The Retirement Thread

[Gunk]

I kind of organise mine with veg at top, meat and frozen meals in the middle and ice cream and deserts at the bottom.
That is until MrsP comes along and outs stuff in there wherever it will fit.😟

Ours is just disorganised chaos, we end up just chucking stuff out

 

[PeteXXX]

My alarm is set for 02:00 for the next two days ☹️

 

[BoldonLad]

Wow three times a week , my lawns think themself lucky if they get done once a fortnight 😂😀

The idea is, I don't have to DO any lawn mowing, the mower will do it, without my involvement. I do expect that I WILL have to intervene to a degree, eg to clean the machine occasionally, but, using my original mower, I needed to charge battery, occasionally clean mower.

It is partly pure indulgence on my part, but, also, hopefully to ease the pressure on my time (caring for Mrs @BoldonLad, who has Alzheimers puts pressure on my time). An added bonus, which I did not foresee, it makes a very neat job, which pleases Mrs @BoldonLad (she was, formerly, the one how cared for the garden) 😂

 

[BoldonLad]

Got the new state.pension rate ...but its a lot less than the headline 4.5%. Hmmmm...
Looking at why, I ventured into my HMRC app and looked through, nothing specific on pension but, PAYE page looks absolutely bananas, an expected pension higher than im actually getting, vast projected income from a private pension i closed before this tax year, so correct tax paid on that....it states I may have an income of £90 k this year (side splitting emoji ). so my tax code is completely awry.

I think im going to have to take advise...

Not wishing to depress you further, but...

When Mrs @BoldonLad retired (18 years ago now), HMRC messed up her tax big time. She received various claims for unpaid tax, at one stage, they claimed she owed them several thousand pounds. Her tax affairs were not complex, State Pension, small private pension, and, an even smaller NHS pension. The fiasco went on for two years, and almost a hundred different Notices of Coding were issued, the high point was receiving four notices of coding in the post, on the same day, each one of them different, and none of them correct. At this stage, she contacted our MP. About two weeks later, she received a telephone call from someone from HMRC who said he had been given the task of sorting it out. A further two weeks later, she received a cheque in the post for overpaid tax of over a thousand pounds, and, a direct telephone number for the gentleman who had 'sorted it", in case of further difficulties.

Good luck 😊

 

[PeteXXX]

<yawn>

 

[numbnuts]

Morning

 

[Paulus]

Good morning all.
A cloudy start to the day here, and it looks like being so all day.
A very trimmed down version of the escape committee meeting today, just one other member and myself will be meeting up in the Mitre this afternoon. 🍺

 

[welsh dragon]

Cooooeeee. 12 deg here. Its dull and overcast and grey but I have a cup of coffee so all is well.

Stay safe peeps

 

[Dave7]

Morning to all.
A damp day ahead.
All jobs have been done and it might be too damp for a walk.....my thumbs will be seriously twiddled .

 

[Dirk]

Morning all

Yay, Fish Friday!
Some TIG welding to do in my workshop this morning, then taking Boo to our local beach, before we have a light lunch at the Star.
Crispys Chippy will be delivering this evening.

 

[Binky]

Morning.
Wet and windy, yuck. Forecast for next week though looks excellent.
Road trip again today to visit parents and sort stuff out.
Idealy back in time for a weights session but somehow doubt it.

 

[BoldonLad]

Being the child I am, couldn’t wait for 10:00am, so, told mower to start at 08:00. It is busy cutting the lawn, as I sit eating my breakfast 😂

 

[ebikeerwidnes]

On the topic of HMRC my wife rang them the other day

Problem was that as she now is officially old get the OAP then that puts her over the taxable income amount for the first time in year

So a few years ago she contacted them to transfer her remaining marriage allowance to me

has to be done over the phone - with a wait time of up to AN HOUR!!! - because she cannot use the online system as she cannot prove who she is
the only acceptable ID she has is her passport which is not enough!!!!

anyway - less of that


so she finally got through to someone (good job we are retired!!) and told him that she need to stop transferring the remailing bit of marriage allowance to me

should be simple

anyway - turns out that her allowance had been transferred previosuly
but only for one year - the "and until further notice" bit had not been actioned
I mean - it was quite clear - why on the name of all the Gods (real and not) would we want it to be for only one year!!


anyway - he then needed some details
like the exact date of her divorce from her second husband (I am number 3) and the full names of both her previous husbands
and the NI number of then
(honestly - her first has probably never earned enough to pay tax based on what she has told me about him!!!)


anyway - most of that was just not available
she could estimate a few thing but I said not to in case it was recorded as "supplied information" rather than an estimate and failed a check!!


but eventually he went off for about 10 minutes with us on hold - and came back saying he had sorted it out
I suspect he went to talk to the one with the brain today
so it was supposedly sorted but we filed it under "give it a few weeks and check"


Anyway - I got 3 emails from HMRC today showing I have tax re-calculations for 3 years

and the owe me nearly £2000!!!


no idea if it is right or not
or for that matter how I will get paid (need to check that out) but sounds like they have sorted something out!!

 

[Mo1959]

Morning. A bit dismal but I managed to find a dry interlude for my wander. I see the Swallows have returned. I think it was the 17th last year I noticed them too.

 

[ebikeerwidnes]

I feel that I should be looking for a chance to go for a ride

but my breathing is just not up to it really
I could go and use the ebike motor to help but I'm not sure I want to

It is just "flem" on my chest - which is getting better - but it is taking its damn time about it!!