Kibkom North Cyprus Forum

Is this a good system or is it a waste of time and tax payers money?

A conmans charter

No such thing as rights; only concessions granted or taken away by those in power at any given time....

Good post Jofra, what happened to our Human Rights when we left school at 15 and paid our contributions all our lives so that we could get the pensions we had been promised , But Hey Presto the government decide to defraud us and move them 7 years away or in some cases even longer.

Johnny Lee.
If you left school at 15 you will be recieving your old age pension as the school leaving age was raised to 16 and then 17. I left at 15 and have been drawing my pension for 3 years. Waiting till you are 67 will give your date of birth away on the pension web page ??

Karmels I get mine hopefully in 7 years, (2 years added) my wife is the same (7 years added).

Johnny Lee, I am a little confused,you say you get your pension in 7 years,(2 years added) my calculation works out you are now 60 years of age.I am a lot less than 60 years but my pension will be payable at 66 years.
Are you talking of state pension or works pension?

I am not 60 for a while yet, (just had a hard life) but I am advised that we will not get our State pensions until age 67.

karmels wrote:Johnny Lee.
If you left school at 15 you will be recieving your old age pension as the school leaving age was raised to 16 and then 17. I left at 15 and have been drawing my pension for 3 years. Waiting till you are 67 will give your date of birth away on the pension web page ??

I left school at 15 and am in my 40s.

I've got 30 years of contributions and was all set to call it a day but now they are saying you will need 35

As a country we are bankrupt so the idea that we all paid into a pot that is waiting there is misguided. The govt can't afford the pension bill so will increase state pension age incrementally over the coming years in line with life expentancy. In time the state pension will become means tested and will be just another benefit.

Yes Hedge Fund, my very logical son explained that to me in exactly the same way. But however calm and rational you try to be about it, we paid in, and expected our pensions.

JL >"I am not 60 for a while yet, (just had a hard life) but I am advised that we will not get our State pensions until age 67"

"advised" by whom?


T

Hedge-fund >"
I left school at 15 and am in my 40s.

I've got 30 years of contributions and was all set to call it a day but now they are saying you will need 35 "

35 years contributions have been needed for FULL state pension for some years. Less than 35 years contributions will entitle you to a reduced, much reduced, state pension. This is payable from your normal retirement date.

T

Just put in your details here and it will tell you your State Pension age.


http://www.pensionsadvisoryservice.org. ... ension-age

KWAKERT4,The system was changed a few years ago so that male and female only needed 30 years contributions having been 35 for female and forty for men,all well and good you might think.Then recently the government have changed their minds again and stated everyone now needs 35 years.This leaves a lot of people short by five years.
It is or will be possible to make up the difference by lump sum,but the maths would need to be worked out as to whether it would benefit the person involved.

KWAKERT4 wrote:Hedge-fund >"
I left school at 15 and am in my 40s.

I've got 30 years of contributions and was all set to call it a day but now they are saying you will need 35 "

35 years contributions have been needed for FULL state pension for some years. Less than 35 years contributions will entitle you to a reduced, much reduced, state pension. This is payable from your normal retirement date.

T

That's incorrect I'm afraid..........from current rules:-

"You need 30 qualifying years of National Insurance contributions or credits to get the full basic State Pension"

Source - https://www.gov.uk/state-pension/eligibility

These rules are set to change though.

Dalartokat wrote:Just put in your details here and it will tell you your State Pension age.


http://www.pensionsadvisoryservice.org. ... ension-age

Have you lost the plot or thread [ Human Rights] thinking about it the human rights would have something to say about this!

topten wrote:

Dalartokat wrote:Just put in your details here and it will tell you your State Pension age.


http://www.pensionsadvisoryservice.org. ... ension-age

Have you lost the plot or thread [ Human Rights] thinking about it the human rights would have something to say about this!

Why have I lost the plot, answering message 11, the link I posted would answer questions and give information.

If you want a reply on Human Rights, changing someone's Pension Age and how much contributions for however long or what you have paid in, is nothing to do with losing Human Rights, my opinion. Is that OK with you?

A little bit more civility in your replies might not go a miss.

topten wrote:Is this a good system or is it a waste of time and tax payers money?

Like most things in life - good idea badly implemented... a bit like religion.

As soon as people get involved in it everything goes pear-shaped.

If you look at the world's abuse of human rights you'd be hard pushed to advocate many if any particular flavour of human rights. Yet all humans ought to have basic rights to enjoy life without fear of all the crap that happens....

Hedge-fund wrote:

karmels wrote:Johnny Lee.
If you left school at 15 you will be recieving your old age pension as the school leaving age was raised to 16 and then 17. I left at 15 and have been drawing my pension for 3 years. Waiting till you are 67 will give your date of birth away on the pension web page ??

I left school at 15 and am in my 40s.

I've got 30 years of contributions and was all set to call it a day but now they are saying you will need 35

As a country we are bankrupt so the idea that we all paid into a pot that is waiting there is misguided. The govt can't afford the pension bill so will increase state pension age incrementally over the coming years in line with life expentancy. In time the state pension will become means tested and will be just another benefit.

The paradox is... they can't afford the youth unemployment either... much more expensive and destructive than supporting pensioners. There seems no joined-up thinking. Surely anyone should be able to equate increased retirement age with youth unemployment. It seems only logical that if you create a block at one end of working life the other end will suffer but nobody in UK Govt. seems to get that.....

It's hardly a surprise that unemployed youngsters get up to no good if they have no prospects, see only upper class twits with Eton educations getting on in the world of instant celebrity and find negative things to occupy their time. Yes there are many examples of the young who rise above this and achieve great things but youth unemployment is still a very, very expensive social problem. An early entry into gainful employment is still the best option but who is going to make way for them?

Dalartokat wrote:

topten wrote:

Dalartokat wrote:Just put in your details here and it will tell you your State Pension age.


http://www.pensionsadvisoryservice.org. ... ension-age

Have you lost the plot or thread [ Human Rights] thinking about it the human rights would have something to say about this!

Why have I lost the plot, answering message 11, the link I posted would answer questions and give information.

If you want a reply on Human Rights, changing someone's Pension Age and how much contributions for however long or what you have paid in, is nothing to do with losing Human Rights, my opinion. Is that OK with you?

A little bit more civility in your replies might not go a miss.

Also your sense of humour

It seems then that we were supposed to spot the humour in your reply?

Well, I didn't either.

"All men are created equal but some are more equal than others"

It would help this thread get on track if the O.P. could specificy which human rights he is referring to eg, The American Declaration of Interdependence, The Human Rights Act 1998 (c 42) , an Act of Parliament of the United Kingdom, the European Convention on Human Rights, or even the Magna Carta! Ie whose rights to what?

There are complaints here about the changes in the UK pension laws, and it is not just I, I think, who is furious about the UKs treatment of expats who have paid full UK NI contributions, but does the unfairness of the UK Govt constitute a breach of our human rights?

As Groucho said in message 28, its not the principle , its the implementation.

Ragged Robin wrote:There are complaints here about the changes in the UK pension laws, and it is not just I, I think, who is furious about the UKs treatment of expats who have paid full UK NI contributions, but does the unfairness of the UK Govt constitute a breach of our human rights?

I've always regarded the National Insurance scheme as a legally binding system of payment and accruing rights - it now turns out that one party to the agreement was not an honest broker... Moving the goal posts for those who have already fully paid into the scheme (we were told to stop paying NI contributions by the DWP as we could not achieve any higher return on our 'investment') seems very short of the respect I think Govt should show its former workers... I for one will never advocate a vote for them.

Groucho

Do you really think that your vote, or even that of the whole Brit expat population of N. Cyprus (excluding those who are no longer entitled to vote but still to pay taxes) would make one jot of difference, or that another party would change the legislation for the sake of retired expats?? Not that I am in favour of the current lot - as far as I am concerned it is "a curse on all your houses"!

The situation which has been caused by the unprincipled, amoral fat cats of international big business, particularly the financial, banking and IT sectors means the economy cant stand the demands made on it by European legislation and something has to give. MPs of all parties are running around like scalded cats trying to find ways of scraping money which wont lose them votes - or their inflated salaries and expenses - and what gives are the less powerful ends of the population who have no one to represent them (far less a Union) - unemployed youth and pensioners. Expats in particular are just sitting ducks.

My point is that forcing the continued employment of would-be pensioners will in fact cost the country more... Youth unemployment is far more expensive than pensions. It leads to all sorts of very costly social problems to boot. So just looking at how they can save money on pensions is not the answer to the problem they think it is.

As a by-product of this they will create really poor prospects for those just starting out in the world and the sooner they are employed and paying taxes the better.

How often do you hear of the elderly rioting?

BTW I wasn't talking about my vote or expats - I was talking about those whose votes would count, namely the young in the UK... as in - I would not advocate anyone voting for those who can't see the lunacy of this policy.