The Retirement Thread

[Dirk]

I'll be short too but not sure I want to spend thousands now for £25 per month later that you don't even know how long you will be around for. I think I'll be happy enough with what I'll get.

I paid 5 years NI to make up the shortfall and MrsD has just paid for 6 years (she gets her state pension next April).
It's an absolute no brainer - you get approximately 30% return on the capital invested, and your capital back, after approximately 3 years.

 

[PaulSB]

I'll be short too but not sure I want to spend thousands now for £25 per month later that you don't even know how long you will be around for. I think I'll be happy enough with what I'll get.

In our case it's £25 a week. For Mrs P the return on investment is 41% per annum for life. It's worth a look Mo.

 

[Dirk]

In our case it's £25 a week. For Mrs P the return on investment is 41% per annum for life. It's worth a look Mo.

It made a difference of about £30 a week for me.
Not to be sneezed at.

 

[PaulSB]

I paid 5 years NI to make up the shortfall and MrsD has just paid for 6 years (she gets her state pension next April).
It's an absolute no brainer - you get approximately 30% return on the capital invested, and your capital back, after approximately 3 years.

Almost exactly mirrors Mrs P's situation.

 

[classic33]

Nice all day here but not exactly warm. Better make the most of it as it's all downhill again.

View attachment 611357

That's the way, look on the bright side!

 

[welsh dragon]

I am going to get a small pension next March as I am short of contributions. First I stayed at home for 6 years having my kids then worked part time for another 6 before going back full time. I didn't know part time work didn't contribute to your pension. Good job I have a small private pension as well.

 

[welsh dragon]

Well the rain stoped and I have some washing on the line. For how long I'm not sure

 

[numbnuts]

I've been shopping, I was going to go tomorrow, but weather man say drizzle so as the sun was out I went.
Oh I have self rasing flour now, I feel a cake coming on

 

[welsh dragon]

That's the rain started again. Luckily I got my washing in and managed to get it more or less dried. More dried than less

 

[pawl]

Just had a a short bimble it was hard Hill I usually go down at 30+MPH i had to pedal to manage 15 MPH

Didn’t realise how windy it is until I got into the open countryside

 

[Dave7]

Didn't know that you spoke Welsh.

Yaki da

 

[Dave7]

Pleased to read that the new Bond film is getting good reviews but I fear it will have finished its cinema run long before I feel able to visit any cinema again. I can only hope they do a second cinema run in a year or two’s time.

I am with you on that.
Someone gave us a £25 Odeon gift voucher but I can't see us ever using it.

 

[numbnuts]

I can speak Welsh to
"Do you go to chapel on Sundays boyo"

 

[Deleted member 1258]

I am going to get a small pension next March as I am short of contributions. First I stayed at home for 6 years having my kids then worked part time for another 6 before going back full time. I didn't know part time work didn't contribute to your pension. Good job I have a small private pension as well.

My Good Ladies the same, she gets about 40% of the state pension.

 

[gavroche]

Good afternoon. I am just back from the optician and all is well except for the beginning of cataract developing but not enough to worry about yet.
Quite windy again today and getting cooler too.
No idea what I am going to do next although thinking of going for a ride but seem to be lacking the motivation to do so. Not feeling guilty about it as I went on Monday and I usually do only 2 or 3 rides a week so plenty of time left still although rain is forecasted for the rest of the week.
My son is due back from Tailand today. He flew through Istanbul this time instead of Dubai. Very much looking forward to seeing him again as he has been away since the middle of July.
When I walked past the petrol station this morning on my way to the opticians, I noticed that queues were still forming. Idiots as they are the ones creating the shortage. People will never learn.