FourNinesFine

Your pension needs to suit your personal circumstances.
For example, I'm a contractor and I work through an umbrella company so I don't get an employer that pays their pension contributions. I choose to make a salary sacrifice which doesn't accrue any PAYE contributions or NICs. It also reduces the amount of PAYE and NICs on my remaining salary. The salary sacrifice portion is sent to my SIPP where I manage my own pension investments.
This suits my circumstances but it might not yours.

Removing the 1p coin would create absolute chaos in the retail industry. 
They'd have to start selling products for £20.00, instead of £19.99.  And there's no way I'm paying £20 for something I could have bought for £19.99 last week.  Bloody inflation.
 

Love it.

Dead-serious my friend. You are always safe with just Gold in one basket.

Thanks @Minimalist. That's certainly one of the things under consideration when I said, "Honestly, I don't even know if pension contributions are the correct vehicle. What's the benefit of a pension over any other form of investment?"
I assume your advice is dead-serious and not intended for levity. It's certainly one to ponder. But therein lies the 'eggs in one basket' issue - no?

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

Removing the 1p coin would create absolute chaos in the retail industry. 
They'd have to start selling products for £20.00, instead of £19.99.  And there's no way I'm paying £20 for something I could have bought for £19.99 last week.  Bloody inflation.
 

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I received my first forum purchase today, thanks to @entsor.
 
This one has helped keep 'Mrs FNF' happy as she thinks it's adorable!

 
I picked this up because I wanted at least one A.S.E. in the stack. It's surprised me just how much I like it 'in hand'. Wasn't expecting that reaction but it's a glorious thing.

 
And this a picture of the back. Which is a long-established numismatic word, defined officially as: "Pertaining to the opposing side of the front; often used by those who aren't sure of the correct application of the labels 'obverse' and 'reverse'.

I love a prospector , didn't realise Baird did rounds.  uh oh wallet 

The RM produced a few different rounds but, as far as i am aware, they were for the USA market and they carry a hefty premium. I can't think of a single UK supplier of minted silver rounds - plenty of poured stuff about though.

Well, I hate a bandwagon of any description... but I do not like the type 2. 
And it's more about the branch than the wing.

which design though, you may need to have two 😂

That looks amazing. I suppose I'll just have to have an actual Kit Kat instead.  Congrats!  👌

That looks amazing. I suppose I'll just have to have an actual Kit Kat instead.  Congrats!  👌