Seemingly trivial things that annoy you

First.Aspect

masjer said:

Sadly, George Clarke has separated from his wife. I guess they just needed their own space.

Brilliant.

pblakeney

rick_chasey said:

State pension is funded the same way unemployment benefit is.

I get there is a stigma about one and not the other hence people wanting to believe their pension isn’t a benefit but maybe the problem is the stigma?

It isn't a fund in the same way as a personal pension fund. Think of it as a current account that has 2 months worth as a reserve, constantly topped up and any surplus used else where. But there is a fund that pensions are paid from.
Can anyone be bothered to calculated how large a pension fund would have to be to be self sufficient? At a time when we are nearing £2T in debt.
I don't give a fig about stigma.

rick_chasey

So you’re saying the govt pays dole money and disability money out of a pension pot?

First.Aspect

rick_chasey said:

So you’re saying the govt pays dole money and disability money out of a pension pot?

No, I think we've now got to the point where everyone realises that it is just a ringfenced block of tax revenue and that it is spent almost entirely almost immediately. Hence, an independent Scotland would need to pay its own pensions and the combination of life expectancy, lower birth rates and the triple lock is going to make it next to unaffordable for the working population to support the retired population before long. Or something like that.

pblakeney

rick_chasey said:

So you’re saying the govt pays dole money and disability money out of a pension pot?

No. It pays it all out of the N.I. pot.
Not sure why it matters.

First.Aspect

pblakeney said:

rick_chasey said:

So you’re saying the govt pays dole money and disability money out of a pension pot?

No. It pays it all out of the N.I. pot.
Not sure why it matters.

You just want to be able to legitimately call it a pot don't you.

Okay then, you may refer to it as a pot. Like you bank current pot, and building society savings pot.

pblakeney

You could simply call it by it's official name instead.
"National Insurance Fund Investment Account".

For the record, this does not annoy me. I find it an amusing diversion.

First.Aspect

pblakeney said:

You could simply call it by it's official name instead.
"National Insurance Fund Investment Account".

For the record, this does not annoy me. I find it an amusing diversion.

Indeed. The word account is used.

I need to find something else to be annoyed about.

The weather is doing a good Jon right now.

pinno

Mad_Malx said:

lesfirth said:

First.Aspect said:

https://road.cc/content/feature/how-fit-side-pull-brakes-173127

Wft is a "side-pull brake"? I've been cycling for 30 years and I've never come across them.

In my youth ,many decades ago before mountain bikes existed ,everyone with a decent bike had the new Mafac " centre pull" brakes. Weinman tried to copy them. To differentiate them from the then traditional single pivot the term "side pull" evolved to describe the rest.

See also Pinno’s avatar - very cool-looking (but useless) Delta brake

Stunning. PITA to set up - very little cable clearance on the housing. Wish I had never sold them but with decent brake blocks, they were bearable.

surrey_commuter

pblakeney said:

rick_chasey said:

State pension is funded the same way unemployment benefit is.

I get there is a stigma about one and not the other hence people wanting to believe their pension isn’t a benefit but maybe the problem is the stigma?

It isn't a fund in the same way as a personal pension fund. Think of it as a current account that has 2 months worth as a reserve, constantly topped up and any surplus used else where. But there is a fund that pensions are paid from.
Can anyone be bothered to calculated how large a pension fund would have to be to be self sufficient? At a time when we are nearing £2T in debt.
I don't give a fig about stigma.

There are various ways of calculating it but to buy a pension of £9k pa would cost you about £300,000 at the age of 67.

If fully costed you would probably double the national debt. If you chucked in the unfounded public sector pensions you could add another trillion.

boris.tuffin75T_omHKwN

The mop left behind the toilet.
People who don't want to learn and find out something new.

pblakeney

surrey_commuter said:

pblakeney said:

rick_chasey said:

State pension is funded the same way unemployment benefit is.

I get there is a stigma about one and not the other hence people wanting to believe their pension isn’t a benefit but maybe the problem is the stigma?

It isn't a fund in the same way as a personal pension fund. Think of it as a current account that has 2 months worth as a reserve, constantly topped up and any surplus used else where. But there is a fund that pensions are paid from.
Can anyone be bothered to calculated how large a pension fund would have to be to be self sufficient? At a time when we are nearing £2T in debt.
I don't give a fig about stigma.

There are various ways of calculating it but to buy a pension of £9k pa would cost you about £300,000 at the age of 67.

If fully costed you would probably double the national debt. If you chucked in the unfounded public sector pensions you could add another trillion.

Which is why it is not funded in that manner and unrealistic to expect it to be so.

Pross

Random posting by new members to, presumably, get the post count up to access the classifieds is still annoying me.

briantrumpet

Pross said:

Random posting by new members to, presumably, get the post count up to access the classifieds is still annoying me.

Ah. Yes.

briantrumpet

And now there's another one. What's with all the random numbers & letters after the name bit?

surrey_commuter

pblakeney said:

surrey_commuter said:

pblakeney said:

rick_chasey said:

State pension is funded the same way unemployment benefit is.

I get there is a stigma about one and not the other hence people wanting to believe their pension isn’t a benefit but maybe the problem is the stigma?

It isn't a fund in the same way as a personal pension fund. Think of it as a current account that has 2 months worth as a reserve, constantly topped up and any surplus used else where. But there is a fund that pensions are paid from.
Can anyone be bothered to calculated how large a pension fund would have to be to be self sufficient? At a time when we are nearing £2T in debt.
I don't give a fig about stigma.

There are various ways of calculating it but to buy a pension of £9k pa would cost you about £300,000 at the age of 67.

If fully costed you would probably double the national debt. If you chucked in the unfounded public sector pensions you could add another trillion.

Which is why it is not funded in that manner and unrealistic to expect it to be so.

And that is why it is unfunded as people would have to pay in circa £400 a month to fully fund their benefit, yet people still argue it is an entitlement because they have paid in something.

If you buy missing years of NI contributions then you only have to live circa 6 years to breakeven, as the average person claims for 15 years you can see how underfunded it is.

Pross

briantrumpet said:

And now there's another one. What's with all the random numbers & letters after the name bit?

I think it's an automatically generated username, started doing it when the forum platform got a rejog

shirley_basso

It's when a new user creates an account using their google account

briantrumpet

shirley_basso said:

It's when a new user creates an account using their google account

Ah, OK. Random strings for random users.

orraloon

Been hanging about waiting for a call back from property legal firm after contacting them via their website plus email so they have the starter pack of info. Nowt happening. Phone them. Recorded voice saying 'we only take calls between nn and nn, please leave...'. Gordon Bennett, waste of time. ANO firm now messaged with relevant info. Will they bother?

TheBigBean

"Men, women and children"

thedirector135

That I can't cycle at 200+ watts for 90 minutes (yet). And those annoying water fairies that dance around in front of my eyes when I really, really try to. Little fekkers.

First.Aspect

thedirector135 said:

That I can't cycle at 200+ watts for 90 minutes (yet). And those annoying water fairies that dance around in front of my eyes when I really, really try to. Little fekkers.

Well if you can generate 100W and still go fast enough to keep up with a world tour race, I wouldn't worry too much.

masjer

Applauding sunsets. It seems to happen when people go on holiday.

monkimark

Can't say I've ever heard of that, I remember the crowds by the stone circle at Glastonbury applauding the sunrise but to be fair, it did feel like a genuine achievement making it through the night sometimes

TheBigBean

World book day.

Jezyboy

Not having one day off between the pandemic and WW3

veronese68

Pross said:

Random posting by new members to, presumably, get the post count up to access the classifieds is still annoying me.

I don't think they have to get the post count up to access the classified bits any more, seen loads of new posters just getting free advertising lately. I find that mildly irritating.

Pross

veronese68 said:

Pross said:

Random posting by new members to, presumably, get the post count up to access the classifieds is still annoying me.

I don't think they have to get the post count up to access the classified bits any more, seen loads of new posters advertising.

Really not sure what some of them are doing then, signing up and posting random comments on dormant threads.

veronese68

Pross said:

veronese68 said:

Pross said:

Random posting by new members to, presumably, get the post count up to access the classifieds is still annoying me.

I don't think they have to get the post count up to access the classified bits any more, seen loads of new posters advertising.

Really not sure what some of them are doing then, signing up and posting random comments on dormant threads.

Indeed, does seem odd. There's one guy that must be a bike shop, only has a handful of posts all advertising high end bikes.
They could at least contribute something useful.
Everyone knew Cycle Clinic ran a shop, but he was a wealth of information and was happy to contribute. Shame he's gone quiet. Don't think he ever used the classified sections either.