Was Mortgage Free until 52!!!

bexster1975

Windows guaranteed for 10 years but not the glass?!?!:rotfl: who allows this moronic logic?

Sorry to hear you think your pay is wrong, you are quite right that every little helps. I'm not sure why companies pay an accounts department at all sometimes.

Sorry to hear chromebook is messing you about. Enjoy your £1 breakfast, they have just announced they are closing our Ikea.

Lol! Re: whoopi Goldberg reference!

Last day this week of lots of work, so I'd better go and get ready

Bexster

A_Frayed_Knot

[FONT=Arial, Helvetica, sans-serif]Yup - glass not guaranteed in a double glazed door [/FONT]:rotfl: and further more actually told me that had I bought double glazing windows - then that's the same - not guaranteed :eek: WT?Will see how CAB get on, and if no joy, will post on works media, which around - not even sure how many - at least tens of thousands of employees will see it and hopefully avoid them. However - a waiting game.

Thank goodness I got my double glazed windows elsewhere with a 10 year guarantee and best service, I actually mentioned that one of my handles felt a bit rough after they had finished, and they came and replaced it :j

Shame about your ike@ store, but I do find stores are disappearing fast, a few of my favourites have
already closed Actually not a great fan of ike@, but do buy the odd bits in there.

Enjoy your last day at work:)

Suffolk_lass

Re taking your pension or not - I cannot advise you but the key things are:

1. If you take all of it now, how much would it reduce by, by taking it earlier than your scheme's normal pension age (5% per year is about normal)
2. What is the cost of taking it that much early (eg age 57, 3 years, 15% - multiply your pension to find out the cost of taking it early
3. Then look at the benefit of taking it early - ie, as above 3 years (36 months of £xx.pp) to see how long you need to live to make that a net cost rather than benefit.
4. I am curious why you want to take it all while you are still working part time and have already paid off your debts, including your mortgage. Why do you need it all? If you take all of it I believe you also opt out of your occupational pension if you do this? Does that not remove any entitlement for death in service benefits?
5. If you take part of it, why would you do this now? have you got a major purchase in mind?

A_Frayed_Knot

Thanks SL,

Your points 1,2 and 3 - not taking it early the date it "matures" is around 6-8 weeks away. Although have an option to take 25% tax free and leave the rest. Maybe I used the wrong word "pension" I didn't know I had this up to a couple of years ago and never physically paid anything towards it :think:
Seems I opted out years ago (obviously not knowing what I was doing, and still don't if the truth be told) and the date of retirement (changed days :mad:) was my 60th birthday, which is now only 7 weeks away. The pot is substantial (for me anyway) so a nice bonus.

I was always a good saver (with what I got) but along with that I was always a good lender :eek:
often leaving myself with just enough, but never, ever had any debts. However that will come back to me eventually. So the thought of having the savings I had before buying property and lending is a nice thought and doing improvements if I want, without having to think where the money is coming from.

I have a list of "wants" and a list of "needs" and a list of "to dos" and the sum will help very nicely, thank you very much :j without touching savings

I still have a pension at work, not touching that - for now, this one is a wee bonus.

When your young, not earning very much, a very small spell of unemployment and a few years self employed meant I would never get a mortgage, a property seemed practically impossible (which is why I bought very late in life).

So although not "up there" I feel I have done well in a short space of time, and although could do better in retirement, have seen and heard about so many (especially in my work) who either don't make it to retirement or retire and can't enjoy it.
My dad was 50 yrs when he was retired and luckily was in a fantastic pension scheme, but didn't have the health to enjoy it to the full, and passed away before his 70th birthday, and had a friend in work who paid into pension for 34 years, took ill and passed away at 50 yrs.

Sorry, probably too much info, but probably tells how I feel about the retirement age rising and pensions etc. Enjoy now, while your here and can.

And if things get really bad, I can always sell my 3 bedroom house, which has increased 40% in value since buying 8 years ago and downsize. I'll be alright.

I just wish I understood pensions better.

tattycath

Hey AFK. How are you find the new layout? I’m not feeling the love to be honest, find it hard to navigate. I had to trawl through mortgage free wannabe to find you and I still haven’t found mine :rotfl: 
it doesn’t seem to have a thing for saved threads. I can see I’ve got yours saved but I have no idea where. 

I’m on lunch at the moment... best get back to work 

Suffolk_lass

tattycath said:

Hey AFK. How are you find the new layout? I’m not feeling the love to be honest, find it hard to navigate. I had to trawl through mortgage free wannabe to find you and I still haven’t found mine :rotfl: 
it doesn’t seem to have a thing for saved threads. I can see I’ve got yours saved but I have no idea where. 

I’m on lunch at the moment... best get back to work 

Hey tattycath, I found my stuff under bookmarks up in my top right corner (using a Chromebook). Can't get in on my mac book at all though

A_Frayed_Knot

tattycath said:

Hey AFK. How are you find the new layout? I’m not feeling the love to be honest, find it hard to navigate. I had to trawl through mortgage free wannabe to find you and I still haven’t found mine :rotfl: 
it doesn’t seem to have a thing for saved threads. I can see I’ve got yours saved but I have no idea where. 

I’m on lunch at the moment... best get back to work 

Nor me atm, however like everything else, will get easier with time, I hope.  Just my luck as I also need to get a new

chromebook in the next couple of days, thank goodness they are simple to use (well, this one is) not sure how

my next one will go.  

Hope you enjoyed your lunch.

Not sure how this weather bomb is going to affect us, lets hope it's not as bad as they say it will be.

Am making a start on the re-decoration of my living room, have seen curtains and wallpaper which is a great match, and curtains are half price in the sale.  Happy days, just need to get a pole for my bay window now, and they are rather expensive. 

A_Frayed_Knot

Oh boo, just had a bit more of a nosy around, and found I have "lost" my "bake off" badge.

Things are looking slightly strange, no doubt I'll come across more as I browse about.

A_Frayed_Knot

Suffolk_lass said:

tattycath said:

Hey AFK. How are you find the new layout? I’m not feeling the love to be honest, find it hard to navigate. I had to trawl through mortgage free wannabe to find you and I still haven’t found mine :rotfl: 
it doesn’t seem to have a thing for saved threads. I can see I’ve got yours saved but I have no idea where. 

I’m on lunch at the moment... best get back to work 

Hey tattycath, I found my stuff under bookmarks up in my top right corner (using a Chromebook). Can't get in on my mac book at all though  

Hi SL - Looking for a new chromebook  - any recommendations, the one I have just now is an HP, blue with white keyboard - which I love, nothing like that now.

A_Frayed_Knot

Looks like you cannot amend your comment now.  Was going to say above - well that quote didn't quite work.