The middle aged thread

My IFA was going to help but would charge £150 per pension to read all of the small print and ensure that no bonuses were lost or funds weren't transferred just before annual interest/dividend payments or similar, but they were simple enough to do all that research myself looking at the documents and statements.

Amazing lack of authorisation/confirmation. I never received anything from one provider to notify me that I'd requested to transfer the pension out, by the time I got an email to say "You have a secure message on your account" my login no longer worked so I couldn't read it. All of the fund values and transfer values checked out fine though.

I've asked about pension consolidation before, probably in the Investment thread or similar. There were probably some useful replies. I've not consolidated them.

I had a final salary pension for all of 14 months before getting made redundant.

I'm just trying to get one that has a very little in (was there for a year) , into my current pension, trying to get it down to 3!

I’ve got a shit one I tried to consolidate with a less shit one. Both with same provider. Gave up trying. Plan now is to cash out the littler one and spunk it on the woofers and the gee-gees for shits and giggles.

I consolidated mine, now I need to work out what being overseas means wrt them.

That makes a lot of sense then. I've done that already, had a couple where I was only in the job for about 18 months each time, and they've been folded into my current scheme.

My partner and I have always had a joint account, but, I have always managed all the DDs and SOs. We had the "when you die what am I going to do conversation last night. Now going to have a sit down with all the utility bills etc...

Blood pressure monitor ordered. Start meds tonight. What joy

Yeah, I just bought one to keep an eye on things before I get to a stage of needing meds

Hello Voltarol 👋

Does voltarol actually work?

Is doing the job on my shoulder blade I managed to fuck up by just sitting slumped on an unfamiliar office chair a bit wonky for a couple of hours. Been in pain for two days since

Naproxen pisses all over voltarol

How come if you put some on your hand and then run it into your achy shoulder, it doesn’t make your hands go numb?

How come swallowing the ibuprofen stops your headache

Not over the counter ;) oh there are better muscle relaxants....

Eh?

It works, even get it in tablets ;)

Never have a wank with a palm full of Voltarol, unless you have all night.

Edging, pro tips?

This! My GF has a prescription for this shit

Hopefully she has the stomache protecting meds like omrprazole or something like that.

Yes! That's it

Embracing the shower squeegee, because anything which makes cleaning quicker and easier is a good thin.