OTOH
there shouldn't be any problem with the blind getting by with a B&W TV
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3 years ago
NO more free TV licence from today
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3 years ago
yep
It already doesn't go down well (in media terms) with the set that they do prosecute
doesn't stop them doing it
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3 years ago
You don't know? What are you living on now if not working or claiming benefits? The interest on a couple of million in savings accounts?
You need to find a independant financial advisor perhaps with a bit of specialisum in pensions. The rules have changed an awful lot recently, with far more options than there ever used to be. You don't have to buy an anuity (thus losing access to the capital and any gains it makes invested), you can take up to 25% tax free lump sum but you don't have to do that in one go and/or you can draw down on the capital and/or leave it...
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3 years ago
Presumably a woman. State pension age for men has been 65 for a very long time. They shifted women from 60 to 65 between 2010 and 2018.
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3 years ago
If you are/were in a trade union, well worth trying there first - some excellent specialists in-house.
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3 years ago
We have some, no debts plus I'm living with an older woman. ;-)
None of that.
And I'm pretty sure it's not that either.
Who are the best people to go to for advice on such things, if there are such?
Cheers, T i m
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3 years ago
No, it wasn't a woman. Pension Credit could be claimed by anyone over sixty who met certain criteria. I accept that it's different now.
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3 years ago
Where are they going to get a b/w TV that receives digital TV?
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3 years ago
Well sort of, but 1) I'm not good with such things and partly 2) they didn't account to much and 3) I wasn't sure if I could / should do anything with them (take them as pension payments, take the lump sum, combine them onto one etc).
Her pension(s).
That would be nice (and if we actually did any of the Lotteries ...).
Quite ... loads of options ... (but thanks).
Basically I was holding off till I was 65 when the other pensions matured and was going to go from there.
Cheers, T i m
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3 years ago
Assuming you can get B&W TV's these days? I wonder if you could get a colour TV 'locked down' making it B&W only in a way that would satisfy the BBC (if tested)?
Cheers, T i m
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3 years ago
who gets a *single* pension?
um draw-down, oops.
It's not what?
Age concern,
CAB
find an online calculator
But if "living with" means not married to, then your partner's pension needs will be assessed on a single person basis (though perversely probably take into account your contributions to family costs)
And, making the same assumption as before, that this income is enough for the two of you to live on, I can't see how the numbers will swing towards you being entitled to anything.
The MIG is pretty low. It is set at subsistence level
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3 years ago
dunno
7,000 per year manage it- Vote on answer
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3 years ago
If living in a paid for house...
draw down from a tiny faction of that works
there's no need to avoid depleting capital at age 60+
It's an aspiration that's completely unnecessary
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3 years ago
If you have a "small" pot, say 25K the answer should be clear
Cash it in as the new rules allow and spend it on a few luxuries whilst you are healthy enough to take advantage of them. Spreading that cashing in over two years will lessen that tax bill by quite a bit.
Turning it into a pension of 100 pound per month is going to make bugger all difference to most people's day to day living, but will be a barrier to future claiming of benefits
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3 years ago
yep
before they equalised the woman's pension age, An equality claim forced them to reduce the male age for claiming "age related" benefits down to the same as the woman's claimant age.
Hence the even more pressing need to equalise woman's pension age upwards
Another case of "be careful what you wish for"
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3 years ago
sponger
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3 years ago
Someone living as a couple where only one is old enough to claim their state pension?
anywhere near 50k pa.
OK, ta.
Nope, we are married (her idea and she paid for the certificate, surprisingly). ;-)
Which is how I think it is now.
Which are nil. When I was working I was on a reasonable wage so was able to pay for this modest 3 bed cottage (and have no other loans or debts) when I was 40.
You cut your cloth ... ;-)
Well, I never assumed they would, like I said, we have never claimed for anything, just got those things that most qualifying got (like winter fuel allowance).
Ok?
Cheers, T i m
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3 years ago
And how many get 'found out'?
The irony being if they live on their own and don't have any TV watching visitors, *no one* would know if it was colour or b/w?
Cheers, T i m
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3 years ago
fiddler
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3 years ago
You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason.
These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension.