Bold leap into retirement

pterri

Moonwolf said:

It is today, I’ve set an out of office and handed back my kit. 

I’ll have to buy my own laptop in a few weeks. Gutted. 

kempiejon

pterri said:

Moonwolf said:

It is today, I’ve set an out of office and handed back my kit. 

I’ll have to buy my own laptop in a few weeks. Gutted. 

It was not uncommon, in the last place I worked, to let leavers keep laptops and phone handsets on leaving. We had something like a 3 year replacement scheme so old tech was of little value to the Co. Might it be worth asking?
Current employer wouldn't be that kind.

pterri

kempiejon said:

pterri said:

Moonwolf said:

It is today, I’ve set an out of office and handed back my kit. 

I’ll have to buy my own laptop in a few weeks. Gutted. 

It was not uncommon, in the last place I worked, to let leavers keep laptops and phone handsets on leaving. We had something like a 3 year replacement scheme so old tech was of little value to the Co. Might it be worth asking?
Current employer wouldn't be that kind.

Mine is quite new, less than a year but yep, good point.

FIREDreamer

kempiejon said:

pterri said:

Moonwolf said:

It is today, I’ve set an out of office and handed back my kit. 

I’ll have to buy my own laptop in a few weeks. Gutted. 

It was not uncommon, in the last place I worked, to let leavers keep laptops and phone handsets on leaving. We had something like a 3 year replacement scheme so old tech was of little value to the Co. Might it be worth asking?
Current employer wouldn't be that kind.

Mine (monitor, keyboard, mouse, dumb client pc) were old when delivered from work 5 years ago at the start of scary lockdown 1.

I retired 4 years later in the summer of last year. I still had to take the old kit (at least 8 years old by then) back in to the office on my last day, even though they were practically worthless.

Looking at my figures now, I probably could have retired at the start of that lockdown so I worked over 4 years more than I should.

But you cannot foretell the kindness (or otherwise) of markets and soaring gilt yields enabled the purchase of a joint life annuity with most of my drawdown pot that was sufficient for retirement. The excess funds will be gravy from now on and one year on remain untouched. But I would swap those funds for 4 years more retirement which is effectively where these funds have come from.

With inheritance tax due on these pension monies I may draw down and spend even if I have to pay 40% tax thereon. I will be paying 40% tax from SPA in 6 years anyway (currently have a DB pension and annuity of about £39k so can take about £8k - £10k out at 20% tax for 6 years allowing for some savings interest being taxable).

Smudgeismydog

Moonwolf said:

It is today, I’ve set an out of office and handed back my kit. 

Congrats, how are you feeling?

michaels

kempiejon said:

pterri said:

Moonwolf said:

It is today, I’ve set an out of office and handed back my kit. 

I’ll have to buy my own laptop in a few weeks. Gutted. 

It was not uncommon, in the last place I worked, to let leavers keep laptops and phone handsets on leaving. We had something like a 3 year replacement scheme so old tech was of little value to the Co. Might it be worth asking?
Current employer wouldn't be that kind.

I had worked for my last company for nearly 30 years.  I had a laptop that was worth probably about £100 quid second hand.  I asked if I could buy it (hoping to be offered it as a good will after that many years of service) and the boss said sure, £500.  How I laughed at my younger self for committing blood, sweat and tears to the company for 30 years....

MayDogsandCoffee

I have my kit WFH but as it took them six months to get me a reasonable adjustment chair sent I do wonder how long it will take for them to pick it up !!!  When I don't have to sit at a desk all day every day I want a 'pretty chair'.

Moonwolf

Smudgeismydog said:

Moonwolf said:

It is today, I’ve set an out of office and handed back my kit. 

Congrats, how are you feeling?

A night out last night so hungover.

pterri

Moonwolf said:

Smudgeismydog said:

Moonwolf said:

It is today, I’ve set an out of office and handed back my kit. 

Congrats, how are you feeling?

A night out last night so hungover.

This is me next Friday 

finbaar

MayDogsandCoffee said:

I have my kit WFH but as it took them six months to get me a reasonable adjustment chair sent I do wonder how long it will take for them to pick it up !!!  When I don't have to sit at a desk all day every day I want a 'pretty chair'.

I know I'll keep the big monitor, keyboard, mouse and dock when I go in a couple of years. And I can't see them ever asking for the chair they had to provide as well. The only thing I will have to hand back is the laptop. It's super locked down due to the industry I work in.