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I guarantee.........

Look at the state of it!!

A PENSION IS CALLED A PENSION FOR A fudging REASON!

YEAH, LETS GET MY 92 YEAR OLD GRANDAD OUT WORKING SHALL WE??

And at the same time there are a million youngsters without work.

Silly qunt!!
 
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I think he makes some valid points. A flat retirement age at 65/67 is no longer practical and has always been unfair.

When pensions were introduced, the average manual worker died around pension age, possibly before. Now they live to get some return. Meanwhile office workers tend to be richer and live longer, with a longer retirement. The people who benefit the most are the richer members of society. You can't expect a miner to be working after 65, while there are many jobs where people can easily work into their 70s. Fitter, healthier people can work longer and still enjoy a longer retirement.

We do need incentives so people who can are encouraged to work longer. A one-size fits all approach cannot work. A shift from full-time to part-time work is a more sensible solution than the all or nothing system we have now. If this flexibility became common, people who could afford to might choose to wind down their working hours much earlier, opening up opportunities for younger people.

However, its would be interesting to know more about Lord Wotsits situation. I assume that while working in the Lords and sitting on various quangos he is forgoing his pension benefits :)-"). According to his proposal this would be expected. If he is receiving his full pension and claiming Lords expenses I suggest a form of culling to reduce the public expenditure.
 
jts1882 said:
I think he makes some valid points. A flat retirement age at 65/67 is no longer practical and has always been unfair.

When pensions were introduced, the average manual worker died around pension age, possibly before. Now they live to get some return. Meanwhile office workers tend to be richer and live longer, with a longer retirement. The people who benefit the most are the richer members of society. You can't expect a miner to be working after 65, while there are many jobs where people can easily work into their 70s. Fitter, healthier people can work longer and still enjoy a longer retirement.

We do need incentives so people who can are encouraged to work longer. A one-size fits all approach cannot work. A shift from full-time to part-time work is a more sensible solution than the all or nothing system we have now. If this flexibility became common, people who could afford to might choose to wind down their working hours much earlier, opening up opportunities for younger people.

However, its would be interesting to know more about Lord Wotsits situation. I assume that while working in the Lords and sitting on various quangos he is forgoing his pension benefits :)-"). According to his proposal this would be expected. If he is receiving his full pension and claiming Lords expenses I suggest a form of culling to reduce the public expenditure.
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I agree with your last paragraph.

Your earlier points though, make me suspect you probably are not as near retirement age as the likes of me?!!!

I've worked since age 16. Not made enough of my life, but always honest, paid my taxes etc.
I'm at the point where physically, i wish I could retire now, but no. I will be there to 65 (and probably beyond). But it isn't a great feeling, and having paid into a system where you expect to finish at a certain point, you really ought to be able to say...."finished. No more thank-you" and get what you are owed.
 
jts1882 said:
I think he makes some valid points. A flat retirement age at 65/67 is no longer practical and has always been unfair.

When pensions were introduced, the average manual worker died around pension age, possibly before. Now they live to get some return. Meanwhile office workers tend to be richer and live longer, with a longer retirement. The people who benefit the most are the richer members of society. You can't expect a miner to be working after 65, while there are many jobs where people can easily work into their 70s. Fitter, healthier people can work longer and still enjoy a longer retirement.

We do need incentives so people who can are encouraged to work longer. A one-size fits all approach cannot work. A shift from full-time to part-time work is a more sensible solution than the all or nothing system we have now. If this flexibility became common, people who could afford to might choose to wind down their working hours much earlier, opening up opportunities for younger people.

However, its would be interesting to know more about Lord Wotsits situation. I assume that while working in the Lords and sitting on various quangos he is forgoing his pension benefits :)-"). According to his proposal this would be expected. If he is receiving his full pension and claiming Lords expenses I suggest a form of culling to reduce the public expenditure.
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Raise the pension age then! I understand pensions are affordable, but when you retire that's it!!
 
Crawley said:
I agree with your last paragraph.

Your earlier points though, make me suspect you probably are not as near retirement age as the likes of me?!!!

I've worked since age 16. Not made enough of my life, but always honest, paid my taxes etc.
I'm at the point where physically, i wish I could retire now, but no. I will be there to 65 (and probably beyond). But it isn't a great feeling, and having paid into a system where you expect to finish at a certain point, you really ought to be able to say...."finished. No more thank-you" and get what you are owed.
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Just to correct you.

You have not paid into ANY SYSTEM.

There isn't a pot or any kind for you, me, anyone.

National Insurance is a form of general taxation......it funds pensions TODAY.

This notion that there is a fund somewhere needs to be challenged - there isn't and my generation, i'm 34, are royally fudged as far as state provision is concerned.

Which is why i've had a private pension since I was 26 and don't plan on getting a fudging penny from the state.
 
Crawley said:
I agree with your last paragraph.

Your earlier points though, make me suspect you probably are not as near retirement age as the likes of me?!!!

I've worked since age 16. Not made enough of my life, but always honest, paid my taxes etc.
I'm at the point where physically, i wish I could retire now, but no. I will be there to 65 (and probably beyond). But it isn't a great feeling, and having paid into a system where you expect to finish at a certain point, you really ought to be able to say...."finished. No more thank-you" and get what you are owed.
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Read what I wrote again.

I'm saying that retirement should be flexible. You say that you are at a point physically where you wish you could retire now and have worked since 16. Would it be fair to say that your work has involved more physical work than work sitting at a desk? I'm saying that is a situation where it is unfair to expect people to work beyond 65. In contrast, people who went on to University and joined the workforce five years later and more likely have had less physically demanding work should be expected to work longer. The trouble is it's hard to generalise, as office workers can be unhealthy and need to retire early, and vice versa.

My general point is that we have a cultural problem. Work to 65, 67 ... and stop. This is crazy. We need a more flexible pattern. Perhaps you'd be happy with reduced hours now, rather than continuing full time or stopping totally. I'd say the same at the other end. We go into education and get out at some stage. Once out its hard to get back into education. We need more flexibility in types and timing of education. School, work, retirement is too limiting.

In an ideal world we'd start off retired while young enough to enjoy it, then we could go to school when getting frail.
 
Crawley said:
I agree with your last paragraph.

Your earlier points though, make me suspect you probably are not as near retirement age as the likes of me?!!!

I've worked since age 16. Not made enough of my life, but always honest, paid my taxes etc.
I'm at the point where physically, i wish I could retire now, but no. I will be there to 65 (and probably beyond). But it isn't a great feeling, and having paid into a system where you expect to finish at a certain point, you really ought to be able to say...."finished. No more thank-you" and get what you are owed.
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fudge me i know that feeling.
I do have some decent bits & bobs of pension here & there which should give me a 'reasonable' income (no more than that though!)

I was hoping to knock it on the head at 60 but in the current climate it seems unlikely.

However, i am partially (totally LOL) to blame as i have spent stupid amounts of cash on stuff over the years but if i am honest with myself i wouldn't really change anything. That said, if i am sitting in a damp gaff in front of a one bar electric heater when i am 70 i might have to re-evaluate!
 
The state pension will be means tested by the time anyone sub 40 retires. Its completely unsustainable in its current form.
 
Nutter-Naylor said:
fudge me i know that feeling.
I do have some decent bits & bobs of pension here & there which should give me a 'reasonable' income (no more than that though!)

I was hoping to knock it on the head at 60 but in the current climate it seems unlikely.

However, i am partially (totally LOL) to blame as i have spent stupid amounts of cash on stuff over the years but if i am honest with myself i wouldn't really change anything. That said, if i am sitting in a damp gaff in front of a one bar electric heater when i am 70 i might have to re-evaluate!
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Pretty much this
 
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