monday the ablation pressure compresses the pineapple's core

[Stevo 666]

I'll definitely be paying tax on it but it certainly won't make me worse off!

The only thing I can suggest is that if your annual income is somewhere around the 40% threshold and you have a (non-final salary) pension scheme where you can decide the amount that you draw down each year, you can try to keep your total income below the rate at which you pay 40% tax. But yep, you won't be worse off in any event.

 

[wakemalcolm]

I wish - started collecting a small final salary pension at the start of this year when I turned 60 and they're deducting tax at source from the payment at my marginal rate. Will someone think of the pensioners! 🙂

Before Dorset Boy joins the chat: what rate would you think is appropriate? 😉

 

[Stevo 666]

Before Dorset Boy joins the chat: what rate would you think is appropriate? 😉

For me, a rate of zero is appropriate but back in the real world...

 

[VinSumRox]

The only thing I can suggest is that if your annual income is somewhere around the 40% threshold and you have a (non-final salary) pension scheme where you can decide the amount that you draw down each year, you can try to keep your total income below the rate at which you pay 40% tax. But yep, you won't be worse off in any event.

Thanks for that, but it's state pension plus NHS pension so no flexibility there. I don't have a problem with paying tax as long as it's right!

 

[Webbo2]

Thanks for that, but it's state pension plus NHS pension so no flexibility there. I don't have a problem with paying tax as long as it's right!

You might find you don’t get the full state pension due to being in the NHS pension scheme.

 

[VinSumRox]

You might find you don’t get the full state pension due to being in the NHS pension scheme.

Correct , I was on the contracted out rate, but I also paid up for an extra few years after I retired , so it isn't too bad.

 

[Webbo2]

Correct , I was on the contracted out rate, but I also paid up for an extra few years after I retired , so it isn't too bad.

Same here Mrs W worked out if we paid the extra and I survived 18 months I would be in profit. However I still don’t get the full rate.

 

[Stevo 666]

Thanks for that, but it's state pension plus NHS pension so no flexibility there. I don't have a problem with paying tax as long as it's right!

Actually thinking about it, you could always move South of the border and save a few quid

 

[VinSumRox]

Actually thinking about it, you could always move South of the border and save a few quid

Indeed!

 

[cyberknight]

Anybody heard from @cyberknight

Last seen on here a month ago...

Hello
I have had a rough time of late and had to go back to the doctors for anti depressants, i was really low all the time with my knee issues, the issues with the house and the ongoing health issues of mrs ck and mini ck 1 .
Just got back from a short break that did me a lot of good and had a bit of retail therapy as lloyds cycles had a disc road bike for sale second hand that is my size so i treated myself , its 10 years old and i probably overpaid but it gives me something to take my mind off everything .

 

[Webbo2]

Hello
I have had a rough time of late and had to go back to the doctors for anti depressants, i was really low all the time with my knee issues, the issues with the house and the ongoing health issues of mrs ck and mini ck 1 .
Just got back from a short break that did me a lot of good and had a bit of retail therapy as lloyds cycles had a disc road bike for sale second hand that is my size so i treated myself , its 10 years old and i probably overpaid but it gives me something to take my mind off everything .

You take care young man. You do right treating your self, sometimes you need to put yourself first.

 

[oxoman]

Hello
I have had a rough time of late and had to go back to the doctors for anti depressants, i was really low all the time with my knee issues, the issues with the house and the ongoing health issues of mrs ck and mini ck 1 .
Just got back from a short break that did me a lot of good and had a bit of retail therapy as lloyds cycles had a disc road bike for sale second hand that is my size so i treated myself , its 10 years old and i probably overpaid but it gives me something to take my mind off everything .

Take it easy and yes knowing Lloyds you possibly did, but there pretty good for looking after you. Take care.

 

[Stevo 666]

Hello
I have had a rough time of late and had to go back to the doctors for anti depressants, i was really low all the time with my knee issues, the issues with the house and the ongoing health issues of mrs ck and mini ck 1 .
Just got back from a short break that did me a lot of good and had a bit of retail therapy as lloyds cycles had a disc road bike for sale second hand that is my size so i treated myself , its 10 years old and i probably overpaid but it gives me something to take my mind off everything .

Good to see you back CK.

 

[cyberknight]

Laid a tile floor in the hallway plus door strip's so far and halfway through some wallpapering.
Replaced a lampshade left by the old lot and thought the bulb looked a bit wonky and found the tabs that hold the bulb in on the light is missing one tab so the bulb is only just hanging on so I have had to take the bulb out and I will have to replace the fitting tomorrow.