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Pension Advert.

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

  1. Patrick

    Patrick Donator

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    Quite true Norman however much we plan for our future our quality of life after retirement will depend mainly on our health.
    Fortunately most of us are living longer but illness can strike at any time and in any degree from the normal aches and pains that accompany old age sometimes to serious illness which within a matter weeks or months can leave one an invalid dependant on others perhaps.
    None of us know what's waiting around the corner for us so to speak.
     
  2. Patrick

    Patrick Donator

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    Perhaps he's referring to council executives and council leaders as it's not uncommon for them to earn or should i say receive,to be more accurate, large six figure salaries and pensions to match. Many of these council heads/leaders receive 3 times what the prime minister earns and probably far more than a leading/top neurosurgeon would earn. Larger salaries, gold plated pensions and retiring at 50 certainly doesn't apply to ordinary rank and file council workers
    As for police officers unless it's changed the retirement age for front line officer is or was 55. If that's the case then i see nothing wrong with that. After all who wants to be dealing with societies ne'er do wells and other useless t*****s sometimes on an almost daily basis when you're past 55. It's easy to criticise the police and sometimes that criticism is justly deserved no one would deny that but apart from any former or current police officers we have on this forum how many of us would want to do that job,having to deal with the useless dishonest and sometimes nasty individuals that pervade modern society and are all too prevalent.
    The two recent incidents, the officer being attacked with a machete type weapon by a suspected uninsured driver and the officer being hit by some lowlife in stolen car gives testament to that.
    How many on here in employment go to work not knowing what they might have to encounter and that it could turn out to be their last shift, not many if any that's for certain. Some of the people that are all too ready to criticise the police or front line officers in particular should try doing that job for 6 months or a year they'd bloody soon change their opinion.
     
    Last edited: Aug 14, 2019
    OldGreyDog, Issac and Wild Bill like this.
  3. ratman60

    ratman60 Very Active

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    hello, if you are on a basic state pension as around 1 million or so are then you can apply for council tax rebate, social housing rent rebate and other DWP credits, this can equate to a private pension of £5,000 plus per year, so anyone who is on this basic is just as well off as someone who saved for a small pension, it is the generation in their 35s 45s that most pay a high rent and cannot afford to save in a private pension that will not be so well off at 67 the new retirement age
     
    Jukebox likes this.
  4. Wild Bill

    Wild Bill CO2 Enthusiast and Gun fighter.

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    Not quite true or should I say accurate.
    I will never qualify for a council tax rebate or any other DWP credits or any kind of benefits that are means tested. And also when I reach 67 I will not get the full state pension either. I will get a lower state pension. I have my own property, my council tax is £140 per month. So I am one person who wont get what you are saying I could get. There are many more like me.
     
    JamieB57 likes this.
  5. JamieB57

    JamieB57 Engaging Member

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    Yes of course pension credit top ups are means tested,as is council tax rebates. You are allowed to have up to £10,000 savings,above that you lose any credits,and if savings are higher than £16,000 I believe there are no credits,and that is true whether a single or couple.The government plan is to only allow you enough savings to pay for your funerals!☹️
     
  6. jesim1

    jesim1 Big Poster

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    You sound shocked?

    My expenses are all above that, and I don't live in a castle or have a swimming pool - I guess it just depends on your expectations and views on what you are willing or can afford to pay for housing? Both myself and wife worked hard all our lives and both retired at 50. Neither of us inherited money and worked two jobs for several years while bringing up kids so we could pay in max contributions to our company pensions, which we can't yet draw on, so had to have savings to cover us till we can. This is not luck or good fortune, we worked bloody hard and sacrificed along the way while making investments and good decisions about money. Most people had the same opportunities as I did, if they have anything less than I do then there is a reason - and for the vast majority it's not that they were just unlucky:rolleyes:
     
  7. HWChris

    HWChris Campsite Clouseau....

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    48 actually.
     
    HW100Tuning likes this.
  8. RedKen

    RedKen Me head's a shed.

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    Glad I live in Yorkshire rather than Lancs then. ;). Seriously though, that must be something rather special to have council tax and utillity bills that high. And there is absolutely nothing wrong with that, if that is what you want. I'm not knocking you or anyone else btw. You work hard to get what you want and power to your elbow for doing so.

    We do seem to be losing the gist of the initial question here though. My initial post was that it I reckon it is quite possible to live on a state pension alone. Not glamorous admittedly, but doable. It's sort of turned into a competition as to how much people pay out, how high a figure they need to get by in their chosen manner, and how hard they have worked in order to achieve this lifestyle. Oh and by implication, anyone who hasn't done the same must have been an idle bastod?
     
  9. ratman60

    ratman60 Very Active

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    hello, if you read my post i refer those who rent from the social housing system, how do you know that you will get less than the normal state pension, you can pay back any years lost before your retire date,
     
  10. Wild Bill

    Wild Bill CO2 Enthusiast and Gun fighter.

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    You mentioned Council Tax rebate before any mention of social housing.
    As for the state pension I can't afford lump sum payment to the DWP and because I don't have the time to pay back any lost years (well I would have time if I worked till about 75). I served 20 odd years in the military so that time did not count for state pension. Even though I paid the same National Insurance as any one else. I have already had my forecast. I have worked all my working life and never been unemployed either. Because I have a small forces pension I am not entitled to any benefits, rebates or a full state pension. Oh and because I have a forces pension I am not entitled to any social housing either. Been there, got the T shirt etc.
     
  11. john harris

    john harris Busy Member

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    Think you can only go back 6 years for lost contributions to NI (was when I looked couple of years ago)
     
  12. Patrick

    Patrick Donator

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    If you're paying £220 per month in council tax you're obviously not living in Band 'D' property because the average council tax for a Band 'D' is around £1500-£1600 per year which equates to about £120-£130 per month or £150-£160 if it's done over 10 monthly payments which most if not all councils do and i would think is the type of property or even smaller i.e a lower band that most on this forum live in. If anyone is paying £220 per month in council tax there must be a reason for it so perhaps they'd care to enlighten us as to what that reason is.
     
  13. SimonCornwall

    SimonCornwall Engaging Member

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    Wild Bill, you need to check - your Armed Forces pension doesn't affect State Pension and you should be entitled to a state pension as well, you can get info and a forecast for your forces pension here https://www.gov.uk/armed-forces-pension-calculator and the same for the state pension here https://www.gov.uk/check-state-pension

    There's an awful lot of guff posted in this thread and it would probably break the forum trying to put it right but the YouGov website or CAB can put most people straight.
     
  14. Agger

    Agger Active Member

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    I'm ex Military, 24 years in The Corps of Royal Engineers:thumb:

    I was on a council housing list until I asked to be withdrawn due to buying our own house:thumb:

    I get 4 pensions, one from my military service, one from the state (OAP) and tell private pensions:thumb:

    The above are facts:thumb:so where some get there "ideas" from is beyond me OR are they still hanging onto the idea that as HM Forces we didn't pay tax bull5ith:eek:
     
  15. Wild Bill

    Wild Bill CO2 Enthusiast and Gun fighter.

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    You are wrong (a bit). Of course I am entitled to state pension. I didn't say otherwise. But when I checked the .gov pensions site for a forecast mine was lower than normal. Lower than a colleague who I work with who has never served. So I asked why. Its because during my service I was automatically opted out of the state pension and hence the payout per week will be lower unless I can make the difference up during my current work. I hope I can but maybe not. It's not a large amount of difference, probably about 12 quid a week.

    Yes there is a lot of guff posted by some.:)
     
  16. Wild Bill

    Wild Bill CO2 Enthusiast and Gun fighter.

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    I was on a council waiting list for 26 years. But when it came to asking for one the answer is a big fat "NO" because you have a military pension and are deemed well off enough to be able to afford private rent. That is the truth. I suppose some councils in some area's with a surplus of social housing might let you but the 7 councils I asked would not allow it. It is still factual today becasue a friend of mine has just tried getting one in Lincoln after leaving the military after 30 years service. Social housing is out of bounds for veterans with a full pension. I am bitter about that because I had intended to buy a council house with a massive discount after 24 years in a married quarter counts towards said discount.
    And who has ever said the military never paid Tax? Whoever says that is an idiot. I paid full tax. I still pay full tax on my wage and another 20% on my forces pension.

    Some people write some guff on here.:rolleyes:
     
  17. SimonCornwall

    SimonCornwall Engaging Member

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    Sorry Bill, thought you said/thought you couldn't get a state pension - I was just scanning as there is so much guff here.

    Before paying any back conts it's best to get an impartial view of whether it's worth it or not, nobody lives forever. 35 years employment should get a full basic state these days which is in addition to other/contracted out pensions.
     
    Wild Bill likes this.
  18. Wild Bill

    Wild Bill CO2 Enthusiast and Gun fighter.

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    No probs Simon. Don't you find it amazing that a veteran who served for 20 odd years paying full tax and national insurance contributions is told he hasn't paid enough in contributions for a full state pension but some dole sponger who has never worked a day in their lives gets the full state pension?
     
  19. vonbeck

    vonbeck Engaging Member

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    My mum has worked from being 15 and paid tax all her working life she had 4 years off to bring up two boys , on her own, from me the youngest at 3 I'm now 51 And she owns her own house . She is now 76 has a small private pension and the state pension gets absolutely nothing apart from single persons poll tax she still pays tax on both her pensions
    Now the state pension is £168 a week .Do you know that an immigrant who arrives in the uk will get £260 pounds a week plus all the housing benefits etc !!!!!! How is that fair

    .
     
  20. norman

    norman Donator

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    I think you are right Re. 35 years (of paying tax/N.I) to qualify for a full state pension...but i'm sure those that have never contributed anything for 35 years get pretty much the same or more with "handout's"....it's a crazy system isn't it..:facepalm:...some of us work our ballcocks off whilst others take take take.....:rolleyes:
     

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