Traf Posted March 4, 2023 Share Posted March 4, 2023 (edited) 10 hours ago, tomski said: Kinnel mate don’t know whether to laugh or cry at that!!! Both? 8 hours ago, Sweep said: I still know a lot of people, who don't have any private pensions at all. They'll be truly fucked if/when they retire That's me. Mine got cashed in or whatever the correct terminology is when I had to quickly raise a shitload of cash 15 or so years ago and I never had the heart to start again, which is why I'll probably not retire until I'm physically unable to generate my income. Edited March 4, 2023 by Traf Quote Link to comment Share on other sites More sharing options...
Site Supporter FrancisFogarty Posted March 4, 2023 Site Supporter Share Posted March 4, 2023 The pensions I have, I had to cash in early because of a combination of debt and redundancy and having to take a job on shit money. It turned out to be the best job I ever had. A job i still have, to finish my debts off, pay for holidays and visits to see Loft. We're okay now, but would have been much better off if I hadn't had to cash in early. Ultimately it all started with me getting in debt. Quote Link to comment Share on other sites More sharing options...
Duck Egg Posted March 4, 2023 Share Posted March 4, 2023 I've moved jobs a few times these past years but had 26 years in the local government pension scheme, the gold plated one according to some, and naively assumed that would see me right. In theory I can retire this August. If I can manage to live on £7k pa that is. I suspect like many others on here I'll be working till I drop. Quote Link to comment Share on other sites More sharing options...
Site Supporter Tonge moor green jacket Posted March 4, 2023 Site Supporter Share Posted March 4, 2023 7 minutes ago, Duck Egg said: I've moved jobs a few times these past years but had 26 years in the local government pension scheme, the gold plated one according to some, and naively assumed that would see me right. In theory I can retire this August. If I can manage to live on £7k pa that is. I suspect like many others on here I'll be working till I drop. Whether a final salary scheme, or career average, if you're not earning a particularly big salary in your career, you're not getting a particularly big pension. Quote Link to comment Share on other sites More sharing options...
crawshawbooth Posted March 4, 2023 Share Posted March 4, 2023 2 hours ago, little whitt said: YES And hotel Awaits too SIR anything else you want just ask I no speak English can you spend several millions of pounds on interpreters for me And print every single government and local council paperwork in the maximum number of languages anyone could ever imagine Quote Link to comment Share on other sites More sharing options...
Site Supporter Cheese Posted March 4, 2023 Site Supporter Share Posted March 4, 2023 How has this thread turned into a National Front rally? Quote Link to comment Share on other sites More sharing options...
mickbrown Posted March 4, 2023 Share Posted March 4, 2023 2 minutes ago, Cheese said: How has this thread turned into a National Front rally? He's a strange one is that kid. Quote Link to comment Share on other sites More sharing options...
Site Supporter Spider Posted March 4, 2023 Site Supporter Share Posted March 4, 2023 8 minutes ago, crawshawbooth said: I no speak English can you spend several millions of pounds on interpreters for me And print every single government and local council paperwork in the maximum number of languages anyone could ever imagine Has an immigrant stolen your pension? We can ring the police if so. Quote Link to comment Share on other sites More sharing options...
royal white Posted March 4, 2023 Share Posted March 4, 2023 16 minutes ago, Cheese said: How has this thread turned into a National Front rally? NF rally? Is that you exaggerating again? Quote Link to comment Share on other sites More sharing options...
crawshawbooth Posted March 5, 2023 Share Posted March 5, 2023 1 hour ago, Spider said: Has an immigrant stolen your pension? We can ring the police if so. no immigrant has stolen my pension And i am sure that you will ensure your children invest in a decent private pension scheme I believe that once a sufficient amount of years have passed where everyone in the UK in employment is enrolled in a pension scheme since it became mandatory in the last century. Government will cease to pay a state pension to anyone that has worked and paid into a private pension scheme, But our feckless benefits residents and our many thousands of immigrants (doctors,lawyers ,dentists and vetinarians)will still be able to claim a state pension funded by you Quote Link to comment Share on other sites More sharing options...
Not in Crawley Posted March 5, 2023 Share Posted March 5, 2023 He's off his trolly his lad. Quote Link to comment Share on other sites More sharing options...
royal white Posted March 5, 2023 Share Posted March 5, 2023 19 minutes ago, Not in Crawley said: He's off his trolly his lad. Who’s his lad? Quote Link to comment Share on other sites More sharing options...
tomski Posted March 5, 2023 Share Posted March 5, 2023 10 hours ago, Duck Egg said: I've moved jobs a few times these past years but had 26 years in the local government pension scheme, the gold plated one according to some, and naively assumed that would see me right. In theory I can retire this August. If I can manage to live on £7k pa that is. I suspect like many others on here I'll be working till I drop. This is always my worry mate. I’ve put in From an early ish age but when they show projected yearly incomes it never seems enough. Quote Link to comment Share on other sites More sharing options...
Site Supporter Spider Posted March 5, 2023 Site Supporter Share Posted March 5, 2023 8 hours ago, crawshawbooth said: no immigrant has stolen my pension And i am sure that you will ensure your children invest in a decent private pension scheme I believe that once a sufficient amount of years have passed where everyone in the UK in employment is enrolled in a pension scheme since it became mandatory in the last century. Government will cease to pay a state pension to anyone that has worked and paid into a private pension scheme, But our feckless benefits residents and our many thousands of immigrants (doctors,lawyers ,dentists and vetinarians)will still be able to claim a state pension funded by you What about the hundreds of thousands of home grown scroungers my tax props up every day? Quote Link to comment Share on other sites More sharing options...
Wanderlust Posted March 5, 2023 Share Posted March 5, 2023 39 minutes ago, tomski said: This is always my worry mate. I’ve put in From an early ish age but when they show projected yearly incomes it never seems enough. My concern is working out when I'm going to die. You know when you're young and some mate gets his first job selling stuff whether it's double glazing or pension plans and the first people he hits on are his mates? That happened to me in my 20s so I started putting a pittance into a mate's private pension plan and along with other work pensions from various jobs I ended up with a bag of small pensions, stuck it all into a Unit Trust which buys ISAs every year. Fine whilst the markets were buoyant, but risky when they're shit - still I'm gambling on the world economy not going to shit or living until I'm a hundred. Theory is that the world economy will always stay ahead of financial crises - but it doesn't and when the pot takes a big hit I end up imposing austerity on myself so I can leave as much as possible in to try to earn the losses back. F*** knows whether or not it will be enough. Still I might die tomorrow so f*** it. Quote Link to comment Share on other sites More sharing options...
tomski Posted March 5, 2023 Share Posted March 5, 2023 18 minutes ago, Wanderlust said: My concern is working out when I'm going to die. You know when you're young and some mate gets his first job selling stuff whether it's double glazing or pension plans and the first people he hits on are his mates? That happened to me in my 20s so I started putting a pittance into a mate's private pension plan and along with other work pensions from various jobs I ended up with a bag of small pensions, stuck it all into a Unit Trust which buys ISAs every year. Fine whilst the markets were buoyant, but risky when they're shit - still I'm gambling on the world economy not going to shit or living until I'm a hundred. Theory is that the world economy will always stay ahead of financial crises - but it doesn't and when the pot takes a big hit I end up imposing austerity on myself so I can leave as much as possible in to try to earn the losses back. F*** knows whether or not it will be enough. Still I might die tomorrow so f*** it. Yes that crosses my mind a bit too. Oddly family would be a lot better off as I have every insurance going for work and illness but as much as I love them, I don’t fancy dying early for their financial security ha. Quote Link to comment Share on other sites More sharing options...
Site Supporter Biggish Dave Posted March 5, 2023 Site Supporter Share Posted March 5, 2023 Timing is everything. I'm planning on retiring at 58 and being dead by 83. Doubt I'll live that long so should be fine to go at 58 Quote Link to comment Share on other sites More sharing options...
Sweep Posted March 5, 2023 Share Posted March 5, 2023 2 hours ago, Spider said: What about the hundreds of thousands of home grown scroungers my tax props up every day? You've not been listening. They'll soon be in the work place, taking up the slack. It'll all be good. Quote Link to comment Share on other sites More sharing options...
crawshawbooth Posted March 5, 2023 Share Posted March 5, 2023 Spidy boy you miss my point . our own feckless are always with us we house them , the ones that "deserve" a roof over their heads Happen not if you are white English male All of them , our dross , and the dingy boys turn 67 and expect the same as we get A State Pension !!!!! Quote Link to comment Share on other sites More sharing options...
crawshawbooth Posted March 5, 2023 Share Posted March 5, 2023 Just now, crawshawbooth said: Spidy boy you miss my point . our own feckless are always with us we house them , the ones that "deserve" a roof over their heads Happen not if you are white English male All of them , our dross , and the dingy boys turn 67 and expect the same as we get A State Pension !!!!! In the end they will turn off the tap and the first ones they will end it to is all of us with private pensions Boom Fact as a previous much missed poster might have written Quote Link to comment Share on other sites More sharing options...
Site Supporter Spider Posted March 5, 2023 Site Supporter Share Posted March 5, 2023 10 minutes ago, crawshawbooth said: Spidy boy you miss my point . our own feckless are always with us we house them , the ones that "deserve" a roof over their heads Happen not if you are white English male All of them , our dross , and the dingy boys turn 67 and expect the same as we get A State Pension !!!!! To be clear You’re saying everyone gets a handout except white English males? Quote Link to comment Share on other sites More sharing options...
Mounts Kipper Posted March 5, 2023 Share Posted March 5, 2023 11 hours ago, tomski said: This is always my worry mate. I’ve put in From an early ish age but when they show projected yearly incomes it never seems enough. Most folk in same situation, most of us gonna have to draw down rather than take annuity. Quote Link to comment Share on other sites More sharing options...
Site Supporter MickyD Posted March 5, 2023 Site Supporter Share Posted March 5, 2023 19 minutes ago, Spider said: To be clear You’re saying everyone gets a handout except white English males? I thought he was saying some folk will get undeserved pensions, including waster-type white blokes who have paid nothing in and freshly arrived others who have also paid nothing in. Quote Link to comment Share on other sites More sharing options...
tomski Posted March 5, 2023 Share Posted March 5, 2023 23 minutes ago, Mounts Kipper said: Most folk in same situation, most of us gonna have to draw down rather than take annuity. Hear you. Quote Link to comment Share on other sites More sharing options...
Site Supporter Spider Posted March 5, 2023 Site Supporter Share Posted March 5, 2023 7 minutes ago, MickyD said: I thought he was saying some folk will get undeserved pensions, including waster-type white blokes who have paid nothing in and freshly arrived others who have also paid nothing in. “Happen not if you are a white English male” Quote Link to comment Share on other sites More sharing options...
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