Two Gun Bob
Well-Known Member
- Joined
- 2 Apr 2010
- Messages
- 12,458
Are you on a promise chap ...Is that why your having your once fortnightly bed bath
Don't forget behind your ears in case you get intimate.
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Retiring
- Thread starter blue moon rising
- Start date
Don't forget behind your ears in case you get intimate.
Bill Walker
Well-Known Member
You going round to Brooklands sperm pool again, or getting a bit of drones tic tac ?Just cos you shag to the flight of bumble bee.
Some of us like to linger.
Bill Walker
Well-Known Member
They're great.Honda CBR650R. Cracking machine. I love riding it.
I had a 400/4 once, loved it. Also CBR250
Can't beat a Honda.
abu13
Well-Known Member
Now that I have turned 50 I am getting more and more focused on my pension and retirement plans.
I was advised to list my total household income and identify where every penny we spend goes.
After doing this then deduct anything that we don't expect to be paying out and what remains is what we should be planning for in today's income terms.
I was quite surprised to find that i expect us to only need around £28k a year as a joint income to maintain what I consider to be our current comfortable lifestyle. Given that we should receive around £18k in state benefit between us then I only need an additional income of around £10k a year.
I have been assuming that i would have to work until I was 67 to have any sort of comfort in retirement where now I am seriously considering that I may only work until I am 63.
I found this a really useful exercise and wish I had done this years ago,
I was advised to list my total household income and identify where every penny we spend goes.
After doing this then deduct anything that we don't expect to be paying out and what remains is what we should be planning for in today's income terms.
I was quite surprised to find that i expect us to only need around £28k a year as a joint income to maintain what I consider to be our current comfortable lifestyle. Given that we should receive around £18k in state benefit between us then I only need an additional income of around £10k a year.
I have been assuming that i would have to work until I was 67 to have any sort of comfort in retirement where now I am seriously considering that I may only work until I am 63.
I found this a really useful exercise and wish I had done this years ago,
I retired a year ago after 40 years at the same employer, with a maxed out pension contribution. My wife retired two weeks ago after 36 years at the NHS.
Retirement is highly recommended. I only regret I didn't do it 40 years ago.
Retirement is highly recommended. I only regret I didn't do it 40 years ago.
Chippy_boy
Well-Known Member
There's plenty of people in the private sector who have seen bugger all pay rises over the past 10 years as well you know.Well my time has finally come-25 years service in the police ended yesterday. I lose a small fortune going early but it was a no brainer really-the job has become harder and harder, its far more dangerous and its increasingly thankless and risky.
Its still a great job-unfortunately austerity (May) hammered us along with the rest of the public service-no pay rises in over a decade still grips my sh*t.
Nonetheless, I paid my mortgage off yesterday and I get to retire at 52 on 44% pay.
Anyway, enjoy your early retirement and your extra 15 years of relaxing compared to most of the rest of us. Most people in the private sector could only dream of this. In fact 44% of my pay at 67 would be a fucking miracle.
B
B
blueinsa
Guest
There's plenty of people in the private sector who have seen bugger all pay rises over the past 10 years as well you know.
Anyway, enjoy your early retirement and your extra 15 years of relaxing compared to most of the rest of us. Most people in the private sector could only dream of this. In fact 44% of my pay at 67 would be a fucking miracle.
I like bert as a poster and thank him for his service but agree with you here.
His bit of a sob story the vast majority of us would kill for.
dickie davies
Well-Known Member
That's where I hope to be in five years when I hit 63Now that I have turned 50 I am getting more and more focused on my pension and retirement plans.
I was advised to list my total household income and identify where every penny we spend goes.
After doing this then deduct anything that we don't expect to be paying out and what remains is what we should be planning for in today's income terms.
I was quite surprised to find that i expect us to only need around £28k a year as a joint income to maintain what I consider to be our current comfortable lifestyle. Given that we should receive around £18k in state benefit between us then I only need an additional income of around £10k a year.
I have been assuming that i would have to work until I was 67 to have any sort of comfort in retirement where now I am seriously considering that I may only work until I am 63.
I found this a really useful exercise and wish I had done this years ago,
A £300k fund, take £75k out tax free and use £10k a year of it added to my pension drawdown planned to be £12.5k a year so I will be on £22.5k tax free plus what Mrs DD brings in. Then the state pension kicks in four years later
A rough calculation says that the drawdown should last until I'm in my 80's
Three month long lets in warm countries are our aim
nellyonthewing
Well-Known Member
Been fully retired 11 years now. Stepped down retirement is best if you can fix it rather than a sudden cessation of work. I had 3 jobs from 50 -60.
Do a spreadsheet -I know where my income/expenditure went for 10 years and and can confidently say I have enough to match my lifestyle all I have to do is stay alive to enjoy it..
Pay off debt its a killer.
£25K is plenty for a couple with both state pensions incl.
Do a spreadsheet -I know where my income/expenditure went for 10 years and and can confidently say I have enough to match my lifestyle all I have to do is stay alive to enjoy it..
Pay off debt its a killer.
£25K is plenty for a couple with both state pensions incl.
kippax4ever
Well-Known Member
- Joined
- 25 Feb 2015
- Messages
- 4,147
His bit of a sob story the vast majority of us would (kill for.)I like bert as a poster and thank him for his service but agree with you here.
His bit of a sob story the vast majority of us would kill for.
Not the right expression mate.
Once a copper always a copper lol