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How did you find out it was with Phoenix Life or where it was invested ? When you opted out I always thought, maybe incorrectly, that the opted out element just went into your companies pension fund, just adding an additional boost to what you and your company put in. Are you saying the money...

Cant remember smacking my lad when he was little, although it was rare we let him out of the cage.

The rule is you need to pay in 35 yrs, this ensures that those on minimum wage get a pension. Im sure like some others on here if it was a fixed total value you needed to pay in, they would have probably payed their lot many years before the 35yrs had elapsed. The minimum yearly wage based...

What boos at half time? Im sat in the stadium in the East Stand and the only boo was for the ref not playing the added time after their player went down.

Hugo Boss certainly knew how to make a snappy suit.

The state pension would avoid tax anyway as its less than the threshold for the tax free allowance i.e. £12570 per yr or £242 per week. In what I originally said re NI it would be on the private part of the pension only. But the question remains, without fully means testing the state pension or...

Im not in disagreement with that and well aware that im likely to pay many more years than 35 which is only right. The problem is how do we make pensions affordable so future generations aren't screwed over. Continuation of payment of NI when you take income from your pension is at least an...

Isn't Bulgaria a bit of a hot spot for naturists ? Not quite sure however where he will clip his body cam though !

Based upon that logic then I might as well not pay, I've 35 yrs as of last September yet earn more than 4 times the average UK salary. But hey lets leave it to those who cant afford to pick up the tab. I fully understand that people want to hold onto their money and in the ideal world everyone...

To reiterate what has been said multiple times before, the money "you" paid was paying for those who were drawing a pension whilst you were working. Your state pension when you get it is paid for by current tax payers. NI pays for more than just pensions. Lets put it this way you could, if you...

Thats the problem though, it is only a psychological link not an actual one. I dont suggest we get rid of NI and there still should be a fixed number of qualifying years, but why should you stop paying NI when withdrawing from a pension, as Im sure we can all agree it pays for more than just...

Some dipship doing the announcement before MotD "And we can hear the celebrations from Stockport, its Match of the Day".

Isnt the answer to unaffordability of the state pension, making NI contributions compulsory regardless of if its coming out of a pension, just like income tax is.

With respect to war, the world is no more or less dangerous than it was prior to the fall of the soviet union in the late 80s. What we have lived through in the last 30yrs, in the west at least, has been an unprecedented time of stability. What we are seeing now is a reversion to the normal.

Marge Simpson

To me this is the correct answer. The problem with any open communications system is that you give a platform not only to balanced, rounded individuals who are willing to have a reasoned debate but also extremists, governments, the dregs of society (criminals, nonces etc) and idiots just...

Im sorry but being nominated for a BAFTA is a bit like being nominated for an Oscar. Not really a measure of quality. I mean Bill Nighy got a best supporting actor for a bit part in Love Actually and the Masked Singer best entertainment show ? Its all relative as well to the year of the...

I agree it’s fallen from 2008 see graph below, but in real terms relative to what we paid in the 90s its roughly the same income particularly if you take into account that the number of TV licenses has increased from 22m to 24.3m between 1997 and 2023 so 10% making the real terms income...

Crazy world isn’t it. I mean terrorists, what makes them tick

Many of the models and theories that were developed in the 30s and 40s were over simplified and dont take account of the massive societal changes post WW2 and in the later part of the 20th Century. If you look at Keynes he believed that people would work to a point where their basic needs were...