To give you the pensioners facts

[Moier]

So many threads about pensioners being well off.
I've just had my forecast.
I turn 66 in November .
Those born after September 23rd 1958 will not get the winter fuel allowance no matter what credits you are on.
Esa etc etc.
My forecast us £221 per week.
Also pensioners still have to pay rent.
Council house tenants will still pay bedroom tax.
Pensioners won't get council tax reduction.
Unless you have paid into a private pension .. pensioners will be the poorest they have ever been.
And we waited an extra 6 years for bugger all.
Stammer is the theif that has stolen all our golden hours.

I left school at 16 and went to work for Lloyds bank.
Women were not allowed to pay into the pension scheme until they were 25!
9 years we were denied a private pension scheme because we were women and in my managers words ' would leave to have babies.'
Sexism alive and well in 1979.

Worse type of thief. The one that is cruel to children and pensioners and pretend he is such a decent person. Never trusted him so this is not on me.

Child benefit is nobody's only income, come on now! Those out of work are entitled to UC even if they own a home, they just don't get the housing element of UC. So comparing child benefit to State Pension is reaching and you know it

You haven't read my posts have you
This is for some of my peers.
I didn't say other wise.

Where on earth have l said l personally don't have private pension?
This post l put is for pensioners in general ( some of my peers mainly).
I personally don't need my pension and won't be claiming it .
If you have read any of my previous posts.
When l was younger an abusive ex threw me under a bus and left me for dead. I was in a coma and left severely disabled.
He got jailed and it took me 16 years to get justice and a big pay out..
I haven't had a relationship scince .
I don't have a vagina any more.. my pelvis got crushed.. my hips / jaw/ ribs/ skull got broken.
Well actually most of my body.
I was on DLA before my payout.. l don't need to claim anything.
Some say I'm lucky to have a few million.
Rather have my body and mental health back.
My post was for those born after 23rd of September.
Not me personally.
I will be still helping my family and friends who have been there for me financially.

@Rosscameasdoody - Where did I say I was whinging? I was pointing out that, far from all pensioners being poverty-stricken, over 800,000 have an income high enough to be in the higher rate tax band.

Yep them. Don’t forget also the women who had no access to newspapers, letters, internet etc to inform them of this. So couldn’t possibly know

Can't you read???
See what l put..
Where on earth have l said l personally don't have private pension?
This post l put is for pensioners in general ( some of my peers mainly).
I personally don't need my pension and won't be claiming it .
If you have read any of my previous posts.
When l was younger an abusive ex threw me under a bus and left me for dead. I was in a coma and left severely disabled.
He got jailed and it took me 16 years to get justice and a big pay out..
I haven't had a relationship scince .
I don't have a vagina any more.. my pelvis got crushed.. my hips / jaw/ ribs/ skull got broken.
Well actually most of my body.
I was on DLA before my payout.. l don't need to claim anything.
Some say I'm lucky to have a few million.
Rather have my body and mental health back.
My post was for those born after 23rd of September.
Not me personally.
I will be still helping my family and friends who have been there for me financially.

How vile and grabby and greedy we have become. There are many complex reasons why things don't always turn out the way you thought.

Poor health, disappointments in various forms.

Maybe people aren't reading your nonsensical ramblings or maybe they are and just can't work out what the fuck the point of this thread is. Other than to let us know you have "millions" of course.

Starmer’s taking £200 from you (£4 pw) which you wouldn’t have got this year. Bedroom tax doesn’t apply to pensioners. You can still get council tax benefit or single person discount if you satisfy criteria

I'm 50 and have known these facts all my life.

Which is why I've been paying into private pensions since I was 20.

This is not news. If you don't save for retirement then all you have to live on is benefits.

That's not KS fault.

You must be aware that lots of men fuck off and leave women raising kids with no spare cash for a pension?

Seriously who cannot comprehend that some people's life circumstances meant that they genuinely could never build up a private pension or assets? Especially those who are old now? Particularly women? Are you aware that low earners who couldn't afford to buy a home have paid rent over their lifetime; many low paid jobs had no pension schemes until quite recent times; in some working class communities women had very few opportunities outside the home as no childcare was available - they took in washing, ironing, sewing to make 'pin money' - which actually fed and clothed the children, but saved the husband the shame of having a wife 'have to work out' (of the home). I'm in my sixties and do have small occupational pensions, but I can well understand why other people don't. I'm astounded at the lack of awareness - or are some people on MN deliberately obtuse? Do they lack basic empathy and compassion? Sometimes I feel very jaded at attitudes displayed on here.

Agreed totally pp.
parents downsized into a bungalow so they have a cosy home for just the two of them.
people must plan for their own future and stop saying “we weren’t told” all the time. You have to do your own research and save accordingly.

Surely you have a workplace pension too? Nobody can live off just the state pension.

"More fool you for never building up your own pensions or assets."

Oh to be so privileged to have never had to think that some people can't afford to do this. I'd actually like to be this ignorant tbh.

Well I would say the same for the "peers" you are so worried about...you need to save for your old age. Luckily, we live in a country where we have some safety nets for people who can't work and didn't prepare for their retirement but no, it won't be golden.

I beg your pardon?! My mum has worked all her life since she was 15 and due to a twist of bad luck, ended up losing her main company pension and only gets a tiny one from her job she had in her teens. Now, because she receives a pittance from said teen-job, she's been declined for Pension Credit! My late Dad had been self employed so didn't get a company pension from him when he died, just the bungalow they own outright.
She now survives on £600pm state pension and has to pay NHS dental fees, full council tax (a LOT) the works. She is left with £30 per week for food, toiletries, cleaning products and fuel for her car. £30 total per week.

Also if you are 66 you will have had opportunity to buy a 3/4 bed house for about 80k so you’re likely to have no mortgage or rent?

All this over two-three hundred quid. As if it wasn't going to happen whoever got in.

I’ve not heard that.

My Gran was right, stuff it under a mattress.

Also, I think a lot of people are forgetting that today's pensioners lived & worked (& set up pensions) in times before it became mandatory for companies to contribute to employee pensions.

Who doesn’t pay a penny into a private pension and expects their retirement to be their golden hours?

MIL died at 96 recently - she gave up work when she had first DC. She was a SAHM after that, as was fairly normal in the 50s onwards. She left school at 15 with no qualifications and knew nothing about financial planning. They were as poor as church mice and FIL had COPD and never earned enough to afford a private pension, even if they’d thought about it. After the children left home, she worked as a dinner lady for a few hours a week. FIL died before retirement age.

MIL lived on the old state pension. It was only when SIL got an LPA a few years ago, that SIL applied for pension credits.

She may have been asset rich and cash poor; but if you can’t afford to maintain the house or have the heating on for more than hour a day, it’s still living in poverty! It’s no use, expecting someone born in the 1920s, with little education to have the wherewithal and financial awareness they haven’t got!

Compulsory pension enrolment only happened quite recently (and the firms my DC have had holiday jobs with have wriggled out of this by taking them off the payroll). Many women have short term part time jobs going in and out of work to fit around family and employers. Women also often end up paying children's expenses so if they increased pension contributions their DC went without ballet or football lessons and today without meals. Also people may have worked abroad and not built up national insurance for full payout or not been aware you could update years until too late

OMG, please stop posting the same thing over and over again 😅

We are also talking about your peers. If they haven't made any provision for their old age, why not?