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Couple of.points.

When I retired at 65 I worked 1 month after my birthday and didn't pay NI.

As I don't have any pay slip records I can't check what amount of NI i have paid over the years.

At current pension rate after 10 years I will get approx £120k if I'm still around after 20 years near £240k.

I doubt if I will.have paid that much NI in my lifetime.
I had to read that several times but I think I got there in the end…

On the point of not knowing how much NI contributions you have made - you don’t need payslips, you need to go on government gateway and there will be a record there.
 
If you're interested in all this economics malarkey, take a look at some of Gary Stevenson's videos on YouTube. He explains a lot of good stuff in simple terms and is doing his darndest to promote a heavier tax on the super rich. I buy into his view that it's wealth inequality that is likely to be the UKs (and indeed much of Europe's) downfall.

The super rich don't need income per se, they just tend to acquire assets (property principally) which leads to an increase in property values and hence makes it much harder for the younger generation to become property owners. And when you think the UK economy is heavily dependent on home ownership you can quickly see the problem. Check him out, really interesting.
I’ve said this a few times - wealth isn’t about having a few quid in your pocket or money in the bank, it’s about assets. That’s how the super-rich avoid tax, legitimately, whilst seeing the value of their assets grow.

Yet have a conversation on here about inheritance tax and all hell will break loose. Everyone wants the rich to pay their dues but no one wants to pay any more tax or NI whilst grandstanding for doctors and nurses getting pay rises. 😁

Tax all earnings on a sliding scale. 20% on someone who earns millions is a drop in the ocean where as 10% on someone that earns a pittance could be the difference between having the heating on or not.

Just tax the fuck out of everything and plough the money back into infrastructure and nationalising parts of industry. In 20 years time you’ll have a much happier higher taxed Britain.
 
I’ve said this a few times - wealth isn’t about having a few quid in your pocket or money in the bank, it’s about assets. That’s how the super-rich avoid tax, legitimately, whilst seeing the value of their assets grow.

Yet have a conversation on here about inheritance tax and all hell will break loose. Everyone wants the rich to pay their dues but no one wants to pay any more tax or NI whilst grandstanding for doctors and nurses getting pay rises. 😁

Tax all earnings on a sliding scale. 20% on someone who earns millions is a drop in the ocean where as 10% on someone that earns a pittance could be the difference between having the heating on or not.

Just tax the fuck out of everything and plough the money back into infrastructure and nationalising parts of industry. In 20 years time you’ll have a much happier higher taxed Britain.
What a great post, well said.
If the Tories succeeded in anything in their 14 years of misrule, they succeeded in convincing a large proportion of the less intelligent that income tax was bad and cutting tax was good. It was particularly good for the super rich, but they forgot to mention that bit.
Meanwhile, public services went right down the tube. Seven or eight million people on never ending NHS waiting lists, half a day waits for ambulances, impossible to see GPs, the collapse of social care for the elderly and vulnerable, schools falling apart and increasingly asking for parental contributions just to keep operating, no police response to crime due to lack of manpower, the erosion and cutting funds to local authorities leading to increases in council tax and the closure of local services like libraries, swimming pools and toilets, roads not maintained and not fit to drive on. The list goes on, I bet you could add many examples of your own.

The contrast here in Spain couldn't be more stark, and they've had their equivalent of a Labour government in power almost since I got here six years ago. I pay around 18% of my annual income in tax, and I'm GLAD to pay it.

Just to give you a few examples of what public services are like here. I live in a small village, population about 500. We have a GP surgery here open two hours a day, five days a week. We have a health centre with A&E about 3km away in Pego. I can make an appointment to see my GP online and be in to see him within a week. When I go, I can take my time and speak to him, he's not trying to get me out if the door after five minutes, and he asks me at the end if there's anything else he can do for me. If I need to see a specialist, he will arrange for me to be seen at Denia hospital, usually within three or four weeks. We also have a full time pharmacy in the village where I collect my prescription at subsidised prices, e.g. blood pressure tablets, a month's supply for two quid.
The roads here are fantastic, it's the first thing UK visitors remark on. They don't know what potholes are here. The motorways and A roads have surfaces like billiard tables. Local roads are fully maintained too, with regular hedge and grass cutting, drain clearing and sweeping. You regularly see street cleaners with carts and big brooms keeping the Pego streets swept.
The police force responds to calls immediately, and patrol cars are very visible around town and on the main roads. Local police supervise crossings outside schools morning and afternoon.
Pego has just opened a massive new library. My own little village opened a fantastic refurbished communal pool and bar two years ago. The local authority installed solar powered LED lighting on the lane below my house which links the urbanisation to the village, about 800 metres long, to keep people safer at night. Just a local lane! My council tax and waste disposal is the equivalent of £340 per annum. My electricity bill, subsidised by the government courtesy of excess profits tax on the energy companies and banks, is about £70 a month.
I could go on and on; Spain is not a paradise, it has its share of crime, social problems, even a fascist political party like your very own Reform which regularly attracts about 12% of the national vote. But people here understand that the public sector has to be financed by their taxes and they know they have to pay them. People in the UK have to re-learn that lesson, and the Labour party have to find the balls to really get stuck in, and not tinker around the edges.
 
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I had to read that several times but I think I got there in the end…

On the point of not knowing how much NI contributions you have made - you don’t need payslips, you need to go on government gateway and there will be a record there.
Maybe I wasn't clear and a good point about the gateway account.

I knew roughly how much NI I had paid over the years but too lazy to go and add them all up.

My point, not made clear was about the comments about not paying after 35 years.

Depending on lifespan, you could get back out more than you put in.

Whether the pension is good enough is a another subject

(y)
 
Maybe I wasn't clear and a good point about the gateway account.

I knew roughly how much NI I had paid over the years but too lazy to go and add them all up.

My point, not made clear was about the comments about not paying after 35 years.

Depending on lifespan, you could get back out more than you put in.

Whether the pension is good enough is a another subject

(y)
Yeah, I did work it out, it was probably just me …..
 
I’ve said this a few times - wealth isn’t about having a few quid in your pocket or money in the bank, it’s about assets. That’s how the super-rich avoid tax, legitimately, whilst seeing the value of their assets grow.

Yet have a conversation on here about inheritance tax and all hell will break loose. Everyone wants the rich to pay their dues but no one wants to pay any more tax or NI whilst grandstanding for doctors and nurses getting pay rises. 😁

Tax all earnings on a sliding scale. 20% on someone who earns millions is a drop in the ocean where as 10% on someone that earns a pittance could be the difference between having the heating on or not.

Just tax the fuck out of everything and plough the money back into infrastructure and nationalising parts of industry. In 20 years time you’ll have a much happier higher taxed Britain.
We then need to be better at choosing how we spend on infrastructure projects. I am astonished by some of the chosen projects and their assigned budgets.
 
There used to be a statutory body looking at tax simplification but it’s been closed down somewhere along the way.
I just had a look at this. It was none other than the Truss/Kwarteng regime that binned off the Office of Tax Simplification. Colour me surprised.
 
Don't know how long you've been in DVLA but you'll be on the civil service scheme, if its the classic and you've got the years in it'll be tidy, I get mine in 3 years(60) for 20 years service and its not bad at all, I'll still be working, but with my current job and my monthly pension hopefully the missus can retire and be a full time grandmother
Perhaps you’ll get the beers in then🤣🤣
 
Don't know how long you've been in DVLA but you'll be on the civil service scheme, if its the classic and you've got the years in it'll be tidy, I get mine in 3 years(60) for 20 years service and its not bad at all, I'll still be working, but with my current job and my monthly pension hopefully the missus can retire and be a full time grandmother
Full time Grandmother, what’s the wage structure, sick pay, pension, how many days holidays etc
I’ll be ringing Mrs Epaul when l get home 😂😂
 
If you're interested in all this economics malarkey, take a look at some of Gary Stevenson's videos on YouTube. He explains a lot of good stuff in simple terms and is doing his darndest to promote a heavier tax on the super rich. I buy into his view that it's wealth inequality that is likely to be the UKs (and indeed much of Europe's) downfall.

The super rich don't need income per se, they just tend to acquire assets (property principally) which leads to an increase in property values and hence makes it much harder for the younger generation to become property owners. And when you think the UK economy is heavily dependent on home ownership you can quickly see the problem. Check him out, really interesting.
I will cheers, it’ll probably put me in a filthy mood but what’s new these days 😳😂
 
I’ve said this a few times - wealth isn’t about having a few quid in your pocket or money in the bank, it’s about assets. That’s how the super-rich avoid tax, legitimately, whilst seeing the value of their assets grow.

Yet have a conversation on here about inheritance tax and all hell will break loose. Everyone wants the rich to pay their dues but no one wants to pay any more tax or NI whilst grandstanding for doctors and nurses getting pay rises. 😁

Tax all earnings on a sliding scale. 20% on someone who earns millions is a drop in the ocean where as 10% on someone that earns a pittance could be the difference between having the heating on or not.

Just tax the fuck out of everything and plough the money back into infrastructure and nationalising parts of industry. In 20 years time you’ll have a much happier higher taxed Britain.
If you watch Stevenson you'll hear him say numerous times he's after the super rich, not the folk who are in the higher tax bracket, more like the Sunaks of this country or the Astra Zeneca CEO who "earned" £18m last year
 
I had to read that several times but I think I got there in the end…

On the point of not knowing how much NI contributions you have made - you don’t need payslips, you need to go on government gateway and there will be a record there.
Have a look here


This will tell you what your NI contributions have been and what you can do if you are likely to be short of the max state pension
 
What a great post, well said.
If the Tories succeeded in anything in their 14 years of misrule, they succeeded in convincing a large proportion of the less intelligent that income tax was bad and cutting tax was good. It was particularly good for the super rich, but they forgot to mention that bit.
Meanwhile, public services went right down the tube. Seven or eight million people on never ending NHS waiting lists, half a day waits for ambulances, impossible to see GPs, the collapse of social care for the elderly and vulnerable, schools falling apart and increasingly asking for parental contributions just to keep operating, no police response to crime due to lack of manpower, the erosion and cutting funds to local authorities leading to increases in council tax and the closure of local services like libraries, swimming pools and toilets, roads not maintained and not fit to drive on. The list goes on, I bet you could add many examples of your own.

The contrast here in Spain couldn't be more stark, and they've had their equivalent of a Labour government in power almost since I got here six years ago. I pay around 18% of my annual income in tax, and I'm GLAD to pay it.

Just to give you a few examples of what public services are like here. I live in a small village, population about 500. We have a GP surgery here open two hours a day, five days a week. We have a health centre with A&E about 3km away in Pego. I can make an appointment to see my GP online and be in to see him within a week. When I go, I can take my time and speak to him, he's not trying to get me out if the door after five minutes, and he asks me at the end if there's anything else he can do for me. If I need to see a specialist, he will arrange for me to be seen at Denia hospital, usually within three or four weeks. We also have a full time pharmacy in the village where I collect my prescription at subsidised prices, e.g. blood pressure tablets, a month's supply for two quid.
The roads here are fantastic, it's the first thing UK visitors remark on. They don't know what potholes are here. The motorways and A roads have surfaces like billiard tables. Local roads are fully maintained too, with regular hedge and grass cutting, drain clearing and sweeping. You regularly see street cleaners with carts and big brooms keeping the Pego streets swept.
The police force responds to calls immediately, and patrol cars are very visible around town and on the main roads. Local police supervise crossings outside schools morning and afternoon.
Pego has just opened a massive new library. My own little village opened a fantastic refurbished communal pool and bar two years ago. The local authority installed solar powered LED lighting on the lane below my house which links the urbanisation to the village, about 800 metres long, to keep people safer at night. Just a local lane! My council tax and waste disposal is the equivalent of £340 per annum. My electricity bill, subsidised by the government courtesy of excess profits tax on the energy companies and banks, is about £70 a month.
I could go on and on; Spain is not a paradise, it has its share of crime, social problems, even a fascist political party like your very own Reform which regularly attracts about 12% of the national vote. But people here understand that the public sector has to be financed by their taxes and they know they have to pay them. People in the UK have to re-learn that lesson, and the Labour party have to find the balls to really get stuck in, and not tinker around the edges.
That's a good post PJ and it shows what can actually be achieved with the right will.

However in the UK I am concerned with the complete inability of our politicians of every colour to properly manage the tax take and to distribute it efficiently to get the maximum bang for the buck.

The NHS is one of my main bugbears. The people who work in it are by and large decent hard working and committed individuals, but it scares the bejesus out of me when people say we should pour more and more money into it.

I'm a huge fan of the NHS as a concept but the wastefulness and inefficiency is staggering.
 

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