanks to the bike hire guys at Tracs. Lot’s of stops for chocolate and he came back splattered in mud – fantastic day.PemboFree Member….even the birds were flying faster.
Reminds me of an Air Fungus flight from Manchester to Dublin a few years ago on a very windy day. After we landed the pilot told us we were travelling at 40 knots across the ground on our final approach. Nice cooked breakfasts back in those days though.
PemboFree MemberI once worked with a guy called Hugh Beaver – we used to call him Huge.
PemboFree MemberBumped into a guy in Moab last week who was a full-time RVer. He was sat on the tailgate of his pick-up truck in Arches National park ready to do some hiking out to a few of the arches. He lived in a 17ft caravan and knew all the pitches where you could camp for 14 days free of charge and basically followed the good weather around the USA living off his pension and a few small investments. His only complaint was the cost of petrol at $3.70 a gallon!
Shame we get such rubbish weather in this country to do something similar :(
PemboFree MemberI’m not qualified in any way to give advice but here goes:
401k – no idea, you need to get specialist advice.
If the Uni pension is final salary/defined benefits then stick with it.
Scottish Widows plan is probably performing poorly and charging high fees so a SIPP may be a better option. But some personal plans have guaranteed minimum returns like the 4% guarantee I have with Pearl, so again get some advice.
PemboFree MemberThey seem to be keen for it to transferred elsewhere as are currently offering an enhanced transfer out value.
And they are doing this because they are really nice people, yes?
My mum has just received an increased pension offer on her final salary pension if she foregoes any further RPI increase. She is 80 in March and if she lives beyond 83 she will then be out of pocket.
Most companies are trying it on in some way or other so be careful if you get any type of offer to change your pension provision – it usually means you will be out of pocket.
PemboFree MemberTeef – poor advice.
Index linked final salary scheme is much, much better than a low cost SIPP.
PemboFree MemberIf the final salary is index linked then why not keep it. £60 doesn’t buy you a lot but will help with the weekly food bill when you retire.
PemboFree MemberMore felling going on at Delamere this evening. Looks like they are thinning sections rather than wiping them out so in the long run we may get some more cheeky trails. Biggest problems are the dual gouge marks the sledge makes when it hauls the logs away and some fairly big branches still left around. The branches will get sorted easily enough but the regulars will probably have to chip in with some shovel work to take care of the gouge marks. Once the work has finished I’ll probably get a small folding shovel to use when I’m walking the dog – after all he is a rescue greyhound :-)
PemboFree MemberI’ve just used a pre-paid card from FairFx who seem to offer the best exchange rate http://www.fairfx.com/ and you can go online to check your balance.
You get the exchange rate based on the day you charge up the card so by the time you use the card the exchange rate may have moved for you or against you.
PemboFree MemberBizarre how the guy gets such bad press from his mail order operation but gives really good service when you go to the shop. Popped into the shop recently to ask about a replacement spring clip for a hope hub I bought over a year ago and they dug one out of the back of the shop and gave it to me.
Not saying the complaints aren’t valid, just find it odd how you can get the shop part right and the mail order part seems to have issues.
PemboFree MemberThankfully these events are very rare compared to the carnage that used to take place in the mining industry. Here’s how the situation was in 1937:
“In the Debate 10 days ago on the subject of mining the hon. Member for Spennymoor (Mr. Batey) reminded the House that in the last 11 years more than 11,000 men had lost their lives in the hidden depths of our coal mines. He also cited the figure of nearly 2,000,000 persons who have been the victims of notifiable accidents in that same period.”We sometimes mock the Health and Safety lot but generally they are doing the right thing. Sadly they can’t stop every tragedy.
PemboFree MemberDrivers with their windscreen washers set too high, especially when I’ve just washed my car.
PemboFree MemberSame experience as Mugboo, great for getting away from the family for a couple of half-days but struggling to see how they can provide an ‘expert’ tour. The video shows the walking trails from troodos square which are basically two flatish trails that circle the mountain with a short climb connecting the two, absolutely no downhill at all even though you are a few thousand feet up. The pictures from the gallery are all from around the walking trails.
There must be some great quality trails around that area and even the possibility of getting an uplift to Troodos square and a few thousand feet of good descending, you just need to find a good guide.
PemboFree MemberIT – specifically Business Intelligence (oxymoron?) Mad busy for the last 2 years.
PemboFree MemberDan1502 – Member
That combined with the closure of final salary pensions spells trouble and it’s scary how much you need to save to secure a half decent lifestyle.Spot on Dan, the difference between a final salary pension scheme and a money purchase scheme is massive. Age 51, I’ve got a combination of both through various jobs but still can’t see myself retiring before the normal retirement age. The problem is us oldies will stay in jobs for longer which will make it even more difficult for younger people to get jobs.
PemboFree MemberGreyhounds are not really suitable for long distance walks, or bike rides. We’ve had ours for 7 years now and he normally does an hour tops.
They do have the need for speed though and ours regularly takes himself off to the garden and sprints at full speed for about 3-4 minutes before coming back in the house and sleeping for another 4 hours.PemboFree MemberWhat does the Sales Manager say about his performance? Seems to me this is not your problem and you should cut him loose, stop giving him leads and give them to more capable sales folk. By giving him sales leads that don’t get converted you are hurting the whole business.
Edit: beat me to it DS