It had on one side where drainage was bad. It was indeed a deja vu
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Retirement
- pvr
- Legend
- Posts: 26269
- Joined: Fri Jun 15, 2007 12:27 pm
- Location: South East UK
Retirement
Current:
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
911-50 Black - unique spec
X5M - 575 hp of fun in a V8
Abarth 595 Comp.
Golf Clipper - collectors item
Z4 3.0si Black Sapphire
VW ID.3
Previous:
Z4M Silver Grey - non flimper spec (gone to Bing)
Z4 3.0 Toledo
- buzyg
- Legend
- Posts: 26544
- Joined: Fri May 20, 2011 6:11 pm
- Location: Cornwall
Retirement
Retired at 59, haven't given work a thought except for when old colleagues called me a few times with questions about the database. Agree best thing I ever did.
I had been planning to go at 62, but an opportunity came up to jump ship early and after several months of subtle manoeuvring and negotiation with personnel, I was able to give my line manager two weeks notice that I was leaving. Worked my butt off for those two weeks handing over to some poor grad he grabbed to try and fill the immediate hole. LoL The personnel system in larger companies is often far removed from the reality of the coal face. If you find a viable way out, exploit it. All I had to do in the end was refuse to sign a new set of Term of Reference. I was fortunate that having worked for the company for 27 years, my old Terms of Reference created a viable exit. What took months was creating the new role to replace myself. That I then refused, knowing the probable result. Worst case I would have carried on in the new role
- Rucky
- Member
- Posts: 396
- Joined: Wed Jan 23, 2019 3:07 pm
- Location: Glos, England
Retirement
You need a minimum of 35 years NI contributions for a full state pension
Make sure that you were not "contracted out" at any point paying reduced NI or you will not get a full pension.
Although I had 41 years contributions some of them were contracted out until 2016 when I retired.
I have just had to pay 4 years NI contributions on my pension to get a nearly full pension.
DWP are terrible at responding, they turn around a query in 28 days - even if its a phone call.
You should be able to take a lump sum out of your personal pension if that is useful.
Otherwise you pay tax on your total income so its everything in excess of your personal tax allowance..
If you are going to have to pay 40% tax on any of your income there are ways of avoiding that by putting money into what is called a SIP.
I suggest in that case you seek financialadvice as you cannot domit persdsonally.
Thats my two pennorth
Dont get me started - I wrote to DWP on May 4th, they revieved my letter on May 11th. which they confirmed on Jun 13th when I rang them asking whats taking so long. They still have not responded and it been over 2 months now.
Reason for writing pointing out that it was their consistent delay in responding tp how much NI I could pay to get a full pension and it took from August 2021 to March 2022 and despite making up the shortfall they did not backdate the additional pension
Good luck!!
Make sure that you were not "contracted out" at any point paying reduced NI or you will not get a full pension.
Although I had 41 years contributions some of them were contracted out until 2016 when I retired.
I have just had to pay 4 years NI contributions on my pension to get a nearly full pension.
DWP are terrible at responding, they turn around a query in 28 days - even if its a phone call.
You should be able to take a lump sum out of your personal pension if that is useful.
Otherwise you pay tax on your total income so its everything in excess of your personal tax allowance..
If you are going to have to pay 40% tax on any of your income there are ways of avoiding that by putting money into what is called a SIP.
I suggest in that case you seek financialadvice as you cannot domit persdsonally.
Thats my two pennorth
Dont get me started - I wrote to DWP on May 4th, they revieved my letter on May 11th. which they confirmed on Jun 13th when I rang them asking whats taking so long. They still have not responded and it been over 2 months now.
Reason for writing pointing out that it was their consistent delay in responding tp how much NI I could pay to get a full pension and it took from August 2021 to March 2022 and despite making up the shortfall they did not backdate the additional pension
Good luck!!
04 2.5i Titan silver - 1st Z4 now sold on
07 3.0si Silver Grey M Sport pak.
X5 and assorted motorbikes
07 3.0si Silver Grey M Sport pak.
X5 and assorted motorbikes
- Mr Tidy
- Legend
- Posts: 23852
- Joined: Wed Jul 02, 2014 12:18 pm
- Location: North West Surrey
Retirement
If you aren't sure of your NI qualifying years you can use this service to get confirmation:- https://www.gov.uk/check-state-pensionRucky wrote: ↑Fri Jul 15, 2022 6:19 pm You need a minimum of 35 years NI contributions for a full state pension
Make sure that you were not "contracted out" at any point paying reduced NI or you will not get a full pension.
Although I had 41 years contributions some of them were contracted out until 2016 when I retired.
I have just had to pay 4 years NI contributions on my pension to get a nearly full pension.
DWP are terrible at responding, they turn around a query in 28 days - even if its a phone call.
You should be able to take a lump sum out of your personal pension if that is useful.
Otherwise you pay tax on your total income so its everything in excess of your personal tax allowance..
If you are going to have to pay 40% tax on any of your income there are ways of avoiding that by putting money into what is called a SIP.
I suggest in that case you seek financialadvice as you cannot domit persdsonally.
But you have to register on the "Government Gateway" first.
Luckily I have 41 years contributions so should get the full State pension when I reach 66!
Coupes because stunning!
Current - Silver Grey MC, Imola Red heated Nappa & carbon trim. Aeros, H & R Coil-overs, 224s, OE Strut brace, Nav, cup-holders, DSP Hi-Fi, pdc, cruise, MFSW, no CDV! E90 330i daily
Gone - Montego Blue
Gone - Ruby Black
Current - Silver Grey MC, Imola Red heated Nappa & carbon trim. Aeros, H & R Coil-overs, 224s, OE Strut brace, Nav, cup-holders, DSP Hi-Fi, pdc, cruise, MFSW, no CDV! E90 330i daily
Gone - Montego Blue
Gone - Ruby Black
- Rucky
- Member
- Posts: 396
- Joined: Wed Jan 23, 2019 3:07 pm
- Location: Glos, England
Retirement
That's where it all started going wrong actually!
04 2.5i Titan silver - 1st Z4 now sold on
07 3.0si Silver Grey M Sport pak.
X5 and assorted motorbikes
07 3.0si Silver Grey M Sport pak.
X5 and assorted motorbikes
- TitanTim
- Lifer
- Posts: 8065
- Joined: Sun Feb 12, 2012 11:21 pm
Retirement
I've just pipped 42 so should be just about there when I finish work next AprilMr Tidy wrote: ↑Fri Jul 15, 2022 7:36 pmIf you aren't sure of your NI qualifying years you can use this service to get confirmation:- https://www.gov.uk/check-state-pensionRucky wrote: ↑Fri Jul 15, 2022 6:19 pm You need a minimum of 35 years NI contributions for a full state pension
Make sure that you were not "contracted out" at any point paying reduced NI or you will not get a full pension.
Although I had 41 years contributions some of them were contracted out until 2016 when I retired.
I have just had to pay 4 years NI contributions on my pension to get a nearly full pension.
DWP are terrible at responding, they turn around a query in 28 days - even if its a phone call.
You should be able to take a lump sum out of your personal pension if that is useful.
Otherwise you pay tax on your total income so its everything in excess of your personal tax allowance..
If you are going to have to pay 40% tax on any of your income there are ways of avoiding that by putting money into what is called a SIP.
I suggest in that case you seek financialadvice as you cannot domit persdsonally.
But you have to register on the "Government Gateway" first.
Luckily I have 41 years contributions so should get the full State pension when I reach 66!
Tim.