To think we shouldn’t have to contribute to soch if we don’t intend to use it?

[slozenger]

For example, I don’t want a state pension - so I should surely be able to opt out of soch based contributions percentage. And just pay a lesser amount to cover anything I do take advantage of.

You called me scatalogical. I’m happy to agree.

Coprolites were part of my undergrad thesis.

If you are unconscious after an accident you won't have any choice about going to the NHS - and they won't let you discharge yourself if you are seriously injured or in danger of dying (in the unlikely event you could do so if in ICU).
What have you got against the NHS, anyway?
And were you not vaccinated as a child?

Just don’t want to use resources would rather a discount

It's pay over £17,000 in tax. Not earn over £17,000. Approximately 2% of UK adults pay the top tax rate and I'm one of them. I've been a net contributor by miles been for years and you're talking nonsense.

And it's NI.

🤷‍♀️

Oh dear.

We’ve already established this. I am a net contributor, you are not.

Oh dear do you have comprehension issues? I've been in the highest tax band for decades. I very much am a net contributor. Even more than most as I live in Scotland.

Of course you do…. I believe you, millions wouldn’t.

Oh I don’t know, a few hours of going on about Soch, average lifetime earnings, reform, grannies and curing herself with self-inflicted ailments and they’ll be happy to let her self discharge I expect.

I too am only sticking with the thread to find out how I can get such a high paying job.
I've worked all my life (am a similar age to OP) but never reached anywhere near earning £75K - let alone having earned it throughout my working life - even though I can spell, do maths, have a basic understanding of economics, have an understanding of society, and have empathy to those who are struggling at any point, and also have the understanding that we as individuals don't all have the same knowledge. So I seem quite a bit more qualified than the OP.

Life's not really very fair sometimes, is it?

Despite that, everyone benefits from elements of what the state provide, even though it might be indirectly (though I can't see how someone of the OP's age has never benefited from the NHS - even if it were only at her birth and with the child immunisation programmes).

What happens if your private pension falls through or your savings end? You’ll be applying for benefits, which include a state pension.

I didn't know wtf "soch" meant either, but a quick google suggests it's some kind of health initiative in India targeted against HIV.

Is that what you are complaining about? (I think you also said something about coming from where the best tea is - India?)

But if you are from Scotland and are referring in some stupid and indirect way to NI payments I'd suggest you'd be better saying National Insurance or "sosh" rather than impenetrable argot so that everybody else actually knew WTF you were talking about!

(Sorry as I'm sure many have already pointed this out but I can't be arsed reading all of the OP's one-liner meaningless posts)

I don't know either. Googled it and still none the wiser.

Well ……….if you don’t want your state pension then could you get them to transfer it to me ?

WTAF is a non NHS user?! You're opting out of A&E? Ambulances being called for you when you're unconscious? When your private op goes wrong and you get thrown to the NHS doctor wolves, you're going to say: "No thank you, I'll die please!".

What if criminals don't want to pay for the police because they play for the other team? What if I don't want to subsidise rural bus routes because I drive in a city?

You will need to leave society to stop paying your pension.

@slozenger Why would I get hit by a car? Realistically that would not happen

??? Do you literally live inside a bubble? Even if so, it could still happen. I have treated/processed quite a few people over the decades hit by cars who were minding their own business walking on pavements, sitting outside cafes, and in two cases sitting in either living room or bedroom of their own houses. In all cases out of control cars mounted pavements/ran off roads and hit them (or went through a wall of their house causing inner damage to fall on them etc). Shit happens. Even if you had some badge, which by the way would likely fly off or be smashed, or trapped with you under a vehicle, that said “I don’t use NHS”, emergency services are still going to deal with you and you will still be loaded in an ambulance and carted off to hospital. Worse case, the morgue, but hang on, not NHS so do you have a friend with a walk in cool room until private arrangements can be made for you?

In totality, not just NHS, this whole thing is the silliest thing I’ve ever read. It’s like me saying I want some form of tax/contribution refund as they have built an open air basketball court in the park for community use, but I don’t play basketball. That’s not how society works.

I don't benefit from truckloads of hunky firemen turning up at my door every night, doesn't mean I'm entitled to a discount of my contributions to the service. One day there could be a fire, and I for one am glad there's a safety net, for which I'm willing to pay toward. I'm also pretty bloody chuffed that they're there for others regardless of me so far never needing them. (Touch wood!)
Same analogy goes for state pensions.
Get real!

@slozenger your comprehension skills are poor, to be a net contributor you would need to pay more then £17k in tax per annum, not earn £17 yourself!

Late to the thread, but just chiming in to point out that the chizzer is where the chips come with "special sauce". As any fule kno.

How can you be sure you aren't going to be the 1 in 2 people who will get cancer in your lifetime?
Private health care tends not to offer chemotherapy or radiotherapy as part of its offerings.

Fall bash your head, need Ambulance and Intensive care, are you still going Private?
Unable to work again due to head injury, how are you paying for everything?

School we'll take that out the equation you benefited from school that the retired generation paid for.

😂😂😂

Orite

I agree with this. The youngsters among us are unlikely to get a state pension at all unless maybe means tested. Why should people pay in, to get nothing back?

What an irritating thread.
(possibly the worst I've seen on here in a long time).

OP: why insist on making up a wierd spelling of a word used only by you/ your gran/ allegedly some other people who live in your immediate vicinity, and criticise everyone else for not understanding what you're on about, while refusing to offer any explanation?!

People elsewhere might refer to "the Social" but it's obvious that nobody shortens it the way you do. And didn't before 2001 either. It is definitely NOT a thing in Scotland - up here we're more likely to call it "the Broo" (as in Labour Bureau).

If you've been around for so long and are oh-so-knowledgeable, surely you know that your NI and tax contributions go towards paying for lots of different services and benefits. Not just state pensions.

You keep saying you care about disabled people and children, and don't mind paying towards things for them, but don't seem to have taken on board the way that everybody in society benefits from the existence of social security/a safety net, and that if you were allowed to claim some level of 'discount' relating to your pension, then other people might think they deserved to pay less too, because they: didn't have children at all, had kids but didn't send them to state school, were able-bodied throughout their lives, didn't need cancer treatment etc etc.

eg I hardly create any landfill rubbish so my bin doesn't need to be emptied very often. And I compost all my own food/ green waste. I never drop litter (or leave dog-shit) in the street. I'm not going to ask for a discount off my council tax!

If you really want to live in a society where there isn't any State support - either you pay for yourself or you go without,, please go and live in one of the places in this world where that is the norm.
Or maybe just have a short holiday there (without any travel insurance).
Even just a week or two.
Think you'd change your mind pretty quickly.