Im almost 64 firm expect me to to run about like an 18 year old.

bendix

isplumm wrote: »

The problem is I tend not to believe governments!!

Mark

Which is reason enough - if I ever heard one - for completely ignoring the government when it comes to making plans for your retirement.

Not interested in the state pension at all. Don't want it. Won't take it. !!!!!! them. I'm an adult human being, lucky enough to have been born in the west where opportunities for self-advancement abound. I can look after myself.

harz99

Lavant_Lad wrote: »

Hello all, well as in title really, there are no light jobs at my current company, I ache all over, and my hands are beginning to stiffen up.
All this for £880 a month in hand.
I am seriously considering just walking away !!!!
I have been in gain full employment since I was 15, never been unemployed.
I am married, my wife is 63, we have no savings, and we life in a council flat.
I do get some tax credit + my rent and council tax are reduced.
What should I do? I feel worn out, and the job is really getting me down.
Advise is very welcome, thanks for reading.

Lavantlad, my own advise would be to investigate the possibility of taking your private pension now rather than at 65; together with the possibility of receiving Pension Credit which you and/or your wife may be able claim. Advise on www.direct.gov.uk . You should also check whether taking your private pension and receiving Pension Credit will affect your existing benefits.

If those options are possible and the income sufficient you may then decide to retire early, obviously you will not receive the State Pension until age 65 though.

HTH

ginandtonic1988

marklv wrote: »

For God's sake RETIRE!!!!

At that age you should be doing a sit-down job in some office, not anything strenuous.

I beg your pardon but my father who is in exactly the same position as the other poster would be incappable of working in an office he cannot work a computer, he can barely operate his mobile phone. He has worked hard all his life and cannot afford to retire due to a private WORTHLESS pension he has paid into all his life and then the goverment taxing him on what little bit he draws on. Some people on this board need to experience what it is like living at the bottom of the pile and exisiting on low wages that are just above the benefits threshold, maybe then
they wouldn't be so smug up there on their high horses.

casey_junior

ginandtonic1988 wrote: »

I beg your pardon but my father who is in exactly the same position as the other poster would be incappable of working in an office he cannot work a computer, he can barely operate his mobile phone. He has worked hard all his life and cannot afford to retire due to a private WORTHLESS pension he has paid into all his life and then the goverment taxing him on what little bit he draws on. Some people on this board need to experience what it is like living at the bottom of the pile and exisiting on low wages that are just above the benefits threshold, maybe then
they wouldn't be so smug up there on their high horses.

I totally agree, as for those on a take home salary of £7500 per month, they really have no idea how the low paid live,so are not qualified to talk about this or pass judgement, all the are doing is trolling.
BTW, why was my last post pulled?

bendix

casey_junior wrote: »

I totally agree, as for those on a take home salary of £7500 per month, they really have no idea how the low paid live,so are not qualified to talk about this or pass judgement, ?

How about those who may or may not be taking home £7500 a month but who used to earn nothing and who grew up in poverty?

Are they qualified to comment?

Or is only inverted snobbery allowed a voice on this thread?

zygurat789

bendix wrote: »

Now hold on. Hold on.

I'm chastised for making the reasonable assumption (based on the fact that he has an email address and is posting on a website and is obviously computer literate despite being in his sixties) that he has a PC, and yet you lot get away with the much bigger assumption that he hasn't been able to save for retirement in his 40-50 years of working life, based on no evidence whatsoever, except for the fact that he is currently on a low salary at the end of his career?

I protest.

I suppose the reason for you being so opinionated is in your biography which you published above.
I am well into my sixties and have owned a PC since before they were called PCs. I am not sure wether you could call me computer literate but I get by.
You really should learn a bit of humility, it works wonders or alternatively - grow up.

cyclonebri1

bendix wrote: »

Perhaps all of you who are flying off the handle should pull your head in. If you bothered to read the thread, you will have noticed that the OP has mentioned - and I have commented upon - the fact that he has been contributing to a private pension for 25 years already. Rather than doing the 'let me be a popular hand-wringing liberal softie' it might be more useful to the OP to help him sort that out.

He is 63. Given that he has been contributing to a personal pension for 25 years it completely reinforces my comments that he should have had enough foresight to plan for his retirement rather than relying on the state to help him. Good on him for doing that.

The only advice he needs, it seems to me, is to work out how to leverage those funds to tide him over until he gets state pension. I have already made my comments constructively on that. Has anyone else?

You bleeding heart liberals are all the same. You prefer to make populist but completely useless platitudes in a bid to curry favour, rather than address the real issues.

And I stand by my point. If someone has the disposable income to own a PC, they have the disposable income to save for the future. As a philosophical argument that cannot be refuted.

Unfortunately Bendix you flew off the handle, "as usual", before the op posted all the additional info. What you have posted since then in your defence, is coincedential and nothing else.

I'm sure most folks here have weighed you up.

zygurat789

pelirocco wrote: »

Because of course not only are computers expensive , they cost a fortune to run ( insert roll eyes smiley ) .

For what it's worth I have just received an electricity monitor from my supplier.
It shows about 1p or 2p per hour most of the time.
When I put the TV and the computer on it goes up to 3p or 4p per hour. But when I put the kettle on for a cup of tea - 28P per hour!

bendix

cyclonebri1 wrote: »

Unfortunately Bendix you flew off the handle, "as usual", before the op posted all the additional info. What you have posted since then in your defence, is coincedential and nothing else.

I'm sure most folks here have weighed you up.

You're quite right of course. Opinions are only allowed if they stroke people's opinions and tells them what they want to hear. It's part of the MSE love-in: a wonderful fluffy world where the only posts that are considered relevant are the sickly sweet 'there, there, it's going to be alright dear' type of posts, those that seek to apportion blame everywhere else, except towards the individual.

I really should have realised that by now.

lr1277

Lavant_Lad wrote: »

Hello all, well as in title really, there are no light jobs at my current company, I ache all over, and my hands are beginning to stiffen up.
All this for £880 a month in hand.
I am seriously considering just walking away !!!!
I have been in gain full employment since I was 15, never been unemployed.
I am married, my wife is 63, we have no savings, and we life in a council flat.
I do get some tax credit + my rent and council tax are reduced.
What should I do? I feel worn out, and the job is really getting me down.
Advise is very welcome, thanks for reading.

This might be stupid question of the day, but the 880/month you receive:
is that cash in hand?
or is that after taxes and pension contributions to the government?