Frank Hovis

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About Frank Hovis

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    Cheers and gone, it's been fun :-)

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    Dumnonia

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  1. Time was people were banned for trying to encourage others to join a rival forum, now posters seem to be viewed as an unwanted irritation. How things change. I have no intention of abandoning OT any time soon, but if I do it will be for PistonHeads as, like HPC, I have an interest in the core subject matter from which one can then go Off Topic.
  2. Wow. I thought I'd just been unlucky, I didn't realise that it was standard practice.
  3. Apologies to EssKay if I am incorrectly pointing the finger at them but they posted in the London terrorist with the usual combined criticism / control of the forum post as is traditionally the province of Mortgage Bitch and Spinwheel. I suggested that anybody on the forum purely for such negative purposes should be banned though I didn't report the post. I may have inadvertently given them ideas so they reported the while thread and mods deleted it based on the whinge of somebody who would rather the forum didn't exist, but still posts on it for reasons best known to themselves.
  4. Yes, it's the equalised pensions being proposed to now start at 70 if you're currently under 30.
  5. From the people I've known that do it private practice is the number one most depressing occupation for accountants, even worse than audit. Working alone all day, chasing work, chasing bills. It doesn't sound fun.
  6. There will be various benefits paid out of course. I wouldn't however underestimate the momentum behind welfare reform. This may be long overdue but its underlying aim of always making it better to be working is bringing in real positive change. It's all means tested though. I had a twinge of envy when a friend (similar age, similar earning history) lost her job and was immediately able to claim Housing Benefit. I thought "free money" but to get that she must have no savings and probably debts. That twinge of envy evaporated.
  7. Although, prior to the rise of the divorce jackpot, the typical retiring couple would see the woman being a few years younger than the man so it sort of made sense. Though the same age is right IMO.
  8. Do you have a cunning plan?
  9. Yep: 67 for everyone and stop. Though I have sympathy for the WASPI campaign as, whilst it was entirely fair to set women's pension age at the same level as men's, it was beholden upon the government to tell these women rather than let them find out in their late fifties.
  10. I'm already regarded as a semi-boomer because I was one of the last to receive a grant to go to university rather than having to take out a massive loan. Now I will be granted the privilege of being able to retire at 67 whilst this is being funded by younger people who will have to work to 70 to get the same. It doesn't sit right with me. I'm now going to get benefits (state pension 67 - 70) which are being denied to those whose taxes will be funding it. That's wrong.
  11. Talk about drawing up the ladder. Under 45 now? 68 Under 30 now? 70 http://www.bbc.co.uk/news/business-39352654 Enough now, just stop it and have some regard for fairness. If it is purely a cost issue then give a slightly lower pension to everyone.
  12. That's brilliant, not heard of that before.
  13. If you can get a cheap flight the US can be great value. Hire the base car (with the flight, much cheaper, I use Dial a Flight for this and the flight), pick up the discount book at the state line visitor centre on the interstate to get a coupon room (usually twenty dollars off), eat at diners. It's very cheap if you do it this way and you can go wherever takes your fancy, beach for a couple of days, mountains or cities: the choice is yours. I only ever pay full price for one hotel room: the first night one as you need this for an initial address.
  14. I went on French Exchange and the house was over WWI trenches, wander round and pick up a handful of cordite, shove into a cigar tube and light. Then try and avoid the red hot flying rocket with flames pouring out of it.
  15. Instruct it to be used to buy some land such as a woodland to be kept in its natural state in perpuity.