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Discussion in 'Personal' started by nizebaby, Nov 29, 2018.
We haven't had a good deal.
You should have your mortgage paid off by now though, look on the bright side.
https://www.amazon.com/Nytol-Herbal-Tablets-Pack-30/dp/B00KGURZMU give these a go, or go for a good brisk walk before bed (unless you live in Manchester!)
My mortgage still has a way to go.
I'll take your advice as kindly meant, and thank you for it. However, walking alone at night for a 64-yr-old isn't always a good idea!
I’m a little younger, but not by much. Yes, the changes were not well communicated and the transition stage too quick. I took my teachers pension at 60 and it’s fine but you don’t realise how long that period from 60 to 66 or more is until you are in it. Hence, part time work as well. (Not that I’m wishing my time away. I’m not.)
Plenty of people still have mortgages. This will be even more true in the future with people starting on the housing ladder later.
Being born in 52 and still in April but after the cut-off point of the 6th, I sympathise.
I was born in 1955 and also took my teacher's pension at 60. I wouldn't like to have been working in Early Years until the age of 66. At least I had the TP, I feel for other women my age doing jobs with no pension working until they drop.
People say we were informed over 20 years ago. We weren't! And then they kept changing the goalposts. I only got the official letter when I was 57. I had factored in getting the state pension at 60, when I took early retirement.
Making us wait another SIX years was just callous.
I took time out to look after the little waves. So not enough teacher pension to live on. I’m living off savings and getting my health sorted (insomniac doesn’t help) I staggered out when I retired at 60. Another six years teaching and I would have pegged it.
Mrs JD was born in 1954 and has to wait until July next year for her state pension. A friend who was born a few months earlier is getting hers.
She is not vehicle very happy about it.
Apologies to any pedantics for my fat fingers missing the 3 and putting in a 2. Of course that 'cut-off point was of course 6th April 53
And as Dunty says
Even up to a year ahead we were under the impression that it would be a 'staggered system' from 1950-55, until they suddenly decided there would be a cut-off point.
Well it was a sort of staggering, as I have friends in my schoolyear who have a difference of 9 months. Someone in Feb, got hers on her birthday in Feb. Anyone like me born in April had to wait 3+ months, friends born in June/ July had to wait 6+ months
Just to remind people that
as you wait for your state pension by some devious means, you will become liable for extra NICs for the years in between early retirement and getting your state pension.
And some people are offered the chance to buy these which cost say 700 hundred pounds for each year.
If you do any childcare for your grand children, and your daughter is working and paying NICs you can claim these for yourself. It does not have to be regular care, or even when said daughter is at work, just contributing to the well being of a working family, so sleep overs count.
You just download a form and fill it in and your daughter signs it.
This is claiming the double NICs that women have - they work and pay NICs and they are attributed NICs by claiming Family Allowance.
It is just a pity they cannot allow your own double NICs from the past but Hey - this is Monopoly.
And the working parent has to transfer any child benefit credits to the person looking after the under-12 child.
Thanks for that @Nellyfuf2. I've just filled in the forms.
If they are working they will have paid their NI anyway.
Only if you are still working,surely? I assume that if you take your teaching pension at 60,you don't have to pay NICs,unless you are in paid employment?
Women are getting the equality they always wanted. What's so bad about that?
In fact she is trucking annoyed.
I don't think they wrote to you personally.The changes in the 90s and later were on the TV news or newspapers. Of course, it's easier to get info nowadays with constant access to Internet and news stories popping up on your phone.
However, I agree that the further change, when people thought they were safe is somewhat unfair.
If their income for the year is above the lower earnings limit.
Well that applies in my case. If people are ineligible then they will find out when they apply. What is your problem?