Your Day Today!

[boboneleg]

31 minutes ago, Slowlycatchymonkey said:

On my first day at work

Are you retired then ?

[Clive]

5 minutes ago, boboneleg said:

Wow , i'm shocked .

How would I prepare for retirement?  Nothing I could do to alter it.  

[XTreme]

7 minutes ago, Clive said:

How would I prepare for retirement?  Nothing I could do to alter it.  

I think we all thought we'd end up getting a better Pension than we do.

And nobody could have foreseen prices rising like they have.

[Clive]

11 minutes ago, XTreme said:

I think we all thought we'd end up getting a better Pension than we do.

And nobody could have foreseen prices rising like they have.

I hoped we could do things, day trips, visit a cafe and have a cuppa and a bun, but with prices rising as they have there is bugger all left after paying our bills.

I do not see things improving,  so further cuts will have to be made, get rid of Sky TV for one, but further saving......where?

[XTreme]

19 minutes ago, Clive said:

I hoped we could do things, day trips, visit a cafe and have a cuppa and a bun, but with prices rising as they have there is bugger all left after paying our bills.

I do not see things improving,  so further cuts will have to be made, get rid of Sky TV for one, but further saving......where?

Having to bale your kids out doesn't help does it? I know I've done my fair share of that too, but at least I had the income coming in to cover it.

The  bloody third quarter taxes come out tomorrow.....that's nearly €2K what with tax and IVA/VAT.

And people criticise me for being glad to see the back of the Brit freeloaders from this country. Especially those running businesses illegally.

[Clive]

2 minutes ago, XTreme said:

Having to bale your kids out doesn't help does it? I know I've done my fair share of that too, but at least I had the income coming in to cover it.

The  bloody third quarter taxes come out tomorrow.....that's nearly €2K what with tax and IVA/VAT.

And people criticise me for being glad to see the back of the Brit freeloaders from this country. Especially those running businesses illegally.

We do bale them out, but we get the money back................eventually....

Freeloaders!!...we are surrounded by them here.  

[boboneleg]

1 hour ago, Clive said:

How would I prepare for retirement?  Nothing I could do to alter it.  

So were you under the illusion that you could live quite well on a state pension  ?  What about Investments, saving bonds , private pension , investing in property ?

 

[Six30]

2 hours ago, busabeast said:

I am actually... no pics though im too busy riding 

[Clive]

18 minutes ago, boboneleg said:

So were you under the illusion that you could live quite well on a state pension  ?  What about Investments, saving bonds , private pension , investing in property ?

 

I did not know how much the state pension was before I looked it up a few years before retirement. 

Savings bonds, investments, property!......no one on the minimum wage has the spare cash to dabble in them....same with a private pension, needed every penny to live payday to payday.

 

 

[Six30]

2 hours ago, boboneleg said:

Well @XTreme certainly isn't , he's still working every day and he reminds us of that fact every day 

Don’t he just .. 

[XTreme]

15 minutes ago, boboneleg said:

What about Investments, saving bonds , private pension , investing in property ?

When you're growing up and living in Swansea you're just trying to survive......share dealing isn't an option.

Did you find many Stock Market traders when you delivered to Merthyr? 

[XTreme]

11 minutes ago, Six30 said:

Don’t he just .. 

What about you.......how many days do you work?

[Clive]

At my last job we were on minimum  wage, the guy who owned the company told us (drivers) that he was going to up it to the living wage ☺ 

What did he do?. He dropped our daily working hours down by 1 hour per day, which in effect put us on the living wage, but we still bought home the same amount of wages. 

[Six30]

Just now, XTreme said:

What about you.......how many days do you work?

I do t see it as work , I enjoy doing it , if I don’t want to go in I don’t , if I want to go on a holiday … I just do it … now that is the style 

[XTreme]

1 minute ago, Six30 said:

if I don’t want to go in I don’t

When you say "go in".......go in to what?

[boboneleg]

18 minutes ago, Clive said:

At my last job we were on minimum  wage, the guy who owned the company told us (drivers) that he was going to up it to the living wage ☺ 

What did he do?. He dropped our daily working hours down by 1 hour per day, which in effect put us on the living wage, but we still bought home the same amount of wages. 

When I was 30 I worked two jobs, the second job (on an evening ) paid for my investments (I didn’t trust property) .

That enabled me to pay off my mortgage early and then use the mortgage money for retirement.

The point of all this is that there is no way a state pension will give you enough to be comfortable in retirement.

 

[Clive]

12 minutes ago, boboneleg said:

When I was 30 I worked two jobs, the second job (on an evening ) paid for my investments (I didn’t trust property) .

That enabled me to pay off my mortgage early and then use the mortgage money for retirement.

The point of all this is that there is no way a state pension will give you enough to be comfortable in retirement.

 

I congratulate you and all the people who were able to do as you did.

 

[Buckster]

3 hours ago, boboneleg said:

Are you retired then ?

She retires to the bar about midday every day. 

[Pedro]

55 minutes ago, Clive said:

I congratulate you and all the people who were able to do as you did.

Classy response, Clive.

[Tango]

23 hours ago, Saul said:

I wanted something faster really.  I have given up on the idea of regular commuting as I just wasn't using the CB500 enough for that purpose and that was a big factor in choosing it.  Without the limitation of economy I thought I would like something a little more fun.  I tried several bikes (sat on rather than rode) and thought about many more but I came to the conclusion that I liked the physical size and weight of the CB500, the Hornet is near identical in both of those aspects with nearly double the power plus some tech to play, so a no brainer as it was within my budget.   I do like a Honda, especially a new one made in Japan. Close run second choices were a 2021 Triumph Tiger 660 and a really nice fully loaded second hand CBF1000.   Triumph Plymouth made sure the Tiger was a not a choice, I will never darken their door again, and the CBF was just to heavy.  

I don't know what's wrong with some of the Triumph dealers, I guess that they shift a good number of bikes without really having to try. I think that the Hornet 750 is a solid choice for you.

[Tango]

4 hours ago, boboneleg said:

So can ask all you retiree's  (is that a word ? )  At what age did you start planning for your retirement ?

62........which, coincidentally, was also the age that I retired at!

[Tango]

4 hours ago, boboneleg said:

So can ask all you retiree's  (is that a word ? )  At what age did you start planning for your retirement ?

I've been pretty lucky, in that, I've always worked for companies that had pretty good pensions, with the exception of 1, but I only worked for them for a couple of years and I took out my own pension investment plan whilst I worked for them. I never gave it any serious thought until working for my last company,  who's pension scheme was 2% employee contribution and the company paid double that, so they put 4% in. But they also had a scheme where the employee could up their contribution to 3% or 4% and the company would put in double that amount. So I opted for 4% and the company put in 8%, so I had 12% of my salary going into their pension. 

My first 2 companies had final salary pensions and, although I left those companies many years ago, the pensions from them are reasonably useful.  One of them I opted to take a higher amount until I get my state pension, then that pension drops back, but even then it should be £4k a year on top of my state pension.

The other pensions were defined contribution pensions. The stock market dropping over the past couple of years has hit them pretty hard, but there's still a useful amount in them at the moment. I'm taking a small amount out of them at the moment just to supplement the others a bit.

[XTreme]

34 minutes ago, Tango said:

I don't know what's wrong with some of the Triumph dealers, I guess that they shift a good number of bikes without really having to try. I think that the Hornet 750 is a solid choice for you.

Come to Spain and see these twats here!

Apart from Rafa in "Vespacito no me Corras" in Granada.......they're all too fucking lazy to actually sell you a bike.

@Pedro will recognise this sort of shit!

[Six30]

3 hours ago, XTreme said:

When you say "go in".......go in to what?

you need something for your wank bank ?

[XTreme]

10 minutes ago, Six30 said:

you need something for your wank bank ?

You said "go in"......which implies that you're going into a workplace!

I wondered what this workplace was!