The Retirement Thread

[rustybolts]

Morning. Looks like another decent day, and quite mild. Shame I feel too fat and unfit to do much with it. I really need to get a grip on my diet. Even my Garmin tells me I’m stressed and poorly rested after eating too much in the evening

limit your evening intake to apples and water , fill the tank with non fattening stuff ! Keep a diary of activity and food comsumption , write it down in a notebook. Thats what I am doing daily now to try and keep myself on target for marathon on end of october . if you fall off the wagon dont beat yourself up about it. I need a crown for a front incisor and spent a couple of long session in dentists chair and consoled myself with drinking beer and eating soft junk food and no exercise for 4 days. I am now back on the road again , dont be so hard on yourself

 

[Dave7]

Well going back to bed was a waste of time.....didn't sleep a wink. No doubt I will fall asleep mid afternoon🙂

 

[SpokeyDokey]

Quick question for you retired peeps - does your pension come pre taxed or do you have to do a tax return at the end of the year ?
For those of you lucky enough to have more pension than the tax allowance anyway.

Thanks.

I complete a tax return every year mainly due to the fact that my finances are modestly complicated.

HMRC send me a tax coding each year and assign my tax allowance to my pensions on an unfathomable basis. By return I let them know how much to assign or not to assign to each pension. They are very accommodating & helpful.

Doesn't save me any tax but for my own internal accounting procedures it helps a lot.

 

[SpokeyDokey]

That's interesting as Mrs P has recently moved into paying tax. I will investigate. Thanks Tenkaykev 👍

You can also claim ie make the 10% switch retrospectively up to a certain period. So you may still be able to switch for the time Mrs P wasn't paying tax with the caveat that you may only switch the amount of any unused tax allowance up to 10% of the total tax allowance.

 

[welsh dragon]

limit your evening intake to apples and water , fill the tank with non fattening stuff ! Keep a diary of activity and food comsumption , write it down in a notebook. Thats what I am doing daily now to try and keep myself on target for marathon on end of october . if you fall off the wagon dont beat yourself up about it. I need a crown for a front incisor and spent a couple of long session in dentists chair and consoled myself with drinking beer and eating soft junk food and no exercise for 4 days. I am now back on the road again , dont be so hard on yourself

I have to say that apples and water are not very appealing. I don't see any substitutes for cake and coffee.

 

[SpokeyDokey]

Sick to death of the incessant bloody rain - had it all week. Ruined our walking plans yet again.

Off for a Carnic to get out of the house.

Nice viewpoint, hot sausages and Kindles are the plan.

 

[Tenkaykev]

I have to say that apples and water are not very appealing. I don't see any substitutes for cake and coffee.

You could cook the apples and use the water as one of the ingredients to make custard, then combine the lot in an apple crumble, that might work...

 

[Dave7]

I complete a tax return every year mainly due to the fact that my finances are modestly complicated.

HMRC send me a tax coding each year and assign my tax allowance to my pensions on an unfathomable basis. By return I let them know how much to assign or not to assign to each pension. They are very accommodating & helpful.

Doesn't save me any tax but for my own internal accounting procedures it helps a lot.

Can't be ars*d with all that.
Years ago I wrote to HMRC and said "this is what I have, this is what I get in pensions etc". They said thats fine and they haven't bothered me in 10 years.

 

[ebikeerwidnes]

Very windy yesterday

well it was as soon as I put my helmet on - while I was getting ready, opening the shed, putting bag on the rack - and all that - it was totally wind less

then as soon as I was committed the gales started!!!

Headwind - of course

anyway - did 14 miles - would have been more but there was an annoying and worrying creaking sort of noise coming from the thingy or doofa or possibly the whatsit - whenever I put much pressure on the pedals

and it was getting worse - or maybe just annoying me more - so I cut the ride short

today's job it to try to find it - which is more difficult than it might be because the bike has to be moving at > walking speed to generate the sound!!!

anyway - gotta be done!

 

[SpokeyDokey]

Can't be ars*d with all that.
Years ago I wrote to HMRC and said "this is what I have, this is what I get in pensions etc". They said thats fine and they haven't bothered me in 10 years.

All done online via Gov Gateway a/c - takes moments to do.

 

[numbnuts]

I've got a new hand blender yes I know it's only a blender, but little things please me
It's warm today 12c and someone is digging up the road I don't know who they are as there is no writting on their van

 

[Sterlo]

I've got a new hand blender yes I know it's only a blender, but little things please me
It's warm today 12c and someone is digging up the road I don't know who they are as there is no writting on their van

Little things please me, at least that's what my missus says

 

[Mo1959]

All done online via Gov Gateway a/c - takes moments to do.

I tried and didn’t have any of the ID they required so just gave up.

 

[Sterlo]

I tried and didn’t have any of the ID they required so just gave up.

Try again. I had the same issue about a year ago but I tried just before Christmas to get a pension statement and it let me in. I think they've dropped a lot of the red tape as they want more people to use it.

 

[Mo1959]

Try again. I had the same issue about a year ago but I tried just before Christmas to get a pension statement and it let me in. I think they've dropped a lot of the red tape as they want more people to use it.

If I remember the 3 things they wanted was passport, credit card or, bizarrely a NI driving licence. None of which I have. I can’t be bothered phoning them so when it comes time to claim for my state pension in just over 2 years, I will just do it by old school paper and pen.