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Community Forums / The Lounge / Re: Game of Thrones thread with US paced TV spoilers
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on: August 04, 2017, 11:10:32 AM
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3x dragons, although Dany is mother they can attach to any Targaryens... so John Snow to be dragon rider at some point and have a dragon.
Dany to have a dragon obv.
Tyrion to be the mad kings kid (hence why his dad hated him) and get the 3rd dragon.
Dany to return over the seas with dragon and un-sullied to be Queen / Khalessi
John to rule the 7 kingdoms / Iron throne.
Tyrion and dragon return to old world with Jamie to make their own empire.
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105
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Community Forums / The Lounge / Re: For all you younguns out there
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on: January 19, 2017, 01:57:23 PM
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They are also changing the age at which you can claim any of your pensions so you have to ask yourself when do you want to stop working?
Currently you can take you pension at 55 as a minimum, this is going to change to 10 years before your state pension date. That for a lot of people is going to be 68 meaning you cant access your own pensions until 58. How many of you want to retire at 60? I'd imagine a high amount of builders etc would like to retire as early as possible, to do this you need a income for those 8 yrs until the state pension kicks in.
People say about paying mortgage of as early as possible but why? if you're paying 2% for a mortgage and can get 10% on a investment / pension why are'nt you plowing as much possible into that and keep the mortgage for as long as possible.
People also say they are going to use their Residential home as a pension, look at the facts how long is that going to last ... ?
Say your property is worth £300k is 3 bed semi detached in a nice area, you've lived here 20 yrs ad loved it.
Are you going to want to move out of that area? Most likely no, you know he area you like it, your friends are there so you'll probably stay in the area.
You had a nice house so now you want to downsize and get a smaller flat, say 2 bed, that's still going to cost you £175 -200k.
After fee's you've got £120k max. Now you spend a little, help kids out, go on holiday and replace the car. You've now got £80k left and you're 68. You now have £80k to last you on average 15 yrs giving you £5k per year without growth. Is this enough for you to live on?
I know what i'd prefer to do, stick what you can away whilst staying at folks house rather than blowing it. Put what I can away whilst getting on the property ladder and then push as hard as possible in my later years.
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