Retirement planning & leaving UK

[Not in Crawley]

And this thread is an apt demonstration of why the old farts fucked it up for the next generation.

 

[Ani]

Cyprus ok for this at least

https://www.thisismoney.co.uk/money/pensions/article-15728591/amp/Retirees-moving-Australia-Canada-New-Zealand-set-miss-77-585-state-pension-payments.html

[Traf]

There's an argument that people retiring overseas should actually get an increased pension, but lose access to the NHS etc ie you now live overseas, you don't get to come back for free health care.

I think I could support that and also scrap the triple lock.

[Dr Faustus]

Chatting today with a bloke who reckons Portugal only have %7 tax, which has led to some serious gentrification. House prices tripled in a year

[Tonge moor green jacket]

4 hours ago, Traf said:

There's an argument that people retiring overseas should actually get an increased pension, but lose access to the NHS etc ie you now live overseas, you don't get to come back for free health care.

I think I could support that and also scrap the triple lock.

Foreigners have access to the NHS, and the cost is rairly claimed back by the service, which it should be.

You could hardly operate on the current basis, yet treat our own citizens differently.

Nevertheless, I think you are right in general- unless living here and paying tax, then insurance for anyone visiting and requiring treatment.

The triple lock was a reasonable idea at the time, to slowly increase state pension as it was very low compared to others in Europe. Done in a way to make it more affordable over time, rather than in one big jump

May well still be low in comparison. 

Nevertheless, it should be at least paused now to get spending down, but only in conjunction with reducing the overall benefits bill.

[mickbrown]

I know someone who has lived abroad for 20 odd years. Has a couple of kids born out of this country.

Doesn't pay tax here or in the country he lives in. 

Kids are looking to come to university over here and was he bemoaning the fact that they'd have to pay international student fees.

[waffer cup 07]

6 hours ago, Traf said:

There's an argument that people retiring overseas should actually get an increased pension, but lose access to the NHS etc ie you now live overseas, you don't get to come back for free health care.

I think I could support that and also scrap the triple lock.

Get the first part, but not the second.

[Dimron]

7 hours ago, Traf said:

I think I could support that and also scrap the triple lock.

I think I speak from experience, not all pensioners are driving around in 70k motorhomes and planning lifes in sunny climates. 

Pensioners are on fixed incomes and cannot just go out and do an extra shift or put their rates up if things get tight. Also, I have realised that as you get older your energy level starts to drop and you do feel the cold more.

Me? I'm just a Tonge Fold headbanger and will always survive no matter what sh1t is slung at me.

[Tonge moor green jacket]

2 hours ago, mickbrown said:

I know someone who has lived abroad for 20 odd years. Has a couple of kids born out of this country.

Doesn't pay tax here or in the country he lives in. 

Kids are looking to come to university over here and was he bemoaning the fact that they'd have to pay international student fees.

How many times have you told him to get fucked? 😀

[mickbrown]

3 minutes ago, Tonge moor green jacket said:

How many times have you told him to get fucked? 😀

😁

I basically chewed my tongue off

[Traf]

3 hours ago, Dimron said:

I think I speak from experience, not all pensioners are driving around in 70k motorhomes and planning lifes in sunny climates. 

Pensioners are on fixed incomes and cannot just go out and do an extra shift or put their rates up if things get tight. Also, I have realised that as you get older your energy level starts to drop and you do feel the cold more.

Me? I'm just a Tonge Fold headbanger and will always survive no matter what sh1t is slung at me.

I’m not saying pensions shouldn’t rise, but gettIng the pick of three variables isn’t right.

 

[bolty58]

4 hours ago, Dimron said:

I think I speak from experience, not all pensioners are driving around in 70k motorhomes and planning lifes in sunny climates. 

Pensioners are on fixed incomes and cannot just go out and do an extra shift or put their rates up if things get tight. Also, I have realised that as you get older your energy level starts to drop and you do feel the cold more.

Me? I'm just a Tonge Fold headbanger and will always survive no matter what sh1t is slung at me.

Change Fold to Moor and it's ditto.

[Dimron]

8 hours ago, bolty58 said:

Change Fold to Moor and it's ditto.

I went to Tonge Moor Primary, does that count?

[Dimron]

9 hours ago, Traf said:

I’m not saying pensions shouldn’t rise, but gettIng the pick of three variables isn’t right.

 

Maybe more means testing should be introduced... it is wrong to punish those who cannot go out on strike or whatever because we want to fight wars and subsidise a generation of benefit claiming losers

[Not in Crawley]

The tripple lock is a nonsense.

Fuck off you old farts, you have been lucky enough to buy houses at nothing and then you want to move to Spain.

Just disgusting.

[Dimron]

4 minutes ago, Not in Crawley said:

The tripple lock is a nonsense.

Fuck off you old farts, you have been lucky enough to buy houses at nothing and then you want to move to Spain.

Just disgusting.

What has how a horse trots got to do with it? 

Calm down and lose that huge chip on your shoulder

[Not in Crawley]

Just now, Dimron said:

What has how a horse trots got to do with it? 

Calm down and lose that huge chip on your shoulder

We can't keep making old people richer.

Fuck them - we need more support in graduates.

[Ani]

50 minutes ago, Not in Crawley said:

The tripple lock is a nonsense.

Fuck off you old farts, you have been lucky enough to buy houses at nothing and then you want to move to Spain.

Just disgusting.

 

40 minutes ago, Not in Crawley said:

We can't keep making old people richer.

Fuck them - we need more support in graduates.

There must be a fairer way to calculate the Pension. 
 

But equally there must be a more sensible approach to Higher Education. Most jobs do not need a degree so why do we need 50% of kids going to Uni ? I say Higher Education but let’s be honest it is now Further Education. 
 

I am 60 now and received a grant to go to Uni. whilst I was there the minimum grant dropped to £0 for the first time. My grant did not cover all my living costs so ended up some debt but nothing like these days. But only about 10% of people went to Uni. The others went straight into work. So what changed that in 40 years every other person needs a degree ? 
 

Surely there is a middle ground by which we increase from the old 10% but it is clear trying to push through every other kid the system is inefficient. My step lads mates went to Uni with 2 Ds in their A levels ! Why ? Much better doing an apprenticeship and learning skills to make them better employees. There is only so much you can learn about X bow lakes. 
 

There should always be some space in Higher Education for degrees that are not focussed on commercial income wether that is the Arts or Archeology but pushing thousands of kids into higher education for the sake of it is not affordable whoever is funding it. Stick more into bursaries for teaching, nursing etc and support companies offering genuine Apprenticeship schemes. Stop devaluing degrees. 

[Cheese]

8 minutes ago, Ani said:

There must be a fairer way to calculate the Pension. 
 

But equally there must be a more sensible approach to Higher Education. Most jobs do not need a degree so why do we need 50% of kids going to Uni ? I say Higher Education but let’s be honest it is now Further Education. 
 

I am 60 now and received a grant to go to Uni. whilst I was there the minimum grant dropped to £0 for the first time. My grant did not cover all my living costs so ended up some debt but nothing like these days. But only about 10% of people went to Uni. The others went straight into work. So what changed that in 40 years every other person needs a degree ? 
 

Surely there is a middle ground by which we increase from the old 10% but it is clear trying to push through every other kid the system is inefficient. My step lads mates went to Uni with 2 Ds in their A levels ! Why ? Much better doing an apprenticeship and learning skills to make them better employees. There is only so much you can learn about X bow lakes. 
 

There should always be some space in Higher Education for degrees that are not focussed on commercial income wether that is the Arts or Archeology but pushing thousands of kids into higher education for the sake of it is not affordable whoever is funding it. Stick more into bursaries for teaching, nursing etc and support companies offering genuine Apprenticeship schemes. Stop devaluing degrees. 

"Stop devaluing degrees" says someone who went to Uni for free, and is now bemoaning a younger generation of kids reaching for the same goal whilst paying through the nose for it.

[Winchester White]

Just now, Cheese said:

"Stop devaluing degrees" says someone who went to Uni for free, and is now bemoaning a younger generation of kids reaching for the same goal whilst paying through the nose for it.

To be fair, he is right that the amount of kids going to Uni was/is artificially high.

However those that want to go should be allowed to do so without the fear of eternal debt.

There is a middle ground that Ani did mention in his post.

As for pensions, it always ends up with old folk saying they have paid in for years but forget it just wasn't enough. Not their fault of course but it certainly isn't the fault of those younger either and it is them now paying for it!

[Cheese]

8 minutes ago, Winchester White said:

To be fair, he is right that the amount of kids going to Uni was/is artificially high.

However those that want to go should be allowed to do so without the fear of eternal debt.

There is a middle ground that Ani did mention in his post.

As for pensions, it always ends up with old folk saying they have paid in for years but forget it just wasn't enough. Not their fault of course but it certainly isn't the fault of those younger either and it is them now paying for it!

Bit of a contradiction there. What if 50% of kids want to go to Uni and get a degree?

As for the old folk who only draw a state pension - it is their fault. They should have worked harder, and thought ahead.

Edited April 16 by Cheese

[Ani]

13 minutes ago, Cheese said:

"Stop devaluing degrees" says someone who went to Uni for free, and is now bemoaning a younger generation of kids reaching for the same goal whilst paying through the nose for it.

Yeah and it taught how to discuss things and construct an argument.

if 50% of people get degrees are they more valuable than if only 10% of people get them. ? 

[Ani]

1 minute ago, Cheese said:

Bit of a contradiction there. What if 50% of kids want to go to Uni and get a degree?

They can , but if they do not qualify by getting the right qualifications why should the Govt fund it ? 

[Cheese]

1 minute ago, Ani said:

Yeah and it taught how to discuss things and construct an argument.

if 50% of people get degrees are they more valuable than if only 10% of people get them. ? 

What did you study?

[Ani]

17 minutes ago, Cheese said:

"Stop devaluing degrees" says someone who went to Uni for free, and is now bemoaning a younger generation of kids reaching for the same goal whilst paying through the nose for it.

How about 90% of people from my generation who did not get the chance to go to Uni ?