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Old 13 Dec 2017, 06:55 (Ref:3786760)   #3631
John Elwin
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John Elwin should be qualifying in the top 10 on the grid
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Originally Posted by Mike Bell View Post
Or another viewpoint........ take everything you're due as soon as, while you can still enjoy spending it!
Pretty much the advice I was given when I pondered delaying it.
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Old 13 Dec 2017, 06:56 (Ref:3786761)   #3632
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John Elwin should be qualifying in the top 10 on the grid
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I read and interesting book on that subject Attachment 50843

Does it have a happy ending, Gordon?
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Old 13 Dec 2017, 07:14 (Ref:3786767)   #3633
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Pretty much the advice I was given when I pondered delaying it.
Yup, same here.....
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Old 13 Dec 2017, 08:29 (Ref:3786775)   #3634
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GORDON STREETER is going for a new lap record!GORDON STREETER is going for a new lap record!GORDON STREETER is going for a new lap record!GORDON STREETER is going for a new lap record!GORDON STREETER is going for a new lap record!GORDON STREETER is going for a new lap record!
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Originally Posted by John Elwin View Post
Does it have a happy ending, Gordon?
YUP !Click image for larger version

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Old 13 Dec 2017, 13:46 (Ref:3786827)   #3635
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terence should be qualifying in the top 10 on the gridterence should be qualifying in the top 10 on the grid
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Yes. Capachino for me and I will be 65 next March . Going to spend all my pension money on motor racing 😀Interesting about Concorde programme I would like to watch that . My customer and friend who lets me drive his collection of Lola 's was a 747 pilot . He got asked to train for Concorde but declined .
Ian,dont bother with the online crappy pages!!
Phone them up,it IS far simpler and faster.You should have hsd a letter telling you of this already?
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Old 13 Dec 2017, 15:00 (Ref:3786835)   #3636
Tim Falce
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Tim Falce is going for a new world record!Tim Falce is going for a new world record!Tim Falce is going for a new world record!Tim Falce is going for a new world record!Tim Falce is going for a new world record!Tim Falce is going for a new world record!Tim Falce is going for a new world record!
One thing about claiming your state pension then keeping working is you don't actually see your pension as it all goes back as tax, I suppose the only slight positive is you no longer pay NI
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Old 13 Dec 2017, 15:30 (Ref:3786842)   #3637
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grantp should be qualifying in the top 5 on the gridgrantp should be qualifying in the top 5 on the grid
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One thing about claiming your state pension then keeping working is you don't actually see your pension as it all goes back as tax, I suppose the only slight positive is you no longer pay NI

Ah but Tim, with 1414 days to go there is still plenty of time for the "rules" to change.

Again.

Iain should be on a home run though. Just gets in a few months before the age starts to creep up to 66.
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Old 13 Dec 2017, 15:41 (Ref:3786844)   #3638
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delta should be qualifying in the top 5 on the griddelta should be qualifying in the top 5 on the griddelta should be qualifying in the top 5 on the grid
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Ian,dont bother with the online crappy pages!!
Phone them up,it IS far simpler and faster.You should have hsd a letter telling you of this already?
Sounds like good advice. Thanks Tel.
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Old 13 Dec 2017, 16:37 (Ref:3786850)   #3639
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Ah but Tim, with 1414 days to go there is still plenty of time for the "rules" to change.
Like when they shafted my wife, giving her about 18 months notice that they'd delayed her pension by 6 years yet the ******* that did it retired a few months ago at 60
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Old 13 Dec 2017, 17:45 (Ref:3786864)   #3640
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grantp should be qualifying in the top 5 on the gridgrantp should be qualifying in the top 5 on the grid
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Like when they shafted my wife, giving her about 18 months notice that they'd delayed her pension by 6 years yet the ******* that did it retired a few months ago at 60
Same here.

It gets worse because her 2 and a bit years older sister took an early retirement option years ago, then went back to a part time role. Now retired again and seemingly very well off.

As sisters they have never been exactly close. They seem to wind each other up without too much effort, although it is all generally quite civilised.

The retirement situation - especially the second retirement falling before the clever politicians changed everything - is a significant factor in that friction as far as my management is concerned.

I try to keep out of it and generally succeed.
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Old 13 Dec 2017, 18:14 (Ref:3786872)   #3641
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delta should be qualifying in the top 5 on the griddelta should be qualifying in the top 5 on the griddelta should be qualifying in the top 5 on the grid
I dont think Mrs Delta will let me spend any of her pension "when she gets it" on motor racing ./Very selfish.Its a bit like Christmas, I go out of my way Christmas eve and pop in to local BP garage ,buy her loads of things and she just sulks all over the Christmas period. I mean flipping heck.
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Old 13 Dec 2017, 18:24 (Ref:3786876)   #3642
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It does not apply to the State Pension, however, when I worked for a major Life company a clever colleague worked out that if took a reduced pension with an annual increase, it would take 16 years before you had received the same amount as the maximum without the increase, You should live so long!
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Old 13 Dec 2017, 18:27 (Ref:3786878)   #3643
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grantp should be qualifying in the top 5 on the gridgrantp should be qualifying in the top 5 on the grid
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I dont think Mrs Delta will let me spend any of her pension "when she gets it" on motor racing ./Very selfish.Its a bit like Christmas, I go out of my way Christmas eve and pop in to local BP garage ,buy her loads of things and she just sulks all over the Christmas period. I mean flipping heck.
Well, if a gallon of 10w/30 and new set of spark plugs won't win her round, what would?

Have you considered white goods? Maybe a new mangle or something?

A year's supply of TV remote batteries?

I thought about putting the TV licence in a card this year. Then remembered I don't do cards....
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Old 13 Dec 2017, 18:30 (Ref:3786879)   #3644
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John Elwin should be qualifying in the top 10 on the grid
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Well, if a gallon of 10w/30 and new set of spark plugs won't win her round, what would?

Have you considered white goods? Maybe a new mangle or something?

A year's supply of TV remote batteries?

I thought about putting the TV licence in a card this year. Then remembered I don't do cards....
Can you still buy oil & spark plugs from a petrol station? I thought you had to go to a supermarket for those, even though you can buy your groceries & dead flowers at the petrol station.

It's an upside-down world...
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Old 13 Dec 2017, 19:12 (Ref:3786891)   #3645
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Mike Harte should be qualifying in the top 5 on the gridMike Harte should be qualifying in the top 5 on the gridMike Harte should be qualifying in the top 5 on the grid
My father and I spoke quite often about his private pension as I went into financial services about 10 years after he retired.

He woke up when he reached 64 and realised that he hadn't organised a pension for his upcoming retirement. So, he called in a broker and the broker got him a cracking deal (those days are long gone) with, I think, Standard Life whereby if he paid £25,000 a year for three years, then in the 4th year they would provide him with a tax free cash sum of about £25,000, plus a starting pension of around £11,000 p.a., with an annual escalator bonus.

I think that they miscalculated dreadfully. But they dutifully paid out. However, I don't think that they had expected him to live until he was 94. So every year around his birthday we would joke that this would be the year that the insurance company would send a hit man to rid them of this growing debt. His last payment was in excess of £19,000, and over the years they were enough to cover his annual round the world cruise.
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