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XTreme

By XTreme
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Sir Fallsalot

Sir Fallsalot

Posted
Posted
4 hours 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.

 

You were very wise Bob, It amazes me how many people don't realise that the state pension is just a fixed rate everyone gets the same if they have worked long enough and paid into the system, it's not like the pension schemes in European countries and to compare them is unrealistic as they are calculated in different ways, I've known for the last 30 years how much state pension i will receive if i stayed employed so it's no surprise to me how much or should i say how little i will be receiving, its not enough for me to carry on the way i live now and i did start a private pension in my early 20's to compensate for that but i was lied to by the pension company and stopped paying into it or any other as i didn't trust any of the fuckers. Then i fell into that "I've got no money trap" where i told everyone i had no cash to save as i was just about keeping my head above water but looking back i always had cash for beer bikes and weekends away so i got no real excuse and hold my hand up and say i haven't really prepared for it the best way i could but i can say I've enjoyed the way I've lived my life and hopefully will keep on enjoying it up until i retire and then i will have to see what has to change. I think todays working generation will be much better prepared than ours as everything seems more out in the open and you can't be ripped off as easily as it was when i started a pension, We have been advising our kids to start preparing for their future for a few years now i can never remember anyone telling me that when i was younger i just done it off my own back.

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boboneleg

boboneleg

Posted
Posted
44 minutes ago, Sir Fallsalot said:

You were very wise Bob,

Maybe not that wise, my company pension is paid by a tobacco company and we all know that lots of peeps want to see tobacco wiped out.    Luckily the pension trustees are pretty savvy and most of the pot is invested in exclusive property in London.

All investments, pensions, savings etc are a bit of a gamble if you want a decent return but most of it is better than doing nothing.  As you say , god knows what kids today are going to do about their future .

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boboneleg

boboneleg

Posted
Posted
1 hour ago, XTreme said:

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

I wondered what this workplace was!

He sits outside his gaff painting wheels on cars all day :classic_unsure:

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Six30

Six30

Posted
Posted
1 hour ago, XTreme said:

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

I wondered what this workplace was!

Have you seen " Dont mess with the Zohan" 

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busabeast

busabeast

Posted
Posted
7 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'm not I'll never retire.... it won't be a thing when I get to that age 

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busabeast

busabeast

Posted
Posted
17 minutes ago, boboneleg said:

Maybe not that wise, my company pension is paid by a tobacco company and we all know that lots of peeps want to see tobacco wiped out.    Luckily the pension trustees are pretty savvy and most of the pot is invested in exclusive property in London.

All investments, pensions, savings etc are a bit of a gamble if you want a decent return but most of it is better than doing nothing.  As you say , god knows what kids today are going to do about their future .

We have no future, our forebears saw to that 

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XTreme

XTreme

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12 minutes ago, Renegade said:

I've been there, and so has Dell.

1931002_39480080372_4507_n.jpg

And so has Pedro and Lyn!

The thing is with this lot Phil......they talk a lot but just can't back it up! We've seen it all before!

Pity you can't make it over here cos we could give them an experience they'd never forget!

I know Dell hasn't! :classic_laugh:

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Clive

Clive

Posted
Posted
1 minute ago, XTreme said:

And so has Pedro!

The thing is with this lot Phil......they talk a lot but just can't back it up! We've seen it all before!

Pity you can't make it over here cos we could give them an experience they'd never forget!

I know Dell hasn't! :classic_laugh:

how very dare you GIF

Don't include me in... this lot. 😂 

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