Government Tax my Sister In laws pension

CLAPTON

Ladywriter1968 wrote: »

Where did you get the 85 and 53 figures from?

you said her state pension was £85 per week and this year there are 53 payment periods (obviously some years there are only 52)

Ladywriter1968

easy wrote: »

Fine, so everyone should stop paying tax on income after retirement age ??
In that case they should also revert to paying full price for everything - public transport, overdue library books, sight tests, prescriptions etc. etc.
Oh, and as those who are over retirement age tend to be the heavier users of our health services, they can make a flat-rate payment for every doctors and hospital appointment they take, OK?

Surely all the tax they paid over the years themselves would go towards their health costs and all the stuff you mentioned above, cause while they work and pay tax they are not getting anything from it anyway, but when they retire then all that tax they paid in can then go towards their health etc, rather then paying yet more tax out. Just a thought.

I am not a pensioner myself and have 20 years plus to go yet, but I do feel for them to be honest and think they some times get a rough deal. Just my opinion. I dont think that all pensioners are covered actually for these things, I think that my uncle still pays full council tax and full other stuff and he a pensioner. He gets no relief, he is over 80 years old now to. I think he gets a pension from the states when he worked there for a while years back and a state pension here, thats all I know really. Thats all.

Ladywriter1968

CLAPTON wrote: »

OK
surely you know her age?

anyway

her income state pension is 85 x 53 = 4505 per annum
her works pension = 423 x 12 = 5076 per annum
total = 9581 per year
less tax free allowance of 6475 assuming she is less than 65 years old
so that leaves 3,106 taxed at 20% = 621 per annum
or 52 per month

Asked you question previous but ok, I got it, was rushing earlier to go out

mrsinvisible

Regarding your sils pension, if she was born before April 1950 she needs 37 (or 35, not sure which) years of full NI contributions before she can get full state pension. if born after that date it is only 30 years contribution.

Fiddlestick

Ladywriter1968 wrote: »

my sister in law is in her 60's and a couple of years before her job closed down, she had to learn a new computer system, she said, how am I supposed to learn all this at my age.

That sounds like defeatism and a self-fulfilling prophecy.

I helped my best friend's Dad learn how to use a computer in his 60's. I only showed him the basics and he was able to learn how to use a digital camera, Skype, IM and everything else all by himself.

All it takes is the determination to do so and the will to get started

Ladywriter1968

Fiddlestick wrote: »

That sounds like defeatism and a self-fulfilling prophecy.

I helped my best friend's Dad learn how to use a computer in his 60's. I only showed him the basics and he was able to learn how to use a digital camera, Skype, IM and everything else all by himself.

All it takes is the determination to do so and the will to get started

I believe that you can learn at any age, but not everyone thinks that way though really.

LittleMissAspie

Ladywriter1968 wrote: »

Surely all the tax they paid over the years themselves would go towards their health costs and all the stuff you mentioned above, cause while they work and pay tax they are not getting anything from it anyway, but when they retire then all that tax they paid in can then go towards their health etc, rather then paying yet more tax out. Just a thought.

It doesn't work like that though. The government doesn't save up your contributions until you retire, they spend them immediately on the current pensioners. So the tax your SIL paid while she was working paid for people who were pensioners at that time. The tax you and I are paying now, is paying for your SIL and other pensioners.

A recent report says pensioners have received more money from the government than they've paid in taxes:
http://www.bbc.co.uk/news/business-12758367

McKneff

I was in my thirties before I took o levels and early forties
when i did an accounts course and learned to type and late forties
befoe I even looked at a computer.

I enjoy learning new things, even now in my early sixties I keep on learning.

margaretclare

I agree with LittleMissAspie. That's exactly how it works. 'All the tax we paid' while we were working paid for things at the time, not saved up for us for our personal futures. Including sickness benefits for my first husband and his heart disease, like the OP's SIL.

I took a Skills For Life adult numeracy course and carried that on to GCSE Maths, was in my early 70s then. I'm currently learning to swim.

easy

You know, if a shark stops swimming, it dies ...

I believe that if we stop learning, our brains die .

My mother is 80. She bought a laptop in December, had never touched any sort of keyboard in her life, but with a bit of help she's learnt to email, do on-line banking, and shop on-line too. I'm starting her on video messaging soon, so she can talk to and see her grandson every day.

It's never too late....