Worried your pension will run short and not provide for your old age?

Discussion in 'Off-Topic Chat' started by chrisjohnston, Jul 27, 2010.

  1. chrisjohnston

    chrisjohnston Member


    So you're a sick pensioner and the government says there is no nursing home available for you - what do you do?

    Our plan gives anyone 65 years or older a gun and 4 bullets. You are allowed to shoot 2 MP‚s and 2 illegal immigrants!

    Of course, this means you will be sent to prison where you will get 3 meals a day, a roof over your head, central heating, air conditioning and all the health care you need! New teeth - no problem. Need glasses, great. New hip, knees, kidney, lungs, heart? All covered. (And your kids can come and visit you as often as they do now - monthly ).

    And who will be paying for all of this? The same government that just told you that you they cannot afford for you to go into a home.

    Plus, because you are a prisoner, you don't have to pay any income taxes any more.
  2. StellaJohnson

    StellaJohnson Active Member

    I haven't got a pension, cannot afford to put anything into it and dopn't trust them. I cannot afford to buy a home, I've been screwed before I hit retirement. Therefore the Government cannot take away something I haven't got because I have nothing to begin with.
  3. geordiecolin

    geordiecolin Active Member

    Why not just use the bullets to shoot 4 other old people?!
  4. still learnin

    still learnin Member

    That is really tough. How were you screwed was it redundancy or pay cut or something along those lines?

    I've got younger friends who also can't afford to put funds into pensions or save for a deposit on a house but for them it is a lifestyle choice. They prefer to spend the limited funds they do have on a hectic social life, TVs and IT gadgets and holidays abroad whenever they can afford it.

    In my day (as my father used to say to me!!) once we reached our 20s the pension and home started to creep up the priority list and socialising and holidays slid down the list. My wife, daughter and I had our first real holiday, a couple of weeks away from home, 10 years after we were married, we just couldn't afford it before that.

    What do you reckon, have people's priorities changed?

    it could be that so many things that weren't affordable to many people 30 years ago (if they existed at all) are taken for granted now, e.g. holidays abroad, laptops, mobiles, TVs, ipods etc.
  5. Lawrencediana

    Lawrencediana Member

    You are obviously a politician, an economically viable way of self retirement.
  6. StellaJohnson

    StellaJohnson Active Member

    i was made redundant 18months ago, I now work in leeds away from home and have to room share as I cannot afford to rent somewhere myself. I haven't had a pay raise for 3 years. My salary just about covers food, rent, car etc. I haven't been shopping for god knows how long, haven't had a holiday for 3 years. Don't buy anything unless nessarsary. I'm not in debt

    Pensions is the last thing I worry about, especially with all the sandal thats been going on!!
  7. Leyfy

    Leyfy Active Member

    Ummm..... partly, but also things have changed a lot economically. I came out of university £16k in debt after 4 years. I had a part time job (on £3.55 a hour - those were the days!), but I had to run a car in my final year to get to my placements for my PGCE course, which I think was the most expensive thing. Well, I mean my car cost £50 (it was a Yugo 65a - remember those!?) but the insurance etc and actually learning to drive was the most expensive part of university for me after fees and accommodation costs etc. Anyway, when I came out of uni my first job was on £17.5k a year ..... a whole £1.5k more than my uni debt! Since then my salary has gone up, but so has cost of living. I can't really afford to save much at the moment, but I am hoping that will change in the next couple of years.

    My priority has changed in that I couldn't ever see me affording a house where I live at the moment. I live in the south east, in a nice house in a relatively nice area. There is no way (even if I scrimped and saved for years and years) I could afford to buy what I have now rather than renting. I had a look at mortgages recently, and even on a modest place around here the mortgage was nearly £300 a month MORE than the rent on our house.

    I do have a pension, organised by work. Who knows what will happen by the time I get there.....
  8. still learnin

    still learnin Member

    It'll get better, the cream always rises to the top. :)
  9. still learnin

    still learnin Member

    Yeah the student dept is onerous without a doubt. Going to uni now would frighten me to death (actually it frightened me to death back then as I left school aged 15) I've only ever borrowed for two things, my first car and my house. I would hate to bear the burden that you guys have.

    Perhaps in the future the English will have to copy the French, owning a home in France isn't such a priority. I can't recall the actual statistics but I'm pretty sure the vast majority pay rent.
  10. Leyfy

    Leyfy Active Member

    The thing that is depressing it that it is classed as 'normal' now. The minimum my friends left uni with was £9k of debt (I only managed £16k as I did an extra year, and that was in London) and it's getting worse. My cousin is 4 years younger than me, and finished uni a couple of years ago after doing a Law degree at a very good university. Her debt is much higher than mine, and she hasn't yet managed to get a job which requires her skills.
  11. StellaJohnson

    StellaJohnson Active Member

    Young people seem to be the forgotten gneration, I know some spend there cash on stupid expensive clothes and holidays etc, but it is frighting what uture they have in store. Student debt, unable to get on the housing ladder, pensions.
  12. chrisjohnston

    chrisjohnston Member

    I am a believer of enjoy today & worry about tomorrow when it comes (if you can)
  13. Kjata

    Kjata Member

    :clap: :clap: :clap: Thats the spirit Chris!
  14. chrisjohnston

    chrisjohnston Member

    see you tonight at BP matey, will bring the implants as they just arrived!
  15. Lawrencediana

    Lawrencediana Member

    Unfortunately for you in 2012 you won't have a choice the last government laid down legislation to force people to provide for their retirement and unless this government repeals that act then we will all HAVE to pay.
  16. still learnin

    still learnin Member

    Or hope that your children will bale you out!!
  17. StellaJohnson

    StellaJohnson Active Member

    have to worry about that when it comes, the government of either party have alot to answer for why people have such lack of trust in the pension system
  18. Splitzer

    Splitzer Member

    I realise the adjudicator shooting season is over, but perhaps we could use the bullets to put British instrument manufacturers out of their misery and allow more cheap Chinese imports? The reason this country is going to the dogs and we cannot afford to support our old age is that we don't actually produce anything worth buying. Chinese instruments/ Polish coal have/will change banding, but Daily Mail style immigrant bashing will not change anything.
  19. Lawrencediana

    Lawrencediana Member

    I have to agree, part of this vountry's problem is that we don't produce anything and what we do produce belongs to another country. We have done nothing to protect our industry from foreign ownership, and so the majority of the profits go overseas. Shame on us!!!!
  20. BigHorn

    BigHorn Active Member

    There's one of your biggest problems. Financial security and a pension should always come before car ownership.