**Its the WEEKEND! 23/24 Jan Chat-Please join in!****

clairewop

UK State pensions are available starting from age 65 for men and age 60 for women who were born on or before April 5, 1950. If a woman is born on or after April 6, 1950, then the State Pension age will increase from 60 to 65 between 2010 and 2020. For both men and women, the age will increase from 65 to 68 between 2024 and 2046.

In order to claim a UK State pension, you must have built up enough “qualifying years” in which you have earned enough to pay or been credited with paying National Insurance contributions on your income. Men are currently required to have 44 qualifying years, and women are currently required to have 39 qualifying years in order to receive the full basic UK State Pension.

If you’ve been caring for children or someone long-term and haven’t paid enough National Insurance credits due to your caretaker responsibilities, you may still be eligible under the Home Responsibilities Protection. Home Responsibilities Protection can reduce the number of required qualifying years in order for you to receive the basic UK State Pension given that you reach State Pension age before April 6, 2010. If you reach State Pension age on or after April 6, 2010, the Home Responsibilities Protection is automatically being replaced with National Insurance credits.

Once you reach State Pension age, you can decide to claim your pension right away, claim it later on and receive an increased amount, or agree to a taxable one-off lump-sum payment in addition to the basic State Pension.

Your individual circumstances will dictate the amount received, but as a general guide for 2009-2010, the full basic State Pension is £95.25 a week per single person and £152.30 a week per couple.

Note that there are different rules for UK State Pension eligibility depending on your pension age. If you reach State Pension age before April 6, 2010 and you don't qualify for the full basic State Pension, you can still qualify for a weekly basic State Pension which will disburse between £23.81 per week and £95.25 per week in 2009-2010, given that you have reached 25% or more of the necessary qualifying years.

If, however, you have not reached 25% of the necessary qualifying years, you will not normally be eligible to receive basic State Pension but exceptions do apply. Always check with your local pension centre for more information on your individual circumstances

any good?

SuzySu

Pooky wrote: »

You womble - fancy leaving your life line that far away! We'll need hair piccies

I can only upload piccies via my lappy so.....:o I only took it up to go on here and harvest my crops and didn't end up doing either.....so I'm way behind on the goss and all my crops have withered :mad:

Burlesque_Babe

Buffythedebtslayer wrote: »

Nice car BB , a good choice. glad you got one. must feel good?

feels good that it's all done - feels a bit _pale_ at whether it will be reliable or not, but that's the same for any second hand car.

I'll carry on driving hte hire car until I have to give it back, might as well.

ZTD

Pooky wrote: »

You womble - fancy leaving your life line that far away! We'll need hair piccies

You can't go round calling people "womble"! It's offensive to people with big noses!

You'll get your smilies removed...

ZTD

Burlesque_Babe wrote: »

feels good that it's all done - feels a bit _pale_ at whether it will be reliable or not, but that's the same for any second hand car.

It's the same for some first-hand cars alas - some are never out of the garage...

SuzySu

ZTD wrote: »

You can't go round calling people "womble"! It's offensive to people with big noses!

You'll get your smilies removed...

That's ok Z....she's seen my profile pic on FB

littlemisschocolate

I love the car BB!

The new TV is installed and man it's huge - I've been watching tv on a portable for the past week.

Anyone fancy helping me put my shopping away once it's delivered later?;)

clairewop

no thanks just cleaned through while dh and ds2 were over the park,the house looked like a bomb had hit it

my hip is hurting again now

Buffythedebtslayer

katsu wrote: »

Buffy,

Sorry your day is stressful. Could you go do marking at the library one saturday for a change of scene? Hope that is not a silly suggestion.

I'm currently writing emails to CD WOW, about how they are not wow-ing me by not delivering my CD. I think I was beeing too MS by shopping with them...

The library shuts at four and that is just after they come over. I have done it a couple of times and taken a slow long walk home!! again tho Mum gets upset. Not a silly suggestion at all xxxx

I don't really want to talk about it any more its only really annoyed me today cos of other stuff.sighs. there will be a way out I am sure.

Lou I am going to get ready in a bit promise! No idea what to wear.

Its pub, dinner and a bar with cocktails. don't think jeans are going to cut it.

I have a black dress, boots, tights option. with some kind of pointless handbag. I really want a snog tonight - Sammy come and tell me to snog a random bloke - it worked last time!!

Technically given the tumble weed state of my bank account I shouldn't be going out at all but you can sod that for a game of soldiers.

ghostmadlittlemiss

Evening all,

I'm sat here feeling sorry for myself at the mo. I've had to cancel a night out with a friend because I can't afford it. It might've been doable if someone else was leaving at the same time as me. But they want to stay out until the crack of dawn whereas I'd be going home at midnight, 1 at the latest. Which means I'd need a taxi to myself and since after getting my car back from the garage (%*&^ing gasket, nuff said), I've got £35 to last me 'til next Fri. Plus, I stupidly dry-swallowed my Prozac last night because I couldn't be bothered to get a glass of water and my throat still hurts, like it's stuck there. All in all, a night on the town is the last thing I want but I hate letting my friends down.
Kayleigh