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Retirement

I'm Spartacus said:
Aye. Did my full 30 years, could have stayed on but it didn’t make financial sense. Not only would I be paying 500 quid a month into the shite new scheme I’d be working full time for 800 quid a month. May as well get another job and get paid twice.


Yes but they involve people who are working full time, camping, hiking gigs and stuff. Plus I know a few lads who were going to live on the golf course when they retired. They didn’t last 2 minutes before getting up everyday to do their hobby became a chore.
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Do you have any interest in travel? Get yourself away for a few months.

Mexico, Thailand etc. cheap as chips.
 

Mental realisation in the retired world of mr bus pass.

I thought it would be all filling my time in doing stuff on my own.

Yesterday after leaving me mates house after he invited me over for coffee and pastries

Anyway the penny dropped I’m mixing a lot more with ladds I have known for years, they’re retired as well its quite nice really didn’t expect to have a social circle like this cos I’m a bit of a loner.

Happy daze.
 
Vincemac said:
That’s good mate however the rents 600 month
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My inlaws are on basic state pension which is £460 a week for the 2 of them.
They pay rent of about £500 pcm.
And their position is that they're now better off than theyve ever been in their lives & now actually have some savings in the bank which they've previously never had
 
42 said:
My inlaws are on basic state pension which is £460 a week for the 2 of them.
They pay rent of about £500 pcm.
And their position is that they're now better off than theyve ever been in their lives & now actually have some savings in the bank which they've previously never had
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Good news mate
 
Edinburgh Black Cat said:
Do you have any interest in travel? Get yourself away for a few months.

Mexico, Thailand etc. cheap as chips.
Click to expand...
I would do if I was older and the kids had flown the nest, my youngest just started A levels so not really practical at the moment. I’m only 53 so not ready to pack in working yet. 4 months off has been more than enough plus I was really enjoying my last role. It pays well in the real world so after 30 years of shite take home pay I’ll be coining it in :lol:
 
I’m very conflicted about retirement
Place I work at is running out of wirk and feel I may be gone by xmas
Can’t be arsed to look for something else
Admittedly I quite enjoy work

However a number of friends have started to retire
Before they did it was all talk about it going to be great to meet up more regularly
Go for walks, Go to see more bands etc and holidays
Since they’ve retired albeit I’m still at work but still open to doing things
Since they’ve retired we never see them
Suggest things never hear back occasionally there’s some contact and “we need to organise something” is trotted out
It’s not just one couple it’s a few
Now I’m not one for paranoia but…
I have a feeling once retired it won’t be any different and is starting to concern me

Wife is same she technically retired a few years ago well before our group of friends
She never rubbed in the fact she didn’t have to work but respected other peoples work commitments
Again the females of the couples we know are now retiring and “ eeeee we need to organise more things” but she never hears from them
Do people once they retire become even more self centred and selfish
It’s not as though we didn’t all used to do things together a quiz night, a few drinks, a meal once in a while, meet up for a coffee or a walk, go to see a band now and again
Now nothing
I know it’s not as though the other couples are actually doing anything we know if either
Luckily me and wife do continue to do the things we thought we would continue to do with other couples
 
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Shandy drinker said:
I’m very conflicted about retirement
Place I work at is running out of wirk and feel I may be gone by xmas
Can’t be arsed to look for something else
Admittedly I quite enjoy work

However a number of friends have started to retire
Before they did it was all talk about it going to be great to meet up more regularly
Go for walks, Go to see more bands etc and holidays
Since they’ve retired albeit I’m still at work but still open to doing things
Since they’ve retired we never see them
Suggest things never hear back occasionally there’s some contact and “we need to organise something” is trotted out
It’s not just one couple it’s a few
Now I’m not one for paranoia but…
I have a feeling once retired it won’t be any different and is starting to concern me

Wife is same she technically retired a few years ago well before our group of friends
She never rubbed in the fact she didn’t have to work but respected other peoples work commitments
Again the females of the couples we know are now retiring and “ eeeee we need to organise more things” but she never hears from them
Do people once they retire become even more self centred and selfish
It’s not as though we didn’t all used to do things together a quiz night, a few drinks, a meal once in a while, meet up for a coffee or a walk, go to see a band now and again
Now nothing
I know it’s not as though the other couples are actually doing anything we know if either
Luckily me and wife do continue to do the things we thought we would continue to do with other couples
Click to expand...
You and your wife seem to still be happy, that's all that matters surely?
As for people becoming more self centred, definitely not, maybe get new friends
 
I'm Spartacus said:
I would do if I was older and the kids had flown the nest, my youngest just started A levels so not really practical at the moment. I’m only 53 so not ready to pack in working yet. 4 months off has been more than enough plus I was really enjoying my last role. It pays well in the real world so after 30 years of shite take home pay I’ll be coining it in :lol:
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Think it’s tricky when your kids are still in education
My mate just retired from the Fire also , in fact two have , one of them is running online courses related to fire risks , part time , seems happy with that balance of getting his pension and a part time role
 
Fletch said:
Think it’s tricky when your kids are still in education
My mate just retired from the Fire also , in fact two have , one of them is running online courses related to fire risks , part time , seems happy with that balance of getting his pension and a part time role
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I can’t wait to get back to work, starting my new job in November. It’s over the dark side like but I know a few that work there and they’re sound for skunks :lol: I’ll do full time for a bit and maybe drop to part time when the daughter finishes uni.
 
JAZZMANB said:
This spell in Greece (25 days ) is the longest I've been out of the UK ever . Enjoying it so far
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That's what I'm looking forward to the most - open-ended travel with no work to get back to. I think the longest I've ever done is 15 or 16 days. Just hope the 90 day Schengen rule is gone soon.

I don't think I would ever retire abroad (besides, there is a lot in the UK left to do) but I could easily do 3-6 months of slow travel every year.
 
Darlo1973 said:
That's what I'm looking forward to the most - open-ended travel with no work to get back to. I think the longest I've ever done is 15 or 16 days. Just hope the 90 day Schengen rule is gone soon.

I don't think I would ever retire abroad (besides, there is a lot in the UK left to do) but I could easily do 3-6 months of slow travel every year.
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My mate was here a month before I landed . 1 working mate came out gone home. Another lands Monday. The other nice feeling is returning home and not going to work
 
Shandy drinker said:
I’m very conflicted about retirement
Place I work at is running out of wirk and feel I may be gone by xmas
Can’t be arsed to look for something else
Admittedly I quite enjoy work

However a number of friends have started to retire
Before they did it was all talk about it going to be great to meet up more regularly
Go for walks, Go to see more bands etc and holidays
Since they’ve retired albeit I’m still at work but still open to doing things
Since they’ve retired we never see them
Suggest things never hear back occasionally there’s some contact and “we need to organise something” is trotted out
It’s not just one couple it’s a few
Now I’m not one for paranoia but…
I have a feeling once retired it won’t be any different and is starting to concern me

Wife is same she technically retired a few years ago well before our group of friends
She never rubbed in the fact she didn’t have to work but respected other peoples work commitments
Again the females of the couples we know are now retiring and “ eeeee we need to organise more things” but she never hears from them
Do people once they retire become even more self centred and selfish
It’s not as though we didn’t all used to do things together a quiz night, a few drinks, a meal once in a while, meet up for a coffee or a walk, go to see a band now and again
Now nothing
I know it’s not as though the other couples are actually doing anything we know if either
Luckily me and wife do continue to do the things we thought we would continue to do with other couples
Click to expand...
Or is it that nobody is willing to be the one who does stand up and organise something?

So many of the social groups I'm in are the same. We all agree we should do something but not many people say "right, a week on Saturday, who is in?" or give people an option of 5 possible days. And there is making that hard choice, always someone will not be able to make it, arrange without them and say sorry, we will do something again soon.

If you want these things to happen, make them happen. Don't just sit and hope someone else will.
 
Shandy drinker said:
I’m very conflicted about retirement
Place I work at is running out of wirk and feel I may be gone by xmas
Can’t be arsed to look for something else
Admittedly I quite enjoy work

However a number of friends have started to retire
Before they did it was all talk about it going to be great to meet up more regularly
Go for walks, Go to see more bands etc and holidays
Since they’ve retired albeit I’m still at work but still open to doing things
Since they’ve retired we never see them
Suggest things never hear back occasionally there’s some contact and “we need to organise something” is trotted out
It’s not just one couple it’s a few
Now I’m not one for paranoia but…
I have a feeling once retired it won’t be any different and is starting to concern me

Wife is same she technically retired a few years ago well before our group of friends
She never rubbed in the fact she didn’t have to work but respected other peoples work commitments
Again the females of the couples we know are now retiring and “ eeeee we need to organise more things” but she never hears from them
Do people once they retire become even more self centred and selfish
It’s not as though we didn’t all used to do things together a quiz night, a few drinks, a meal once in a while, meet up for a coffee or a walk, go to see a band now and again
Now nothing
I know it’s not as though the other couples are actually doing anything we know if either
Luckily me and wife do continue to do the things we thought we would continue to do with other couples
Click to expand...
I dont know the dynamic of ya group and won’t pretend to but what I do know is that I live alone and just packed in in may and I often get lads popping over for coffee just to get out of the house, I’d imagine when they are both in the house the women may be more dominant and the bloke just goes along with stuff.

I see it can be hard when two people are in the house all the time together.

As long as you are doing stuff surely that’s a big positive and a great place to start what ya do will only increase the more time you’ve got on ya hands.

I’m mixing more with people than I ever thought I would.

If anyone asked I’d say to do it try it and don’t worry about it you’ll be fine. If there’s an option of doing summit on ya own or not doing it it’s no real option.
 
DaveH said:
Or is it that nobody is willing to be the one who does stand up and organise something?

So many of the social groups I'm in are the same. We all agree we should do something but not many people say "right, a week on Saturday, who is in?" or give people an option of 5 possible days. And there is making that hard choice, always someone will not be able to make it, arrange without them and say sorry, we will do something again soon.

If you want these things to happen, make them happen. Don't just sit and hope someone else will.
Click to expand...
Myself and my main mate decide a date when we are both free then open up the invite otherwise it was a apin as it was always someones kids / wife / mams birthday so never could find a date, took us about 10 years to work out this system
 
Has anyone looked into buying a pension annuity recently and taken advice? I’m wondering what the forecast is for annuity rates going forward? Thank you.
 
Fact Hunt said:
Has anyone looked into buying a pension annuity recently and taken advice? I’m wondering what the forecast is for annuity rates going forward? Thank you.
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I was advised to take the drawdown route and switch to annuity at a later date recently, it maybe personal to my pensions?
I did read this article below recently however.

Annuity rates are currently at decade-high levels, but future forecasts suggest they may decrease as the
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is expected to cut base interest rates to stimulate economic growth. Annuity rates are closely tied to the yield on
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(government bonds), and while they have seen significant increases recently due to higher yields, this trend could reverse if interest rate cuts lead to lower gilt yields. Therefore, while rates remain high, a short-term fall is possible, though a return to the very low levels of recent years is unlikely.
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