National Insurance number

[Bluebirdjones]

Well, definately not your "humour"... and yes, I'm aware of your posts, your "history", which makes the comment you made even more onerous, and pathetic.

Like many on here, I've also supported my wife to the best of my ability, putting my interests second to hers, and also proud of her achievements.... so please do not make yourself out to be some sort of martyr. We've all made sacrifices in our own particular way.

This thread was about pensions, and voluntary NI contributions.
I merely stated that there were other options available, and that these should be explored.

.. you, in your wisdom, decided that the Government pension was the be-all and end-all.
WRONG !
From www.sharingpensions.co.uk/statepen.htm
"Since the introduction of the state basic pension the value of this benefit has reduced in real terms and will continue to do so in the future as annual increases are not keeping up with the growth in earnings or even the retail price index (RPI). To supplement the basic pension the government introduced the state earnings related pension scheme (SERPS) as an additional pension, this being replaced by the state second pension (S2P).

With SERPS it was in most individuals interest to opt for contracting out and direct the money to private pensions."

Your "advice" was both mis-informed and incorrect.

Live with it ... and lets move on.

[darren-b]

Well, definately not your "humour"... and yes, I'm aware of your posts, your "history", which makes the comment you made even more onerous, and pathetic.

Like many on here, I've also supported my wife to the best of my ability, putting my interests second to hers, and also proud of her achievements.... so please do not make yourself out to be some sort of martyr. We've all made sacrifices in our own particular way.

This thread was about pensions, and voluntary NI contributions.
I merely stated that there were other options available, and that these should be explored.

.. you, in your wisdom, decided that the Government pension was the be-all and end-all.
WRONG !
From www.sharingpensions.co.uk/statepen.htm
"Since the introduction of the state basic pension the value of this benefit has reduced in real terms and will continue to do so in the future as annual increases are not keeping up with the growth in earnings or even the retail price index (RPI). To supplement the basic pension the government introduced the state earnings related pension scheme (SERPS) as an additional pension, this being replaced by the state second pension (S2P).

With SERPS it was in most individuals interest to opt for contracting out and direct the money to private pensions."

Your "advice" was both mis-informed and incorrect.

Live with it ... and lets move on.

State pensions went up by about 5% year, which is a lot more than most wages went up by....

In my opinion Joe's comments are spot on. For someone who isn't going to manage 30 years of full NIC due to not working, making up the missing years at a rate of ~£600 per year appears to be worthwhile both in terms of return and security of investment. Though obviously other sources of retirement income are required.

With recent events private pensions are not really be-all and end-all either. (Given the choice I would have opted out of my company pension scheme and invested in property.)

[jimeve]

State pensions went up by about 5% year, which is a lot more than most wages went up by....

In my opinion Joe's comments are spot on. For someone who isn't going to manage 30 years of full NIC due to not working, making up the missing years at a rate of ~£600 per year appears to be worthwhile both in terms of return and security of investment. Though obviously other sources of retirement income are required.

With recent events private pensions are not really be-all and end-all either. (Given the choice I would have opted out of my company pension scheme and invested in property.)

Spot on Darren-b, invest your money in bricks and mortar, okay they have come down in price last few years, but give it time, long term investment.
got two houses one here and one in Phils, goner buy another one in England

oh and i don't have pvt pension, they for loosers