What are you all up to today? - part 3

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  • brue
    brue Forum Participant Posts: 21,176 ✭✭✭✭✭
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    edited December 2016 #6212

    We've been on a wild goose chase for car parts today, I was hoping for a leisurely stroll round town but no....OH has repaired two old cars for family and neighbours, got them going til the next thing conks out.Yell

  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited December 2016 #6213

    Quiet on here Laughing Got my £10 Xmas pressie from the 'guv' today
    Happy

    Just checked our account OH got his but nothing for meFrown

    Write your comments here...

    I've just checked our accounts and we both have our £10.  'We're in the money'....Laughing

    Decided to look it up,

    It was launched by Ted Heath's Tory government in 1972, back then the £10 Xmas boost was worth more than the £6.75 basic state pension.
    The basic pension is now £95.25 a week. Wink


    I think you will find its £155.65 per week now.

    Seems like we are both wrong, mine was a copy/paste from an ancient source Smile, basic single pension seems to be £119.30 per week on the current
    gov site.

    £119.30 is the old pension Dave, I was born after 6th April 1953, just. I get the new state pension £155.65 Smile  (1951 for men)

    Yes Brue I edited.

  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited December 2016 #6214

    well, nice cycle ride over to our local (20+ ml round trip) Waitrose for a few 3 for £10s,

    3 panniers full....

    2 turtle doves, etc.....Wink

    nice pot of tea and a Yumyum for the journey home...

    all this talk of cruises etc, certsinly gets the juices flowing...

    BIL has taken a large 4 bed house in Florida from 12th Dec, for a couple of weeks, taking our two nieces to Disney and Universal....back on Xmas Eve....

    apparently, all we need to do is book the flight......so temptingWink

    Go for it you know you wanna Wink

  • milliehull
    milliehull Forum Participant Posts: 4,760 ✭✭✭
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    edited December 2016 #6215

    well, nice cycle ride over to our local (20+ ml round trip) Waitrose for a few 3 for £10s,

    3 panniers full....

    2 turtle doves, etc.....Wink

    nice pot of tea and a Yumyum for the journey home...

    all this talk of cruises etc, certsinly gets the juices flowing...

    BIL has taken a large 4 bed house in Florida from 12th Dec, for a couple of weeks, taking our two nieces to Disney and Universal....back on Xmas Eve....

    apparently, all we need to do is book the flight......so temptingWink

    Write your comments here...

    Go on BB. You know you want to.Wink

  • brue
    brue Forum Participant Posts: 21,176 ✭✭✭✭✭
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    edited December 2016 #6216

    Dave, I looked up the full state pension on GovUK not the basic, apologies! 

  • Metheven
    Metheven Club Member Posts: 3,987 ✭✭✭
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    edited December 2016 #6217

    No probs , brue and Tammygirl, pensions are so confusing what with dates, ages, hoops to jump through. Whatever, the £10 whilst welcome today was certainly very welcome in monetary terms when first introduced Smile

  • brue
    brue Forum Participant Posts: 21,176 ✭✭✭✭✭
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    edited December 2016 #6218

    I am always grateful when the gov returns some of my money to me.Wink

  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited December 2016 #6219

    No probs , brue and Tammygirl, pensions are so confusing what with dates, ages, hoops to jump through. Whatever, the £10 whilst welcome today was certainly very welcome in monetary terms when first introduced
    Smile

    It certainly must have been. I was suprised (don't know why) at how little a pension was then. We got married in 1972 and I know I was earning more than that paltry sum.

    Dave the only reason I was aware of the differance is because I have only just got mine so its still all very new to me.

    Brue same here whenever I get any back from them its always welcome. Haven't got the £10 yet thoughFrown

  • HelenandTrevor
    HelenandTrevor Forum Participant Posts: 3,221
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    edited December 2016 #6220

    We've been on a wild goose chase for car parts today, I was hoping for a leisurely stroll round town but no....OH has repaired two old cars for family and neighbours, got them going til the next thing conks out.Yell

    Snap! Smile OH has been doing the repairs on a friends old car to get it through its mot , hunting round for parts . Passed the mot until next
    year anyway.

  • HelenandTrevor
    HelenandTrevor Forum Participant Posts: 3,221
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    edited December 2016 #6221

    Not a good day, computer problems at work ,  really annoying !  Yell Was glad to get home. 

  • brue
    brue Forum Participant Posts: 21,176 ✭✭✭✭✭
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    edited December 2016 #6222

    Hope things are better tomorrow Helen. Looks like a quiet day ahead, no CT, happy bookings on the 7th! Smile

  • milliehull
    milliehull Forum Participant Posts: 4,760 ✭✭✭
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    edited December 2016 #6223

    How frustrating Helen.  Hope tomorrow is better.Smile

  • milliehull
    milliehull Forum Participant Posts: 4,760 ✭✭✭
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    edited December 2016 #6224

    We shall leave our bookings until it is quietened down a bit brue.  Luckily we are not tied down to specific times and dates.Smile

  • brue
    brue Forum Participant Posts: 21,176 ✭✭✭✭✭
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    edited December 2016 #6225

    We're the same Millie. I haven't thought much about next year yet. Smile

  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited December 2016 #6226

    I haven't finished with this year yet Wink

  • HelenandTrevor
    HelenandTrevor Forum Participant Posts: 3,221
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    edited December 2016 #6227

    Thanks ,  Brue and Millie, just hoping I can get everything done tomorrow that I wasn't able to do today . 

    We will be away for frenzy day!  Haven't given next year much thought yet, only that we want to get up to yorkshire at some point .

  • IanH
    IanH Forum Participant Posts: 4,708
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    edited December 2016 #6228

    To clarify an earlier point......the basic state pension might be £119 per week (can't remember the figures just now) but people get an amount based on their NI contributions......so can get more or less than this.

    The minimum guarantee amount for someone of state pension age for a woman is £155.......so if you get less than this, it will be topped up by Pension Credit. However, any other income will be taken into account, so you may not get the full top up.

    Incidently, if you do get Pension Credi (the Guarantee part, not the Savings part - which you can only get at 65) you will be eligible for full Housing Benefit and full Council Tax Reduction.

    Don't you just love all tbes benefits rules? Wink  I do wonder how people who haven't been trained in the benefits system are supposed to know
    what they are entitled to.

  • milliehull
    milliehull Forum Participant Posts: 4,760 ✭✭✭
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    edited December 2016 #6229

    That's where Ian and CAB are so valuable.Happy

    PS We haven't thought about next year yet either. Lots of possibilities but no definite decisions yet.

  • milliehull
    milliehull Forum Participant Posts: 4,760 ✭✭✭
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    edited December 2016 #6230

    Thanks ,  Brue and Millie, just hoping I can get everything done tomorrow that I wasn't able to do today . 

    We will be away for frenzy day!  Haven't given next year much thought yet, only that we want to get up to yorkshire at some point .

    Write your comments here...

    If you want to go to Yorkshire Helen I can recommend Serenity camping at Hinderwell. They have a website.

  • milliehull
    milliehull Forum Participant Posts: 4,760 ✭✭✭
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    edited December 2016 #6231

    Anybody there?

  • brue
    brue Forum Participant Posts: 21,176 ✭✭✭✭✭
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    edited December 2016 #6232

    Well there won't be soon...see you all on Wednesday, at some point?! Wink

  • HelenandTrevor
    HelenandTrevor Forum Participant Posts: 3,221
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    edited December 2016 #6233

    Thanks ,  Brue and Millie, just hoping I can get everything done tomorrow that I wasn't able to do today . 

    We will be away for frenzy day!  Haven't given next year much thought yet, only that we want to get up to yorkshire at some point .

    Write your comments here...

    If you want to go to Yorkshire Helen I can recommend Serenity camping at Hinderwell. They have a website.

    It's one of the sites on our list Millie. Smile

  • KjellNN
    KjellNN Club Member Posts: 8,670 ✭✭✭
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    edited December 2016 #6234

    Quiet on here Laughing Got my £10 Xmas pressie from the 'guv' today
    Happy

    Just checked our account OH got his but nothing for meFrown

    We get our pensions weekly, last year it was paid with the first week in December, so we thought it might come today.......and it did!

    Trying to decide what to spend it on now!

    OH says it is already spent on our fuel bills!  Surprised

  • milliehull
    milliehull Forum Participant Posts: 4,760 ✭✭✭
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    edited December 2016 #6235

    Well there won't be soon...see you all on Wednesday, at some point?! Wink

    Write your comments here...

    Laughing

  • IanH
    IanH Forum Participant Posts: 4,708
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    edited December 2016 #6236

    Thanks, Millie

  • KjellNN
    KjellNN Club Member Posts: 8,670 ✭✭✭
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    edited December 2016 #6237

    Quiet on here Laughing Got my £10 Xmas pressie from the 'guv' today
    Happy

    Just checked our account OH got his but nothing for meFrown

    Write your comments here...

    I've just checked our accounts and we both have our £10.  'We're in the money'....Laughing

    Decided to look it up,

    It was launched by Ted Heath's Tory government in 1972, back then the £10 Xmas boost was worth more than the £6.75 basic state pension.
    The basic pension is now £95.25 a week. Wink


    I think you will find its £155.65 per week now.

    Seems like we are both wrong, mine was a copy/paste from an ancient source Smile, basic single pension seems to be £119.30 per week on the current
    gov site.

    £119.30 is the old pension Dave, I was born after 6th April 1953, just. I get the new state pension £155.65 Smile  (1951 for men)

    Yes Brue I edited.

    Unfortunately, most of us really old OAPs are on the old scheme......there are now 3 different ones operating.

    We are on the original scheme where a man needed 44 years for full pension, but could claim for his wife as a dependant.

    I only have 37 UK years so am on a reduced pension, but could claim an extra 60% for OH when I retired.  Once she reached 60, that became her pension, and her tax liability.

    Then there were a few years when you only needed 30 years for full pension,my friend is on that scheme, he could not claim anything for his (much younger) wife, she has to wait till she reaches her own state pension age.

    Now we have the so called flat rate pension that TG is getting, more generous for some but those contracted out can suffer.  To get this you need 35 years contributions for the full amount. And as far as I know there is no addition for spouses?

    It is all really confusing!  Is it fair?   I have no idea!

    Just glad that as I worked in Norway before coming to live here, I can claim some pension there too, though no extra for OH.

    It is subject to currency fluctuations, so the amount cannot be depended upon unfortunately.

     

     

     

     

  • KjellNN
    KjellNN Club Member Posts: 8,670 ✭✭✭
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    edited December 2016 #6238

    My basic, due to reduced years is around £105, but with graduated and non contracted out years, I get just over £160. OH only gets 60% of my basic, so just over £60.

    The way my company pension is structured means it delivers 60% of my final salary, taking the full single person state pension as part of that, so I do seriously lose our there.

    Fortunately the Norwegian state pension is good compared to the UK one, so even though I only get a fraction of the full amount, it does make up for what I have lost here.

  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited December 2016 #6239

    Yes the contracted out bit can make a big differance to the new pension. Luckily I only lose a small amount, however my company pension is considerably greater. OH loses more than me but again his Military pension more than makes up for it. As I worked in
    Germany for a period and paid German tax I could in theory claim a small part towards my pension, but as under the new pension I already have full contributions I haven't bothered.

  • nelliethehooker
    nelliethehooker Club Member Posts: 13,644 ✭✭✭
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    edited December 2016 #6240

    Quiet on here Laughing
    Got my £10 Xmas pressie from the 'guv' today Happy

    Oh good, more grist to the mill, whenever it arrives!Wink

  • nelliethehooker
    nelliethehooker Club Member Posts: 13,644 ✭✭✭
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    edited December 2016 #6241

    Oh mine again.

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