Exploiting the members

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  • nelliethehooker
    nelliethehooker Club Member Posts: 13,990
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    edited January 2022 #182

    Don't remember being annoyed by the traffic noise but it was quite a while ago, and we were further in on site.

    We too have only used the Lydford site when it was a C&CC site, and enjoyed our stay there too.

  • KjellNN
    KjellNN Club Member Posts: 8,727
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    edited January 2022 #183

    House plus money in the bank means a couple can leave £1 million and no IHT payable........do you have a huge mansion?   surprised

  • KjellNN
    KjellNN Club Member Posts: 8,727
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    edited January 2022 #184

    if only!!

    Presumably not all "boomers" are created equal.

    My pension is now lagging way behind inflation.

  • Rocky 2 buckets
    Rocky 2 buckets Forum Participant Posts: 7,101
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    edited January 2022 #185

    If you have issues you can make a claim KJ, that’s what the benefits system is there-to help the truly needy & suffering. There are more & more in this country making the hard decision of-Eat or Heat☹️. Food banks are seeing unprecedented requests for help.

  • Navigateur
    Navigateur Club Member Posts: 3,886
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    edited January 2022 #186

    One of the radio stations around here have been running a competition to pay one's bills for a year by giving away amounts around £50,000 as they say this is the AVERAGE for yearly household bills now. I've not added up my own bills, but I know pensions come to nowhere near that in a year.

  • ADP1963
    ADP1963 Club Member Posts: 1,280
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    edited January 2022 #187

    Rocky.....I agree Baby Boomer years have been good for us. However when you say no medical bills ?, but look how much you have paid in!. I would not want it any other way, I think our NHS system is wonderful. We have been a fortunate family and a relatively healthy family and only once used an Hospital and so little cost against what we have paid in . I begrudge nothing and certainly not complaining about the system.......but a full term paying N I until retirement is a lot money and so no medical bills because they have been pre paid. I repeat I am not complaining, the system isn't perfect but I know of nothing better.

  • Rocky 2 buckets
    Rocky 2 buckets Forum Participant Posts: 7,101
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    edited January 2022 #188

    I agree re NHS👏🏻👏🏻. Have you ever checked out other countries costs re medical bills, the ones who don’t have NHS type healthcare? The costs run into the 100’s of thousands per operation or even paying for an Ambulance🤷🏻‍♂️🙁. We haven’t paid enough into the kitty to pay for the level of healthcare we actually get ADP, Drugs alone are eye watering in costs. It’s a lottery-we pay when generally healthy for the times we are not. My Baby boomers posts were originally about pensions too-as in private & state, the state pension in decades to come will no longer be an option, the writing is already on the wall. 

  • ADP1963
    ADP1963 Club Member Posts: 1,280
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    edited January 2022 #189

    Rocky.....Agree 100%. If I stop and take stock of my position I/we have been very fortunate. We have worked hard for our now comfortable lifestyle. Nothing like many, was given to us, but we did have the good fortune and wisdom to provide for this present time. During our working lives my wife and I were covered by BUPA, a perk provided by our companies which we never used ( glad we had no need to ) but it was something we had to pay Tax on. The cost if I wanted to be in BUPA now at my age is astronomical. As you say medical health care in other countries is mind blowing. Again as I say I am not complaining and what we have not needed others in need are very welcome to.

  • Rocky 2 buckets
    Rocky 2 buckets Forum Participant Posts: 7,101
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    edited January 2022 #190

    +1👍🏻🙂

  • KjellNN
    KjellNN Club Member Posts: 8,727
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    edited January 2022 #191

    No issues, just  pointing out that many do not have inflation proofed pensions.

    My pension is presently sufficient for our needs, but certainly not keeping up with inflation.  Expecting fuel bills to be very large any minute......today is unfortunately  the last day of our current fixed rate deal.

    We have savings, slowly being used on updating the bathrooms in the house to make them more user friendly for our creaky knees.

    Interest   rates are rubbish, but at least the money is there when we do need to supplement my pension.

  • Rocky 2 buckets
    Rocky 2 buckets Forum Participant Posts: 7,101
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    edited January 2022 #192

    You could release equity from your home, sell it to an agency, continue to live there👍🏻. Not too bad after all.

    PS-not all were created equal KJ?, we were created equal but some invested long term, signed up early with a gold plated inflation proof extra pension too? Lose early but gain later👍🏻

  • KjellNN
    KjellNN Club Member Posts: 8,727
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    edited January 2022 #193

    Rocky, I worked for my last employer for 32 years, the previous ones 8 years, though they pre-dated the company pension requirements, and was in the pension scheme the whole time.  I have paid into state pension schemes since I started working in 1967, but those first employers did not have company pension schemes.

    I retired on a 60% final salary pension in 2007,  but unlike some public sector workers, my employer did not guarantee that pensions would be inflation proofed, only part of it is, the rest is discretionary.   One can only have what is on offer.

    When one has been retired for a while, the non inflation linked pension does tend to fall behind.

    However, OH is financially savvy and has been saving as much as possible, she is even still saving from my pension, so we have savings to fall back on.

    No need therefore for equity release, though we could easily downsize if things got really bad, but we like it here.     Meantime, the house is appreciating in value, though not as much as "down south".

  • Rocky 2 buckets
    Rocky 2 buckets Forum Participant Posts: 7,101
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    edited January 2022 #194

    I see KJ so not as bad as first thought-excellent👍🏻 I have an inflation linked personal pension I took in 2008 that then takes the Govt inflation rate once a year +1% & adds that to my pension, it is beating inflation.

  • Twos more then one
    Twos more then one Forum Participant Posts: 373
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    edited January 2022 #195

    Equity release ,only if your desperate 

     

  • KjellNN
    KjellNN Club Member Posts: 8,727
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    edited January 2022 #196

    I doubt we would ever be that desperate!

  • Cornersteady
    Cornersteady Club Member Posts: 14,632
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    edited January 2022 #197

    As interest rates as so low we bought some premium bonds with some of our savings, we've been lucky and made double what we would have got but of course it's up to Ernie for the big prize. A bit of fun.

    Anyone else remember the Ernie tv ads?

  • JVB66
    JVB66 Forum Participant Posts: 22,892
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    edited January 2022 #198

    Same with  the club sites in Norfolk one of our favorite destinations , the club sites are about £14 a night more than a site we have used in the same area

  • Tinwheeler
    Tinwheeler Forum Participant Trusted Posts: 23,373
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    edited January 2022 #199

    Good idea, Corners. We seem to win something every month and the year end winnings usually exceed net interest rates👍🏻

    I remember Sid ads for B Gas but not Ernie😄

  • Tinwheeler
    Tinwheeler Forum Participant Trusted Posts: 23,373
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    edited January 2022 #200

    Then the answer is obvious…..

  • Unknown
    Unknown Forum Participant
    edited January 2022 #201
    The user and all related content has been Deleted User
  • peedee
    peedee Club Member Posts: 9,499
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    edited January 2022 #202

    No, just don't use Club sites. wink

    peedee

     
  • nelliethehooker
    nelliethehooker Club Member Posts: 13,990
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    edited January 2022 #203

    Spot on, lots of good CLs, with a wide range of facilities to suit all, in the county.

  • KjellNN
    KjellNN Club Member Posts: 8,727
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    edited January 2022 #204

    Would you like to share the name of the site JVB?     We are heading that way later this year.

  • Tinwheeler
    Tinwheeler Forum Participant Trusted Posts: 23,373
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    edited January 2022 #205

    I’m not JVB 🤷🏻‍♂️

    I do like the Norfolk Broads club site though and can recommend that.👍🏻

  • KjellNN
    KjellNN Club Member Posts: 8,727
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    edited January 2022 #206

    Mmm....I know that....something went wrong there,

  • Cornersteady
    Cornersteady Club Member Posts: 14,632
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    edited January 2022 #207

    Again another one for the Norfolk Broads site, central to most places there and close to two lovely villages and the water. The SPs are the largest I've ever been on.

    Cromer is another excellent site within walking distance of the beaches and town, and the newer SP are excellent.

  • KjellNN
    KjellNN Club Member Posts: 8,727
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    edited January 2022 #208

    Both nice sites, which we have used several years back, but sadly too expensive for us these days.

  • Tinwheeler
    Tinwheeler Forum Participant Trusted Posts: 23,373
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    edited January 2022 #209

    Really? 🤔

  • KjellNN
    KjellNN Club Member Posts: 8,727
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    edited January 2022 #210

    Yes, in the absence of a  magic money tree, value for money has to be considered.   Plus  why pay for facilities we most likely would not use, since we have all we need in our van.

    Both those sites are a fair bit over £30 per night at a time of year we might visit the area, just too much if we wish to continue having our usual number of nights away.

    Rather have a CL and more nights away

  • Tinwheeler
    Tinwheeler Forum Participant Trusted Posts: 23,373
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    edited January 2022 #211

    I see. Each to their own, eh👍