Retirement Club

[mr.tourette]

I found the perfect solation to that one. I joined the local mountaineering club.

Walking the dog up Moel Famau once or twice a month when the weather is fair is about the limit of my mountaineering repertoire

Moel Famau, a lovely little mountain. Tis popular with Scousers though. So count your wheels. :wink:

Yah..i live literally 5 mins drive from it so am familiar with the visitors, its great to have it on the doorstep

 

[buzyg]

Walking the dog up Moel Famau once or twice a month when the weather is fair is about the limit of my mountaineering repertoire

Moel Famau, a lovely little mountain. Tis popular with Scousers though. So count your wheels. :wink:

Yah..i live literally 5 mins drive from it so am familiar with the visitors, its great to have it on the doorstep

My Parents had a caravan near Ruthin, so I often used to cycle over the Moel Famuau road, in my teens. Exploded a tyre crossing the cattle grid once and promptly crashed into the grass bank beyond it. Back then. it took but a few moments to wander up to the summit from the road, as I recall. I took Mrs G up there a few years back. Seemed they had moved the summit beacon further away, as I got older. :wink:

 

[TitanTim]

Wow, welcome to retirement. I requested a policy change to both car insurances to change employment status and remove business use. Just charged me 35 quid to update the one policy and no doubt will be same again for the other policy so 70 quid

Tim.

 

[ronk]

I don’t think I would have bothered- it’s only an element of the policy you won’t claim on!

 

[TitanTim]

I don’t think I would have bothered- it’s only an element of the policy you won’t claim on!

Unsure Ron, how much do they do background checks on your policy if say the car was written off? I imagine they would try and wriggle out of a claim if you failed to inform of any changes :? Unsure

Tim.

 

[inkey$]

I like to think when I end up retiring I'd want to start something else up completely different to what I do now and on a part-time basis.

Something manual, like painting and decorating - buy a little van etc. Would keep me busy [important], keep me in additional beer money [important] and keep me active mentally and physically [very important].

...but then I'm still only 50, so a while to go yet.

 

[TitanTim]

I like to think when I end up retiring I'd want to start something else up completely different to what I do now and on a part-time basis.

Something manual, like painting and decorating - buy a little van etc. Would keep me busy [important], keep me in additional beer money [important] and keep me active mentally and physically [very important].

...but then I'm still only 50, so a while to go yet.

Way I look at is as you get older you start to think you're a long time dead if you haven't enjoyed some kind of retirement. If you're lucky and you have an income hobby then a win

Tim.

 

[N4LLY]

Happy for your retirement chaps.

45 years non stop in my job/industry.

No chance of me affording retirement, if only i had known at 16 what i know now :roll:

I tell them at work they will take me out in a box (I am 61)

 

[ronk]

Way I look at is as you get older you start to think you're a long time dead if you haven't enjoyed some kind of retirement. If you're lucky and you have an income hobby then a win

Tim.

As long as income exceeds expenditure you’ll be happy!

 

[Pondy]

No chance of me affording retirement, if only i had known at 16 what i know now

Ditto. I would have got a job in the public sector instead of being self-employed for 35 years and worrying about how to pay the mortgage most of that time. Then having sod all pension as could rarely afford to pay the contributions!

I don't begrudge anybody anything; good luck to you, but the idea of 'retirement workshops' and 'final salary pensions' is so far removed from my world as it could possibly get.

 

[inkey$]

…if only i had known at 16 what i know now :roll:

^ this.

 

[ronk]

…if only i had known at 16 what i know now :roll:

^ this.

And me!

In those far off times, ‘old’ fellas of 65 retired and died soon afterwards.

 

[inkey$]

…if only i had known at 16 what i know now :roll:

^ this.

And me!

In those far off times, ‘old’ fellas of 65 retired and died soon afterwards.

:lol: Exactly. Was a lifetime away [literally].

 

[Nanu]

Just wait for renewal time and change insurance details then.

 

[Nanu]

No chance of me affording retirement, if only i had known at 16 what i know now

Ditto. I would have got a job in the public sector instead of being self-employed for 35 years and worrying about how to pay the mortgage most of that time. Then having sod all pension as could rarely afford to pay the contributions!

I don't begrudge anybody anything; good luck to you, but the idea of 'retirement workshops' and 'final salary pensions' is so far removed from my world as it could possibly get.

The final salary pensions are what makes working in the public sector worth it. It's also why I have no sympathy for the public workers on strike over pay.

I am lucky enough to have two and working on a third so I know how good they are. Those in the private sector can only dream of such pensions so in my humble opinion, have every right to complain when a civil servant goes on strike. Never have and never will.

 

[Pondy]

The final salary pensions are what makes working in the public sector worth it. It's also why I have no sympathy for the public workers on strike over pay.

To be fair, though, the FSPs are a thing of the past. don't think there are many under 50 with one anymore (the Gov realised how expensive they are to service).
My wife is a civil servant and is not on a FSP (too young) but the employer's contributions to her pension are still pretty amazing. Only reason she stays in her terrible job in a primary school in a shite area.

 

[TitanTim]

Way I look at is as you get older you start to think you're a long time dead if you haven't enjoyed some kind of retirement. If you're lucky and you have an income hobby then a win

Tim.

As long as income exceeds expenditure you’ll be happy!

Probably luckily for me I'm not an exotic holidays person, apart from the odd excursion to Australia to see relatives.

I guess you could say I've been blessed working 42 years in Local Government which wasn't planned when I left school, literally fell into it and of course my pension scheme and NI contributions were made from the off whilst still in shorts so lucky in that respect.

Tim.

 

[SOhioZ4]

Congrats on your retirement , stay busy , thats the key , I unfortunately , have 6 years to go , Ill be getting out at 63 .

 

[TitanTim]

Congrats on your retirement , stay busy , thats the key , I unfortunately , have 6 years to go , Ill be getting out at 63 .

Many thanks,

Tim.

 

[biZ4rreMids]

I was automatically enrolled into a FSP scheme when I joined BR in ‘82 at the age of 16. Never took any notice of my pension until my late 30’s before realising the true benefits. Retired 2 years ago at 54 and just received a 10.1% annual pension increase. I’ve not been astute just very lucky.