These countrys that riot or protest are mainly full of tbere own people.
England is not ours anymore. Took over n run by the muslim islam brigade.
Touchy subject.

we are still living in a country that is over 80 per cent white. the other 20 per cent is the one that gets all the publicity and faces seen on the box. places like bradford and blackburn have many areas where you hardly see anything but a white face but still get mentioned as a muslim takeover.

67 for me the twats, just miss 66.

One thing about the French..they won't be fcked over

Nous n'avons pas ca comme ca.

May wee as Del boy would say.

How do the recent arrivals say in the last few years and qualify for Asylum get the State Pension, they won’t have the required number of credits ?

I hope this is wrong.
WTF .

Theres loads of them in Hpool now.
Probably take over the thousands of posh villages in 10 years time.
Wonder which village gets the 1st Mosque.
Greatham twinned with Tehran.

in the same way as the workshy and women who choose not to work get one. those who work all their lives are helping to subsidise em. tell em at the outset they,ll get sod all before they arrive except for their basic needs that have to be provided by international laws.

More doom and gloom for those near retirement with company or private pension partly caused by Truss and Kwarteng budget,
https://finance.yahoo.com/news/pensions ... 16791.html

Yes i have a small private pension from the contracting out of SERPS issue in 1980/90s.
20% was my drop.
Truss and Kwarteng should swing.

Regarding state pension ages which wernt mentioned today.
I found an article that it was recommended and agreed in parliament last week. That the 68 year old retirement age has been brought forward 7 years from 2044 to 2037 which only effects people born after April 5th 1970.
Millions of people being thousands of pounds worse of saving the tories billions.
Not a lot happened today apart from confirmation that even when energy bills come down slightly in July we still paying 100% more than 2 years ago.

Roll on the next general election and get rid of this scum who only look after the rich.

Opinions welcome as always.

With the price of whole sale gas and crude oil at pre Ukrainian conflict levels why are we still paying high energy costs, the reason for it is energy companies can see people in general can manage to pay their current energy bills so why reduce them ? They will never return to the pre Ukrainian price same as food it goes up but never reduces by any significance, it’s called profiteering.

In the U.K. we just lie down and take it up the a***, more bad news today I think your pension pot will have shrunk even more due to issues with the banking stocks yet the bankers will still receive their massive bonuses which the Tories have removed the cap from.

If you receive the state pension and have a small private pension, someone who has never worked will get the same pension and be able to claim credits probably surpassing the person who has has bothered to take out a company pension….. a fecking joke.

The recent £1 million lifetime allowance pension change is going to be great news for highly paid executives and directors who are going to vastly benefit from this to a tune of about £4 billion.
Its going to be justified in that it will keep some doctors in the NHS towards the tail end of their careers.............yes thats true but we are not talking about a lot of people here and something separately could have been done to medics which would cost much much less.
Its a massive give away to the top 1% of the rich yet retirement dates are rising for the plebs.
But no doubt everyone will keep on talking about being charged £32 a year for the brown garden waste bin.
I despair.

Garden waste in a black bin liner then in middle of green bin.
Well that will be the Hartlepudlians solution to one of the highest CT in England.

The raising of the cap to £1.8m will only affect 15000 people in the country. No doubt loads of these live in Hartlepool.

a sick joke is that. its not the money i receive i have a grumble with its how it goes out quicker is the problem. paying that VAT annoys me far more than anything else i pay no matter what goes up as poorer you are it affects you more than the richer you are.

That is exactly what I will be doing KPG, Fuck em!!!!!

It's only a few months ago that Labour announced they would scrap the cap on the lifetime allowance ( announced by Wes Streeting) and now that the Tories have adopted their idea Starmer is saying, if elected, he would reverse the decision.
You couldn't make it up. Streeting's response was that the Tories opposed the idea and that he was trying to retain retiring doctors. Now the Tories are saying the same thing re doctors, Labour are changing their mind.
Meanwhile the doctors union, the BMA, are demanding, and striking for, a 35% pay rise.
The World has gone mad.
I do agree with the hike in corporation tax. The taxpayer helped businesses enormously during the pandemic, so they can now pay a bit back to help the taxpayers to fund these equally enormous public sector pay demands.
It is ironic that, on the one hand doctors can't afford to live and on the other hand they are retiring early.
Personally I don't think the NHS will ever recover simply because the staff won't let it.
They are walking blindfold into the break up of the NHS and it's subsequent privatisation.
It would be a tragedy because the NHS is one of the best things to happen to this country.

not for me in its current form. think we have done this topic before more than once. its not the NHS of the 20th century but a watered down version and all changes have not been for the best. a sensible disscussion on it going forward and a change to a private system needs to happen in parliament and private healthcare needs not to be the model from the usa which pro nhs people love to mention. anyone still alive who saw it starting would not recognise the present NHS that needs constant money thrown at it but no improvements for those using it.

They will be able to claim Pension Credits and receive a rebate on their Council Tax.

Incinerator bin…then the ash can go back on your garden if it’s wood or foliage you’re burning.

The majority of houses in Hartlepool are Band A & B which dont raise enough income therefore the other bands have to, pay up, that’s the theory behind why CT is so high in Hartlepool.

£57 i had to stump up.

A company pension tends to be regarded as a defined benefit pension more than a defined contribution pension. Defined benefit pensions weren't really impacted, other than liquidity for those funds who adopted LDI. The artificially low bond rates couldn't last for ever (like mortgage rates) so, whilst that budget didn't help, the problem preceded their tenure

Most people pay little attention to their money purchase pensions & hand over the investment decisions to others, then blame the investment managers when it goes pear-shaped

As a defined contribution pension member, you bear all the investment, mortality, inflation, & interest rate risks

Get up early on bin collection day and pop your garden waste in a few of the neighbours bins. Good exercise for you and says a few bob at the same time.



PS You will need to run fast if spotted doing this.

Get up early on bin collection day and pop your garden waste in a few of the neighbours bins. Good exercise for you and says a few bob at the same time.

[/quote]


You don't live in the same road as kevin pooles gloves do you ?

That time of year again.

Got my notification and the increase is 9.2%, that makes over 20% during these past 2 years. I'll take that every time, but don't think I'll vote for Sunak though whenever the next election is.

Maybe those of us who worked all our lives are either slaves or fools.
Lets face it most get enough to survive on, Not flourish.

Not read it, But surely those who ousted her could reverse it, Wonder why they have not.
Can only think they agree with it.

Raj out.

As stated earlier, The Elected can and should stop it(profiteering)
Wonder why they are not, Because the people in this country don,t realise the power they yield.

Crickey Snowy, That reads like one of Accys Riddles,

What I should have done is stashed any excess some where similar to many where there is no trace. Come Pension Age keep the minimum amount of savings, £6000 which would allow me to claim Pension Credits and other benefits.
I paid my dues, NI and Income tax, why should I be taxed on my PP after paying tax and NI since I started work. ?

The tax cuts were reversed I think, the point being it was too late, the markets had already reacted forcing interest rates up and severely reducing investments. Any one about to the cash in their PP lost 1000s.
Yet Truss has the audacity to be still in politics in a new group called Popcorn along with scumbags like 30p Lee Evans and Mogg who hasn’t a clue, he would be reintroducing young boy chimney sweeps if he thought he could get away with it. He also quoted I can’t understand why people want holiday pay when they are not at work.

You get taxed on your PP because you didn't pay tax on this money when you paid your pension contributions when you were working & if your PP & your state pension added together takes you over the £12570 per annum income that everyone is allowed, then you pay tax, just like the rest of the population. Just because you worked & paid tax while you were working, doesn't mean all of a sudden you're exempt from tax now you don't work.

So I'm not the only one Kev. They can shove the brown bin where the sun don't shine.
I pay nearly £3,500 rates and they want me to pay to empty the bin on top Feck em!

You get taxed on your PP because you didn't pay tax on this money when you paid your pension contributions when you were working & if your PP & your state pension added together takes you over the £12570 per annum income that everyone is allowed, then you pay tax, just like the rest of the population. Just because you worked & paid tax while you were working, doesn't mean all of a sudden you're exempt from tax now you don't work.

The money I paid into my PP was from my earnings which already had been taxed and NI contributions paid, you got 25% tax relief on pension contributions,.

I am aware also that if your SP & PP exceed your annual tax allowance you pay tax.

Therefore after giving you 25% tax relief on contributions at source x amount of years ago they later take it back.

I was winching not like some people I had worked all my life but still was paying tax, some one who had very rarely or never worked could end up having more income than me as they could claim benefits.

I'm now paying tax on some of my State Pension and then 20% on both my Private Pensions so ends up a vicious circle!

No doubt the Council Tax will go another 5+% so another wedge out of the pot.

With the tax thresholds on hold till 2028 then the State Pension probably won't all be tax free by then.
With Interest rates back to normal it's probably better to pay yourself into a cash isa and build it up year on year instead of a private pension.
Avoid tax and risk free.
End of the day you can't live on SP alone so life's what you make it.
UTP.

Got three pensions and am I glad I got them when the lads were saying why bother……. It can be awkward when you get to retirement age and realise you cocked up…….always pad tax on mine by the way.

Jamie if you paid into an approved private pension scheme from net pay then you should either have been getting the tax relief applied by your pension scheme (and the tax relief added to your pot) or you should have been claiming tax relief each year on your tax return.

I can’t remember but I know I was getting 25% tax relief some where along the line.

That’s what I would have done in hindsight, in investments where at least you are in control of you cash and have access to it.

You are receiving more than £12570 State Pension, that’s the income you are allowed before paying tax ?
Now thinking about it I opted out of SERPS therefore my State Pension was reduced and the income from SERPS was invested in a PP, we were advised to opt out then years later to opt back in again.
Graduated Pension contributions would give you a higher State Pension, started 1961 ceased in 1975.
Women paid more G.P. as they up until recently retired 5 years earlier than a man so the extra was to pay for the shortfall in contributions.

Everyones circumstances are different depending on your age and I appreciate it's near impossible for the younger generation to pay a
Mortgage n try and contribute to a decent retirement.
But the Liz Trust Regime will of been a winner for the older mortgage free generation and building societys.
May of even been rigged by this government knowing they will be gone later this year.

get a letter every year saying i owe x amount of tax but only recieve a state pension plus the add ons i get as i never opted out of anything and have no private pension. never reply or give em owt as if they want it then take it out at source as they did all my working life.

Certainly not a winner for the older mortgage free generation, it also saw any investments connected to the Stock Market decline substantially.
Fixed term 1 year savings accounts went to over 6% but not for long dropped back to around 5% and the interest is taxed. Yet the B.O.E. haven’t reduced the current interest bank interest rate ?
.

They would normally get it by reducing your tax code or even put you on an emergency coding.

That's the problem with people & their pensions.

If they had £30k to put into savings they would shop around for the best investment/interest rate. If they need a £30k mortgage they also shop around for the best interest rate
But when it comes to a £30k pension, Joe Soap leaves it up to somebody else to manage for them & takes no interest in it until approaching retirement. And a £30k pension pot is very broadly equivalent to £1,500 p.a. pension

Mortgage rates go up faster than they come down.
Savers Rates go down faster than they go up.

The Banks never lose
Easy money.