What have you been doing today?

[JohnD]

If they're already in pension schemes, you ought to find out the current annual charge; and if they are "defined benefit" or "defined contributions."

Old Personal Pensions can have quite high charges, and it's now possible to get schemes that charge less, so you keep more.

The Transfer Value of a Defined Benefit pension increases when interest rates drop (e.g. if it promises to pay you £5,000 a year, it needs more money when interest rates are 1% than when they are 5%). Defined Benefit schemes often have derisory growth once you leave the company.

If you like to manage your own affairs, you can get a low-cost SIPP with zero commission charges, zero upfront charges, and a low annual fee.

Transferring your old pensions into a different pension will not trigger a tax charge. Taking the money out and putting it into an ISA, will.

 

[Dangee]

But what have YOU been doing today John? What have you been up to? Sunday Lunch, walk in country, cleaned the shed?

 

[crystal ball]

I started drawing my Clarks pension last year, not a lot but pays some bills, one benefit which I had overlooked is a discount card which gives 33% off Clarks shoes either full price or factory outlet, probably worth more than the pension

 

[Mottie]

Been making the Sunday roast using my own grown spuds and carrots. I think I must have bought some special two-legged carrots!

Also, the trouble with growing your own eco-friendly organic vegetables is that sometimes they come with a lodger that you have to evict. I cut this little fella out of one of my spuds. I set him free of course - over next door’s garden.

 

[Brigadier]

Piddling about with Access, trying to make a database for me to use for work.

 

[Mottie]

Grrr! Whenever I make a roast chicken dinner, I invariably forget to make the stuffing. Not this time, I put it on the worktop to remind me. This time though, I’ve just cut the bag that the ready to cook chicken was in for the last 10 minutes to brown it off, only to find it’s pre-stuffed too. Oh well, double stuffing I suppose.

 

[durhamplumber]

I live alone

Hence the name

 

[sodthisforfun]

Just back from taking the cat to the vet. Migraine inducing, full volume bengal cat screaming there and back in the car, then a cat who literally managed to climb a bit of the wall to try and find her way out of the vet's room. Couldn't get her back leg checked because she was so worked up (she's limping from time to time) but with both of us holding her down, did manage to get her boosters and an anti-inflam injected into her. Am all worked up and on edge myself now

 

[Mottie]

Just back from taking the cat to the vet. Migraine inducing, full volume bengal cat screaming there and back in the car

Lol. When we used to take our cat to the vet, she would howl all the way there but be as quiet as a mouse on the way back. Mrs Mottie had to use our sons goalkeeping gloves to get her out of the pet carrier, even though the top half of the box could be released from the bottom, the cat would still be in the top part with four legs spread out holding it self in there. Sometimes if she had to be examined, the vet had to chuck a towel over her and put her in a special cage that the sides closed in until she was squashed and then inject her through the cage. She was vicious but only when in the vets!

 

[ajstoneservices]

Picked up the ashes of our dog Daisy.

 

[sodthisforfun]

Picked up the ashes of our dog Daisy.

Oh man, that's hard. Sorry to hear it AJ.

 

[Brigadier]

Picked up the ashes of our dog Daisy.

Condolences.

 

[durhamplumber]

Picked up the ashes of our dog Daisy.

Very sad..sorry to hear that

 

[Mottie]

Heartbreaking. My sincere condolences.

 

[Mottie]

Picked up the ashes of our dog Daisy.

We only put our cats ashes in one of her favourite spots in the garden a couple of weeks ago. We lost her over 6 years ago! I feel for you.