The EU: In, out, shake it all about.... (257 Viewers)

[Astute]

It's like the Little Red Hen and the Grains of Wheat isn't it? One goes without much all one's life and saves; but when you get to retirement age it's not fair and we should share our savings. McDonnell says he wants to tax savings at 20% as a wealth tax. He can fuck off.

All it would do is stop people from saving. Then they would need help when retiring.

Some people just don't have a clue.

Oh well. Just about to go to work in my 17 year old car so I can earn some money for the taxman and a little bit more for my pension fund. And park in the middle of lots of new cars where the 'owners' moan about being skint.

 

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[mrtrench]

Not entirely as it was exempted from income tax. If they choose to invest their money outside of a tax-exempt scheme then they're free to access their money at any time they wish.

The point is the current rules perpetuate the class division between those who can afford to save for a private pension and those who can't.

It's not exempt on income tax. You don't pay income tax on it as you save but you pay when you take it out.

 

[mrtrench]

My complaint is that those who could afford a private pension fund are (or were) allowed access to it from the age of 55 whereas those who couldn't afford to save for one are forced to wait until they reach state pension age before they can access their state pension.

That is now changing slightly and access in future will be limited to a minimum of five years before state pension age.

So it boils down to not being happy that some people earn more money than others; thought as much.

 

[Astute]

It's not exempt on income tax. You don't pay income tax on it as you save but you pay when you take it out.

So you save a bit of tax on contributions and then carry on paying income tax after retirement. And also don't need help from the government in your retirement.

Yes you can take out 25% tax free. But you are taxed on the rest. So if I live to 79 I will have paid tax for 20 years of retirement. The only good thing is once I reach 67 I won't have to pay NI contributions.

 

[mrtrench]

Annuity rates are about 3% for an index linked pension retiring at 65. So saving £100k will give you a pension of £3k per year.

 

[Captain Dart]

Our population has always gone up from migration, it’s not a new phenomenon caused by EU membership. I’m just completing your half truths. Look at how diverse our country is and how diverse it’s been for centuries. The EU doesn’t even account for half the immigration into the U.K.

This data is taken from census records. I'd like to ask just why does the left lie to promote 'diversity'.

 

[Captain Dart]

Annuity rates are about 3% for an index linked pension retiring at 65. So saving £100k will give you a pension of £3 per year.

But if you work in a public sector job you get 5 times the pension for a given level of contribution and yet teachers, nurses, police, LGO and civil servants still complain.
Pensions apartheid? How public and private systems compare

 

[dutchman]

So it boils down to not being happy that some people earn more money than others; thought as much.

No, it's about the government treating those who are well off more favourably than those who are less well off.

 

[skybluetony176]

This data is taken from census records. I'd like to ask just why does the left lie to promote 'diversity'.

I’m not sure who’s supposed to be lying and who’s supposed to be the left but thanks for providing data that proves what I said. It’s alway happened. Not sure how you “promote” diversity, besides Ashley Banjo does a good enough job by himself.

 

[Astute]

But if you work in a public sector job you get 5 times the pension for a given level of contribution and yet teachers, nurses, police, LGO and civil servants still complain.
Pensions apartheid? How public and private systems compare

They have had their pensions decimated. And no pay rise for years. I habe a mate who is a police officer. If he retires at 55 his pension is worth about the same as at 60. And he would have to keep paying into it. And they do pay a lot into it. Teachers and nurses are the same. But MP's are on a total different level. Work that one out.

 

[Captain Dart]

I’m not sure who’s supposed to be lying and who’s supposed to be the left but thanks for providing data that proves what I said. It’s alway happened. Not sure how you “promote” diversity, besides Ashley Banjo does a good enough job by himself.

Nobody is denying there has always been a trickle of immigration you plonker but you said there was always a high level of diversity, I showed with this data that there wasn't, it is a new phenomenon. Talk about the point going over your head!

 

[Captain Dart]

They have had their pensions decimated. And no pay rise for years. I habe a mate who is a police officer. If he retires at 55 his pension is worth about the same as at 60. And he would have to keep paying into it. And they do pay a lot into it. Teachers and nurses are the same. But MP's are on a total different level. Work that one out.

They all need trimming back, why not pay them more & let them use the private market.

THE bill for police pensions has soared to £2.5billion a year with each household paying £83 for retired officers, a report said last night.
Figures show that £1 out of every £7 spent on the police is used to fund the income of retired officers.
Police pensions bill now hits £2.5billion

 

[Astute]

Nobody is denying there has always been a trickle of immigration you plonker but you said there was always a high level of diversity, I showed with this data that there wasn't, it is a new phenomenon. Talk about the point going over your head!

It isn't any point going over his head. It is not having an excuse for an over 50% rise in the number of people living in the UK that were not born here in 10 years. And their children born here would have counteredthe numbers and not added to them.

I wouldn't have the slightest problem with it if we had homes for everyone and the infrastructure to go with it. But we don't.

My older children didn't have a problem getting their own home. But the younger ones are in a totally different situation. Yet the pro EU lot blame everyone and everything except for what has been a big part of the cause of it all.

 

[Astute]

They all need trimming back, why not pay them more & let them use the private market.

THE bill for police pensions has soared to £2.5billion a year with each household paying £83 for retired officers, a report said last night.
Figures show that £1 out of every £7 spent on the police is used to fund the income of retired officers.
Police pensions bill now hits £2.5billion

Yes those already retired.

They also paid a lot into it and still do. My mate pays in nearly £500 a month into his. That is why record numbers are retiring or leaving.

 

[skybluetony176]

Nobody is denying there has always been a trickle of immigration you plonker but you said there was always a high level of diversity, I showed with this data that there wasn't, it is a new phenomenon. Talk about the point going over your head!

We have been invaded for centuries. From Viking’s to Romans to Saxons to Norman’s. That has brought diversity to the country and help shape our country otherwise we’d be living of turnips and game meat while speaking some strange dialect that no one would recognise in today’s Britain. The rise in immigration reflects the modern world, travel is easier, language barriers have been broken down due to better world education this has mobilised those motivated to look for something else. The world is shrinking and globalisation is an unstoppable force and voting out ultimately isn’t going to change anything other than the dynamics of where that immigration comes from. You’ll going to be like someone trying to plug a damn, you’ll but a finger in one hole and another one will appear. The country needs a diverse workforce skilled and unskilled and we can’t fill every position without immigration and no government is going to deliberately stifle the economy by stopping people coming here to fill gaps in our workforce.

So that leaves you two choices, you either embrace the diversity that immigration brings to the country or you sit around moping about it blaming all our woes on everyone else instead of holding the government to account on a lack of investment in the NHS, house building, the education system. Basically all the things that aren’t going to improve when we leave the EU and you’ll have to look for someone else to blame.

Also if you think that a graph of British born people leaving the UK doesn’t follow the same trends you’ll fooling yourself. We’re no different to the people arriving.

 

[Astute]

We have been invaded for centuries. From Viking’s to Romans to Saxons to Norman’s. That has brought diversity to the country and help shape our country otherwise we’d be living of turnips and game meat while speaking some strange dialect that no one would recognise in today’s Britain. The rise in immigration reflects the modern world, travel is easier, language barriers have been broken down due to better world education this has mobilised those motivated to look for something else. The world is shrinking and globalisation is an unstoppable force and voting out ultimately isn’t going to change anything other than the dynamics of where that immigration comes from. You’ll going to be like someone trying to plug a damn, you’ll but a finger in one hole and another one will appear. The country needs a diverse workforce skilled and unskilled and we can’t fill every position without immigration and no government is going to deliberately stifle the economy by stopping people coming here to fill gaps in our workforce.

So that leaves you two choices, you either embrace the diversity that immigration brings to the country or you sit around moping about it blaming all our woes on everyone else instead of holding the government to account on a lack of investment in the NHS, house building, the education system. Basically all the things that aren’t going to improve when we leave the EU and you’ll have to look for someone else to blame.

If it carries on at this rate we will have to go back to living in caves again if we want a roof over our head.

 

[Captain Dart]

Yes those already retired.
They also paid a lot into it and still do. My mate pays in nearly £500 a month into his. That is why record numbers are retiring or leaving.

So, I'm paying just under £1000/m.

 

[Captain Dart]

We have been invaded for centuries. From Viking’s to Romans to Saxons to Norman’s. That has brought diversity to the country and help shape our country otherwise we’d be living of turnips and game meat while speaking some strange dialect that no one would recognise in today’s Britain. The rise in immigration reflects the modern world, travel is easier, language barriers have been broken down due to better world education this has mobilised those motivated to look for something else. The world is shrinking and globalisation is an unstoppable force and voting out ultimately isn’t going to change anything other than the dynamics of where that immigration comes from. You’ll going to be like someone trying to plug a damn, you’ll but a finger in one hole and another one will appear. The country needs a diverse workforce skilled and unskilled and we can’t fill every position without immigration and no government is going to deliberately stifle the economy by stopping people coming here to fill gaps in our workforce.

So that leaves you two choices, you either embrace the diversity that immigration brings to the country or you sit around moping about it blaming all our woes on everyone else instead of holding the government to account on a lack of investment in the NHS, house building, the education system. Basically all the things that aren’t going to improve when we leave the EU and you’ll have to look for someone else to blame.

Also if you think that a graph of British born people leaving the UK doesn’t follow the same trends you’ll fooling yourself. We’re no different to the people arriving.

and you get this...
MP shares tweet saying abuse victims should 'shut their mouths for good of diversity' | Metro News

 

[mrtrench]

We have been invaded for centuries. From Viking’s to Romans to Saxons to Norman’s. .

I'm sorry, I don't normally take the piss, but I'm intrigued as to what you think the rule is as to when to use an apostrophe on words ending in s. I used to think you used it on all plurals, but you've omitted it on Romans and Saxons - it's clearly more arcane than I'd guessed.

 

[skybluetony176]

and you get this...
MP shares tweet saying abuse victims should 'shut their mouths for good of diversity' | Metro News

And she’s wrong, misguided and should be told so at every opportunity. The sexual abuse of anyone has nothing to with diversity, it’s to do with a lack of decency and should never be swept under the carpet whether it’s happening in churches, Westminster, Hollywood, the BBC, the care system or within sections of ethnic minority’s, wherever it’s happening. And there is nowhere within our society where it isn’t happening to some degree and people are being protected. With or without immigration.

 

[skybluetony176]

I'm sorry, I don't normally take the piss, but I'm intrigued as to what you think the rule is as to when to use an apostrophe on words ending in s. I used to think you used it on all plurals, but you've omitted it on Romans and Saxons - it's clearly more arcane than I'd guessed.

Sorry, did you not understand what I was saying?

 

[Captain Dart]

And she’s wrong, misguided and should be told so at every opportunity. The sexual abuse of anyone has nothing to with diversity, it’s to do with a lack of decency and should never be swept under the carpet whether it’s happening in churches, Westminster, Hollywood, the BBC, the care system or within sections of ethnic minority’s, wherever it’s happening. And there is nowhere within our society where it isn’t happening to some degree and people are being protected. With or without immigration.

Again you miss the point, certain sections of society are receiving protection in the name of diversity that should never even be contemplated, treat everyone equal.

 

[skybluetony176]

Again you miss the point, certain sections of society are receiving protection in the name of diversity that should never even be contemplated, treat everyone equal.

Certain sections of society are receiving protection for all sorts of reasons we should be able in a decent world be able to point out that they’re all equally wrong without people turning it into a competition. You don’t get extra points for pointing out someone has done it in the name of diversity regardless of how much you feel you deserve them. It’s wrong full stop. Regardless of the excuse.

 

[mrtrench]

Sorry, did you not understand what I was saying?

Seldom Tony. Very seldom.

 

[Marty]

and you get this...
MP shares tweet saying abuse victims should 'shut their mouths for good of diversity' | Metro News

Without wanting to go off topic, those in power, who knew about what was going on in Rotherham but didn't say anything should all be locked up with those that done the abuse, every last one of them is utter scum.

 

[skybluetony176]

Seldom Tony. Very seldom.

Ironically wasn’t the apostrophe introduced into the English language by the Saxon’s? Curse that diversity.

 

[Astute]

So, I'm paying just under £1000/m.

A perk of being a police officer used to be the pension. It is a dangerous job they do. We don't want 65 year old coppers chasing 18 year old crooks. But it will be going that way now.

 

[skybluetony176]

Without wanting to go off topic, those in power, who knew about what was going on in Rotherham but didn't say anything should all be locked up with those that done the abuse, every last one of them is utter scum.

As should those within the church, the BBC, the care system or anywhere else it’s happening. Again, it shouldn’t be a competition.

 

[mrtrench]

Ironically wasn’t the apostrophe introduced into the English language by the Saxon’s? Curse that diversity.

So it was the Saxons' apostrophe?

 

[Captain Dart]

A perk of being a police officer used to be the pension. It is a dangerous job they do. We don't want 65 year old coppers chasing 18 year old crooks. But it will be going that way now.

I understand that, but in an environment where private pensions values have been destroyed it creates issues not only for people on private pensions but for the Government that has to shell out for the public pensions. Do you remember the 2nd state pension (SERPS), that was canned going forward because of spiralling costs to the public purse (and of course the pensions minister of the time, Liberal Steve Webb, lied about the reasons). The way to fix this is to make the pension holder use the market and take a risk like everyone else, even if it wasn't a 100% risk it would remove the problem from the public purse and make public finances more predicable in the long/medium term.

 

[Astute]

So it was the Saxons' apostrophe?

Wasn't it Jesus?

 

[Marty]

As should those within the church, the BBC, the care system or anywhere else it’s happening. Again, it shouldn’t be a competition.

I agree that any Child abusers or people who knew about it should be fully delth with (I'd even consider bringing back the death penalty, but that brings up a whole other debate). I responded to a direct link about the Rotherham child abuse scandal. I'm not sure why you have bought up other cases.

 

[Astute]

I understand that, but in an environment where private pensions values have been destroyed it creates issues not only for people on private pensions but for the Government that has to shell out for the public pensions. Do you remember the 2nd state pension (SERPS), that was canned going forward because of spiralling costs to the public purse (and of course the pensions minister of the time, Liberal Steve Webb, lied about the reasons). The way to fix this is to make the pension holder use the market and take a risk like everyone else, even if it wasn't a 100% risk it would remove the problem from the public purse and make public finances more predicable in the long/medium term.

The problem with public workers and pensions was that the money stopped in their pay didn't go into any sort of pot like for everyone else. All companies need to shiw they have the funds to pay. But the government doesn't have a pot at all for them. They took the money for years. It started off as payments in covered payments out. Now it doesn't the promise has been taken away. But if it was a company not having a pot to cover it they would have to pump in the money until there is enough to cover it.

 

[Captain Dart]

The problem with public workers and pensions was that the money stopped in their pay didn't go into any sort of pot like for everyone else. All companies need to shiw they have the funds to pay. But the government doesn't have a pot at all for them. They took the money for years. It started off as payments in covered payments out. Now it doesn't the promise has been taken away. But if it was a company not having a pot to cover it they would have to pump in the money until there is enough to cover it.

Yep, it is just a 'future' debt, which is why it is not under control.

 

[Captain Dart]

Without wanting to go off topic, those in power, who knew about what was going on in Rotherham but didn't say anything should all be locked up with those that done the abuse, every last one of them is utter scum.

Still going on.