fernandopartridge
Well-Known Member
You should be able to get a refund on any unused rail ticket that is not an 'advanced' fare at any point up to the minute the train was due.
Do you want to discuss boring politics? (27 Viewers)
- Thread starter mrtrench
- Start date
SkyBlueMatt
Well-Known Member
Twitter logic, "I love dogs", "Oh, that must mean you hate cats".
It's not about pandering, or a contradiction. It's treating everyone the same and ensuring everyone has a fair crack. That whole argument that because you're LGBT, you're not able to support Gaza because Muslims don't like that. I don't think a child in Gaza that is blown to pieces by an Israeli bomb cares too much if someone is gay or trans.
If you can't separate that there is a human level, that's your own internal perception and beliefs.
As for the legalising of drugs, what they say is one thing and what they will be able to do is another. I don't think heroin should be legal but I do believe most others should be. At the absolute minimum, cannabis should be. The amount of police time/court time/etc is wasted due to a drug that causes less violence and drain on resources than alcohol. Better directed resources, additional funds from tax could go to cracking down on real crimes.
People are still going to have the same belief that 'Drugs are bad.... mmmkay' and that's good. The youth are moving away from Alcohol are not all of a sudden going to think, I'm going to get some smack.
fernandopartridge
Well-Known Member
It's one of those things that is not legislated but will be agreed upon by the ORR. Google found a thread here from a rail enthuisiasts / workers forum, the changes seem to have been communicated to staff working in ticket offices.
Forthcoming changes to National Rail Conditions of Travel
You are correct, their rationale says they are aligning themselves with other national operators such as DB who only allow refunds before tickets become valid to use. There's certainly a lot of fraud, but equally it is extremely bad to say to someone who's bought a 350 quid Anytime Return from...
www.railforums.co.uk
Grendel
Well-Known Member
Can’t make it up really
www.bbc.co.uk
Labour suspend Leeds mosque chair over alleged 'abhorrent views'
Arshad Khatana is suspended by Labour following claims made by Reform UK MP Robert Jenrick
www.bbc.co.uk
Ian1779
Well-Known Member
The leader of the Tories and Reform support a regime that is committing a genocide.Who was it who also asked why the greens are divisive
Just the deputy out protesting in favour of a regime that kills gays
Make it make sense.
skybluetony176
Well-Known Member
In case you’re not old enough to remember when Blair’s government hoodwinked the country into following the USA into Iraq Charles Kennedy was lambasted by the press for going on anti war demonstrations in much the same way Starmer currently is by elements of the press and opposition leaders for not getting involved past defence.
Ultimately Kennedy was proven to be on the right side of history and Blair is widely considered amongst the UK population of being a war criminal.
If and it’s a big if, if Starmer sticks to his guns in not too many years if not months on this at least Starmer will have been proven to be on the right side of history.
My fear is that Starmer doesn’t seem to have a backbone and bends to the right wing press and indeed the opposition and we’ll end up being culpable in an Iraq on steroids.
Ultimately Kennedy was proven to be on the right side of history and Blair is widely considered amongst the UK population of being a war criminal.
If and it’s a big if, if Starmer sticks to his guns in not too many years if not months on this at least Starmer will have been proven to be on the right side of history.
My fear is that Starmer doesn’t seem to have a backbone and bends to the right wing press and indeed the opposition and we’ll end up being culpable in an Iraq on steroids.
Nothing to do with right wing press, it will be more likely down to what pressure US puts on us and what other allies do.
I personally think we’ll only get involved if Iran drag us in. unfortunately that wouldn’t surprise me as they seem to be windmilling at the whole region so there’s going to be plenty catching strays
Captain Dart
Well-Known Member
Go by coach.
Sky_Blue_Dreamer
Well-Known Member
But Grendel said it was going to have no effect on people...
rob9872
Well-Known Member
Long term it will be fine as I'll be buying more units lower and I suppose if it escalates to WW3 then I don't have to worry about a few years ahead!
Sky_Blue_Dreamer
Well-Known Member
But the same could be said of any event. Eventually everything will even itself out. You could argue the Great Depression was fine long term as eventually everything improved.
Grendel
Well-Known Member
it won’t. I lost £120,000 in Covid and it came back
Sky_Blue_Dreamer
Well-Known Member
But what about those that will be retiring now and taking their pensions? Some can't afford to hold off talking it until it recovers. But hey, you were alright in the end so who cares, eh?
Grendel
Well-Known Member
It was when I retired - you literally are clueless about everything
Ccfcisparks
Well-Known Member
You dont work?
Grendel
Well-Known Member
Yes?
Ccfcisparks
Well-Known Member
Wow!
Grendel
Well-Known Member
Not really. I left work in 2019 and then the Covid crises hit and the stock market and pensions collapsed.
It has zero impact if you chose to have a final salary pension from your employer and even - as I did - I extracted the lump sum it was at the time worth around £900k - the losses are recovered over time and it doesn’t impact drawings.
it’s not difficult I’m sure for an accountant to understand
Ccfcisparks
Well-Known Member
Grendel
Well-Known Member
I run my own company? It’s possible to retire and then draw a pension and have another job?
Ccfcisparks
Well-Known Member
Wow!
Grendel
Well-Known Member
Why wow?
Nick
Administrator
Grendel
Well-Known Member
On pensions of course the real nonsense is you can’t actually withdraw all of it as it’s subjected to an obscene amount of tax. Even though you’ve been taxed all your working life.
Its main advantage was that if you died and children benefited was that the pension was free of IHT. Reeves makes this void next year but she’s so thick she doesn’t realise beneficiaries pay income tax so most will actually be losing 50% on death and then taxed a further 40% on any earnings left.
Sky_Blue_Dreamer
Well-Known Member
Not everyone is in your position. You have said you have a large pension pot and also have a company so have other income.
Some people won't have that. They will need to take the pension now. If it drops and they have to take the lump sum/annuity option then their future pension payouts will be based on the current lower pension figure. It doesn't matter if the situation improves in the future - they're tied into that agreement. Once again those with the least means are the ones that get the short stick because they don't have options.
It almost funny that you're being contrarian again, as you've often talked about how we can't do certain things because it will affect people's pensions, but now all of a sudden it seemingly doesn't matter as it all apparently works out in the long run.
Nick
Administrator
Don't accept drinks from your kids for a year.
Grendel
Well-Known Member
Can you explain what taking the pension now actually means?
SkyBlueCharlie9
Well-Known Member
Yes a bit selfish but understandable. What do you think about the decision to attack Iran with very little strategic planning?
Sky_Blue_Dreamer
Well-Known Member
For those on limited means and finishing work (thus removing their source of income), when they use the pension pot to buy an annuity. They can't afford to wait for the pot to recover, neither can they take the risk of having an unsecure return based on market fluctations. So they have to use the amount of money in the pot, at the time it is at a low point, to buy a more fixed, usually inflation adjusted, monthly payment. So those payments, and any tax free lump sum they take, will be smaller as they're having to cash in when the market is at a low point.
Of course, those entering that stage should be having it moved into less volatile instruments to minimise the risk, but that is not always the case and with employer pensions it is often just left to whatever the pension provider decides to invest it in.