Cycling UK Forum

Natural Ankling you need to find proper sources for your info re Scotland and not the BBC or Tory Press.

There are some screamingly obvious things IME. I have been prescribed low dose aspirin. Never matter that I've been taking it for 15 years already, and that a year's supply costs a couple of quid, they religiously supply it as part of my repeat prescription (I do the annual card scheme).

Btw the repeat home delivery prescription service from pharmacy2u is excellent, lest anyone is interested

Hi,

ambodach wrote:Natural Ankling you need to find proper sources for your info re Scotland and not the BBC or Tory Press.

Don't read Tory press specifically.
Correct me on anything I have said.
What makes you think I read tory anything?

I am not surprised that scotland have bad health, I have been there several times.
Its dark being far north.
Food is not what you expect in the rest of England.
Scotland did have worst heart heath in all of EU!(Corrected from UK)

Sorry 934 not 1000!
https://www.nrscotland.gov.uk/files/sta ... 17-pub.pdf

Hi,
On prescriptions, been on mass meds for over 37 years, I will be 60 soonnnnn hip hip.

NATURAL ANKLING wrote:Hi,

ambodach wrote:Natural Ankling you need to find proper sources for your info re Scotland and not the BBC or Tory Press.

Don't read Tory press specifically.
Correct me on anything I have said.
What makes you think I read tory anything?

I am not surprised that scotland have bad health, I have been there several times.
Its dark being far north.
Food is not what you expect in the rest of England
Scotland did have worst heart heath in all of uk.

Sorry 934 not 1000!
https://www.nrscotland.gov.uk/files/sta ... 17-pub.pdf

Oops!

Psamathe wrote:My comment is completely true. I received letters from the government, I received information from my employer. I received information from my private pension company. When I make plans for my future I check on variables rather than make assumptions.

This is exactly the point.

We received no notice about Mrs Mick F having to wait until 66. We knew that they were bringing the pension ages male/female together, but it didn't affect Mrs Mick F too much as it was well in the future. We knew that it would affect us a bit, and we took notice of it.

We have received no letters from anyone that they brought all this forward.
Millions(?) of others are like us.
We had no idea about her having to wait much beyond 60 to perhaps 62 .............. but now it's 66.

First we heard about this fiasco was about a year ago when chatting to a similarly affected lady.

Mick F wrote:

Psamathe wrote:My comment is completely true. I received letters from the government, I received information from my employer. I received information from my private pension company. When I make plans for my future I check on variables rather than make assumptions.

This is exactly the point.

We received no notice about Mrs Mick F having to wait until 66. We knew that they were bringing the pension ages male/female together, but it didn't affect Mrs Mick F too much as it was well in the future. We knew that it would affect us a bit, and we took notice of it.

We have received no letters from anyone that they brought all this forward.
Millions(?) of others are like us.
We had no idea about her having to wait much beyond 60 to perhaps 62 .............. but now it's 66.

First we heard about this fiasco was about a year ago when chatting to a similarly affected lady.

What surprises me is that when most people plan for their retirement they will be checking up on many things e.g. their NI contribution history, what pension they will actually get (given the other changes going on with the enhanced pension things), etc. And any one of those checks would have highlighted the pension age checks.

Retirement is a big financial decision and when planning for it most people will base their planning on more than their assumptions.

Ian

Mick F wrote:

Psamathe wrote:My comment is completely true. I received letters from the government, I received information from my employer. I received information from my private pension company. When I make plans for my future I check on variables rather than make assumptions.

This is exactly the point.

We received no notice about Mrs Mick F having to wait until 66. We knew that they were bringing the pension ages male/female together, but it didn't affect Mrs Mick F too much as it was well in the future. We knew that it would affect us a bit, and we took notice of it.

We have received no letters from anyone that they brought all this forward.
Millions(?) of others are like us.
We had no idea about her having to wait much beyond 60 to perhaps 62 .............. but now it's 66.

First we heard about this fiasco was about a year ago when chatting to a similarly affected lady.

Do you/shall you get less money than expected, could your lifestyle be affected? Did you not buy a new vehicle quite recently?
..
I am thinking about retirement planning, what about unknowns, inflation?

Do go and get independent advice. We are in the middle of that process at the moment.

Bonefishblues wrote:Do go and get independent advice. We are in the middle of that process at the moment.

It is very easy to have an inadequate NI contributions record (at least that is what I've found) and options to buy additional contributions are limited (I am told). Hence the need to plan hence the need to make checks when doing that planning, hence people will discover the situation they are in.

Ian

Psamathe wrote:

Bonefishblues wrote:Do go and get independent advice. We are in the middle of that process at the moment.

It is very easy to have an inadequate NI contributions record (at least that is what I've found) and options to buy additional contributions are limited (I am told). Hence the need to plan hence the need to make checks when doing that planning, hence people will discover the situation they are in.

Ian

It's an easy check to make though - a minute or so if you have a Govt Gateway login, slightly longer if you have to register first.

Bonefishblues wrote:It's an easy check to make though - a minute or so if you have a Govt Gateway login, slightly longer if you have to register first.

No it's not. I tried to contact HMRC recently, attempted to log on with my Gov Gateway login. It didn't recognise me. Same with Mrs rjb. We haven't logged on for 2 years so it looks like we have been deleted. What a hassle.

Psamathe wrote:[/p]
What surprises me is that when most people plan for their retirement they will be checking up on many things e.g. their NI contribution history, what pension they will actually get (given the other changes going on with the enhanced pension things), etc. And any one of those checks would have highlighted the pension age checks.

Retirement is a big financial decision and when planning for it most people will base their planning on more than their assumptions.

Ian

Yes I started our planning in my mid 30s. I took out a pvt pension to kick in aged 60 the OH would also get her pension aged 60 two years after me. Later in life we are told she won’t get a pension until aged 62. OK not great but we can live with it. Then later in life you do start looking to see if you’ve enough contributions and what will you get? Then you also learn OH has to now go until after her 65th bday. Women only 3 or 4 months older get theirs aged 64. Those a year older got it aged 62. So at this point in your life what can you do to mitigate these circumstances? Sweet FA.
Whilst I fully agree it’s all about equality the timescale and notifications of this change has been extremely cruel for a number of people. Sadly not enough people/ voters to sway a Tory government though.
Now if, when you were younger, you were clever enough to realise the Gov would change the goal posts and if you were rich enough to enable an insurance against this happening bully for you.
Meanwhile the "magic money tree" has found another 1.5 billion to buy NI DUP votes.

rjb wrote:

Bonefishblues wrote:It's an easy check to make though - a minute or so if you have a Govt Gateway login, slightly longer if you have to register first.

No it's not. I tried to contact HMRC recently, attempted to log on with my Gov Gateway login. It didn't recognise me. Same with Mrs rjb. We haven't logged on for 2 years so it looks like we have been deleted. What a hassle.

No, it really is - unless your login lapses due to lack of use, clearly

Bonefishblues wrote:[
It's an easy check to make though - a minute or so if you have a Govt Gateway login, slightly longer if you have to register first.

AFAIK this Government Gateway malarkey is quite a recent thing. If you find it easy and fruitful can I assume you have a passport or maybe a picture driving licence? Without something like this you’re a nobody and every attempt you try to make sense of it all can leave you in a foetal position groaning in agony.