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Poverty Stricken Pensions On The News

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Old lady just saying how she spends her £112 a week. £35 on food. etc etc

Well the bloke doing the report said pensions shouldn't live on less than 5000 quid a year - and the numbers indicated in this survey must mena many of them have savings and so don't get top up cash.

This I think is a problem that pensioners have to grasp. They have to spend the money they've been saving for a rainy day - that day has arrived.

And if they run out of savings they can sell their big house and move to something smaller.

Any builders specialising in retirement villages? Last Rung? ;-)

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Old lady just saying how she spends her £112 a week. £35 on food. etc etc

Well the bloke doing the report said pensions shouldn't live on less than 5000 quid a year - and the numbers indicated in this survey must mena many of them have savings and so don't get top up cash.

This I think is a problem that pensioners have to grasp. They have to spend the money they've been saving for a rainy day - that day has arrived.

And if they run out of savings they can sell their big house and move to something smaller.

Any builders specialising in retirement villages? Last Rung? ;-)

I don't understand why you are bitter towards pensioners. They aren't the ones who are ripping you off.

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I don't understand why you are bitter towards pensioners. They aren't the ones who are ripping you off.

Because the younger generation are being forced to pay for the pensioners' 'free stuff' and will never get the same 'free stuff' themselves? Because the old farts are devastating the country in their quest for a 'quiet retirement', pricing the young people who are supposed to slave away to pay for that 'free stuff' out of the housing market and turning large parts of the UK into one big retirement home where there's nothing for young people at all?

The town where I grew up used to be a decent place to live, if poor by the standards of the south-east. Today it's covered with retirement flats, houses are unaffordable to anyone there earning anything like the average wage for the area, and the old fart nimbies support pretty much any plan to destroy whatever life is left there so they can potter around and spend all that 'free money' they've gained from house price inflation.

Most of the old farts have spent most of their life voting themselves 'free stuff' when they retire. And their kids and grandkids are being enslaved to pay for it.

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Old lady just saying how she spends her £112 a week. £35 on food. etc etc

Well the bloke doing the report said pensions shouldn't live on less than 5000 quid a year - and the numbers indicated in this survey must mena many of them have savings and so don't get top up cash.

This I think is a problem that pensioners have to grasp. They have to spend the money they've been saving for a rainy day - that day has arrived.

And if they run out of savings they can sell their big house and move to something smaller.

Any builders specialising in retirement villages? Last Rung? ;-)

lastrung.com....hmmmmm....damn, why didn't I think of that? :blink: Forget these pesky FTBs, they've got no dosh, silver surfing is where it's at. :lol: Think of the ad. revenue from co-op funeral services.... :unsure:

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lastrung.com....hmmmmm....damn, why didn't I think of that? :blink: Forget these pesky FTBs, they've got no dosh, silver surfing is where it's at. :lol: Think of the ad. revenue from co-op funeral services.... :unsure:

I'd thought about it as a company name ages ago but its too spoof imo. ;-)

Could be wickedly funny though

Last Rung Properties - for all your OAP needs

- fully washable floors

- stair lifts built in ready,

- Automatic curtain twitching devices

- surveilance equipment to allow you to spy on the neighbours even when you're not there

- audio measuring devices so you can tell them exactly how noisy they've been

Edited by SarahBell

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lastrung.com....hmmmmm....damn, why didn't I think of that? :blink: Think of the ad. revenue from co-op funeral services.... :unsure:

:lol:

They could change their name to "Next"

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I wonder what the winter fuel allowance for pensioners will be this year - no mention in the Budget of the £200 they got last year, but with the phenomenal rises in prices, I can't see the Government getting away with not handing out some free cash this year.

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Because the younger generation are being forced to pay for the pensioners' 'free stuff' and will never get the same 'free stuff' themselves? Because the old farts are devastating the country in their quest for a 'quiet retirement', pricing the young people who are supposed to slave away to pay for that 'free stuff' out of the housing market and turning large parts of the UK into one big retirement home where there's nothing for young people at all?

The town where I grew up used to be a decent place to live, if poor by the standards of the south-east. Today it's covered with retirement flats, houses are unaffordable to anyone there earning anything like the average wage for the area, and the old fart nimbies support pretty much any plan to destroy whatever life is left there so they can potter around and spend all that 'free money' they've gained from house price inflation.

Most of the old farts have spent most of their life voting themselves 'free stuff' when they retire. And their kids and grandkids are being enslaved to pay for it.

Well put.

I'm staying in Bampton, Devon at the moment with my nan. It's where I grew up. The houses on my nans road are all worth £400K+ and are all owned by retirees from other parts of the country. The locals in this small town have been completely priced out. There is a small field at the entrance to the road that planning was requested for including some 'affordable' homes. The retirees were up in arms at the prospect of any building at all, let alone some ghastly 'affordable' housing. In truth it isn't affordable at all, it's just it isn't £400K property like theirs.

The boomers have absolutely no consideration of the plight of young people today.

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Because the younger generation are being forced to pay for the pensioners' 'free stuff' and will never get the same 'free stuff' themselves? Because the old farts are devastating the country in their quest for a 'quiet retirement', pricing the young people who are supposed to slave away to pay for that 'free stuff' out of the housing market and turning large parts of the UK into one big retirement home where there's nothing for young people at all?

The town where I grew up used to be a decent place to live, if poor by the standards of the south-east. Today it's covered with retirement flats, houses are unaffordable to anyone there earning anything like the average wage for the area, and the old fart nimbies support pretty much any plan to destroy whatever life is left there so they can potter around and spend all that 'free money' they've gained from house price inflation.

Most of the old farts have spent most of their life voting themselves 'free stuff' when they retire. And their kids and grandkids are being enslaved to pay for it.

Perhaps this is part of the problem but it seems to me that there is more than one single cause. This is what makes it so hard to have a focussed political agenda to take to the rest of the world.

My town used to be an old people town but has fast become a town of young couples and property speculators. My personal bitterness is towards BTLs and the property speculators. Many of these people are people in their 30s, 40s and 50s. Old age pensioners just don't play a part in this, even if they do have nice houses. Pensioners have their own problems and fights with the British government. You will all one day be old and I doubt that life is easy for many old people.

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Because the younger generation are being forced to pay for the pensioners' 'free stuff' and will never get the same 'free stuff' themselves? Because the old farts are devastating the country in their quest for a 'quiet retirement', pricing the young people who are supposed to slave away to pay for that 'free stuff' out of the housing market and turning large parts of the UK into one big retirement home where there's nothing for young people at all?

The town where I grew up used to be a decent place to live, if poor by the standards of the south-east. Today it's covered with retirement flats, houses are unaffordable to anyone there earning anything like the average wage for the area, and the old fart nimbies support pretty much any plan to destroy whatever life is left there so they can potter around and spend all that 'free money' they've gained from house price inflation.

Most of the old farts have spent most of their life voting themselves 'free stuff' when they retire. And their kids and grandkids are being enslaved to pay for it.

Not all old people are well off & those that are aren't always by design as neither are those that are not.

Some can manage well, some cannot.

Some students can manage well, some cannot.

Some working couples can manage well, some cannot.

The whole idea of a welfare system is that those who can manage well pay a little extra for those that cannot. If we do not have this then we must return to a two tier society like so many countries presently have where there is a very rich few alongside a great many impoverished. This must be deemed unacceptable.

The laws of unforeseen circumstances are at large here & nobody could have predicted so many pensioners having longer life expectancy. Tough break but there it is.

This old fart generation were expected to pay all their working lives into a pension scheme that they were not supposed to enjoy but should have died prior to retiring or very soon after, the surplus money being used to fund government spending such as schools, roads, hospitals, welfare system etc. all which have been enjoyed by the priveledged younger generation.

The fact that their life expectancy has improved dramatically should be a cause for celebration by the younger generation but instead they just become bitter towards the efforts of the few elderly who will survive longer than planned.

Stop bloody moaning about it & start making provision towards your own retirement, at least you are probably going to have a retirement period where your forebearers were paying into a scheme resigned to the fact they were probably never going to enjoy any benefits.

Kids eh!!

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Old lady just saying how she spends her £112 a week. £35 on food. etc etc

Struggling on £112pw? After rent, council tax and utility bills etc, I'm left with £120pw despite earning a reasonable wage at the ripe old age of 27. :angry:

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Because the younger generation are being forced to pay for the pensioners' 'free stuff' and will never get the same 'free stuff' themselves? Because the old farts are devastating the country in their quest for a 'quiet retirement', pricing the young people who are supposed to slave away to pay for that 'free stuff' out of the housing market and turning large parts of the UK into one big retirement home where there's nothing for young people at all?

The town where I grew up used to be a decent place to live, if poor by the standards of the south-east. Today it's covered with retirement flats, houses are unaffordable to anyone there earning anything like the average wage for the area, and the old fart nimbies support pretty much any plan to destroy whatever life is left there so they can potter around and spend all that 'free money' they've gained from house price inflation.

Most of the old farts have spent most of their life voting themselves 'free stuff' when they retire. And their kids and grandkids are being enslaved to pay for it.

Hear hear. When was the last time you last saw a pensioner in an OLD car. I mouth the words "Shame on you" to old people in new cars!. Go and mow someone young's lawn you selfish get. "Oh but I worked for 8 long years before I got my pension! At one point my wife had to get a JOB!"

Grrrrrr.

How about a campaign to force them to work for their pensions? Community service-style? They're lazy beggars. Wouldn't happen.

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Stop bloody moaning about it & start making provision towards your own retirement

It would be a heck of a lot easier to 'make provisions towards my own retirement' if the government didn't steal so much money from me to pay for 'free' pensions and healthcare for today's old farts, and if those same old farts didn't expect me to pay 250,000 pounds for a house that would have cost 80,000 five years ago. 50% of my income goes to the government in one tax or another, nearly a further third would go to paying a 250k mortgage... how the hell do you expect me to save for a pension?

The old farts are sucking the life out of the younger generations, and then you have the audacity to complain that we're 'moaning' about it? Next you'll be complaining because we've all emigrated and those Eastern European immigrants you've shipped over to provide cheap old fart care have no desire to be enslaved to pay their pensions.

These people are utterly destroying this country with absolutely no care about what happens to it after they're gone. Damn right I'm going to complain about that.

Edited by MarkG

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It would be a heck of a lot easier to 'make provisions towards my own retirement' if the government didn't steal so much money from me to pay for 'free' pensions and healthcare for today's old farts, and if those same old farts didn't expect me to pay 250,000 pounds for a house that would have cost 80,000 five years ago. 50% of my income goes to the government in one tax or another, nearly a further third would go to paying a 250k mortgage... how the hell do you expect me to save for a pension?

The old farts are sucking the life out of the younger generations, and then you have the audacity to complain that we're 'moaning' about it? Next you'll be complaining because we've all emigrated and those Eastern European immigrants you've shipped over to provide cheap old fart care have no desire to be enslaved to pay their pensions.

These people are utterly destroying this country with absolutely no care about what happens to it after they're gone. Damn right I'm going to complain about that.

Such petulance, d'you think that all the pensioners never got taxed ever? or saw any savings they had get eroded away by inflation?

The old farts are doing nothing more than you are in making sure that number one is catered for & continually bitching that they are hard done by. The main difference between you & them is that you will probably have longer to bitch about it than they have.

Of course the youth of today have done nothing to destroy the country by allowing themselves to get so far into debt that they will never be able to repay it & let somebody else pick up the bill eh?

Or stopping at school gaining meaningless dumbed down qualifications wearing short pants & getting pocket money till they are 25 because it is easier than getting a job. If it weren't for these wasters there would be no need for immigrant labour.

Sweeping generalisations are a minefield ain't they?

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These anti-old sentiments are some of the daftest I've seen here - these people you're so keen to vilify didn't create the housing situation in which they find themselves, they're mostly trying to do their best for themselves, same as anyone else; if you MUST find someone to blame, try the legislators/money men who've made credit so cheaply & freely available that it's fuelled this house-price bubble - many of the comments here are both absurd & shameful

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These anti-old sentiments are some of the daftest I've seen here - these people you're so keen to vilify didn't create the housing situation in which they find themselves, they're mostly trying to do their best for themselves, same as anyone else; if you MUST find someone to blame, try the legislators/money men who've made credit so cheaply & freely available that it's fuelled this house-price bubble - many of the comments here are both absurd & shameful

Fullyagree.Not met a pensioner yet who ``conspired`` in hpc.In fact there are many poor pensioners in the U.K.I think the figures show that the average works/private pension pot is around £30k.Although I have not yet retired,I am a lot older than most of the posters here and I hate hpc.Some of the comments on this thread are downright insulting to many older folk who are very concerned about younger folks.As Clouseau says,use your intelligence,blame the money men who are behind this ridiculous state of affairs!

Edited by pobby

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Freedom is taken not given. They may not have 'conspired' actively but they passively grab the benefits and keep quiet about it. There are only about twenty REAL pensioners left (the ones who fought in the war) - the others (grew up in the fifties) are basking in their reflected glory and are hollow, selfish gets.

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Freedom is taken not given. They may not have 'conspired' actively but they passively grab the benefits and keep quiet about it. There are only about twenty REAL pensioners left (the ones who fought in the war) - the others (grew up in the fifties) are basking in their reflected glory and are hollow, selfish gets.

What a dumb statement.

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: -- "we're victims!" sob sob sniffle sniffle usual boomer "why me" spin -- :

Old age poverty is life's way of telling you :-

* you let birth rates fall below replacement

* you failed to invest in anything that was real

* the economy shrank on your watch as a result

* you've already exhausted the next generation's capacity to service your current and future liabilities

Boo hoo. Your parents were right. And expect more of the same as we inflate and devalue our way out of your mess.

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As the young are supposed to be working nearer to death to pay their way then maybe current pensioners who have not saved for their own retirement could do likewise.

Or is that too simplisitc an argument?

Edited by OnlyMe

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As the young are supposed to be working nearer to death to pay their way then maybe current pensioners who have not saved for their own retirement could do likewise.

Or is that too simplisitc an argument?

I personally think that the article below offers a very apt insight into the current situation. TF

Property buzz may yet have nasty sting in tail 22/02/2006

Irish Independent

Property booms do not so much create wealth as redistribute it. In the past few years, the great Irish housing frenzy has done more to reallocate wealth in this country than any government initiative on tax and social welfare since the foundation of the State.

The transfer has been monumental. Arguably, we have to go back to Lenin's persecution of the Kulaks to see one section of the population forced into giving so much of its wealth to another.

The major difference in Ireland is that the redistribution of wealth via property has made the old richer and, more depressingly, the young poorer.

It has created a drone class of the over-45s - Ireland's accidental millionaires - who have seen their wealth increase enormously as their houses have soared in value. These drones are financed and indulged by a worker-bee class of the under-35s who are first-time buyers and renters.

For every four first-time buyers who are fretting in the traffic, working long hours, pinned to their collars by mortgage payments and creche fees and being bullied to part with money they don't have by the threat of "mandatory" pensions, there is a healthy 50-something couple drinking vino verde on the Algarve, sun at their back and not a care in the world.

In financial terms, Ireland is now sitting on a demographic faultline. Bubbling away underneath the tectonic surface is the overheated property market, stoked up by cheap credit, irrational expectations and the corrosive psychology of the property-ladder tyranny.

As the property mania reaches fever pitch, this rumbling instability - like its geological equivalent - naturally leads to political, financial and social tremors.

Like the citizens of San Francisco, we know our economic San Andreas fault-line is vulnerable, but all of us ignore the possibility that the next one could be the "Big One".

At the moment, there is an uneasy truce between the competing demographic of haves and have-nots but the problem for society is that, while an unforgiving meritocracy governs the lives of the worker-bee generation, the drones live in a pampered world based on equity releases and rental income.

This is not sustainable. Take, for example, a not-untypical middle-of-the-road office worker of the 1970s and 1980s. Although he now plays golf off seven, like the Monty Python sketch of old he reminds his office juniors how hard times were in the 1970s, how people had little money and few expectations.

He probably bought his house in 1975 for £10,000; it is now worth €1.3m . He has no debts, a well-financed pension, annual clean bills of health, a subsidised VHI Plan A scheme and an early retirement scheme that is just about to kick in.

With his enormous pile of equity, he took advice from an accountant mate and bought a couple of places off plans in the late 1990s. The (only recently declared) rental income nets him €3,000 a month, which more than covers his mortgage on the golf resort town house in Quinta da something. He is one of Ireland's accidental millionaires and he is not alone.

According to the census in 1990, there were just over one million private households in the country. For these people, as prices have risen, the most telling indicator of wealth is not brains, hard work or entrepreneurial ability but the year they were born. Those 1990s households born in the late 1940s, 1950s and early 1960s are on the right side of the demographic faultline and are likely to be sitting on enormous property wealth.

Those worker bees, born in the late 1970s and 1980s - the productive core of the economy - are now the ones paying exorbitant house prices via 35-year 100pc mortgages or they are renting. A major determinant of whether you are a drone or a worker-bee is the date you were born.

So the main redistributive mechanism in our economy works like a demographic lottery which is heavily weighted against the young. It is, of course, natural that the 50s generation will be the ones in power, but because of our population structure, they are much less representative of the general population than they would be, for instance, in Britain, where they constitute 27pc of the population, or in France and Germany, where they're over 30pc.

Here, those in their 50s only represent 11pc of the population and yet they are being enriched constantly every time house prices rise. Each notch upwards in house prices adds to the wealth of the drone class and the worker bees' debts. We live in a society where the young work to excess to make the middle-aged rich via house prices.

The big banks tell me that house prices are going to rise by 10pc this year. Quite apart from being a grotesque scam which lines the Government's pockets, enriches developers and drives up the share price of our money-lending banks, it is sowing the seeds of a demographic civil war.

Every 10pc rise in the price of houses is equivalent to a 10pc tax hike for the young who are trying to get into the housing market.

Another way to look at it is that every 10pc increase in the price of houses adds an extra 10 miles of commuting on to the day of the next batch of the dormitory-town-dwelling tribe. In contrast, the same 10pc price hike adds 10pc to the wealth of the drone generation and 10 more days in the Algarve.

What does this mean for politics? Well, if the outcome of government policy has been to enrich one section of the population at the expense of another, it isn't surprising that the hardest working sector of society opts out politically. By stoking up the property market at the behest of its paymaster - the construction sector - this government has engineered the progressive indebtedness of our under 30s and the relentless enrichment of our over 50s.

In the last election, the worker bees did not turn up. They see what is happening and are profoundly cynical about national politics. They couldn't be bothered.

So a bachelor farmer from Achill or a 50-something from Sandycove, Foxrock, Terenure or Clontarf is twice as likely to vote as a suburban, double-income worker-bee family with kids.

In fact, the two areas of Ireland where the under-35 worker bees are present - the new suburbs and the inner cities - vote least. This opting-out trend contrasts with the rest of Europe where voting patterns follow education.

In Ireland, it's when you were born, rather than letters after your name, that's much more likely to determine whether you vote or not.

This is because the older you are the larger your stake in society and the more the present status quo suits you.

So the worker bees who toil hardest, commute longest, pay most taxes, have the biggest mortgages, have children, pay exorbitant creche fees and keep the profits of multinationals operating in Ireland sky-high, participate least in politics. But they won't remain docile forever.

This vacuum is potentially explosive because, when you live on a faultline, the potential for eruption is never far below the surface.

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As the young are supposed to be working nearer to death to pay their way then maybe current pensioners who have not saved for their own retirement could do likewise.

Or is that too simplisitc an argument?

It's not simplistic, it's buffoonery.

The current generation of pensioners have to a certain extent had their pensions subsidised by those that paid into the pension pot but never collected due to early demise.

The majority of this generation left full time education for work at aged 15 & retired at 65 at average working week of 48 hours giving 50 years of PAYE.

A huge chunk of the present youth are in full time education till age 23 or above depending on how many 'gap years' they have taken.

Obviously they are all prepared to retire after 50 years working a poncey 36 hours per week of paying taxes as have the current pensioners.

Yeah right!!!

Why not give a level playing field & disallow retirement till a life time quota of working hours have been achieved.

Typical youth, want all of the benefits afforded them by previous generation with none of the drawbacks.

You probably do not realise that benefits such as holidays, maternity leave, paternity leave, bereavement leave, sickness benefit were non existent for most of the current generation of pensioners & were only won at their expense.

As for saving for retirement, 'hard up' today means not having the latest phone or having no foreign holiday this year, for a lot of the pensioners in their day 'hard up' meant not being able to eat & freezing in winter.

Such a shame that history is no longer taught at schools nowadays.

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Warwickbloke

It's not simplistic, it's buffoonery.

Let's see....

The current generation of pensioners have to a certain extent had their pensions subsidised by those that paid into the pension pot but never collected due to early demise.

Well that will be more so for future generations then.

The majority of this generation left full time education for work at aged 15 & retired at 65 at average working week of 48 hours giving 50 years of PAYE.

Depends which generation you are talking about - there is certainly a large discrepancy between recently retired and long term retired. Even with longer working lives those that were able to get straight onto an apprenticeship scheme at 15, have a career were arguably in a better situation thatn many now who need to fund their own education to gain a degree only to get a poxy degree that will only get themselves an equivalent admin job that in the past would have required only a fraction of the formal qualifications previously.

A huge chunk of the present youth are in full time education till age 23 or above depending on how many 'gap years' they have taken.

They are also paying for it.

Obviously they are all prepared to retire after 50 years working a poncey 36 hours per week of paying taxes as have the current pensioners.

Yeah right!!!

Some jobs are a like that many are nothing like it, many come with unwritten expectations of many hours unpaid overtime that goes with the territory, when you take commuting into account there's another chunk to add on.

Why not give a level playing field & disallow retirement till a life time quota of working hours have been achieved.

Sounds reasonable

Typical youth, want all of the benefits afforded them by previous generation with none of the drawbacks.

Often said, I don't believe it is true, for many none of the benefits are available and all of the drwabacks are very apparent.

You probably do not realise that benefits such as holidays, maternity leave, paternity leave, bereavement leave, sickness benefit were non existent for most of the current generation of pensioners & were only won at their expense.

Mention that list to those that are self-employed/temporary working/contract and they will laugh. Take anything like maximum entitlement in the private sector for many of those benefits and see what happens to your career.

As for saving for retirement, 'hard up' today means not having the latest phone or having no foreign holiday this year, for a lot of the pensioners in their day 'hard up' meant not being able to eat & freezing in winter.

Yes it most certainly did for many in older generations. It will return again at this rate.

Such a shame that history is no longer taught at schools nowadays.

Won't need to be, it may well be repeated.

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It's not simplistic, it's buffoonery.

The current generation of pensioners have to a certain extent had their pensions subsidised by those that paid into the pension pot but never collected due to early demise.

The majority of this generation left full time education for work at aged 15 & retired at 65 at average working week of 48 hours giving 50 years of PAYE.

A huge chunk of the present youth are in full time education till age 23 or above depending on how many 'gap years' they have taken.

Obviously they are all prepared to retire after 50 years working a poncey 36 hours per week of paying taxes as have the current pensioners.

Yeah right!!!

Why not give a level playing field & disallow retirement till a life time quota of working hours have been achieved.

Typical youth, want all of the benefits afforded them by previous generation with none of the drawbacks.

You probably do not realise that benefits such as holidays, maternity leave, paternity leave, bereavement leave, sickness benefit were non existent for most of the current generation of pensioners & were only won at their expense.

As for saving for retirement, 'hard up' today means not having the latest phone or having no foreign holiday this year, for a lot of the pensioners in their day 'hard up' meant not being able to eat & freezing in winter.

Such a shame that history is no longer taught at schools nowadays.

Thanks warwickbloke.Wished I said it myself.

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  • 301 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?


      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%



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