CONservative government incompetence.
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 steeleye20 Online  Croydon 26 May 23 6.56pm |
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The whole Tory party is hitched to the wagon of Brexit lies, so the leader must be a liar, too. And when you routinely lie about one topic, it becomes second nature to lie about others. So honesty can never return to our government until we have a party in power that openly admits to all the disastrous effects of Brexit. Farage is actually being honest, it feels insane, but he is not a tory so he can tell the truth as he feels it. There is nothing coming this way for us, not for a long time.
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 georgenorman 26 May 23 8.33pm |
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Originally posted by steeleye20
The whole Tory party is hitched to the wagon of Brexit lies, so the leader must be a liar, too. And when you routinely lie about one topic, it becomes second nature to lie about others. So honesty can never return to our government until we have a party in power that openly admits to all the disastrous effects of Brexit. Farage is actually being honest, it feels insane, but he is not a tory so he can tell the truth as he feels it. There is nothing coming this way for us, not for a long time. Your usual nonsense, great swathes of the Conservative party are Remainers.
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| Stirlingsays 26 May 23 9.14pm |
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Say what you like about Putin indeed. But in terms of what's going on in the west he will say things that no conservative here has the guts too....Even Trump won't be as bold to say these truths. [Tweet Link]
'Who are you and how did you get in here? I'm a locksmith. And, I'm a locksmith.' (Leslie Nielsen) |
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| steeleye20 Online Croydon 29 May 23 2.20pm |
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Food caps etc. not going to happen is it. ‘As commodity prices drop, many of the costs keeping inflation high are now arising from the muddle of new regulation coming from government. ‘Rather than recreating 1970s-style price controls, the government should focus on cutting red tape so that resources can be directed to keeping prices as low as possible.’
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| Stirlingsays 29 May 23 3.25pm |
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Originally posted by steeleye20
Food caps etc. not going to happen is it. ‘As commodity prices drop, many of the costs keeping inflation high are now arising from the muddle of new regulation coming from government. ‘Rather than recreating 1970s-style price controls, the government should focus on cutting red tape so that resources can be directed to keeping prices as low as possible.’ I've always been told that price caps don't work, at least not long term. But something has to be done Steely.
'Who are you and how did you get in here? I'm a locksmith. And, I'm a locksmith.' (Leslie Nielsen) |
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| Badger11 Beckenham 31 May 23 3.33pm |
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I feel the need to share this. My doctor friend is 60 this year she just asked for my advice on retirement. She wants to keep working P/T as she is a young and fit 59yo. According to her the NHS pension scheme she is in (there are multiple ones) means that if she doesn't take it at 60 there is no financial benefit to her by delaying it. If she takes it and continues working in the NHS then all her pension will be taxed at the higher rate. So her choices are: 1. Retire properly and put her feet up which will be a loss to the NHS. 2. Carry on working and take her pension and be punished by the tax man. 3. Carry on working don't take her pension and lose that money. Luckily for us the NHS isn't desperate for GPs I assume this impacts other NHS workers so why the hell don't they incentivise them to stay past 60 by increasing their pension for every year they defer it. Anyway I have suggested she see an IFA who specialises in GP's hopefully he can suggest a solution. Sometimes you just despair with the morons who come up with these schemes. Edited by Badger11 (31 May 2023 3.34pm)
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as you might consider that the pension scheme actually deters people from continuing to work.| Midlands Eagle 31 May 23 4.53pm |
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Originally posted by Badger11
My doctor friend is 60 this year she just asked for my advice on retirement. She wants to keep working P/T as she is a young and fit 59yo. According to her the NHS pension scheme she is in (there are multiple ones) means that if she doesn't take it at 60 there is no financial benefit to her by delaying it. If she takes it and continues working in the NHS then all her pension will be taxed at the higher rate. Isn't that the same for anybody though as it certainly is for me?
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cryrst  The garden of England 31 May 23 8.27pm |
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Originally posted by Badger11
I feel the need to share this. My doctor friend is 60 this year she just asked for my advice on retirement. She wants to keep working P/T as she is a young and fit 59yo. According to her the NHS pension scheme she is in (there are multiple ones) means that if she doesn't take it at 60 there is no financial benefit to her by delaying it. If she takes it and continues working in the NHS then all her pension will be taxed at the higher rate. So her choices are: 1. Retire properly and put her feet up which will be a loss to the NHS. 2. Carry on working and take her pension and be punished by the tax man. 3. Carry on working don't take her pension and lose that money. Luckily for us the NHS isn't desperate for GPs I assume this impacts other NHS workers so why the hell don't they incentivise them to stay past 60 by increasing their pension for every year they defer it. Anyway I have suggested she see an IFA who specialises in GP's hopefully he can suggest a solution. Sometimes you just despair with the morons who come up with these schemes. Edited by Badger11 (31 May 2023 3.34pm) It is said that a man and woman can never really be friends without one subconsciously wanting a bit ‘more’ from the friendship than the other, so more importantly badger was she a nurse in uniform years ago and …..would ya
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| Wisbech Eagle Truro Cornwall 31 May 23 9.41pm |
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Originally posted by Badger11
I feel the need to share this. My doctor friend is 60 this year she just asked for my advice on retirement. She wants to keep working P/T as she is a young and fit 59yo. According to her the NHS pension scheme she is in (there are multiple ones) means that if she doesn't take it at 60 there is no financial benefit to her by delaying it. If she takes it and continues working in the NHS then all her pension will be taxed at the higher rate. So her choices are: 1. Retire properly and put her feet up which will be a loss to the NHS. 2. Carry on working and take her pension and be punished by the tax man. 3. Carry on working don't take her pension and lose that money. Luckily for us the NHS isn't desperate for GPs I assume this impacts other NHS workers so why the hell don't they incentivise them to stay past 60 by increasing their pension for every year they defer it. Anyway I have suggested she see an IFA who specialises in GP's hopefully he can suggest a solution. Sometimes you just despair with the morons who come up with these schemes. Edited by Badger11 (31 May 2023 3.34pm) You have offered sound advice. It all depends on what type of scheme she is in but most pay increased amounts for a deferment Delaying taking any annuity should increase the amount in later years, for very obvious reasons. If she draws it now and still works then she risks falling into higher tax bands. The IFA might advise moving her pension pot to another scheme, although whether that is possible within the NHS is an unknown. You can defer taking the state pension and get a 1% increase for every 5 weeks deferred. Edited by Wisbech Eagle (31 May 2023 9.46pm)
For the avoidance of doubt any comments in response to a previous post are directed to its ideas and not at any, or all, posters personally. |
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| cryrst The garden of England 31 May 23 9.46pm |
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Originally posted by Wisbech Eagle
You have offered sound advice. It all depends on what type of scheme she is in but most pay increased amounts for a deferment Delaying taking any annuity should increase the amount in later years, for very obvious reasons. If she draws it now and still works then she risks falling into higher tax bands. You can defer taking the state pension and get a 1% increase for every 5 weeks deferred. 1% gross or on the actual weekly amount. So basically you can double your state pension if you defer for ten years or am I reading it wrong?
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| Badger11 Beckenham 31 May 23 10.13pm |
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Originally posted by Midlands Eagle
Isn't that the same for anybody though as it certainly is for me? I think the issue is that if she defers her NHS pension and continues to work she gets no benefit from it. Most pensions allow you to defer and it normally means you get a bigger pension when you do retire. Not sure why the NHS and the government haven't done this. There are multiple legacy schemes so maybe somebody starting in the NHS today doesn't have that problem.
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| Badger11 Beckenham 31 May 23 10.15pm |
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Originally posted by Wisbech Eagle
You have offered sound advice. It all depends on what type of scheme she is in but most pay increased amounts for a deferment Delaying taking any annuity should increase the amount in later years, for very obvious reasons. If she draws it now and still works then she risks falling into higher tax bands. The IFA might advise moving her pension pot to another scheme, although whether that is possible within the NHS is an unknown. You can defer taking the state pension and get a 1% increase for every 5 weeks deferred. Edited by Wisbech Eagle (31 May 2023 9.46pm) Not sure you can transfer your NHS pension but as you say there should be a scheme for deferring it we need every doctor and nurse. Anyway hopefully the IFA has a better understanding of the problem.
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