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Post by Deleted on Jul 19, 2022 7:46:41 GMT
Tiny phone and it won't let me edit typos.. Won't let you photo the new boat either ... does it run on lighter fuel ? Rog
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Post by twerp2 (Asleep) on Jul 19, 2022 7:59:11 GMT
If you have a private pension, can you also still draw the state pension? As Loddon says, yes. Some private pensions you can draw before your state pension date. Also if you are worried about paying too much tax if you have a good private pension, you can have your state pension deferred (in which case your state pension payments will be higher when you decide to draw them). You can log onto the HMRC Website to find out at what age you will receive state pension and how much (not guaranteed). www.gov.uk/check-state-pensionCheers, not much point checking yet, I'm 20 years away and can only imagine it will change again before then.
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Post by Deleted on Jul 19, 2022 8:05:08 GMT
In the blink of an eye you'll be there.
That's why we have to try to enjoy every day ... we're here for a good time, not a long time šš
Rog
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Post by Deleted on Jul 19, 2022 8:49:57 GMT
As Loddon says, yes. Some private pensions you can draw before your state pension date. Also if you are worried about paying too much tax if you have a good private pension, you can have your state pension deferred (in which case your state pension payments will be higher when you decide to draw them). You can log onto the HMRC Website to find out at what age you will receive state pension and how much (not guaranteed). www.gov.uk/check-state-pensionCheers, not much point checking yet, I'm 20 years away and can only imagine it will change again before then. Probably, it did for me. The main thing is to try to enjoy now. If you're lucky enough to have a job you enjoy, you're half way there. Unfortunately a few of my friends didn't make it to 'retirement', mainly due to stress I suspect.
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Post by Deleted on Jul 19, 2022 8:56:33 GMT
Jane's done that to me ... what with occupational pension, working 3 months a year, and now state pension, I pay tax. But if I paid twice as much I'd be pocketing twice as much too šš Like Mr Stabby I have no plans to stop the winter work ... I enjoy the social contact and interaction. I'm a lucky lad I know. Rog Social contact and interaction I am all for. This Can be done without the working bit though!
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Post by Deleted on Jul 19, 2022 8:59:26 GMT
As Loddon says, yes. Some private pensions you can draw before your state pension date. Also if you are worried about paying too much tax if you have a good private pension, you can have your state pension deferred (in which case your state pension payments will be higher when you decide to draw them). You can log onto the HMRC Website to find out at what age you will receive state pension and how much (not guaranteed). www.gov.uk/check-state-pensionCheers, not much point checking yet, I'm 20 years away and can only imagine it will change again before then. 20 years.. state pension starting at about 70 Iād guess.. mines now 67. Was 65 not so many years ago. Iād not be surprised if mine gets put back a year or two.
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Post by Deleted on Jul 19, 2022 9:01:51 GMT
If you have a private pension, can you also still draw the state pension? As Loddon says, yes. Some private pensions you can draw before your state pension date. Also if you are worried about paying too much tax if you have a good private pension, you can have your state pension deferred (in which case your state pension payments will be higher when you decide to draw them). You can log onto the HMRC Website to find out at what age you will receive state pension and how much (not guaranteed). www.gov.uk/check-state-pension If only we knew when our time was up? Tricky thing pensions, Iād hate to die knowing Iād deferred my state pension. I intend spending that and maybe taking less of my private one. At least I can leave the private pension to my heirs.
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Post by Deleted on Jul 19, 2022 9:28:31 GMT
Under the new pension rules it's not worth deferring. You only get 5% extra for every year deferred so you need to claim for 20 years after taking it to make back each year. Under the old scheme it was 10% making it more viable. Under the old scheme C deferred her pension for 2 years as she was still working, as I came under the new scheme I didn't bother.
One big bonus of passing retirement age is that you don't pay NI anymore so a pay rise for Rog next winter.
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Post by Mr Stabby on Jul 20, 2022 16:02:12 GMT
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Post by Deleted on Jul 20, 2022 16:18:03 GMT
I was oout all day yesterday in the sun on the floating electric beer drinking platform. Hydration was the Strongbow dark fruit out of the compressor cool box and water and apricots .
Garlic bread for the staple.
9 hours.overall. Still alive.
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Post by Jim on Jul 20, 2022 16:27:38 GMT
I was oout all day yesterday in the sun on the floating electric beer drinking platform. Hydration was the Strongbow dark fruit out of the compressor cool box and water and apricots . Garlic bread for the staple. 9 hours.overall. Still alive. fruit flavoured cider?šµāš«š¤® I accidentally bought fruit flavoured strawberry and lime ginger beer last week from lidl. Drank it but it's just not right. I don't know, the middle aged of today, they'll be dyeing their beer blue next. A wicked crime.
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Post by Deleted on Jul 20, 2022 16:28:26 GMT
I did feel a little queer earlier and had cardiac arrythmia so could have got heat stroke.
Worse things happen at sea.
Heart attack and dying is not the ends of the world.
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Post by Deleted on Jul 20, 2022 16:31:19 GMT
I was oout all day yesterday in the sun on the floating electric beer drinking platform. Hydration was the Strongbow dark fruit out of the compressor cool box and water and apricots . Garlic bread for the staple. 9 hours.overall. Still alive. fruit flavoured cider?šµāš«š¤® I accidentally bought fruit flavoured strawberry and lime ginger beer last week from lidl. Drank it but it's just not right. I don't not know, the middle ages of today, they'll be dyeing their beer blue next. The strongbow dark fruit (4%) is great boatimg liquid as you can drink it all day and.not.get bollocksed. Not cheap and needs to be cold.
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Post by Jim on Jul 20, 2022 16:32:39 GMT
fruit flavoured cider?šµāš«š¤® I accidentally bought fruit flavoured strawberry and lime ginger beer last week from lidl. Drank it but it's just not right. I don't not know, the middle ages of today, they'll be dyeing their beer blue next. The strongbow dark fruit (4%) is great boatimg liquid as you can drink it all day and.not.get bollocksed. Not cheap and needs to be cold. It does seem to affect your spilling and puncturation though.
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Post by Deleted on Jul 20, 2022 16:35:54 GMT
Thats just the ten year old phone. Screen covered in black marks and 'Swype' keyboard too small..
Trying t get away.from internet addiction inniy
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