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UK diy (uk.d-i-y) For the discussion of all topics related to diy (do-it-yourself) in the UK. All levels of experience and proficency are welcome to join in to ask questions or offer solutions. |
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#41
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NO more free TV licence from today
On 02/08/2020 13:34, Farmer Giles wrote:
On 02/08/2020 12:41, Dave Liquorice wrote: On Sun, 2 Aug 2020 11:41:14 +0100, Farmer Giles wrote: The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. Presumably a woman. State pension age for men has been 65 for a very long time. They shifted women from 60 to 65 between 2010 and 2018. No, it wasn't a woman. Pension Credit could be claimed by anyone over sixty who met certain criteria. I accept that it's different now. You don't have to claim NI credits (which is what you mean) if you are male and over aged 60. They are applied by DWP automatically. Pension credit is something different and has to be claimed by someone who doesn't get the full state pension for other reasons and has less than ?16K savings |
#42
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NO more free TV licence from today
On 02/08/2020 18:27, Andrew wrote:
On 02/08/2020 11:41, Farmer Giles wrote: On 02/08/2020 09:55, Dave Liquorice wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, ... What are "pension credits"? ... but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason. These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension. Now I am not. I was referring to Pension Credit as it was a few years back - and could definitely be claimed by someone over sixty. |
#43
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NO more free TV licence from today
On 02/08/2020 16:12, T i m wrote:
On Sun, 2 Aug 2020 14:40:14 +0100, "tim..." wrote: snip Where are they going to get a b/w TV that receives digital TV? dunno 7,000 per year manage it And how many get 'found out'? The irony being if they live on their own and don't have any TV watching visitors, *no one* would know if it was colour or b/w? Cheers, T i m Nearly all the alleged B&W TVs are in Northern Ireland. Odd that. |
#44
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NO more free TV licence from today
On 02/08/2020 13:49, T i m wrote:
On Sun, 2 Aug 2020 12:14:50 +0100, "tim..." wrote: snip I think the biggest insult is what I remember being only a tiny discount to 'viewers' (as that's the primary interface of 'TV' (compared with radio)) who were registered blind? OTOH there shouldn't be any problem with the blind getting by with a B&W TV Assuming you can get B&W TV's these days? I wonder if you could get a colour TV 'locked down' making it B&W only in a way that would satisfy the BBC (if tested)? Cheers, T i m Just use something like an old Humax HD FOX T2 connected to an amp and speakers and don't bother with a monitor. It has a channel display on the front so can be used without a monitor. |
#45
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NO more free TV licence from today
On 02/08/2020 18:41, Farmer Giles wrote:
On 02/08/2020 18:27, Andrew wrote: On 02/08/2020 11:41, Farmer Giles wrote: On 02/08/2020 09:55, Dave Liquorice wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, ... What are "pension credits"? ... but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason. These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension. Now I am not. I was referring to Pension Credit as it was a few years back - and could definitely be claimed by someone over sixty. But not a bloke !!. |
#46
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NO more free TV licence from today
On 02/08/2020 18:54, Andrew wrote:
On 02/08/2020 18:41, Farmer Giles wrote: On 02/08/2020 18:27, Andrew wrote: On 02/08/2020 11:41, Farmer Giles wrote: On 02/08/2020 09:55, Dave Liquorice wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, ... What are "pension credits"? ... but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason. These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension. Now I am not. I was referring to Pension Credit as it was a few years back - and could definitely be claimed by someone over sixty. But not a bloke !!. Yes, definitely. I helped a male relative claim it in 2008 - he was 62 at the time. He was awarded the Pension Credit guaranteed credit. It was a top-up benefit - he had some other income. |
#47
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NO more free TV licence from today
On 02/08/2020 16:09, T i m wrote:
On Sun, 2 Aug 2020 14:39:03 +0100, "tim..." wrote: snip We have some, no debts plus I'm living with an older woman. ;-) who gets a *single* pension? Someone living as a couple where only one is old enough to claim their state pension? snip anyone with an OAP pension and more than about 50K is going to find the calculation for PC says "no" And I'm pretty sure it's not that either. It's not what? anywhere near 50k pa. Who are the best people to go to for advice on such things, if there are such? Age concern, CAB find an online calculator OK, ta. But if "living with" means not married to, Nope, we are married (her idea and she paid for the certificate, surprisingly). ;-) then your partner's pension needs will be assessed on a single person basis Which is how I think it is now. (though perversely probably take into account your contributions to family costs) Which are nil. When I was working I was on a reasonable wage so was able to pay for this modest 3 bed cottage (and have no other loans or debts) when I was 40. And, making the same assumption as before, that this income is enough for the two of you to live on, You cut your cloth ... ;-) I can't see how the numbers will swing towards you being entitled to anything. Well, I never assumed they would, like I said, we have never claimed for anything, just got those things that most qualifying got (like winter fuel allowance). The MIG is pretty low. It is set at subsistence level Ok? Cheers, T i m I think you could get Pension Credit now - as a couple - if your partner/wife is over pension age. |
#48
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NO more free TV licence from today
On 02/08/2020 18:59, Farmer Giles wrote:
On 02/08/2020 18:54, Andrew wrote: On 02/08/2020 18:41, Farmer Giles wrote: On 02/08/2020 18:27, Andrew wrote: On 02/08/2020 11:41, Farmer Giles wrote: On 02/08/2020 09:55, Dave Liquorice wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, ... What are "pension credits"? ... but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason. These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension. Now I am not. I was referring to Pension Credit as it was a few years back - and could definitely be claimed by someone over sixty. But not a bloke !!. Yes, definitely. I helped a male relative claim it in 2008 - he was 62 at the time. He was awarded the Pension Credit guaranteed credit. It was a top-up benefit - he had some other income. https://www.housingcare.org/downloads/kbase/2106.pdf |
#49
Posted to uk.d-i-y
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NO more free TV licence from today
On 02/08/2020 18:52, Andrew wrote:
On 02/08/2020 13:49, T i m wrote: On Sun, 2 Aug 2020 12:14:50 +0100, "tim..." wrote: snip I think the biggest insult is what I remember being only a tiny discount to 'viewers' (as that's the primary interface of 'TV' (compared with radio)) who were registered blind? OTOH there shouldn't be any problem with the blind getting by with a B&W TV Assuming you can get B&W TV's these days? I wonder if you could get a colour TV 'locked down' making it B&W only in a way that would satisfy the BBC (if tested)? Just use something like an old Humax HD FOX T2 connected to an amp and speakers and don't bother with a monitor. It has a channel display on the front so can be used without a monitor. Probably still counts as colour in the same way that VCRs do, even if feeding a b/w set. -- Max Demian |
#50
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NO more free TV licence from today
On 02/08/2020 19:13, Farmer Giles wrote:
On 02/08/2020 18:59, Farmer Giles wrote: On 02/08/2020 18:54, Andrew wrote: On 02/08/2020 18:41, Farmer Giles wrote: On 02/08/2020 18:27, Andrew wrote: On 02/08/2020 11:41, Farmer Giles wrote: On 02/08/2020 09:55, Dave Liquorice wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, ... What are "pension credits"? ... but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason. These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension. Now I am not. I was referring to Pension Credit as it was a few years back - and could definitely be claimed by someone over sixty. But not a bloke !!. Yes, definitely. I helped a male relative claim it in 2008 - he was 62 at the time. He was awarded the Pension Credit guaranteed credit. It was a top-up benefit - he had some other income. https://www.housingcare.org/downloads/kbase/2106.pdf Very ambiguous. The only example for the guarantee credit is for a female who would have been getting her state pension anyway. It was never possible for a bloke to get his actual state pension before 65, so your relative must have been claiming some other benefits. The only examples of a male are already over 65 and in the section about savings credit which was only intended for the over 65's. Hopefully Universal Credit and the flat state pension will do away with documents like that. |
#51
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NO more free TV licence from today
On 02/08/2020 19:13, Farmer Giles wrote:
On 02/08/2020 18:59, Farmer Giles wrote: On 02/08/2020 18:54, Andrew wrote: On 02/08/2020 18:41, Farmer Giles wrote: On 02/08/2020 18:27, Andrew wrote: On 02/08/2020 11:41, Farmer Giles wrote: On 02/08/2020 09:55, Dave Liquorice wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, ... What are "pension credits"? ... but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason. These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension. Now I am not. I was referring to Pension Credit as it was a few years back - and could definitely be claimed by someone over sixty. But not a bloke !!. Yes, definitely. I helped a male relative claim it in 2008 - he was 62 at the time. He was awarded the Pension Credit guaranteed credit. It was a top-up benefit - he had some other income. https://www.housingcare.org/downloads/kbase/2106.pdf I just tried the online calculator at gov.uk and input this DOB 01/01/1958, so mimicking a 62-yo male, and got this response :- https://pensioncreditcalculator.dwp....on-outcome.php Pension Credit calculator You are not eligible for Pension Credit It's too early for you to apply for Pension Credit because you haven't reached Pension Credit age. You may become eligible on: 01 January 2024 However, your partner may be eligible to claim Pension Credit if they haven't already. They can use this calculator to see if they are eligible. Print your calculation ================================================== ==== Looks like they have noticed the ambiguity in its wording and made some changes. I wouldn't mind betting that it was only ever intended for females age 60 or over. Hmmm, I chose print calculation and see there is a Print to PDF option now. Something else I didn't know existed in Win 10 (or W7) |
#52
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NO more free TV licence from today
On 02/08/2020 20:17, Andrew wrote:
On 02/08/2020 19:13, Farmer Giles wrote: On 02/08/2020 18:59, Farmer Giles wrote: On 02/08/2020 18:54, Andrew wrote: On 02/08/2020 18:41, Farmer Giles wrote: On 02/08/2020 18:27, Andrew wrote: On 02/08/2020 11:41, Farmer Giles wrote: On 02/08/2020 09:55, Dave Liquorice wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, ... What are "pension credits"? ... but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason. These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension. Now I am not. I was referring to Pension Credit as it was a few years back - and could definitely be claimed by someone over sixty. But not a bloke !!. Yes, definitely. I helped a male relative claim it in 2008 - he was 62 at the time. He was awarded the Pension Credit guaranteed credit. It was a top-up benefit - he had some other income. https://www.housingcare.org/downloads/kbase/2106.pdf Very ambiguous. The only example for the guarantee credit is for a female who would have been getting her state pension anyway. It was never possible for a bloke to get his actual state pension before 65, so your relative must have been claiming some other benefits. We weren't talking about the state pension, but about Pension Credit - which my 'male' relative definitely got well before being 65. The only examples of a male are already over 65 and in the section about savings credit which was only intended for the over 65's. It says quite clearly (in 2006) that the 'guarantee credit' part of Pension Credit was payable to 'people' aged 60 and over. |
#53
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NO more free TV licence from today
On Sun, 2 Aug 2020 19:03:49 +0100, Farmer Giles
wrote: snip Well, I never assumed they would, like I said, we have never claimed for anything, just got those things that most qualifying got (like winter fuel allowance). The MIG is pretty low. It is set at subsistence level I think you could get Pension Credit now - as a couple - if your partner/wife is over pension age. Thanks. Is it something you do / start / check / online? Cheers, T i m |
#54
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NO more free TV licence from today
On Sun, 2 Aug 2020 18:51:07 +0100, Andrew
wrote: snip The irony being if they live on their own and don't have any TV watching visitors, *no one* would know if it was colour or b/w? Nearly all the alleged B&W TVs are in Northern Ireland. Odd that. Out of the range of the detector vans? ;-) Cheers, T i m |
#55
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NO more free TV licence from today
On 02/08/2020 21:28, T i m wrote:
On Sun, 2 Aug 2020 19:03:49 +0100, Farmer Giles wrote: snip Well, I never assumed they would, like I said, we have never claimed for anything, just got those things that most qualifying got (like winter fuel allowance). The MIG is pretty low. It is set at subsistence level I think you could get Pension Credit now - as a couple - if your partner/wife is over pension age. Thanks. Is it something you do / start / check / online? Cheers, T i m I've tried already. If you have not reached state pension age, computer says NO. See my post at 21:03, but try with your actual details. |
#56
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NO more free TV licence from today
On 02/08/2020 21:28, T i m wrote:
On Sun, 2 Aug 2020 19:03:49 +0100, Farmer Giles wrote: snip Well, I never assumed they would, like I said, we have never claimed for anything, just got those things that most qualifying got (like winter fuel allowance). The MIG is pretty low. It is set at subsistence level I think you could get Pension Credit now - as a couple - if your partner/wife is over pension age. Thanks. Is it something you do / start / check / online? Cheers, T i m I've had no dealings with any of this for many years, but it used to be the case that if a person was under pension age but their partner was over they would get Pension Credit at the rate for couples. Check with CAB. |
#57
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NO more free TV licence from today
On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles
wrote: On 01/08/2020 23:38, Custos Custodum wrote: On Sat, 01 Aug 2020 22:16:10 +0100, T i m wrote: On Sat, 1 Aug 2020 18:03:26 +0100, Andrew wrote: Anyone had the letter from TV LIcensing yet ?. BBC Moneybox says they will send out letters, so any emails, texts or phone calls will be from scammers. Some folks will fall for a scammer though. But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. Ah. I didn't know that. |
#58
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NO more free TV licence from today
On Sun, 2 Aug 2020 21:36:17 +0100, Andrew
wrote: On 02/08/2020 21:28, T i m wrote: On Sun, 2 Aug 2020 19:03:49 +0100, Farmer Giles wrote: snip Well, I never assumed they would, like I said, we have never claimed for anything, just got those things that most qualifying got (like winter fuel allowance). The MIG is pretty low. It is set at subsistence level I think you could get Pension Credit now - as a couple - if your partner/wife is over pension age. Thanks. Is it something you do / start / check / online? I've tried already. If you have not reached state pension age, computer says NO. See my post at 21:03, but try with your actual details. Yes, just did (thanks, both ways round), Bzzzzzzz. ;-( Cheers, T i m |
#59
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NO more free TV licence from today
On 02/08/2020 22:37, T i m wrote:
On Sun, 2 Aug 2020 21:36:17 +0100, Andrew wrote: On 02/08/2020 21:28, T i m wrote: On Sun, 2 Aug 2020 19:03:49 +0100, Farmer Giles wrote: snip Well, I never assumed they would, like I said, we have never claimed for anything, just got those things that most qualifying got (like winter fuel allowance). The MIG is pretty low. It is set at subsistence level I think you could get Pension Credit now - as a couple - if your partner/wife is over pension age. Thanks. Is it something you do / start / check / online? I've tried already. If you have not reached state pension age, computer says NO. See my post at 21:03, but try with your actual details. Yes, just did (thanks, both ways round), Bzzzzzzz. ;-( Cheers, T i m I looked it up, and it seems that the rules changed (again) last year. Now both partners have to be over pensionable age in order to claim. If your current status was the same prior to the 15th May last year, then you could try making a retrospective claim - although you're probably out of time for that. Again, it 'used' to be the case that once you were awarded Pension Credit you got it for five years even if your circumstances changed, so had you have claimed it last year you would still get it now. |
#60
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NO more free TV licence from today
On 2 Aug 2020 at 21:07:40 BST, "Farmer Giles" wrote:
On 02/08/2020 20:17, Andrew wrote: On 02/08/2020 19:13, Farmer Giles wrote: On 02/08/2020 18:59, Farmer Giles wrote: On 02/08/2020 18:54, Andrew wrote: On 02/08/2020 18:41, Farmer Giles wrote: On 02/08/2020 18:27, Andrew wrote: On 02/08/2020 11:41, Farmer Giles wrote: On 02/08/2020 09:55, Dave Liquorice wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, ... What are "pension credits"? ... but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason. These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension. Now I am not. I was referring to Pension Credit as it was a few years back - and could definitely be claimed by someone over sixty. But not a bloke !!. Yes, definitely. I helped a male relative claim it in 2008 - he was 62 at the time. He was awarded the Pension Credit guaranteed credit. It was a top-up benefit - he had some other income. https://www.housingcare.org/downloads/kbase/2106.pdf Very ambiguous. The only example for the guarantee credit is for a female who would have been getting her state pension anyway. It was never possible for a bloke to get his actual state pension before 65, so your relative must have been claiming some other benefits. We weren't talking about the state pension, but about Pension Credit - which my 'male' relative definitely got well before being 65. +1 - a friend retired early (62 about 6 years ago IIRC) because he became eligible for PC. In fact, it was his preferred option because he didn't want a job, and PC meant he was no longer required to look for work. That's how he explained it to me, anyway. -- Cheers, Rob |
#61
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NO more free TV licence from today
"T i m" wrote in message ... On Sun, 2 Aug 2020 14:39:03 +0100, "tim..." wrote: snip We have some, no debts plus I'm living with an older woman. ;-) who gets a *single* pension? Someone living as a couple where only one is old enough to claim their state pension? FTAOD, my previous question was to be interpreted as: "is that person old enough to receive their pension" I had not doubt that they were only entitled to a single person one if their partner is under pensionable age. I see that you have answered this point elsewhere snip anyone with an OAP pension and more than about 50K is going to find the calculation for PC says "no" And I'm pretty sure it's not that either. It's not what? anywhere near 50k pa. Who are the best people to go to for advice on such things, if there are such? Age concern, CAB find an online calculator OK, ta. But if "living with" means not married to, Nope, we are married (her idea and she paid for the certificate, surprisingly). ;-) Oh, OK. I wonder why you were so coy about it :-) then your partner's pension needs will be assessed on a single person basis Which is how I think it is now. (though perversely probably take into account your contributions to family costs) Which are nil. When I was working I was on a reasonable wage so was able to pay for this modest 3 bed cottage (and have no other loans or debts) when I was 40. I'm surprised that if you have no savings, and no job you don't sign on for "unemployment" benefits And, making the same assumption as before, that this income is enough for the two of you to live on, You cut your cloth ... ;-) But two people living on 7 grand a year must be tough I can't see how the numbers will swing towards you being entitled to anything. Well, I never assumed they would, like I said, we have never claimed for anything, just got those things that most qualifying got (like winter fuel allowance). being married changes things |
#62
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NO more free TV licence from today
"T i m" wrote in message ... On Sun, 2 Aug 2020 14:40:14 +0100, "tim..." wrote: snip Where are they going to get a b/w TV that receives digital TV? dunno 7,000 per year manage it And how many get 'found out'? presumably none of them there's few enough for them to check It's not like TV Licensing doesn't know here they live |
#63
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NO more free TV licence from today
"Farmer Giles" wrote in message ... On 02/08/2020 18:54, Andrew wrote: On 02/08/2020 18:41, Farmer Giles wrote: On 02/08/2020 18:27, Andrew wrote: On 02/08/2020 11:41, Farmer Giles wrote: On 02/08/2020 09:55, Dave Liquorice wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, ... What are "pension credits"? ... but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. The first eligibilty requirement for pension credit is to be over the state pension age. Which is some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason. These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension. Now I am not. I was referring to Pension Credit as it was a few years back - and could definitely be claimed by someone over sixty. But not a bloke !!. Yes, definitely. I helped a male relative claim it in 2008 - he was 62 so not a "few" years then Googleing has turn up the snipped that bus pass eligibly at 60 stopped in 2010 presumably rules for this benefit changed at the same time at the time. He was awarded the Pension Credit guaranteed credit. It was a top-up benefit - he had some other income. |
#64
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NO more free TV licence from today
"Andrew" wrote in message ... Hopefully Universal Credit and the flat state pension will do away with documents like that. the flat state pension will do nothing of the sort because millions will not qualify for the full rate |
#65
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NO more free TV licence from today
"Andrew" wrote in message ... On 02/08/2020 13:34, Farmer Giles wrote: On 02/08/2020 12:41, Dave Liquorice wrote: On Sun, 2 Aug 2020 11:41:14 +0100, Farmer Giles wrote: The first eligibilty requirement for pension credit is to be over the state pension age. Which is some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. Presumably a woman. State pension age for men has been 65 for a very long time. They shifted women from 60 to 65 between 2010 and 2018. No, it wasn't a woman. Pension Credit could be claimed by anyone over sixty who met certain criteria. I accept that it's different now. You don't have to claim NI credits (which is what you mean) if you are male and over aged 60. They are applied by DWP automatically. Oh no they're not |
#66
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NO more free TV licence from today
On 02/08/2020 18:51, Andrew wrote:
On 02/08/2020 16:12, T i m wrote: On Sun, 2 Aug 2020 14:40:14 +0100, "tim..." wrote: snip Where are they going to get a b/w TV that receives digital TV? dunno 7,000 per year manage it And how many get 'found out'? The irony being if they live on their own and don't have any TV watching visitors, *no one* would know if it was colour or b/w? Cheers, T i m Nearly all the alleged B&W TVs are in Northern Ireland. Odd that. that is because the irish are all crooks.... |
#67
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NO more free TV licence from today
On 02/08/2020 21:30, T i m wrote:
On Sun, 2 Aug 2020 18:51:07 +0100, Andrew wrote: snip The irony being if they live on their own and don't have any TV watching visitors, *no one* would know if it was colour or b/w? Nearly all the alleged B&W TVs are in Northern Ireland. Odd that. Out of the range of the detector vans? ;-) Cheers, T i m no such thing as a detector van .... |
#68
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NO more free TV licence from today
On 02/08/2020 13:49, T i m wrote:
On Sun, 2 Aug 2020 12:14:50 +0100, "tim..." wrote: snip I think the biggest insult is what I remember being only a tiny discount to 'viewers' (as that's the primary interface of 'TV' (compared with radio)) who were registered blind? OTOH there shouldn't be any problem with the blind getting by with a B&W TV Assuming you can get B&W TV's these days? I wonder if you could get a colour TV 'locked down' making it B&W only in a way that would satisfy the BBC (if tested)? Cheers, T i m black and white licences should have gone when tv went digital only...... |
#69
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NO more free TV licence from today
On 03/08/2020 08:16, tim... wrote:
"Farmer Giles" wrote in message ... On 02/08/2020 18:54, Andrew wrote: On 02/08/2020 18:41, Farmer Giles wrote: On 02/08/2020 18:27, Andrew wrote: On 02/08/2020 11:41, Farmer Giles wrote: On 02/08/2020 09:55, Dave Liquorice wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Don't pension credits stop when you reach pensionable age? (Assuming you haven't accumulated enough before then.) Pension credits do, ... What are "pension credits"? ... but Pension Credit is a top-up for those over 60 with no pension or otherwise on a low-income. That's what the poster meant. The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. You're thinking of the automatic NI credits that males over aged 60 get if they are not paying any NI, for any reason. These are convenient for someone who was contracted out for many years but not working after 60. The 5 years of NI credits cancel out 5 years of contracting out deductions so you get a slightly better state pension. Now I am not. I was referring to Pension Credit as it was a few years back - and could definitely be claimed by someone over sixty. But not a bloke !!. Yes, definitely. I helped a male relative claim it in 2008 - he was 62 so not a "few" years then That's a moot point. Googleing has turn up the snipped that bus pass eligibly at 60 stopped in 2010 presumably rules for this benefit changed at the same time I don't see why, but I'm not sure. Even if it did those under 65 would have continued to get it. |
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NO more free TV licence from today
In article ,
Jim GM4DHJ ... wrote: On 02/08/2020 21:30, T i m wrote: On Sun, 2 Aug 2020 18:51:07 +0100, Andrew wrote: snip The irony being if they live on their own and don't have any TV watching visitors, *no one* would know if it was colour or b/w? Nearly all the alleged B&W TVs are in Northern Ireland. Odd that. Out of the range of the detector vans? ;-) Cheers, T i m no such thing as a detector van .... there isn't these days. There were some in the past -- from KT24 in Surrey, England "I'd rather die of exhaustion than die of boredom" Thomas Carlyle |
#71
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NO more free TV licence from today
On 03/08/2020 10:01, charles wrote:
In article , Jim GM4DHJ ... wrote: On 02/08/2020 21:30, T i m wrote: On Sun, 2 Aug 2020 18:51:07 +0100, Andrew wrote: snip The irony being if they live on their own and don't have any TV watching visitors, *no one* would know if it was colour or b/w? Nearly all the alleged B&W TVs are in Northern Ireland. Odd that. Out of the range of the detector vans? ;-) Cheers, T i m no such thing as a detector van .... there isn't these days. There were some in the past Some that claimed to be, you mean. They were as fake as most BBC news. |
#72
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NO more free TV licence from today
On Mon, 3 Aug 2020 08:25:37 +0100, "Jim GM4DHJ ..."
wrote: On 02/08/2020 21:30, T i m wrote: On Sun, 2 Aug 2020 18:51:07 +0100, Andrew wrote: snip The irony being if they live on their own and don't have any TV watching visitors, *no one* would know if it was colour or b/w? Nearly all the alleged B&W TVs are in Northern Ireland. Odd that. Out of the range of the detector vans? ;-) no such thing as a detector van .... Crazy Jim, some of us use little icons to indicate we are being funny, lighthearted or saying something tongue-in-cheek, few of us (or those who aren't actually crazy or are older than 10) actually type 'tee hee'. HTH Cheers, T i m |
#73
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NO more free TV licence from today
In article ,
Farmer Giles wrote: On 03/08/2020 10:01, charles wrote: In article , Jim GM4DHJ ... wrote: On 02/08/2020 21:30, T i m wrote: On Sun, 2 Aug 2020 18:51:07 +0100, Andrew wrote: snip The irony being if they live on their own and don't have any TV watching visitors, *no one* would know if it was colour or b/w? Nearly all the alleged B&W TVs are in Northern Ireland. Odd that. Out of the range of the detector vans? ;-) Cheers, T i m no such thing as a detector van .... there isn't these days. There were some in the past Some that claimed to be, you mean. They were as fake as most BBC news. They were operated by the GPO. They existed, I've been inside one. I've also seen the portable kit, developed later, which actually worked, too. -- from KT24 in Surrey, England "I'd rather die of exhaustion than die of boredom" Thomas Carlyle |
#74
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NO more free TV licence from today
In article ,
T i m wrote: On 1 Aug 2020 23:44:33 GMT, Bob Eager wrote: On Sat, 01 Aug 2020 22:16:10 +0100, T i m wrote: On Sat, 1 Aug 2020 18:03:26 +0100, Andrew wrote: Anyone had the letter from TV LIcensing yet ?. BBC Moneybox says they will send out letters, so any emails, texts or phone calls will be from scammers. Some folks will fall for a scammer though. But there are still free licences aren't there, over 75 and on pension credits, 1.5M of them? Of course, there may be unexpected consequences. Lots of eligible people, who haven't doen it until now, deciding to apply for pension credit. I think the real issue here is giving the licence free to some in the first place. People were paying and were ok with that (few other choices, good content, no advertising etc), just as all those who know if they want to watch Netflix or Amazon Video now they have to pay for it. The problem arises when you make it free to anyone and then decide to take that away again. I think the biggest insult is what I remember being only a tiny discount to 'viewers' (as that's the primary interface of 'TV' (compared with radio)) who were registered blind? I appreciate the impact would vary depending on what was on ... and how good the narration was, but still. ;-( To me, the main issue is expecting the BBC to pay for a 'benefit' If this is fair, perhaps the energy companies should pay the winter fuel allowance? Or supermarkets providing free food to poor pensioners? But then given how much many of them contribute to Tory party funds, unlikely. So just standard Trump thinking. Anyone who criticises in any way should be penalised in any way possible. -- *Consciousness: That annoying time between naps. Dave Plowman London SW To e-mail, change noise into sound. |
#75
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NO more free TV licence from today
On Mon, 3 Aug 2020 05:43:45 +0100, Farmer Giles
wrote: snip Yes, just did (thanks, both ways round), Bzzzzzzz. ;-( I looked it up, and it seems that the rules changed (again) last year. Thanks. Now both partners have to be over pensionable age in order to claim. Yeah, that seemed to be what it was suggesting. If your current status was the same prior to the 15th May last year, then you could try making a retrospective claim - although you're probably out of time for that. It's been the same for a good while now. Again, it 'used' to be the case that once you were awarded Pension Credit you got it for five years even if your circumstances changed, so had you have claimed it last year you would still get it now. OK. Cheers, T i m |
#76
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NO more free TV licence from today
On 03/08/2020 10:38, charles wrote:
In article , Farmer Giles wrote: On 03/08/2020 10:01, charles wrote: In article , Jim GM4DHJ ... wrote: On 02/08/2020 21:30, T i m wrote: On Sun, 2 Aug 2020 18:51:07 +0100, Andrew wrote: snip The irony being if they live on their own and don't have any TV watching visitors, *no one* would know if it was colour or b/w? Nearly all the alleged B&W TVs are in Northern Ireland. Odd that. Out of the range of the detector vans? ;-) Cheers, T i m no such thing as a detector van .... there isn't these days. There were some in the past Some that claimed to be, you mean. They were as fake as most BBC news. They were operated by the GPO. They existed, I've been inside one. I've also seen the portable kit, developed later, which actually worked, too. Worked in what sense? The only possible thing that could be detected would be the local oscillator in the tuner mixer. This 'beats' with the incoming RF signal and produces the IF (intermediate frequency). This wouldn't tell anyone if or what you were watching even if it was strong enough to be detected from a distance, which is unlikely. |
#77
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NO more free TV licence from today
On 03/08/2020 10:02, Farmer Giles wrote:
On 03/08/2020 10:38, charles wrote: [detector vans] were operated by the GPO. They existed, I've been inside one. I've also seen the portable kit, developed later, which actually worked, too. Worked in what sense? The only possible thing that could be detected would be the local oscillator in the tuner mixer. This 'beats' with the incoming RF signal and produces the IF (intermediate frequency). This wouldn't tell anyone if or what you were watching even if it was strong enough to be detected from a distance, which is unlikely. For a CRT TV or computer screen, the signal modulating the grid of the tube was fortuitously radiated over a wide range of frequencies, This could be picked up, usually at VHF, and used to modulate one's own CRT, letting you see on your screen exactly what was on the target's screen. -- Spike |
#78
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NO more free TV licence from today
On Mon, 3 Aug 2020 08:09:34 +0100, "tim..."
wrote: snip But if "living with" means not married to, Nope, we are married (her idea and she paid for the certificate, surprisingly). ;-) Oh, OK. ;-) I wonder why you were so coy about it :-) I didn't realise I was? then your partner's pension needs will be assessed on a single person basis Which is how I think it is now. (though perversely probably take into account your contributions to family costs) Which are nil. When I was working I was on a reasonable wage so was able to pay for this modest 3 bed cottage (and have no other loans or debts) when I was 40. I'm surprised that if you have no savings, We do, just not millions ... and no job Not for a while, no (my choice) ... you don't sign on for "unemployment" benefits Because I'm not looking for employment? And, making the same assumption as before, that this income is enough for the two of you to live on, You cut your cloth ... ;-) But two people living on 7 grand a year It's not quite as bad as that but as I said, if you don't have any debts, don't have an expensive lifestyle, do lots of things yourself and cut your cloth ... must be tough I wouldn't say so. Do we have to be a bit careful? Yes. Do we still do most of what we want? Yes? We haven't been on holiday for about 10 years, not because we couldn't afford to but just that we haven't. Being 'retired' is a bit like a holiday (or should be g) and so we tend to do fun things all year round. ;-) I can't see how the numbers will swing towards you being entitled to anything. Well, I never assumed they would, like I said, we have never claimed for anything, just got those things that most qualifying got (like winter fuel allowance). being married changes things So it seems and for me, very much for the better. ;-) No, let me expand on that. Being with my current partner is all I consider, not the 'marriage' bit. I was married before (7 years), her Mum died and she changed, I didn't like what she had become, we agreed to go separate ways (and remained friends). We both promised 'till death we do part' but lied. When I had been with my current partner a couple of years and me being a toy boy, we decided that if we were to have a child, we needed to have all the rules and regs set out legally and a solicitor we approached to set such up, came back after a couple of days and said the 'easiest way to cover all that is to get married'. So we did, in our lunch hour at work. We lost the first child (miscarriage) but the next survived and is now nearly 30. ;-) And being 'retired' has give me / us the opportunity to be there for her, my stepdaughter (wife's daughter, before she died of Cancer last year) and my Mum (since Dad died 10 years ago). To me / us, being able to do that and enjoy ourselves while we can ... and have no real stress (roof over our head) is worth not being 'rich'. ;-) Cheers, T i m |
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NO more free TV licence from today
On 03/08/2020 08:19, tim... wrote:
"Andrew" wrote in message ... On 02/08/2020 13:34, Farmer Giles wrote: On 02/08/2020 12:41, Dave Liquorice wrote: On Sun, 2 Aug 2020 11:41:14 +0100, Farmer Giles wrote: The first eligibilty requirement for pension credit is to be over the state pension age. Which isĀ* some what variable dependant on your sex and date of birth as they gradually push it up to 68. With plans to push it even higher. If that's the case, it's changed fairly recently then. It was certainly over sixty a few years back because I claimed it for someone who was that age. Presumably a woman. State pension age for men has been 65 for a very long time. They shifted women from 60 to 65 between 2010 and 2018. No, it wasn't a woman. Pension Credit could be claimed by anyone over sixty who met certain criteria. I accept that it's different now. You don't have to claim NI credits (which is what you mean) if you are male and over aged 60. They are applied by DWP automatically. Oh no they're not They were to me. Clearly shown on NI dashboard website and on my BR19 pensions forecasts. |
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NO more free TV licence from today
On 03/08/2020 08:18, tim... wrote:
"Andrew" wrote in message ... Hopefully Universal Credit and the flat state pension will do away with documents like that. the flat state pension will do nothing of the sort because millions will not qualify for the full rate Those people were contracted out, as I was for most of the time. They get the same as someone who was not contracted out but because they paid reduced NI and get a far better occupational pension (and some!!), there is a contracted-out deduction from their state pension. This has always been the case, and is nothing to do with the Apr 2016-on arrangements. |
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