Pension.Work an extra year if under 55

Que a response from a snowflake saying i am being heightest

there were no complaints when it was 40 years lord only no,s why they dropped it to 30,then back to 35, it will obviously go back to 40 in time

I don't think Facts should refer to National Insurance contributions as "wasted money":

What do National Insurance payments pay for?

Your National Insurance payments go towards state benefits and services, including:

The NHS
Unemployment benefits
Sickness and disability allowances
The State Pension

Maybe Facts doesn't care about the sick, unemployed and disabled

of course under the last so called unworkable system a working man on a decent wage could get a combined state pension of up to £270, now you can work as long as you like and earn as much as you like still pay the same amount of ni and be limited to a maximum of £155,of course no word of the where the extra money goes

Degs    22 Nov 16 10:42 
I'm pretty certain that if you were born after 6th April 1951, it's 35 years of contributions now.


I was born before that date. You're correct it's now 35 years

Crisp

Wasted in terms of ones own personal pension.

paying £30 ni or £100 ni is also now wasted as everyone in future will get £155 no matter how much ni you pay,no word from the government where the extra money goes,
this flat rate pension for which libdem mp webb got parlimanterian of the year is probably the biggest scam ever waved through the house of commons,perfect example of 660 mp,s waving something through with probably less than 10 of them understanding what it mean,biggest con ever

Agreed

For a long time,  I have believed that pensions will be means tested by the time I get to retire.

why dont they call it income tax instead of NI after 35 years

because its a dirty word and they fight over bringing headline taxes down whilst
draining the public in other ways

of course if you are rich you dont need pay any tax

trumpy reckons its a mugs game

There are a myriad of taxes, but NI isn't one.  As it goes towards your 35 year contribution target and therefore your pension, there are some direct-ish benefits.

There are no benefits to paying income tax other than the altruistic!

Generations of women retired at 60 , on it's way to 68 for the rest , my missus wont be happy.

of course NI is a tax

It all comes out of the same pot and all goes down the same hole.

yeh but if you carry on working after 65 at present you dont pay ni,if its added to the paye you will pay it,so with more and more people working past their retirement date you can bet you bottom dollar the 2 will be merged free money for the government,

Its all very well saying people must work for longer but I'd love to know what industries are crying out to employ 66 year olds.

house of commons,lords

B&Q like the oldies to work for them.

granny porn

what happens if you don't work much of your life on the books ? what kind of pension do you get 

what happens if you don't work much of your life on the books ? what kind of pension do you get

Go to the govt pension forecast site and you can see all the years you contributed and how much you will be getting.

you can phone them and they will send you a written projection

...job creation in action

It's been known for many years now that retirement age is now 66 and in some case (mine included) it is 67. As for the NI contributions, last year I'd comfortably passed the 30 year barrier and have a quote in the drawer beside me clearly stating this. I've now ordered another under the new rules but I think, in April 2016, I hit 35 years. Didn't it used to be 44 years at one time

Nov 22, 2016 -- 1:29PM, TheBaron wrote:

Its all very well saying people must work for longer but I'd love to know what industries are crying out to employ 66 year olds.

I don't think they can retire them under the new rules unless they have a genuine excuse. There is no upper limit anymore as far as I'm aware

no ,they just make your life unbearable ask you to do the worst jobs etc so in the end you pack in anyway

can't argue that point 1tp

Number to get a pension quote as Donny pointed out...

Telephone: 0345 3000 168

basicaly to use the modern vanacular  if you dont add value you,ll be gone one way or another whatever the law says,medicals,fitness tests etc.etc

You know the daft thing about all of this; ok, nowhere near retirement but the first two to arrive every day (me and a female colleague) are both in their 50's; all the others are under 30 and not one of them of them arrive, on time, on ANY day... and this includes the manager! Go figure!

One company I admire in this field is GSK. For some reason age isn't a problem with them and they hire old just as much as any young and they pay well too! (I'm not with them btw)

TheBaron 22 Nov 16 16:38 Joined: 18 Jan 08 | Topic/replies: 1,025 | Blogger: TheBaron's blog
what happens if you don't work much of your life on the books ? what kind of pension do you get

Go to the govt pension forecast site and you can see all the years you contributed and how much you will be getting.


Rather not know

1st time poster 22 Nov 16 17:11 Joined: 25 Dec 05 | Topic/replies: 20,540 | Blogger: 1st time poster's blog
no ,they just make your life unbearable ask you to do the worst jobs etc so in the end you pack in anyway

Very Very true

How much do you get if you have contributed basically zero they can't make you live on nothing can they ?

They're Tories. Of course they can ! They're trying their upmost to make it so.

In factories etc they want you at your position/station whatever they call it now at say 9am your start time

But they want you to turn up 10 minutes or so before to get into your factory gear which takes a good few minutes.You should be paid from entry to leaving when you arrive at your post as they have you on watch getting ready.

exactly you just get means tested pension,benefits whatever tag you want to put on it ,think for a couple they say its around about £225 as a minimum to live on

I arrive early every day Chaser; I'm told "that is your choice"

Fair enough when you finish maybe say right that's it as people would maybe take the p1ss by leaving 30 minutes behind or so ( doubt it though as no one likes to hang about after work )

But if they say turn up at 10 to 9 because you need to be at your position at 9am as the other guy will be leaving then why not get paid for they 10 minutes?

I couldn't agree more in that scenario but isn't it the case of "ready for work" at 9am and if that includes being suitable dressed then that is the contract you sign... no?

Aspro last factory i worked in i travelled 2 hours by bus was 2 minutes late and taht was maximum 2 minutes and some polish wifey was trying to lay down the law.I tried to explain it's just the bus no big deal take it out my wages but no she just said don't let this happen again.Well it never as i fcked of the next day during my shift

the wife was telling me last night that she had her dinner at her desk,i told her it was against H and S law to have your dinner at your work station a law which applys to everyone managers etc

Aspro 22 Nov 16 17:52 Joined: 16 Dec 02 | Topic/replies: 5,829 | Blogger: Aspro's blog
I couldn't agree more in that scenario but isn't it the case of "ready for work" at 9am and if that includes being suitable dressed then that is the contract you sign... no?

possibly could be i suppose in some places and they talk that much sh1te at the inductions you turn off as they try to expalin this is a fire extinguisher and this puts fires out etc

Chefs wear watches when i worked kitchens i was told at every health and safety meeting no jewellery bar a wedding band

The chefs on tv wear watches let's get watchdog on the case

Not worked in factory for a good few years now and i honestly think i would crack after 10 minutes now before i even hit a position

Don't Chaser! I have to tell every client that enters the building the H&S regs. PLEASE... bring back the 80's

Is the managers foreign Aspro at your place

he think's he's Irish, but between you and I... he isn't

They break rules they lay down

Must war ear plugs ( well you aint got none in )

I had a job with an agency and was told during dinner break you cannot leave the grounds fair enough it was incase fires they said so your accounted for.But hey how about i just sign out? Then later on they said just don't make a habit of it.

We had a barney with the area manager about signing in and out. He stated there wasn't sufficient room on the register for this but then the (Irish) manager argued that we have about 20 cigs a day... point taken!

Aspro
Aspro 22 Nov 16 17:59 Joined: 16 Dec 02 | Topic/replies: 5,831 | Blogger: Aspro's blog
Don't Chaser! I have to tell every client that enters the building the H&S regs. PLEASE... bring back the 80's

I bet it's daily then if the places i work at are the same be as well having a revolving door

Indeed!

Aspro 22 Nov 16 18:08 Joined: 16 Dec 02 | Topic/replies: 5,832 | Blogger: Aspro's blog
We had a barney with the area manager about signing in and out. He stated there wasn't sufficient room on the register for this but then the (Irish) manager argued that we have about 20 cigs a day... point taken! Laugh

Kitchens i worked in i used be able to go sit outside , have a smoke as long as the work was up to a reasonable standard but factories was special times and if you left your post for a p1ss you where skiving

Red team GO blue team GO

The head of the station had a stop watch in the last place i sh1t you not

SAFETY PERSONS MOTTO

i dont no anything about your job or how to do it,
BUT I NO YOUR DOING IT WRONG,

One of them was like box faces this way picture to you i went ok starting boxing up stuff

then he comes and said i said picture this way ( there was a picture on both sides ) some people just think they are the brains of the factory as they been there longer.I would never take the p1ss out no one at work places but if it comes to me then i won't be holding back.

1st time poster 22 Nov 16 18:13 Joined: 25 Dec 05 | Topic/replies: 20,543 | Blogger: 1st time poster's blog
SAFETY PERSONS MOTTO

i dont no anything about your job or how to do it,
BUT I NO YOUR DOING IT WRONG,LaughLaughLaughLaugh



Make sure your overalls are clean ( well i don't wash them the laundry people do so go tell them )

the wife was telling me last night that she had her dinner at her desk,i told her it was against H and S law to have your dinner at your work station a law which applys to everyone managers etc

interesting, can you give me a link to that law ? might be useful

get everyone a copy at your workplace and you can take over

no links just something you pick up at grouse,safety meetings etc

its 2 fold hygiene , and your not considered as getting a break if your still at your desk,plus some companies see it as a chance for all staff top to bottom to eat in the same space

has anyone been in a factory and the fire alarm has gone off? if so was the ordinary queue formed as H and S have in place

you said it was law. I'd like a link to the law.

is it same at call centres ?

never worked in one but i know they munch at the desks

Done one test fire alarm chaser but nothing more. Easy to form a queue when nobody is genuinely worried.

As for the links 1tp I recently received an email stating we could eat at our desks too

course they do because it suits management for you to still be at your station whilst having your break it also suits the employee,s sometimes, but if want to fight it and have a union etc the law says your entitled to your dinner away from the work station,obviously in todays workplace they,ll try to chase you,but in dirty factorys etc your entitled to wash up remove your overalls,PE, etc and have your break in a designated area ,canteen etc

that's not what you said originally. You said it was against the law to have dinner at your work station, not that you had the right to have it elsewhere

if your work station has some valuable tecq equipment on it try pouring a few cups of hot coffee over it ,doing a few grands worth of damage and see what they say about having your lunch at your station

you will be told to swiftly take your lunch to the canteen unless you are a suck up

by law i meant health and safety law

with an agency i worked for they must have been desperate as out of like 500 people i think 20% where maybe from the UK

None of the others could hardly speak English this guy said he was from Argentina but i had my doubts as i know some Spanish words

When i joined the photocopier was broken and told to keep our photo IDS until it got fixed anyway when i left it still wasn't sorted so how many illegals i wonder.

if your work station has some valuable tecq equipment on it try pouring a few cups of hot coffee over it ,doing a few grands worth of damage and see what they say about having your lunch at your station

I know that, but I want you to show me the H&S legislation (law). Can't be hard if you're familiar with it. A I say, might be useful.

im reading reviews on the place i worked and someone said we learned a lot like to use buffers etc  


further down i see they blame managers for passing the buck that's more like it when i was there

the hardest part of this job was being fast when biscuits came down of the coveyor belt youd have to be very quick

he was probably the argentine and probably meant BLUFFERS,

You want to get on the fork lifts thats when the big bucks start rolling in...this is no quote this is from me

1st time poster 22 Nov 16 18:57 Joined: 25 Dec 05 | Topic/replies: 20,550 | Blogger: 1st time poster's blog
he was probably the argentine and probably meant BLUFFERS,Laugh

We had colour coded hats red meant you know the fire code or something , white was agency and green was workers for the company

this rangers fan was saying on my first day i hate celtic and would never wear any green i was looking at his hat trying to keep my laugh in

"money is great get paid every week"


Money great this guy must live in a bedsit

if you can

be self employed

1st time poster
the wife was telling me last night that she had her dinner at her desk,i told her it was against H and S law to have your dinner at your work station a law which applys to everyone managers etc

No it isn't. Some companies might make this part of their H&S rules but it isn't the law.

Marks & Spencer meal deal totally acceptable

People of a certain age can still get their pension at 65

Make it another 5 years.  Still not enough.

Sounds like everyone is just sitting around waiting on a pension

I expect some historian will pinpoint when it went from a safety-net to a Ponzi-scheme.

There is also an additional means test that tops up the pensions of the less wealthy. This additional amount is called the Pension Credit, or Minimum Income Guarantee. Those who qualify are guaranteed a weekly minimum £151 for a single person and £230 for couples.9 Feb 2015


No need to invest in the scheme be living like a king with this.Can you get your pension paid to you if you leave the UK now or does Brexit rule this out 

Brexit (if it happens) is years away. Make hay whilst the sun shines...

No fkcing sun shining here

already heard about 6 buisness people on tv today saying they want to hire people but keep putting it off,i dont get it

if you need a job doing and it adds value to your company you hire someone,you,d be a fooll not to,and viva versa

do they really mean they,d like some grant,subsidy ,free labour off the government

They are going to get rid of ZERO hour contracts ( big talking point )

But just offer 12-16 hour contracts ( more than likely ) so it's working for Dole money if your min wage ( no change )

Even go back 10 year no one was obliged to take a job unless it was like 30 hours

Now if you turned down a job doing 2 hours they would be branded a lazy feck

ban on letting fees,so rents go up dont they,

Yeah but affordable housing is here so all good

And min wage is going to £7.50 ffs you can't have it all

those on universal benefit can keep an extra 2p in every £ extra they work,yippee get the arrowbars in, FFS, only paying an effective tax rate of 63% then on any extra hrs worked,gary barlow and jimmy carr said no thanks

those on universal benefit can keep an extra 2p in every £

And the £ is at an all time low so a can of coke say costs more still

Min wage will be £7.50 that's 8.70EU or $9.28 

Not long ago i used to get $2 for my £1 in poker

lots of firms like to hire folk on short time as it reduces
NI costs

it can be a big step taking on full time staff as an attempt
to expand, and understandable that some firms are hanging back.

government could easily get on with things

of course if a job needs to be done staff will be hired to
fill vacancy.

imagine any worker in the world been told for every extra £ you earn we,re taking 65p of you, n ever mind the lowest paid and its took ids 10 yrs and billions of quid to come up with this beauty and its still only rolled out to a small minority

imagine paying 98p in the pound of earnings over a certain amount

that was law too ....



getting folk off benefits and into work is a toughie if folk see benefit as
a right , there will be some transitional areas where work will not be rewarded fully

They have 3 people doing one job now in some places

A 40 hour week has become 3 x 12-16 hours in many places

But people still want mass immigration the youngsters leaving school will need to be 25 soon before they are allowed a cent from the dole.The Gov have also spent the pension funds more than likely and need to gte it back by either legalizing weed or punting out more dodgy pills for Doctors to test on unknown victims.

You see in Ireland they have more Tramadol deaths than any other drug

I know plenty people who have or are on this

Smoke with weed gets you fcked though

http://www.itv.com/news/utv/update/2016-10-06/prescription-painkiller-claimi...

Prescription painkiller tramadol, taken by thousands of people every day, is claiming more lives than any other drug – including heroin and cocaine – according to Northern Ireland’s top pathologist.