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I'm telling you that my state pension is not better than my private one. You can choose to not listen to me if you want to, but I'm telling you that is the truth.
I'm telling you that my state pension is not better than my private one. You can choose to not listen to me if you want to, but I'm telling you that is the truth.So you have a private one paying in more than a state one is worth?
As I said you need to have 100k to get about 4.3k a year. And that is at retirement age. If you have a state one it would build up quickly. If you are on 30k state wage that is about £500 a year pension. Less than 9 years to get 4.3k. Could you build a 100k pot up in the private sector in less than 9 years?
And there is no risk in the state pension. All the risk is with you in the private sector pension with money purchase.
Not long this time.Do you understand how long it takes to run an election?
How can they complain though as I guess they know the pay before going into those jobs.average wage of a primary school teacher - £25,777
average wage of a secondary school teacher- £29,593
Average wage of a nurse - £24,588
Average wage of a Police constable - £30,933
Average wage of a fireman - £29360
Average wage of a social worker - £29,167
Average wage of a prison officer - £27,972
Who'd want to work in the public service
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Does Boris understand how long it takes to get Brexit done?Do you understand how long it takes to run an election?
I doubt very much the average public sector worker leaves on £50k+. That would be a head of service/senior manager role.Of course it is true. If it is 1/60 Or better and average wage it is still a good pension. That is nearly 2% of your annual wage as pension each year. 30 years service is half the average wage.
Or shall we go to the average pot in the public sector? The average pot is just over 100k for a man and just over 70k for a woman.
A 100k pot would get you about £4,300 a year.
Public sector....start on 30k end on 50k...most probably more.......average somewhere about 38k depending on when pay rises are. 30 years at 1/60 would be a pension of approx 19k. This would be index linked. It would also provide a pension of about 50% for a surviving spouse. But each scheme has its own rules.
We can go into fine details if you like. It is a subject I am very clued up on.
I believe you.I'm telling you that my state pension is not better than my private one. You can choose to not listen to me if you want to, but I'm telling you that is the truth.
So someone on 30k now will be on 30k when they retire? Not at all. Inflation will make it much more.I doubt very much the average public sector worker leaves on £50k+. That would be a senior manager role.
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So someone on 30k now will be on 30k when they retire? Not at all. Inflation will make it much more.
I know a couple people recently retired from public sector after 30 years, one final salary was £24k and the other £37k, the later was a manager. Both have had to work longer because of the change in pension rights. And my inlaws retired mid 50's and have a far superior private pension, and he never managed anyone, manual skilled worker. 4 holidays a year new car every 2, expensive golf membership, out every friday and Sunday drinking, meals etc.So someone on 30k now will be on 30k when they retire? Not at all. Inflation will make it much more.
Exactly.and it’s value the same...
Exactly.
Now you realise how much we got shafted by Labour and Brown.
I had to do a lot of planning on mine. I thought I knew nearly everything until I started doing it. Now it is going up nicely. I look after a part of it myself and the rest is gaining a guaranteed 3% without fees.
It all looks complicated but if you can add up and understand financial matters it isn't too difficult.
And all thanks to Labour and Brown.I know a couple people recently retired from public sector after 30 years, one final salary was £24k and the other £37k, the later was a manager. Both have had to work longer because of the change in pension rights. And my inlaws retired mid 50's and have a far superior private pension, and he never managed anyone, manual skilled worker. 4 holidays a year new car every 2, expensive golf membership, out every friday and Sunday drinking, meals etc.
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As I keep saying I know what it is like to be poor. Single parent on lots of council estates in Coventry. Saw it all. Everyone lending a fiver to feed the kids. I have kids of all ages. Two in their 30's down to my youngest two who are now 10 and 11. I now have grandchildren. I vote with my conscience.I do t get you. You e clearly got issues with neoliberal parties yet so t vote for the only alternative
Do you not think that Corbyn's replacement would get the same treatment from the media? They went after Miliband before Corbyn got in with all the hating the UK stuff.Labour supporters just dont seem to grasp how loathsome Corbyn is, if Labour ditched Corbyn now, they may still have a chance of winning, but the fact that an out of touch, public school wanker like Johnson will win the election, and probably by a landslide, just shows how bad Corbyn really is.
Do you not think that Corbyn's replacement would get the same treatment from the media? They went after Miliband before Corbyn got in with all the hating the UK stuff.
I don't recall people having great concerns about Corbyn in all his years in parliament, all seemed to start when the media smears did.
This is exactly what frustrates me. There appears to be an attitude of 'I'm OK so who cares how difficult things are for anyone else' alongside a weird idea that anyone who isn't a millionaire and not able to retire at 55 only has themselves to blame for not working hard enough. It doesn't match reality.What I do resent is the ya-boo-sucks smugness that comes across with some (not all). Cash is not everything in life... but when the working conditions deecline drastically, cash can be something of a compensation.
This is exactly what frustrates me. There appears to be an attitude of 'I'm OK so who cares how difficult things are for anyone else' alongside a weird idea that anyone who isn't a millionaire and not able to retire at 55 only has themselves to blame for not working hard enough. It doesn't match reality.
If people have worked hard and got themselves into that position then fair play and I'm happy for them but to then look down on everyone else and assume they are at fault for not being in the same position is harsh to say the least.
My parents are the same. Well my Mum never worked but my Dad came out of school and was then working at Courtaulds for life. Never a manager or anything like that and was able to afford a nice house, holidays, new car every few years etc. Not saying he is rich or has an extravagant lifestyle by any stretch of the imagination but like some on here he can't grasp why I'm not in the same position as him. His pension is more than my salary!And my inlaws retired mid 50's and have a far superior private pension, and he never managed anyone, manual skilled worker. 4 holidays a year new car every 2, expensive golf membership, out every friday and Sunday drinking, meals etc.
My parents are the same. Well my Mum never worked but my Dad came out of school and was then working at Courtaulds for life. Never a manager or anything like that and was able to afford a nice house, holidays, new car every few years etc. Not saying he is rich or has an extravagant lifestyle by any stretch of the imagination but like some on here he can't grasp why I'm not in the same position as him.
Conveniently ignores the fact that I'm working 12 hour days, haven't had a holiday in years (I can count on one hand the holidays I've had since I left home and was no longer part of family holidays) and am driving around in a 10 year old shitty Hyundai. As with some on here he can't grasp the fact that things have changed and that I'm not pissing money up the wall.
So it is never what Corbyn has said or done?Do you not think that Corbyn's replacement would get the same treatment from the media? They went after Miliband before Corbyn got in with all the hating the UK stuff.
I don't recall people having great concerns about Corbyn in all his years in parliament, all seemed to start when the media smears did.
So point out who looks down at others.If people have worked hard and got themselves into that position then fair play and I'm happy for them but to then look down on everyone else and assume they are at fault for not being in the same position is harsh to say the least.
As I keep saying I know what it is like to be poor. Single parent on lots of council estates in Coventry. Saw it all. Everyone lending a fiver to feed the kids. I have kids of all ages. Two in their 30's down to my youngest two who are now 10 and 11. I now have grandchildren. I vote with my conscience.
I'm not an 'I'm alright Jack' sort of person. I've done OK. But I have had to make many sacrifices. The Tories are not for the man on the street. Anyone who thinks they are needs a lobotomy. But the finances are never safe with Labour. They try to do too much too soon.
Not at all, of course they focus on things he has said or done. What I am saying is the idea that they get rid of Corbyn and the media is suddenly more receptive to them doesn't stack up to me looking at what happened before Corbyn got in.So it is never what Corbyn has said or done?
I can’t understand the finances argument. Even if you ignore the historical evidence that Labour borrow less and pay back more, this particular Tory government has a flagship policy to knock several points off our GDP. There’s every chance that they’ll spend as much but not on growing the economy. To be honest it seems like you’re going off a meme of “lol Labour spend” without actually looking at the facts.
Fair enough under spreadsheet Phil or previous moderate Tories, but both parties are promising radical spending this election. It’s just whether you want it on infrastructure and public services or on Brexit and tax breaks.
There's a few people who come across that way in this thread, maybe its unintentional but it comes across as if you're in anyway struggling and not earning a fortune and looking forward to early retirement its your own fault.So point out who looks down at others.
You have a choice. Sit there and complain about life or get up and do something about it.
Was this aimed at me?My parents are the same. Well my Mum never worked but my Dad came out of school and was then working at Courtaulds for life. Never a manager or anything like that and was able to afford a nice house, holidays, new car every few years etc. Not saying he is rich or has an extravagant lifestyle by any stretch of the imagination but like some on here he can't grasp why I'm not in the same position as him. His pension is more than my salary!
Conveniently ignores the fact that I'm working 12 hour days, haven't had a holiday in years (I can count on one hand the holidays I've had since I left home and was no longer part of family holidays) and am driving around in a 10 year old shitty Hyundai. As with some on here he can't grasp the fact that things have changed and that I'm not pissing money up the wall.
This is a rare occasion it would work. Even a lot of people who are voting for him don't think he will do a decent job.
Someone without baggage. Someone with charisma. Someone who could rip apart one sentence Boris. And that wouldn't be hard.
Yes I said do something about it. There are people who don't try yet moan about their lot. There are well paid jobs available where I live. But would you be willing to move hours away from who and what you know and to a place where you know nobody and nothing? It is what I have done several times yet I get some make out it was easy for me. When I started looking for work the unemployment rate was nearly 12%.There's a few people who come across that way in this thread, maybe its unintentional but it comes across as if you're in anyway struggling and not earning a fortune and looking forward to early retirement its your own fault.
People that put personality above common sense or their own wellbeing.Not long this time.
Name a way of getting millions more to vote Labour. Labour has already promised away hundreds of billions of pounds. Even that didn't work. So what is the problem?
Here you go again.Nonsense... the press would climb all over it, the party a shambles etc.. and then you no doubt would agree with them.
So where is the common sense in Labour? Spending hundreds of billions on projects that can't be delivered in the timescale given or even the budget given?People that put personality above common sense or their own wellbeing.
So it is never what Corbyn has said or done?Do you not think that Corbyn's replacement would get the same treatment from the media? They went after Miliband before Corbyn got in with all the hating the UK stuff.
I don't recall people having great concerns about Corbyn in all his years in parliament, all seemed to start when the media smears did.
So where is the common sense in Labour? Spending hundreds of billions on projects that can't be delivered in the timescale given or even the budget given?
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