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Nice People Thread No. 15, a Cyber Summer

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Comments

  • Jazee
    Jazee Posts: 9,477 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Thanks for all the pointers on the pension and for Pastures starting off the conversation - don't think it will be deleted now! I'll be looking at the link once it's active again.
    Spend less now, work less later.
  • ivyleaf
    ivyleaf Posts: 6,431 Forumite
    Part of the Furniture 1,000 Posts
    As I understand it (unless the rules have changed recently) you can make up NI contributions for the most recent six years, but not further back than that.

    I hope that makes sense. I know what I mean :D
  • LydiaJ
    LydiaJ Posts: 8,083 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    Pyxis wrote: »
    I started a thread the other day suggesting the use of some classical Latin poetry for upcoming Valentine's Day, (with my tongue firmly in my cheek, I should add, so shh! Pastures! :D ), as I wanted to test the reaction, naughty me, and also to winkle out any closet classicists that there might be in the Arms.

    :rotfl: :rotfl: :rotfl:

    There aren't any! :rotfl:

    By the way, those Classical Latin poets were a right racy lot, some of it should be X-rated, although we only got given the milder love poems at 'O' Level. Wonder why? :D

    Yes, very racy. They were the pron of their day. We only had the milder ones for O-level too.
    silvercar wrote: »
    Disagreeing. I planned for them to be a few years apart so they wouldn't be at the same stage at the same time.

    Theory is good but doesn't always work out. Turned out that DS1 was doing his masters (no funding at all, not even for fees) while DS2 was in his final year at private school. I'd never really planned on sending to private school at the baby planning stage. That was the killer year.

    I'm currently paying £30/week term time only for DS's English tutor (because he's dyslexic) and £1000/year for DD's school bus (because her school is 9 miles away and the ordinary buses don't have any routes that go there from where we are). I can only imagine it's going to get more expensive as they get older... :eek:
    Masomnia wrote: »
    I've been feeling very down the past week or so. It's all starting to take its toll. Been trying to find temp work for a bit of money and something to occupy me apart from endless applications, but even that is proving difficult without getting my foot in the door somewhere. I really don't know what to do :(

    Sending hugs
    hugging.gif
    Do you know anyone who's bereaved? Point them to https://www.AtaLoss.org which does for bereavement support what MSE does for financial services, providing links to support organisations relevant to the circumstances of the loss & the local area. (Link permitted by forum team)
    Tyre performance in the wet deteriorates rapidly below about 3mm tread - change yours when they get dangerous, not just when they are nearly illegal (1.6mm).
    Oh, and wear your seatbelt. My kids are only alive because they were wearing theirs when somebody else was driving in wet weather with worn tyres.
    :)
  • LydiaJ
    LydiaJ Posts: 8,083 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    silvercar wrote: »
    Thanks. I have used WBAC in the past to get a quote and then managed to get the dealer to match that as a trade in fairly easily.

    Yesterday this dealer wouldn't match WBAC, so I was wondering if it was worth actually doing the deal with WBAC or accepting a lower price from the dealer. Be much less hassle to trade in.

    Last time I traded in a car (completely undriveable (sp?) and fit only for scrap) I got a surprisingly good trade in value for it that was clearly more than it was worth. The following day I got a text from the salesman that... err... indicated his ulterior motives for giving me such a good deal. :rotfl:
    vivatifosi wrote: »
    I thought you were going to say loads of wives, all of whom were smarter.

    Love it! :rotfl:

    V busy here. Lots of stuff going on at my school (parents' evenings, full teaching staff twilight session, two Saturday things, etc) DD's school (concert) and DS's school (parents' evening, meeting for parents of high base line students) and at home (continuing therapy for each of us individually plus all of us as a family, further attempts to sort the house out, etc). Thursday's my late start - just need to fit in a phone call to make a solicitor's appointment (with the new one, who's finally got the files from the old one) and I'll be off to work.
    Do you know anyone who's bereaved? Point them to https://www.AtaLoss.org which does for bereavement support what MSE does for financial services, providing links to support organisations relevant to the circumstances of the loss & the local area. (Link permitted by forum team)
    Tyre performance in the wet deteriorates rapidly below about 3mm tread - change yours when they get dangerous, not just when they are nearly illegal (1.6mm).
    Oh, and wear your seatbelt. My kids are only alive because they were wearing theirs when somebody else was driving in wet weather with worn tyres.
    :)
  • PasturesNew
    PasturesNew Posts: 70,698 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think I'm "sketchy" about how much of a year's contributions count to be a full year.... e.g. from age 15-18 I worked full-time in all the holidays through temp agencies. Would those years count?

    And what of the years where I was working sometimes, but not a whole year, but not signing on (as I never did - if I was between jobs I'd just make do and expect something to turn up soon).

    So working out how many years I've got isn't straight forward.

    If I'd started in a job aged 18 and had worked in a few jobs back to back over the years it'd be easy .... add 35 to 18 and the years are done by age 53.

    But when it's all a bit "flakey" .... it gets difficult.
  • michaels
    michaels Posts: 29,141 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I think I'm "sketchy" about how much of a year's contributions count to be a full year.... e.g. from age 15-18 I worked full-time in all the holidays through temp agencies. Would those years count?

    And what of the years where I was working sometimes, but not a whole year, but not signing on (as I never did - if I was between jobs I'd just make do and expect something to turn up soon).

    So working out how many years I've got isn't straight forward.

    If I'd started in a job aged 18 and had worked in a few jobs back to back over the years it'd be easy .... add 35 to 18 and the years are done by age 53.

    But when it's all a bit "flakey" .... it gets difficult.
    Almost certainly best to wait until the gov website is back up. You may well have more than you think because of SERPS, S2P.
    I think....
  • chris_m
    chris_m Posts: 8,250 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    I think I'm "sketchy" about how much of a year's contributions count to be a full year.... e.g. from age 15-18 I worked full-time in all the holidays through temp agencies. Would those years count?

    I "think" 16-18 is credited anyway, so not sure if your having worked and paid in would count or not.

    The best way to find out is to look on the pensions forecast site, when it becomes available again, because that includes a section showing your entire NI record - albeit only to the extent of each year being paid-up or not.
  • chris_m
    chris_m Posts: 8,250 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    LydiaJ wrote: »
    Last time I traded in a car (completely undriveable (sp?) and fit only for scrap) I got a surprisingly good trade in value for it that was clearly more than it was worth. The following day I got a text from the salesman that... err... indicated his ulterior motives for giving me such a good deal. :rotfl:

    Ulterior motives from a salesman? surely not :rotfl:

    I do hope it was nothing more sinister than being desperate for a sale before the month/year end cutoff arrived ;)
  • ivyleaf
    ivyleaf Posts: 6,431 Forumite
    Part of the Furniture 1,000 Posts
    chris_m wrote: »
    I "think" 16-18 is credited anyway, so not sure if your having worked and paid in would count or not.

    The best way to find out is to look on the pensions forecast site, when it becomes available again, because that includes a section showing your entire NI record - albeit only to the extent of each year being paid-up or not.


    Ooh, i didn't know that! Thanks for the info. I also need to download a couple of forms for claiming NI credits for some years, when OH eventually puts away all the boxes from the cupboard under the stairs - he got them all out 2 weeks ago when we had new meters installed, but he needs to sort through them and (in theory) get rid of the stuff we won't need again, and it feels like too big a job so he hasn't managed to start it.

    Unfortunately I can't help with it, as I had surgery recently and can't lift or move anything remotely heavy.

    Anyway, all these boxes are neatly stacked in front of the workstation where the printer lives :(
  • mystic_trev
    mystic_trev Posts: 5,434 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 2 February 2017 at 12:31PM
    chris_m wrote: »
    I "think" 16-18 is credited anyway, so not sure if your having worked and paid in would count or not.

    Yes it is.

    I retired at the grand old age of 42, just over 20 years ago.:D

    I did a review of my State Pension around ten years ago, and found to my surprise I was only 3 years short for my full State Pension. Then it was 30 years, so I bought the three missing years.

    42 - 27 = 15. So it must be something to do with Tax Year dates as well.

    Edit - Here's my original post on the Pensions board!

    http://forums.moneysavingexpert.com/showpost.php?p=5160560&postcount=32
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