Moderators Casino Posted November 15, 2020 Moderators Share Posted November 15, 2020 (edited) 6 minutes ago, Mounts Kipper said: He would, commission for him, keep your property as long as you’ve already got reasonable pension in place, spread the risk. yeah, tbh, his case was based on the rental return While disregarding the increase in value of the house Rent is poss a bit low, but ive got a long term renter who is no trouble at all If he wanted out, then id probably sell it as wife would prefer to cash it in Shes seen too many shit tenant docs Edited November 15, 2020 by Casino Quote Link to comment Share on other sites More sharing options...
Site Supporter Cheese Posted November 15, 2020 Site Supporter Share Posted November 15, 2020 I signed up to the Pension scheme as soon as I got my Apprenticeship straight from school in 1998. Never gave it a second thought until a few weeks ago when I was driving somewhere and my lungs suddenly shut down. Honestly thought I was having a heart attack or something. Was only 2 minutes from a hospital, so drove straight there, where they did a few tests and told me there was fuck all wrong with me. The doc suggested it was a combination of allergic reaction and panic attack. I was lucky enough to sign up just before they ended the "Final Salary Scheme", but I only signed up to the intermediate contribution level, so I'll be maxing my contributions soon. Still can't get my head around how it all works. Get regular texts off my old gaffer saying "Keep working lad! The Mrs has booked another cruise!" Quote Link to comment Share on other sites More sharing options...
radcliffe white Posted November 15, 2020 Share Posted November 15, 2020 10 minutes ago, Casino said: the guy who does our pensions reckons i should sell the rented place and give him the money to play with Still currently rising in that area Quote Link to comment Share on other sites More sharing options...
miamiwhite Posted November 15, 2020 Share Posted November 15, 2020 1 minute ago, Cheese said: I signed up to the Pension scheme as soon as I got my Apprenticeship straight from school in 1998. Never gave it a second thought until a few weeks ago when I was driving somewhere and my lungs suddenly shut down. Honestly thought I was having a heart attack or something. Was only 2 minutes from a hospital, so drove straight there, where they did a few tests and told me there was fuck all wrong with me. The doc suggested it was a combination of allergic reaction and panic attack. I was lucky enough to sign up just before they ended the "Final Salary Scheme", but I only signed up to the intermediate contribution level, so I'll be maxing my contributions soon. Still can't get my head around how it all works. Get regular texts off my old gaffer saying "Keep working lad! The Mrs has booked another cruise!" Hope you're ok pal and get a second opinion. Quote Link to comment Share on other sites More sharing options...
Moderators Casino Posted November 15, 2020 Moderators Share Posted November 15, 2020 Just now, radcliffewhite1 said: Still currently rising in that area Ive seen Roughly 40% up, i think, in 5 or 6 years Quote Link to comment Share on other sites More sharing options...
mickbrown Posted November 15, 2020 Share Posted November 15, 2020 9 minutes ago, miamiwhite said: yes, but happier, more hair, better looking, friendlier and own my own teeth 😀 Haha. Keep taking the happy pills mate Quote Link to comment Share on other sites More sharing options...
radcliffe white Posted November 15, 2020 Share Posted November 15, 2020 1 minute ago, Casino said: Ive seen Roughly 40% up, i think, in 5 or 6 years Personally I’d keep hold prices going up ok not forever but houses sell well in this area and like you say rent should be higher Quote Link to comment Share on other sites More sharing options...
miamiwhite Posted November 15, 2020 Share Posted November 15, 2020 4 minutes ago, Mr Grey said: I lot of people have been thinking like that, health comes into the equation more and its generally about a balance, how long do you think you will live and how much money will you need. And then you hear of someone you know who retired at say 65 in full health, 2 years later BROWN BREAD! Scares the fuck out of me, I'm going at 60 no matter how much money I lose on my pension for cashing it in early. Mr Worthington, the chem teacher at Deane Grammar for a fine example. Croaked it on stage getting his retirement presents, same year as Tommy Cooper Quote Link to comment Share on other sites More sharing options...
mickbrown Posted November 15, 2020 Share Posted November 15, 2020 8 minutes ago, stevieb said: Typical workshy teacher. 💣 Shittest job I ever had. Worked far less hard for way more money money ever since I left Quote Link to comment Share on other sites More sharing options...
miamiwhite Posted November 15, 2020 Share Posted November 15, 2020 1 minute ago, mickbrown said: Haha. Keep taking the happy pills mate Haha, you definitely need to start your tabs again 🤣 Quote Link to comment Share on other sites More sharing options...
miamiwhite Posted November 15, 2020 Share Posted November 15, 2020 1 minute ago, mickbrown said: Shittest job I ever had. Worked far less hard for way more money money ever since I left Are you a Labour MP Mick 🤔 😃 Quote Link to comment Share on other sites More sharing options...
mickbrown Posted November 15, 2020 Share Posted November 15, 2020 1 minute ago, miamiwhite said: Are you a Labour MP Mick 🤔 😃 Abba tribute band Quote Link to comment Share on other sites More sharing options...
miamiwhite Posted November 15, 2020 Share Posted November 15, 2020 1 minute ago, mickbrown said: Abba tribute band The blonde or brunette 🤔 😜 😛 Quote Link to comment Share on other sites More sharing options...
Site Supporter Cheese Posted November 15, 2020 Site Supporter Share Posted November 15, 2020 10 minutes ago, miamiwhite said: Hope you're ok pal and get a second opinion. Genuinely, thanks. Hope you're recovering well from your injury. Quote Link to comment Share on other sites More sharing options...
mickbrown Posted November 15, 2020 Share Posted November 15, 2020 2 minutes ago, miamiwhite said: The blonde or brunette 🤔 😜 😛 The filthy looking brunette. Obviously Quote Link to comment Share on other sites More sharing options...
miamiwhite Posted November 15, 2020 Share Posted November 15, 2020 4 minutes ago, Cheese said: Genuinely, thanks. Hope you're recovering well from your injury. Thanks pal, still very sore and swollen but plodding on excuse the pun. Please get a 2nd opinion though, I'd be gutted if I can't wallop you on here every night 👍 Quote Link to comment Share on other sites More sharing options...
miamiwhite Posted November 15, 2020 Share Posted November 15, 2020 4 minutes ago, mickbrown said: The filthy looking brunette. Obviously Good girl 👧 😃 Quote Link to comment Share on other sites More sharing options...
Moderators Zico Posted November 15, 2020 Moderators Share Posted November 15, 2020 47 minutes ago, Casino said: I make it about 20 years to get to 240 Dont want to agree with welly but can see his thinking Its all there in his post Started at 21 Now 42 It's covered Quote Link to comment Share on other sites More sharing options...
Site Supporter Winchester White Posted November 15, 2020 Site Supporter Share Posted November 15, 2020 Aye, it took 19 years to get to £240 with compound interest % and rounding. Quote Link to comment Share on other sites More sharing options...
mickbrown Posted November 15, 2020 Share Posted November 15, 2020 45 minutes ago, Mr Grey said: I lot of people have been thinking like that, health comes into the equation more and its generally about a balance, how long do you think you will live and how much money will you need. And then you hear of someone you know who retired at say 65 in full health, 2 years later BROWN BREAD! Scares the fuck out of me, I'm going at 60 no matter how much money I lose on my pension for cashing it in early. Bloke at our place, took early retirement at 55. Been there 35 years. Dropped dead from a heart attack 6 months later. Pension company's dream customer Quote Link to comment Share on other sites More sharing options...
miamiwhite Posted November 15, 2020 Share Posted November 15, 2020 2 minutes ago, Mr Grey said: I've known loads who have croked it a couple of years after retirement, it's very sad. My dad popped his clogs at 66 in August, only got his state pension the previous March when he turned 65. I bet the Government were chuffed to fuck, he only had a small private pension because they weren't available as much as today back then. I think my state retirement age is 67, and a lot defer it and work past it, fucking mad some people. Sorry to hear that mate. Quote Link to comment Share on other sites More sharing options...
miamiwhite Posted November 15, 2020 Share Posted November 15, 2020 15 minutes ago, ZicoKelly said: Its all there in his post Started at 21 Now 42 It's covered Thank you pal, glad someone else astute spotted that. Quote Link to comment Share on other sites More sharing options...
miamiwhite Posted November 15, 2020 Share Posted November 15, 2020 Just now, Mr Grey said: Thanks, but It's fine fella, just an example of sometimes we think about money than life itself, and this year we can hardly spend any dosh due to Rona. No holidays, mini-breaks, football, pub etc.... When all this is over I'm gonna develop an even more 'I don't give a fuck attitude' 🤓 Good man, life is too short.....a bit like Leigh White 💣 Quote Link to comment Share on other sites More sharing options...
Guest Posted November 15, 2020 Share Posted November 15, 2020 15 minutes ago, mickbrown said: Pension company's dream customer Not necessarily Quote Link to comment Share on other sites More sharing options...
mickbrown Posted November 15, 2020 Share Posted November 15, 2020 (edited) 1 hour ago, Mr Grey said: I lot of people have been thinking like that, health comes into the equation more and its generally about a balance, how long do you think you will live and how much money will you need. And then you hear of someone you know who retired at say 65 in full health, 2 years later BROWN BREAD! Scares the fuck out of me, I'm going at 60 no matter how much money I lose on my pension for cashing it in early. Double bubble Edited November 15, 2020 by mickbrown Quote Link to comment Share on other sites More sharing options...
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