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Post by jaydee on Nov 17, 2022 12:45:09 GMT
But these rich pensioners who are living high on the hog were in their younger years are the ones who were working all hours, paying tax and scrimping to fund the pensioners. To introduce means test is ridiculous, if someone pays into NI they are entitled to a pension, if they are hardworking and sensible enough to provide further income by saving then bully for them. Part of my pension income is derived from a life time saving in ISAs, at the moment due to the low interest rates I receive practically nothing, the rates are kept low so that young people can afford sky high house prices. Much of our present ills stem from Blair and Brown, compounded by Tory indifference. Do you feel it is fair to provide lavish lifestyles together with dental care, pocket money and free STI treatment for those from Albania who wade ashore at the expense of those who have funded NI contributions all their working lives? It would hardly be acceptable to impose cuts in pensioners income (funded by their own contributions) whilst spending £7M A DAY on comforts for foreign criminals who have invaded our country. You keep asking the wrong questions. Why are the foreign criminals who have invaded your country. In your country. And who's fault is it. Let me think now. Ah the fascists wankers in Westminster who call themselves a UK government. That you are a class one grade A top of the pops apologist for. Who fill your head with drivel and imaginary enemies to hate. And swallow the absolute hate filled fanny hook line and sinker. In your case the Scots. And costs me as a UK tax payer. Yet you feel stupid enough to rant absolute havering slastering garbage about My Country. Which you as a English tax payer. Does not cost you one brass farthing. In terms of the UK pension it is the worst in the developed world. A fecking disgrace.  |
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Post by Toreador on Nov 17, 2022 13:13:19 GMT
How much has the British taxpayer contributed to that, how much NI contributions, how much tax? What your on about every working person pays income tax and ni contribution and your generation contributione want on your generation. its this generation that having to pick up the huge and growing bill of state pensions and social care . With the gpd dedecreasing month on month and the slowiest growth in the G7. Britain can ill aford to hand out such massive handouts to state pensions . there a econmic time bomd and something needs to get done sooner or later. I've already told you that despite having been a long time pensioner I pay tax on my pensions, in fact, since I was 65, I've paid well over £20,000 in income tax as well as fuel tax and other taxes. I've already told you I am a recognised carer who does not claim a penny. I do other things that cost money for which I claim not a penny and I'm guessing there are others on here who do much the same. I've no doubt I had to help pay for your failed education. |
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Post by totheleft3 on Nov 17, 2022 13:36:52 GMT
Well if you pay tax like you said you must have more money then the tax threshold and you still think you should be entitled to state pension .
What I propossed a means tested state pension would stop people like you claiming it .
And it would go to help support the OAP who paid income tax and ni contributions who cant afford the heating over the winter months and freeze to death.
But that wouldn't bother you would it.
Has for your taxes paying for my failed education yea it did ha, ha
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Post by Toreador on Nov 17, 2022 14:05:31 GMT
Well if you pay tax like you said you must have more money then the tax threshold and you still think you should be entitled to state pension . What I propossed a means tested state pension would stop people like you claiming it . And it would go to help support the OAP who paid income tax and ni contributions who cant afford the heating over the winter months and freeze to death. But that wouldn't bother you would it. Has for your taxes paying for my failed education yea it did ha, ha I'm entitled to state pension for two reasons: 1. Because I paid for it. 2. Because the government says I am entitled to it. Since you totally fail to understand anything that doesn't smell of the left, I won't bother to educate you. |
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Post by totheleft3 on Nov 17, 2022 14:22:46 GMT
You can get tax relief on private pension contributions worth up to 100% of your annual earnings.
No tax on savings like isa
So much for paying a fair share in taxes
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Post by om15 on Nov 17, 2022 15:24:21 GMT
Jaydee, thank you for your observations, one thing to note is that the reason the pensions are lower in the UK than other countries is because the deductions from the NI is less, in other words the citizens of other countries pay more for a bigger pension.
I hope that explanation is not too complicated for you.
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Post by Fairsociety on Nov 17, 2022 15:42:21 GMT
Well I don't mind paying more taxes if it eases the burden on struggling families, and I will be up there with the high earners and big tax payers, but I think it's fair how he is distributing it, (with the exception of illegal migrants). I have noticed a lot of my employees are struggling, and I think it's fair that employer's such as myself shoulder some of that burden. They are all in for a nice surprise on the 1st December.  |
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Post by totheleft3 on Nov 17, 2022 15:48:42 GMT
Well I don't mind paying more taxes if it eases the burden on struggling families, and I will be up there with the high earners and big tax payers, but I think it's fair how he is distributing it, (with the exception of illegal migrants). I have noticed a lot of my employees are struggling, and I think it's fair that employer's such as myself shoulder some of that burden. They are all in for a nice surprise on the 1st December. Thats nice christmas bouness seem to be a thing missing from the work place these days. |
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Post by Fairsociety on Nov 17, 2022 15:52:14 GMT
Well I don't mind paying more taxes if it eases the burden on struggling families, and I will be up there with the high earners and big tax payers, but I think it's fair how he is distributing it, (with the exception of illegal migrants). I have noticed a lot of my employees are struggling, and I think it's fair that employer's such as myself shoulder some of that burden. They are all in for a nice surprise on the 1st December. Thats nice christmas bouness seem to be a thing missing from the work place these days. I totally agree, when I first started out, wondering what my Christmas bonus was going to be was part of Christmas, and even more so the way things are now. |
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Post by Handyman on Nov 17, 2022 16:32:29 GMT
Well if you pay tax like you said you must have more money then the tax threshold and you still think you should be entitled to state pension . What I propossed a means tested state pension would stop people like you claiming it . And it would go to help support the OAP who paid income tax and ni contributions who cant afford the heating over the winter months and freeze to death. But that wouldn't bother you would it. Has for your taxes paying for my failed education yea it did ha, ha Well done you managed to work out when the tax threshold kicks in, the Welfare State came into being just after WW2 ended, which included a pension scheme which all in work contributed to, those who finally stopped working due to age or because they could receive the state pension, that was the deal mad back then and still stands to this day Those who continue to pay into the system as they were still working and pay taxation on their income plus NI place today funds the State Pension Those who have never been able to work and unable to contribute to the system are looked after quite rightly and are still awarded a Pension by the state if they live long enough to be eligible, and any other benefits they maybe entitle to, those who have avoided work or worked and contributed occasionally and contributed very little if anything still get a pension from the State. Toreador myself and many other people also paid into a private pension or pensions from their income to provide for our old age, my wife who is in receipt of the state pension but still chooses to work, when she stops, she also has a private pension again all paid for over 30 years of paying in. Those of us in the position after all the hard work and being prudent still pay income tax on everything over the tax threshold, ergo we are still paying into the system. As for your last line, that says an awful lot about you and your thought processes which sums you up perfectly and not in a good light. |
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Post by see2 on Nov 17, 2022 17:12:45 GMT
Well if you pay tax like you said you must have more money then the tax threshold and you still think you should be entitled to state pension . What I propossed a means tested state pension would stop people like you claiming it . And it would go to help support the OAP who paid income tax and ni contributions who cant afford the heating over the winter months and freeze to death. But that wouldn't bother you would it. Has for your taxes paying for my failed education yea it did ha, ha Well done you managed to work out when the tax threshold kicks in, the Welfare State came into being just after WW2 ended, which included a pension scheme which all in work contributed to, those who finally stopped working due to age or because they could receive the state pension, that was the deal mad back then and still stands to this day Those who continue to pay into the system as they were still working and pay taxation on their income plus NI place today funds the State Pension Those who have never been able to work and unable to contribute to the system are looked after quite rightly and are still awarded a Pension by the state if they live long enough to be eligible, and any other benefits they maybe entitle to, those who have avoided work or worked and contributed occasionally and contributed very little if anything still get a pension from the State. Toreador myself and many other people also paid into a private pension or pensions from their income to provide for our old age, my wife who is in receipt of the state pension but still chooses to work, when she stops, she also has a private pension again all paid for over 30 years of paying in. Those of us in the position after all the hard work and being prudent still pay income tax on everything over the tax threshold, ergo we are still paying into the system. As for your last line, that says an awful lot about you and your thought processes which sums you up perfectly and not in a good light. It created a rush for early retirement I think the fly in the ointment here is the 'Fanal Salary Pension'. Based as it says on final salary. AFAIA it encouraged a mass of early retirements a few decades ago which helped to screw up many pensions. |
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Post by Handyman on Nov 17, 2022 18:53:59 GMT
Perhaps some did back then in the Public Sector especially in Local Government when two third final salary Pensions were stopped
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Post by colbops on Nov 17, 2022 18:54:50 GMT
Well done you managed to work out when the tax threshold kicks in, the Welfare State came into being just after WW2 ended, which included a pension scheme which all in work contributed to, those who finally stopped working due to age or because they could receive the state pension, that was the deal mad back then and still stands to this day Those who continue to pay into the system as they were still working and pay taxation on their income plus NI place today funds the State Pension Those who have never been able to work and unable to contribute to the system are looked after quite rightly and are still awarded a Pension by the state if they live long enough to be eligible, and any other benefits they maybe entitle to, those who have avoided work or worked and contributed occasionally and contributed very little if anything still get a pension from the State. Toreador myself and many other people also paid into a private pension or pensions from their income to provide for our old age, my wife who is in receipt of the state pension but still chooses to work, when she stops, she also has a private pension again all paid for over 30 years of paying in. Those of us in the position after all the hard work and being prudent still pay income tax on everything over the tax threshold, ergo we are still paying into the system. As for your last line, that says an awful lot about you and your thought processes which sums you up perfectly and not in a good light. It created a rush for early retirement I think the fly in the ointment here is the 'Fanal Salary Pension'. Based as it says on final salary. AFAIA it encouraged a mass of early retirements a few decades ago which helped to screw up many pensions. How so? If someone retires early they still aren't entitled to a state pension until they reach state retirement age. As for final salary pensions, the companies I've worked for that had them in place (not for new people anymore sadly) were littered with people that were going through the motions waiting to get to retirement age because they needed to cover the 'time served' aspect to get the full entitlement, and/or didn't want to see their monthly amounts reduce by starting to draw their pension early |
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Post by Handyman on Nov 17, 2022 18:57:35 GMT
I think the fly in the ointment here is the 'Fanal Salary Pension'. Based as it says on final salary. AFAIA it encouraged a mass of early retirements a few decades ago which helped to screw up many pensions. How so? If someone retires early they still aren't entitled to a state pension until they reach state retirement age. As for final salary pensions, the companies I've worked for that had them in place (not for new people anymore sadly) were littered with people that were going through the motions waiting to get to retirement age because they needed to cover the 'time served' aspect to get the full entitlement, and/or didn't want to see their monthly amounts reduce by starting to draw their pension early I agree if you retire before you reach the set retirement age for the State Pension you can't claim it until then , |
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Post by dodgydave on Nov 19, 2022 4:14:25 GMT
Are you and others saying without state pensions you wouldnt beable to afford the comfortable lifestyle they paid for when taking out private pension. So, people paid National Insurance for 40 years on the understanding that they received a state pension, and you think you have a morale case for withholding it? lol. I'm sure that policy would stand a legal challenge lol. How far do you want to take your politics of envy? Should we link VAT to wealth too? The rich can pay £100 for a pint of milk, the working class £1, and a dole dosser can have one for free lol. |
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