Boris should've learned from what was happening in Italy and Spain, all those things you are saying would have been avoided if he shut the country down as soon as the infections started. We had 2 advantages over the likes of France and Germany, we had extra time to put the measures into place and we have a natural barrier to all outside influences, the North Sea. Yet we have fared worse than every major country in Europe, that is down to this Government and not the opposition.
In the example I gave the person working 2 weeks out of 4 would receive £929.50 in total for the month. That includes rent costs. Claimants with mortgages are also worse off on UC. interest on their mortgage used to be paid by DWP on Jobseekers Allowance until they found work. It is paid on Universal Credit but as a loan that you have to pay back to DWP when you find work again.
Iain Duncan Smith insisted that it was designed to simplify the benefit system. It does exactly the opposite.
I’d have thought to encourage folk back to work etc there could be an incentive, like ‘first 20 hours won’t affect payment’ or similar. That would seem smart and obvious. There’s always the factor of if someone is back at work for £100 extra week say, but then maybe they need spend £40 transport, maybe parking, food and drink at work, plus the time spent travelling. I can partially understand in that scenario folk saying ‘why bother’. What we should have though, is a system whereby if folk just refuse to work, they should get nowt but food. No money whatsoever just keep them alive and healthy. I personally couldn’t imagine a world where I don’t do my graft, get paid and have the option to have a life. Work allows me holidays, a new car every 2 years, the ability to buy clothes etc, eat out. I can’t understand why folk just wanna sit on their arse and have the bare minimum. These are a big drain on the country of course, and they then get the same benefit as lads like those posting here that have grafted their whole lives and been hit by an unforeseen circumstance? I can’t get my head round that. How are their circumstances the same? They aren’t on any level.
Because DWP treat everybody equally- equally badly. Soon state pensions will be set at a standard amount, i.e. the same for someone who has never worked a day in their life and for someone who has worked from the day they left school to pension age regardless of contributions. Surely if you have paid more in you should get more back? This is why they are pushing people to get a private pension, because the state pension will be a pittance when that comes into effect.
I genuinely think we should be given the option to cash out of state pensions and put it into private now. I’d be more than happy to do that and look after it myself (assuming a drop in NI as an offset). It would clear a massive black hole in advance.
Not sure if is still the case but quite a few lads I worked with on building sites "contracted out" of state pension contributions for a while and paid into private pension instead and would receive a smaller state pension as a result. Think they were classed as self employed though.
I’d more like to take back everything I’ve got sitting in it and either put it into a pension or shares. Thwy have that information and it’s a person they don’t have to worry about. Most companies have fantastic pension schemes now, after they changed it to ‘auto enrolment’, there’s no real need for a state pension for me personally, I’d rather have that cash (banked and ongoing) and use it elsewhere. Things like Pension Bee etc are out there now, they can combine all your private pots and you control your risk/reward through an app. That’s the way I like it, my control, my money, my life.
Depends how you look at it. Having the option to freeze pensions this rough year may have been a far bigger benefit than the return they get at the end of it. I don’t personally plan to be relying on my pensions anyway, but by the same token I want to maximise every penny I have when the time comes, I want to be gallivanting about on holiday with my trophy wife, not juggling electric bills and food. I like shares, I’d like to take my state pension pot and put it into a share fund.
You're probably referring to the B&CE (Building & Civil Engineers) scheme which was used a good few years ago, but it wasn't a very worthwhile scheme because it wasn't well managed, and it wasn't very popular. Nads is referring to opting out of SERPS (State Earnings Related Pension Scheme), I believe, which was popular at the time, but complicated because there were age bands (different for male and females) where it would have been worthwhile opting out until a few years later when it was advisable to opt back in. Again, there were a lot of different levels of management until it, too, was scrapped. Pensions are awfully complicated, and they (obviously) need to be managed properly
I didn’t know such a scheme existed mate but sounds exactly like what I’d like the option to do. Finance has changed so much there’s so many ways to manage your money and grow your money.
There are too many complications to explain on here, Nads, but pensions can be worthwhile if managed properly. I didn't agree with them for many years . . . . until Pensions Freedom changed things, and now I take care of many more pension funds than I used to. I deal with shares far more than pension funds, though, 'cos I've got more choice and my own 'freedoms' 'cos I can pick and manage my own funds (where I've got access to thousands of funds) rather than picking a particular portfolio type (e.g. 'cautious' 'balanced' or 'adventurous') where someone else manages it for me. This, I regard as my professional hobby, and I love it
Yeah I’m not against pensions at all mate, I put the maximum into my work one which is a great scheme, and as mentioned I have a separate fund where I’ve combined all of my previous employer based pensions, I always think that’s a better setup than having 4 small pots. This is like you mentioned with the 3 real options on risk, I’d love something a bit more hands on. I do like shares, I think it’s a more visible way of making money and I like that you can adjust and in theory take money out if required, I wouldn’t want to gamble on no pension at all I just feel the private ones will be adequate. My main plan of course is property. Nothing safer than bricks and mortar.
Coronavirus: Labour MP quits role after lockdown breach ... www.bbc.com › news › uk-politics-52867324 May 31, 2020 - The Mail on Sunday said Ms Duffield and her TV director boyfriend James Routh had gone on the walk at a time when they were not living .. What did lockdown rules say when these Labour MPs are ... fullfact.org › health › what-did-lockdown-rules-say-wh... Jun 16, 2020 - In March, Labour MP for Aberavon Stephen Kinnock posted a photo of ... which went against funeral guidance at that time, which stated only Labour MP apologises after breaking lockdown rules to visit ... www.thesun.co.uk › news › labour-mp-breaking-lockdow... May 31, 2020 - Labour MP Rosie Duffield, 48, admitted to beaching lockdown rules to meet ... To follow us on Facebook, simply 'Like' our Coronavirus page. Kevan Jones MP went to a birthday party broke the rules did Keir Starmer call for their An MP has been criticised for “endangering” the lives of his constituents after breaching lockdown restrictions to attend a funeral. Tahir Ali, who represents Birmingham Green, reportedly was among some 100 guests at a funeral on Wednesday, which his area’s crime commissioner said undermined the work of police. sorry mate time to eat them words
he did but then we had Black lives ignoring the lockdown rave parties ect, he did make mistakes but what and when did labour come up with nothing , criticising is easy but sensible policies aren't a thing labour are renowned for are they
When I came back to the UK, to buy a property, I needed a highly paid job so did the doors again plus sold Vauxhall cars during the day. My basic pay, at the Vauxhall dealer was around £800 a month but I took home around £2500 a month, this is 20 years ago so decent money. If I'd been furloughed, during that time, I'd have lost the house, my job and my car. My heart goes out to people caught up in this shyte, must be a nightmare.
