The Retirement Thread

[Mo1959]

Morning all.

Yay...its Fish Friday!

Checked my state pension forecast on Gov.UK yesterday.
Think I'm going to buy some missing years of NI contributions since I retired early. Did the figures and it seems like a no brainer as far as return on investment goes. Will double check over the weekend and sort it out on Monday.

I'm hopeless with financial stuff. I paid NI contributions for 34 years. I presume that is enough for the full pension?

Just googled it. Seems to be 35 you need. I had just over 34 so shouldn't make much difference.

 

[Deleted member 1258]

Good morning folks, late on parade today, I've been talking cars with our lad via messenger, he's interested in this

https://www.autotrader.co.uk/classi...OxJ0QQyQXW09ORzllS4w-5gJxxyWUNkGKuZhFL_sTWbMk

I suspect he doesn't need anything that big but it looks a nice old bus.

 

[Dave7]

Good morning. Bloomin cold here but not wet or rainy so that's a big plus in anyone's book.

You will have to stop using rude words like "blumin". There are innocent people like me on here.

 

[welsh dragon]

You will have to stop using rude words like "blumin". There are innocent people like me on here.

You? Innocent?

 

[Dave7]

Morning all.

Yay...its Fish Friday!

Checked my state pension forecast on Gov.UK yesterday.
Think I'm going to buy some missing years of NI contributions since I retired early. Did the figures and it seems like a no brainer as far as return on investment goes. Will double check over the weekend and sort it out on Monday.

We did that for MrsD and, as you say, its a no brainer........... so long as you make sure you don't peg out the day after you pay it

 

[Dave7]

Good morning folks, late on parade today, I've been talking cars with our lad via messenger, he's interested in this

https://www.autotrader.co.uk/classi...OxJ0QQyQXW09ORzllS4w-5gJxxyWUNkGKuZhFL_sTWbMk

I suspect he doesn't need anything that big but it looks a nice old bus.

I had a few Mondeos and they were all good.......can't recall any problems with any of them.
I didn't check if this one is diesel but if so and if its got a decent service history then its good for a lot more the 97k miles.
One bit of advice that was given to me was "if the engine has done 97,000 then so has every other part".

 

[Dave7]

You? Innocent?

Well I was once upon a time.

 

[Deleted member 1258]

I had a few Mondeos and they were all good.......can't recall any problems with any of them.
I didn't check if this one is diesel but if so and if its got a decent service history then its good for a lot more the 97k miles.
One bit of advice that was given to me was "if the engine has done 97,000 then so has every other part".

Its a petrol.

 

[Deleted member 1258]

Well I was once upon a time.

Weren't we all a long time ago.

 

[Dave7]

Morning all, hope everyone is feeling good today.
A decision has been made. We are converting the main bathroom to have a walkin shower. We had the whole bathroom done up about 8 years ago but tbh didn't think ahead enough. This gammy back and sciatica has made us re-think. We have priced everything up via the main bathroom type stores but are off th B&Q to double check. Already arranged for Mr Fixit to do the job in 3 weeks(ish).

 

[Dave7]

Its a petrol.

Ahhhh in that case I don't know. TBH what I know about car mechanics can be written on a matchbox but 97k for a petrol seems possibly a bit on the high side unless its got a good service history.
My Bro has a petrol Focus from new and clocked up nearly 200K on it before it died. Service history is imo vital.

 

[Mo1959]

Morning all, hope everyone is feeling good today.
A decision has been made. We are converting the main bathroom to have a walkin shower. We had the whole bathroom done up about 8 years ago but tbh didn't think ahead enough. This gammy back and sciatica has made us re-think. We have priced everything up via the main bathroom type stores but are off th B&Q to double check. Already arranged for Mr Fixit to do the job in 3 weeks(ish).

Desperately needing mine done too. Trying to get a tradesman around here is like finding hen's teeth.

Mine is absolutely ancient and has been needing done for years. It's a small bathroom so thinking about doing away with the bath and have a shower cubicle instead.......not getting any younger myself.

 

[Dave7]

Desperately needing mine done too. Trying to get a tradesman around here is like finding hen's teeth.

Mine is absolutely ancient and has been needing done for years. It's a small bathroom so thinking about doing away with the bath and have a shower cubicle instead.......not getting any younger myself.

This bathroom is not big. Door to wall is approx 2 mtrs. We are having a 1700mm tray with 1200mm screen. We are having the walls done in this newish board** type stuff. Looks good and far cheaper than tiling.
So for the tray, screen, actual shower and all the boarding etc comes to approx £1,200.
**we had the downstairs bathroom done in that so I can post you a photo if you wish.

 

[Mo1959]

This bathroom is not big. Door to wall is approx 2 mtrs. We are having a 1700mm tray with 1200mm screen. We are having the walls done in this newish board** type stuff. Looks good and far cheaper than tiling.
So for the tray, screen, actual shower and all the boarding etc comes to approx £1,200.
**we had the downstairs bathroom done in that so I can post you a photo if you wish.

Was thinking of wet wall myself. I believe it can actually be put on top of the horrible existing tiles rather than risk taking them off and maybe needing plastering if there is any damage. I have a good plumber just round the corner but he's always up to his eyes. I will pester him again.

 

[Dave7]

Was thinking of wet wall myself. I believe it can actually be put on top of the horrible existing tiles rather than risk taking them off and maybe needing plastering if there is any damage. I have a good plumber just round the corner but he's always up to his eyes. I will pester him again.

Yes, thats what we are doing. You need special adhesive plus ends and other bits but they dont cost much.
Your plumber will need to be a good all rounder.......imo the actual pluming is only a part of the job.
BTW......re your pension. To my knowledge 35 years contributions will get you a full pension.