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Pension Advert.

Discussion in 'Get it off your chest' started by RedKen, Aug 11, 2019.

  1. john79

    john79 Keyboard Hero

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    I don't pay into a pension fund ( my father advised me not to) instead im plowing my spare cash into my mortgage and will be debt free by the time im 45...I plan to retire when im 55 at the latest :)
     
    Wing Commander likes this.
  2. RedKen

    RedKen Me head's a shed.

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    £220 a month council tax? Where do you live, Edinburgh Castle? Heating /leckie £160 a month? All lights on all day and heating on full bore? Swimming pool to heat. Also notice cars (plural). Need somewhere to land the helicopter as well. Got to admit I'd struggle on £168 with that lot to pay out. Then again, I'm normal and don't have outgoings remotely approaching that. ;)
     
    Agger likes this.
  3. Ashley keylock

    Ashley keylock Ashley keylock

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    I live in a Bugalow, on its own surrounded by 600 acres that the boss owns.
    He pays all my bills, council tax, water rates, landline, heating oil, a truck to go around the estate with, fuel for the truck, and mobile phone.
    Also get £450 a week wages.
    I’ve been doing this job 18 months now and absolutely love it.
    Job is mowing, fox control, mole catching, help with the horses and generally managing the place while they are abroad.
    Also all the shooting and fishing I want.
    I’m 56 now and I know I’ll never finish and will die here
     
    HWChris, Readie and Hans Free like this.
  4. Hans Free

    Hans Free Donator

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    My council tax is £183 a month a weeks state pension money doesn't cover that
     
  5. RedKen

    RedKen Me head's a shed.

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    Mines half that. Also, if your only income was SP, you would get rebate on that wouldn't you?
     
  6. Strathrpc

    Strathrpc Posting Addict

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    Modest band E 4-bed detached house in the Highlands, council tax calc includes waste/water charges. Heating is oil (no mains gas) cars are 4x4 Rav4 (2012), 2014 Yaris and 1993 fun car.
    I'm lucky, I worked hard, paid into my pensions and am now reaping the benefits without having to scrimp or choose between "eat" or "heat"!
    I would advice people to pay as much into your pension funds as you can afford. The govt gives you at least 20% on every pound you pay in.
     
    Hans Free likes this.
  7. RedKen

    RedKen Me head's a shed.

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    Hey, I'm in no way criticising you Strath. Power to your elbow mate. I've always maintained you get out of life what you put into it. My rates are less, band B, because it's only a 2 bed semi. That means it's cheaper to run as well. Round here a 4 bed detached is not regarded as modest. :)
     
    JamieB57 and Agger like this.
  8. Strathrpc

    Strathrpc Posting Addict

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    I have 2 bed semi I let out in Inverness for just over £700 /month, that's the pension gone just for rent! Have to use the wife's pension to live on.(assuming you have a wife/partner) otherwise snookered.
     
  9. shergar

    shergar Busy Member

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    Retirement is no longer mandatory. Working beyond state pension age I consider myself fortunate.
    40 years of work need not be followed by a 30 year life of idleness when fitness and skill allows work to continue.
    Our society is not perfect but the dread of poverty and infirmity is elevated by a state pension and NHS. The support which, through illness and infirmity is required by many, relies on those blessed with good health to be productive.
     
  10. Strathrpc

    Strathrpc Posting Addict

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    Yup, I've retired twice & I'm still doing 2-3 days a week.(but I don't HAVE to!)
     
  11. shergar

    shergar Busy Member

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    There's a story of a bricklayer who, out of work, signed on the brew and was given £35/week to live on. Things picked up in the building trade, he was constantly in work but only declared a taxable income of £35/week. Tax inspector challenged his tax return saying he couldn't live on £35/week. Bricklayer said he would have thought the same but learnt how to do it when he was on the brew. Didn't see no reason to change his lifestyle.
     
  12. Patrick

    Patrick Donator

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    You hope but circumstances beyond your control or that of your employer may dictate otherwise.
    Health for instance you may be fit and healthy now thankfully but what in the near future you health deteriorates and you're unable to do your job will your boss still employ you or allow you to live in the bungalow, i very much doubt it.
    You may be as fit as a butcher's dog now but as you get older things can change very rapidly sometimes.
    Despite everything in the garden being rosy at the moment i trust your making contingency plans should the worst happen although i sincerely hope it won't.
     
    JamieB57 likes this.
  13. Strathrpc

    Strathrpc Posting Addict

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    Our local estate had a similar policy but that all changed when the estate was sold! A few people were suddenly looking for council houses. Never trust the xxxxxx.
     
  14. Patrick

    Patrick Donator

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    If you're not paying into a pension scheme and you plan to retire at 55 what are you going to live on as you won't be able to draw you state pension until normal retirement date which i believe is now 67. Making sure your mortgage is paid off by the time you retire or even sooner is a wise move as one never knows how ones health will be.
    Even with no mortgage you will still have all the other normal expenses i.e council tax,energy bills,water rates,house insurance,phone bill, food etc. you will need a steady income to pay for all those and depending on your circumstances and life style you might struggle to that and even with just the state pension it will be a struggle and that's when you're old enough(67 at present ?) to draw it.
     
    john79 likes this.
  15. Patrick

    Patrick Donator

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    Yep tied accommodation may be fine in the short term or when you're young but it's not something i'd want to rely on in later years unless i had no choice i.e that or be homeless. As you say even if you have assurances or guarantees about your tenancy that can change or cease if the estate is sold. If you're single person in reasonably good health and the worst happens and you have to vacate your accommodation it won't be much use relying on the local council to home/house you as a fit single person comes very low down on their housing list if on it all.
     
  16. DUNKS

    DUNKS Keyboard Hero

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    Last copper I spoke to on a caravan site was coining it in. Just retired after 30 years service. Got his generous handshake plus full pension. Then offered his old job back as a civilian and guess what, a civilian doing whatever job it was gets paid more than he did.
    We do live on the state pension and not much more, we don't drink or eat out. We made sure everything we had was paid for before retirement with a bit in the bank. I consider we live a full and happy life. Depends entirely on your life style. Todays seems to include spend spend spend. Going to be lots of very unhappy retirees methinks.
     
    OldGreyDog likes this.
  17. john79

    john79 Keyboard Hero

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    wealthy parent's / inheritance mate:)
     
  18. DUNKS

    DUNKS Keyboard Hero

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    I think most of the insurers etc say " this conversation MAY be recorded for training purposes. So they can easily say that was one they did not record.
    Whoever says you cant trust anyone today is quite correct. It's getting a nasty world out there. Insurance companies are one of the worst. Second only to insurance BROKERS.
     
  19. Wild Bill

    Wild Bill CO2 Enthusiast and nice guy.

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    Council workers? Big payouts, big pensions? There are some council workers on minimum wage here. Most are not on the generous final salary pensions. Where do you get this rubbish from?
     
    Last edited: Aug 13, 2019
    OldGreyDog, RedKen and Agger like this.
  20. norman

    norman Donator

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    I was fortunate enough to be able to retire early...it doesn't really matter who you are or what age you are or how much you are getting (as long as you can pay your way)...THE most important thing is your health...or the health of your "close ones"....without that life can really be a struggle...an old friend once said "there are no pocket's in shrouds"...there's many a person six foot under who would change place's with you...enjoy what you have folks...it's not forever....:thumb:
     
    Patrick and OldGreyDog like this.

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