This flying of flags malarkey

[Not in Crawley]

3 hours ago, Zico said:

Sounds perfect for some HMOs all that

Canterbury has been an article 4 area for years, as i believe Bolton has recently become. 

The residents of this village have managed to stop bus shelters because they look ugly (poor kids get soaked when lining up to get their school buses) lord knows the objections to HMOs 

[BobyBrno]

1 minute ago, Duck Egg said:

I'd not edited anything? 

What I was getting at in the original post and what Guaranteed Pension Credit does, is give a minimum state pension to those who may have had a lifetime or long periods of unemployment for whatever reason.

 

The guarantee part is the amount. Not the benefit. It is not guaranteed to be paid and will depend on circumstances. Those that are in that situation will not get the  full amount if at all if they have savings or a partner on a good salary. 
The State Pension is not means tested. 

[kent_white]

1 hour ago, BobyBrno said:

I also mentioned that pensioners now pay more tax now than they did in the sixties. This is the best I can find.

 

 

Pensioners paid significantly less tax in the sixties than they do now, due to the elimination of the higher tax-free allowance for older people, increased reliance on private pensions, and a freeze in tax thresholds. In the sixties, a much smaller proportion of pensioners paid tax, but by 2022–23, 62% of those aged 65 and over paid income tax, a rise from just 36% in 1990–91, with this trend expected to continue. 

 

 

 

I'm not arguing with you. They may well do. They probably have to because there's not enough people paying pension contributions.

I've looked into it - so apparently you get the state pension providing you've had 10 years paying NI contributions. Which is going to be the vast majority of people. 

If you've not then you'll receive additional NI payments - so the effect is much the same. 

Incidentally - you've started taking about pensioners again! 😁

 

 

[kent_white]

11 hours ago, Lt. Aldo Raine said:

Where he was, of course, a bastion of truth

Irrespective of what he did or didn't do 30 off years ago, is he or isn't he right about our collective ability to continue to pay pension contributions in 2025 and beyond. That's the important part really. 

[Lt. Aldo Raine]

5 minutes ago, kent_white said:

Irrespective of what he did or didn't do 30 off years ago, is he or isn't he right about our collective ability to continue to pay pension contributions in 2025 and beyond. That's the important part really. 

He overstated the case to a ridiculous extent (no surprise there) and another poster had to correct what you posted

That's why he's unreliable

[BobyBrno]

18 minutes ago, kent_white said:

I'm not arguing with you. They may well do. They probably have to because there's not enough people paying pension contributions.

I've looked into it - so apparently you get the state pension providing you've had 10 years paying NI contributions. Which is going to be the vast majority of people. 

If you've not then you'll receive additional NI payments - so the effect is much the same. 

Incidentally - you've started taking about pensioners again! 😁

 

 

I’m not arguing. You brought the subject up though. Elephant in the room you said then went on to talk about pensions etc.and quoted some dodgy figures. 

The 10 year contribution is minimum by the way. You would not get the full pension with ten years. About £65/week on current figures Only after 35 years would you get the full payment and incremental amounts in between. 

[kent_white]

4 hours ago, Lt. Aldo Raine said:

He overstated the case to a ridiculous extent (no surprise there) and another poster had to correct what you posted

That's why he's unreliable

I'm not sure whether he quoted that figure or not. I only overheard it the other day and had not fact checked it. I wasn't even 100% sure who had said it.

Having read article - it says he's broadly accurate if you look at when the state pension was first introduced (albeit not in the 1960's). 

Nevertheless - the principle AC was discussing remains true, irrespective of whether you liked/disliked him when he was in government. We will struggle to continue to afford pensions at their current rate without making unpalatable reforms, possibly including the need to raise the pension age again. And controlled immigration will likely need to be a factor in that too. 

[kent_white]

4 hours ago, BobyBrno said:

I’m not arguing. You brought the subject up though. Elephant in the room you said then went on to talk about pensions etc.and quoted some dodgy figures. 

The 10 year contribution is minimum by the way. You would not get the full pension with ten years. About £65/week on current figures Only after 35 years would you get the full payment and incremental amounts in between. 

I apologise if the figures I quoted were incorrect. I have amended above. It doesn't really change anything about my point however. 

Pensions are unsustainable given the way they are paid at the moment. 

The likelyhood is by the time I am lucky enough to retire - I will need to have been working for longer in order to draw it than you will. 

So you've done very well again out of us spring chickens again! 😁

[BobyBrno]

6 minutes ago, kent_white said:

I apologise if the figures I quoted were incorrect. I have amended above. It doesn't really change anything about my point however. 

Pensions are unsustainable given the way they are paid at the moment. 

The likelyhood is by the time I am lucky enough to retire - I will need to have been working for longer in order to draw it than you will. 

So you've done very well again out of us spring chickens again! 😁

Well I started work at 16 and retired at 67. That’s 51 years. (Still paying tax by the way)

If you went to Uni. Then I’m guessing you’ll be 71 ish to match my contribution. Good luck👍😊

[Sweep]

9 minutes ago, kent_white said:

 

The likelyhood is by the time I am lucky enough to retire - I will need to have been working for longer in order to draw it than you will. 

So you've done very well again out of us spring chickens again! 😁

No doubt that retirement age is going to be creeping up. Todays youngsters will need to work until they're about 70, especially as they'll be tied into 35/40 year mortgage terms. I've said it before, I know people a similar age to me, who have pension pots that are worth next to fuck all (and Mrs Sweep is one of them, hers isn't even at £100K yet) - fuck knows how they'll survive in 20 years or so when they physically aren't able to work

[kent_white]

9 minutes ago, BobyBrno said:

Well I started work at 16 and retired at 67. That’s 51 years. (Still paying tax by the way)

If you went to Uni. Then I’m guessing you’ll be 71 ish to match my contribution. Good luck👍😊

Yes - more than likely I'll have 4 or more extra years to pay into by the time I reach retirement age.......

[ZiggyStardust]

15 minutes ago, BobyBrno said:

Well I started work at 16 and retired at 67. That’s 51 years. (Still paying tax by the way)

If you went to Uni. Then I’m guessing you’ll be 71 ish to match my contribution. Good luck👍😊

Apologies if I'm wrong, didnt live and work outside of the UK for a number of years, so wouldn't be paying UK PAYE & NI ?

Or am I confusing you with someone else ?

[BobyBrno]

12 minutes ago, ZiggyStardust said:

Apologies if I'm wrong, didnt live and work outside of the UK for a number of years, so wouldn't be paying UK PAYE & NI ?

Or am I confusing you with someone else ?

No not me. Always worked in UK.
👍

As part of my job, I visited companies in Europe, mainly CZ but still employed by UK company. 

Edited August 26, 2025 by BobyBrno
Clarification

[Sweep]

42 minutes ago, BobyBrno said:

Well I started work at 16 and retired at 67. That’s 51 years. (Still paying tax by the way)

If you went to Uni. Then I’m guessing you’ll be 71 ish to match my contribution. Good luck👍😊

Do you think you shouldn't be paying tax?

For what it's worth, I'd love it if people didn't have to pay tax on their pensions, but I'm not sure that'll ever happen.......unless they've had the ability to squirrel money away offshore of course 😉

[BobyBrno]

3 minutes ago, Sweep said:

Do you think you shouldn't be paying tax?

For what it's worth, I'd love it if people didn't have to pay tax on their pensions, but I'm not sure that'll ever happen.......unless they've had the ability to squirrel money away offshore of course 😉

Just explaining that pensioners still contribute through tax on private pensions. Any savings I have are in UK ISA’s 👍

[ZiggyStardust]

1 hour ago, BobyBrno said:

No not me. Always worked in UK.
👍

As part of my job, I visited companies in Europe, mainly CZ but still employed by UK company. 

Apologies, mixed up with someone else. HAd a thought you (or as it turns out, someone else) had spent a number of yers working in Munich area.

[Lt. Aldo Raine]

1 hour ago, kent_white said:

Having read article - it says he's broadly accurate if you look at when the state pension was first introduced (albeit not in the 1960's). 

Well, he's broadly accurate if we pretend he said something other than what he actually said

It's not about whether or not I liked him when he worked in government or not, it's about him being a serial bullshitter

[kent_white]

56 minutes ago, Lt. Aldo Raine said:

Well, he's broadly accurate if we pretend he said something other than what he actually said

It's not about whether or not I liked him when he worked in government or not, it's about him being a serial bullshitter

Righto! 👍

[Sweep]

This is apparently in the next village from mine. Classy. 

[jayjayoghani]

8 hours ago, ZiggyStardust said:

Apologies if I'm wrong, didnt live and work outside of the UK for a number of years, so wouldn't be paying UK PAYE & NI ?

Or am I confusing you with someone else ?

UK emigrants (expats if you wanna be a wanker) are usually eligible to make NI contributions. Up until recently you could backdate contributions to 2006. Now you can only go back 6 years. 

Class 2 contributions are about 170 quid per year so it's worth doing to maximise UK state pension. 

Edited August 26, 2025 by jayjayoghani

[Ani]

2 hours ago, Sweep said:

This is apparently in the next village from mine. Classy. 

At least they look like the cross of St George.

Some people’s pride in the flag seems to only run as far as producing something  that looks like toothpaste with a red stripe through or something the YTS lad (or lass) made on their first day at Mr Kipling. 

[tomski]

2 hours ago, Sweep said:

This is apparently in the next village from mine. Classy. 

Miles?

[bolty58]

16 hours ago, only1swanny said:

Not quite, but i'll stand up for peoples right to celebrate it properly. 

I'd be saying the exact same thing if people put pride flags on lamp posts and half arsed sprayed rainbows on street furniture.. 

 

 You've said that out loud.

[bolty58]

9 hours ago, kent_white said:

I'm not sure whether he quoted that figure or not. I only overheard it the other day and had not fact checked it. I wasn't even 100% sure who had said it.

Having read article - it says he's broadly accurate if you look at when the state pension was first introduced (albeit not in the 1960's). 

Nevertheless - the principle AC was discussing remains true, irrespective of whether you liked/disliked him when he was in government. We will struggle to continue to afford pensions at their current rate without making unpalatable reforms, possibly including the need to raise the pension age again. And controlled immigration will likely need to be a factor in that too. 

'Broadly accurate'. Like it. Should be under a new Labour logo with a wilting rose over the top of it.

[bolty58]

9 hours ago, kent_white said:

Yes - more than likely I'll have 4 or more extra years to pay into by the time I reach retirement age.......

Should be written into law for Labour voters. To pay for all the handouts they are so in favour of including overseas aid, benefits to illegal immigrants, protest support finance etc.