Chongalulu

Another post based on ignorance. Your occupational pension fund should you die before claiming it will be paid in full to your nominated beneficiary (usually wife) and tax free. Even if you die while receiving it often 50% of your normal payments will go to your spouse until her demise under most schemes. The state pension which is entirely separate if you die before retirement age will simply not be paid under current rules. There may separately be widows benefits but your pension is exclusive to you. The real issue is that many more people are living considerably longer than when the actuarial tables were drawn up ,hence the increase in retirement ages. But generally not enough was paid in NI to cover the real costs.

Not quite - you have to have 35 years of NI contributions to get the full state pension (pro rata if you have less but subject to 10 years minimum). There have been discussions about it becoming means tested in face of the increasing burden of the state pension however. I think it will eventually come to that - not something I agreed with.

What makes you think pensions are under the remit of the UN? Yes it’s in my view unfair,but an internal fiscal U.K. matter.

No,it doesn’t work like that. You’d get the unfrozen amount for the time you were there then it’s refrozen when you leave at the rate it was originally frozen at. There’s no reset.

Last time a woman hit me it cost me £90 ...in Soho.. Madam Thrasharse’s spanking emporium..if you want a recommendation..?

You'll look good together sharing a prayer mat!

Never mind all that…how are the buffaloes holding up …?

No they haven't got a leg to stand on..

The American changed his mind at the last minute leaving the horse stood up at the altar . Hence the long face... 😢

Actually he received d the brown envelope sent to him excitedly opening it , rubbing his hands in delighted expectation 🤑. Inside were his nameplate and photo. He's still trying to rub the spittle off as we speak.. 🤢

Ah,the perils of making an @rse of yourself by failing to prove read. Wait for it, let's see who falls into the trap! 😜

"THESE are my payment!…now where’s my change? "

Is there a single comment on this thread that hasn’t largely been said already in interminable threads on Thai RTA ? 💤

You are of course correct about taxes which distort prices. Actually domestic U.K. wine is more expensive than say Australian. U.K. really doesn’t have the geography to efficiently produce wine to compete with the likes of Australia and southern Europe (I worked in the industry). It costs more per bottle to truck a container across Europe to U.K. than a shipping container on a ship from Australia to Southampton docks!

You don’t really understand the mathematics. If I charged you 5% p.a. on a loan of £100 you would pay nothing back until the end of the year when you would pay me £105 . That is true APR and how your bank pays interest on a savings account . If you started paying the loan back via monthly payments say over a year then clearly you haven’t had the benefit of borrowing £100 for a full year,thus you are paying a higher interest rate. If you need that explained in more detail I suggest you google it.