WILL I LOSE MY HOME?

[simon]

[Judith]

I see it could affect current or future employment.

[simon]

ote:

I am now working for Fed-X at £30000.

[Judith]

Please don't tell lies

[simon]

ote:

[Judith]

So how many hours a week are you working for this £30,000 - and what exactly do you do?

[simon]

DELIVER PARCELS, YOU DUMMY. WHAT ELSE?

[Judith]

So you have a full time job earning £30,000 with FedEx in Hull delivering parcels for them.

Very good.

Do you have to drive very far?

(You're not pulling anyone's leg here are you? - other than your own that is)

[whisky-dave]

ote:

That's not his legs hes pulling ;-)

[MrCheerful]

21k seems the going rate:

[tim...]

based on a sample of 6

who don't say how many hours "overtime" that they work to get that

not a very helpful survey that one, is it?

[Judith]

Spot on !!

[GB]

Mentions "As an owner driver" so there may be costs to come off the wage stated.

[damduck-egg]

This would be masons style.

G.Harman

[Judith]

I think I may have misunderstood: so you have a pension pot of £400,000 which is still yours which you will be able to access sometime in the future although you can't now: and you will also continue to receive a private pension for life of about £16k which is already being paid out to you each month?

Is that it?

Or:

Did you have a pension pot - which you no longer own - which you have cashed in to provide a pension?

ie You do not have £400,000 which you "do not have access to".

[Judith]

You will owe £55,000 which you need to pay back in 3 or 4 years

You have a pension income over those four years of £60,000

Therefore you will have only £5,000 to live on over those four years unless you get a job.

You will therefore be totally dependent on getting a job: something you have not done yet.

Forget the new car : you have spent good money on your existing one which you cannot recover - it satisfies your needs.

Start paying off the credit card bill and live off your pension.

Enjoy your retirement : live off your pension : get a hobby - how about cycling?

HTH

You have not been charged for this financial advise.

[Judith]

What's happening about the job you were expecting to get after the interview you had before Christmas?

[Judith]

It is a great pity that you do not heed advice offered here.

Best of luck with the Brum job.