euan2020

point was not about Stewart - point was "just don't see how a player at 25 can suddenly become an international class striker" players at that age and beyond became internationals when at 25 they were in low level clubs - the discussion was around the age

i only needed 1 to prove the point - not 2 + he was working in a factory There is lots of examples - John Aldridge was still at Oxford @ 28 before LIverpool, and didnt debut for Ireland until 27 = @ 25 he was playing 3rd Division with Newport & Oxford Duncan Shearer was 29 before he came to a "Top TIier" Club and debut'd for Scotland @ 31 sure John McGinlay is in there for discussion as well - 25 he was at Elgin City and debut at 30

Jamie Vardy was still at Fleetwood Town at 25, which was Non League

Kind of makes you wonder how technology advanced so quickly after Rosswell

They were lucky it was only a 60 min game

Kenny Shiels will no doubt be all over twitter https://www.bbc.com/sport/football/61089471

about sum's up the quality - https://www.cbssports.com/soccer/news/a-dallas-fc-under-15-boys-squad-beat-the-u-s-womens-national-team-in-a-scrimmage/

doubt you can back that up - both sides on conflicts are guilty - USA in Vietnam/Iraq https://www.reuters.com/article/us-usa-iraq-soldier-suicide/u-s-soldier-convicted-of-iraq-rape-murders-found-hanged-in-prison-idUSBREA1I03V20140219 Russians apparently raped 2M in Germany in WW2 If you had said didnt think had been ordered to by their commanders then would agree some soldiers are a different breed, and have that additional aggression in them would be naive to think not happening - rape is about power and control

whats thsi kak also o with the BBC also always tagging non interest as highlighted articles (to most folk) stories about womens domestic/european/international games every few days - have to spend time scrolling past

i just bought a couple cases of 2006 Daftmill USA release to clean out the distributors warehouse Have quite a few Macallan Edition 2,3,4,5 this side as well

did you get all your bottles ? I bought a few more cases of 2006 in USA in November

i looked into it a little bit a year back and thought the bottling and tax made it a bit expensive, so it would have to be a good quality whisky to make it worthwhile - recall a few stories of people way overpaying on casks through brokers, and were not even sitting in warehouse of the distiller but elsewhere

down 20% since November, so back to around 70% growth since 2016 Kind of crazy times - I sold my 2019 Wrangler in December 21 for 10% more than i paid brand new in 2019 - sold to BMW

was there not something about a C7ovid hit squads being told they needed to play without reognised goalkeeper if necessary ? & Ian Wright says tournament should be respected ...... https://www.bbc.com/sport/africa/59924747

take Moderna - I have Pfizer - my US doctor said in his experience he is seeing less covid cases with Moderna - although both are offering protection - normally a 2nd moderna shot gives bad symptioms so should be good with 1st

sure you are - but are you old enough to remember Dailly started off as a striker at Utd when he was 16, and playing in 1st team ? o

football wise maybe - 38 Million of losses last 2 years, likely 50 last 3, and soft loans since he arrived

I just got new advisor to agree to 0.4% for AUM - they were looking for 0.6% at Xmas - I don't actually need them, but Platform i am using with product, refuses to allow me to be Professional Investor, and manage own fund - better than being forced to pay 1.1%, which would have been combination of AUM & Statutory reporting costs %

yes - keep DB pot - i was more discussing accessing it before befo6re 68 = there is reason they pay out more at that age, cos they are banking on your dieing so less exposure of payout

no surprises there

forgot to say - just my opinion but that is too late to draw down on defined benefits final salary - you never know tomorrow's health, and how healthy would you be at that age to enjoy the money - in addition average age of life is 82, and a lot of people pass earlier, so based on average age you are only getting 14 years out of it, and even then, when likely health may not be the most premium - one of the considerations i had on my final salary scheme was that i thought i could grow the money quicker than the inflationary matching increase - over 5 years this would have been around say 12% increase inflationary inside the defined benefits, and have grown that pot, i removed from final salary by 110% -sometimes you are better off getting the money early, and doing something with it

looking at my 5 year growth from July 16, with no additional contributions i am looking at 110% growth putting in context given other folks are mentioning pots - my main pot which i removed from employer scheme (+ my defined benefits pot) have grown from 196K to 410K in those 5 years - kind of waiting for some sort of crash again, but considering as lifetime pension with all equity even getting into my 60's & 70's, so never going conservative, and have 20-30 years to ride out peaks and troughs, maybe 40-50 years if consider wife is 15 years younger than me

https://www.ii.co.uk/ii-accounts/sipp/value-comparison

iii.co.uk are around 250 a quid a year in fee's for a SIPP -nothing beyond that other than your own choice of fund (ie Fundsmith, Scottish Mortgage Investment Trust & their own underlying management fees ) i think my old employer fund was around 0.3% or something like that that employer paid -

typically if you are no longer an employee, if you have legacy employer schemes, you no longer are entitled to the discounted management fees, + likely there are quarterly fees you are triplicating across all 3 funds + the 3 funds if employer are likely limited to a number of funds - ie I removed from my employer pension choice of 8 to open architecture where i have choice of 8,000 take a look at www.iii.co.uk, and consider if you want to consolidate pensions + I bet you don't review those pensions very often and move around + at your age should be going aggressive on equity - i'm a pedantic fecker - i look daily on my pension to see the trend on the individual funds, and even track quarterly the one's i exited to validate i made correct choice I've started looking 10-15 years down line, and the Total LIfetime Allowance of GBP 1 Million starts to get concerning if they keep freezing that.