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marigold



Joined: 02 Sep 2005
Posts: 12458
Location: West Sussex
PostPosted: Wed Jul 11, 12 11:37 am    Post subject: Reply with quote
    

If you don't get a full pension and you have no other income and not too much in savings, you get pension credit or income support or the future equivalent to give you whatever the government deems to be the minimum you need to live on. Or, as other say you can top up your contributions. There's a link on https://www.direct.gov.uk/en/pensionsandretirementplanning/statepension/dg_4017919 where you can calculate your expected pension.

earthyvirgo



Joined: 24 Aug 2007
Posts: 7972
Location: creating prints in the loft, Gerlan
PostPosted: Wed Jul 11, 12 12:04 pm    Post subject: Reply with quote
    

marigold wrote:
If you don't get a full pension and you have no other income and not too much in savings, you get pension credit or income support or the future equivalent to give you whatever the government deems to be the minimum you need to live on. Or, as other say you can top up your contributions. There's a link on https://www.direct.gov.uk/en/pensionsandretirementplanning/statepension/dg_4017919 where you can calculate your expected pension.


As well as Marigold's link, there's pretty good info on https://www.hmrc.gov.uk/ website too. Specifically about NI here - https://www.hmrc.gov.uk/ni/index.htm

... which leads on eventually to Marigold's original link

EV

crofter



Joined: 11 Feb 2007
Posts: 2252

PostPosted: Wed Jul 11, 12 1:24 pm    Post subject: Reply with quote
    

By the time you are old enough to get a pension, nobody knows what things will be like. Plus pension age might have been increased to 90 perhaps - if a state pension exists at all.

VSS



Joined: 14 Jan 2007
Posts: 2845
Location: Llyn Peninsula, North Wales
PostPosted: Wed Jul 11, 12 2:26 pm    Post subject: Reply with quote
    

Compulsory euthansia at the age of 70 to keep the population under control

marigold



Joined: 02 Sep 2005
Posts: 12458
Location: West Sussex
PostPosted: Wed Jul 11, 12 2:39 pm    Post subject: Reply with quote
    

Nah - 70 year olds don't breed and most of them are, in fact, perfectly fit and well and able to take care of themselves. Compulsory sterilisation after producing one child would be a much better idea, though a bit difficult to administer amongst people who don't couple up and produce two kids in one family unit.

foggy



Joined: 21 Feb 2012
Posts: 343
Location: Devon
PostPosted: Wed Jul 11, 12 6:01 pm    Post subject: Reply with quote
    

marigold wrote:
Nah - 70 year olds don't breed and most of them are, in fact, perfectly fit and well and able to take care of themselves. Compulsory sterilisation after producing one child would be a much better idea, though a bit difficult to administer amongst people who don't couple up and produce two kids in one family unit.


but in an ageing population, surely we need more children to look after & pay for the huge number of old folks' pensions?

Penny Outskirts



Joined: 18 Sep 2005
Posts: 23385
Location: Planet, not on the....
PostPosted: Wed Jul 11, 12 6:41 pm    Post subject: Reply with quote
    

Steve and I got an estimate from HMRC of our state pensions about a year ago, but they posted it to us, has the on-line thingy taken over from that?

It is useful, as it gives you a very good idea of what to expect.

earthyvirgo



Joined: 24 Aug 2007
Posts: 7972
Location: creating prints in the loft, Gerlan
PostPosted: Wed Jul 11, 12 6:43 pm    Post subject: Reply with quote
    

Penny Outskirts wrote:
Steve and I got an estimate from HMRC of our state pensions about a year ago, but they posted it to us, has the on-line thingy taken over from that?

It is useful, as it gives you a very good idea of what to expect.


Ditto, I got mine by post (after ringing them I think) but it seems you can do either now.

EV

marigold



Joined: 02 Sep 2005
Posts: 12458
Location: West Sussex
PostPosted: Wed Jul 11, 12 7:20 pm    Post subject: Reply with quote
    

foggy wrote:
marigold wrote:
Nah - 70 year olds don't breed and most of them are, in fact, perfectly fit and well and able to take care of themselves. Compulsory sterilisation after producing one child would be a much better idea, though a bit difficult to administer amongst people who don't couple up and produce two kids in one family unit.


but in an ageing population, surely we need more children to look after & pay for the huge number of old folks' pensions?


The 20% of unemployed youth aren't contributing anything towards anyone's pensions and are themselves a drain on society, but people who are already old have mostly worked hard, paid their dues and lived through harder times than these. We also need to be a lot more practical about end-of-life care and legalise euthanasia. Long term I think it's best to reduce and stabilise the population - fewer people living longer, healthier lives in a more equitable and sustainable economy. It won't happen, but one can have ideals.

Behemoth



Joined: 01 Dec 2004
Posts: 19023
Location: Leeds
PostPosted: Wed Jul 11, 12 7:30 pm    Post subject: Reply with quote
    

soylent green.

vegplot



Joined: 19 Apr 2007
Posts: 21301
Location: Bethesda, Gwynedd
PostPosted: Wed Jul 11, 12 7:42 pm    Post subject: Reply with quote
    

Logan's run. Expect I'd up the age limit a little.

foggy



Joined: 21 Feb 2012
Posts: 343
Location: Devon
PostPosted: Thu Jul 12, 12 3:22 pm    Post subject: Reply with quote
    

marigold wrote:


The 20% of unemployed youth aren't contributing anything towards anyone's pensions and are themselves a drain on society, but people who are already old have mostly worked hard, paid their dues and lived through harder times than these. We also need to be a lot more practical about end-of-life care and legalise euthanasia. Long term I think it's best to reduce and stabilise the population - fewer people living longer, healthier lives in a more equitable and sustainable economy. It won't happen, but one can have ideals.


If the government pushed apprenticeships the way they used to push a-level students into university, I'm sure there wouldn't be such an unemployment issue. While I certainly learnt a lot at university, it's done bugger all for my career, & I wish I had learned a trade instead.
Other than that, I agree with you.

earthyvirgo



Joined: 24 Aug 2007
Posts: 7972
Location: creating prints in the loft, Gerlan
PostPosted: Thu Jul 12, 12 4:17 pm    Post subject: Reply with quote
    

foggy wrote:
marigold wrote:


The 20% of unemployed youth aren't contributing anything towards anyone's pensions and are themselves a drain on society, but people who are already old have mostly worked hard, paid their dues and lived through harder times than these. We also need to be a lot more practical about end-of-life care and legalise euthanasia. Long term I think it's best to reduce and stabilise the population - fewer people living longer, healthier lives in a more equitable and sustainable economy. It won't happen, but one can have ideals.


If the government pushed apprenticeships the way they used to push a-level students into university, I'm sure there wouldn't be such an unemployment issue. While I certainly learnt a lot at university, it's done bugger all for my career, & I wish I had learned a trade instead.
Other than that, I agree with you.


On Monday evening, I went on a small school reunion, 3 of the group were or had been teachers and they were saying that youngsters who quite obviously are not academic but are skilled and talented in other ways are still pushed into 6th form to do A' levels they don't want to do, and then on into Uni where quite a high proportion either struggle or drop out in their first year.

EV

foggy



Joined: 21 Feb 2012
Posts: 343
Location: Devon
PostPosted: Thu Jul 12, 12 6:11 pm    Post subject: Reply with quote
    

Yes - at that age it's easy to be pushed along. I and a lot of my friends had no idea what we wanted to do with our lives, the only options were go to university or start working. If only someone had said to me - here, you can do these apprenticeships...

marigold



Joined: 02 Sep 2005
Posts: 12458
Location: West Sussex
PostPosted: Thu Jul 12, 12 6:41 pm    Post subject: Reply with quote
    

Not so long ago you could start training as a nurse, police officer, physiotherapist, mechanic, electrician and many other careers with only O-Levels or CSEs. I don't think there's any good reason to increase the entry-level qualifications for many jobs, just the ideology that more and more education makes "better" people. The law of diminishing returns kicked in long ago IMO.

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