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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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#1
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NO more free TV licence from today
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. |
#2
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NO more free TV licence from today
On 01/08/2020 18:03, 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. good...over 75s are loaded |
#3
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NO more free TV licence from today
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? Cheers, T i m |
#4
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NO more free TV licence from today
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.) |
#5
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NO more free TV licence from today
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. -- My posts are my copyright and if @diy_forums or Home Owners' Hub wish to copy them they can pay me £1 a message. Use the BIG mirror service in the UK: http://www.mirrorservice.org *lightning surge protection* - a w_tom conductor |
#6
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NO more free TV licence from today
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. |
#7
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NO more free TV licence from today
Loads of scammers already onto this one of course. However what will they
do? Take granny to court over unpaid tv licence. See that going down well. I just think folk will mostly ignore it. Brian -- ----- -- This newsgroup posting comes to you directly from... The Sofa of Brian Gaff... Blind user, so no pictures please Note this Signature is meaningless.! "Andrew" wrote in message ... 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. |
#8
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NO more free TV licence from today
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. -- Cheers Dave. |
#9
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NO more free TV licence from today
On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles
wrote: snip 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. I did indeed and didn't think the two things were different (but understand how they can be etc). Eg, initially they may be a top up *towards* your pension (unable to continue working near retirement age) and then it became a topup *of* your pension if you weren't above a specific threshold? Cheers, T i m |
#10
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NO more free TV licence from today
On 2 Aug 2020 at 10:05:22 BST, "T i m" wrote:
On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: snip 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. I did indeed and didn't think the two things were different (but understand how they can be etc). Eg, initially they may be a top up *towards* your pension (unable to continue working near retirement age) and then it became a topup *of* your pension if you weren't above a specific threshold? I've just looked this up for someone - 70, but doesn't receive the full pension (he gets about £150) because, he says, he hasn't paid full NI. According to the Age Concern Calculator, he should now get pension and savings credit, pushing his weekly income up to about the full pension. Plus other benefits, like council tax rebates. So if that's correct, he could be a few thousand better off if he claims. Does seem a bit perverse to me - IIUC somebody on the basic 'full' pension with no other income wouldn't be entitled to these credit-benefits. -- Cheers, Rob |
#11
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NO more free TV licence from today
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. ;-( Cheers, T i m |
#12
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NO more free TV licence from today
On 02/08/2020 10:13, RJH wrote:
On 2 Aug 2020 at 10:05:22 BST, "T i m" wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: snip 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. I did indeed and didn't think the two things were different (but understand how they can be etc). Eg, initially they may be a top up *towards* your pension (unable to continue working near retirement age) and then it became a topup *of* your pension if you weren't above a specific threshold? I've just looked this up for someone - 70, but doesn't receive the full pension (he gets about £150) because, he says, he hasn't paid full NI. According to the Age Concern Calculator, he should now get pension and savings credit, pushing his weekly income up to about the full pension. Plus other benefits, like council tax rebates. So if that's correct, he could be a few thousand better off if he claims. Does seem a bit perverse to me - IIUC somebody on the basic 'full' pension with no other income wouldn't be entitled to these credit-benefits. I think this was done, at least in part, by the BBC to "cock a snook" at the Government. Its been estimated that if every one who is entitled to pension credit claims it will cost the government more than it would to fund the licence. Whilst the cost of the Pension Credit is less, it unlocks other benefits which push the costs up... https://www.thisismoney.co.uk/money/...xtra-600m.html or shortened url https://tinyurl.com/y36kvfdo so guys and gals, get claiming. Its your right... Dave |
#13
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NO more free TV licence from today
On Sun, 2 Aug 2020 10:28:26 +0100, David Wade
wrote: snip Whilst the cost of the Pension Credit is less, it unlocks other benefits which push the costs up... https://www.thisismoney.co.uk/money/...xtra-600m.html or shortened url https://tinyurl.com/y36kvfdo so guys and gals, get claiming. Its your right... I'm 63, not working (never claimed anything in my life) but too young to retire, according to the current system ... but I think I have two small private pensions that matured when I was 60. I believe I also have a couple more private pensions that are due to mature when I'm 65 and I think I did look into putting them all into one, but 1) not sure if that was a good idea and 2) I think that you might only be able to combing so many and didn't know which I should do if there were limits (or take the cash etc). Cheers, T i m |
#14
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NO more free TV licence from today
On 02/08/2020 10:15, 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. ;-( The discount was the same as the radio licence on the grounds that blind people got that for free (£1.25). When that was abolished the discount continued at the same rate, as you can't remove a benefit that people are used to even if it doesn't make any sense or they will make a fuss; as the BBC/Government have discovered with the abolition of the over 75 free licence. I never understood TV licence discounts for blind people before AD was introduced. -- Max Demian |
#15
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NO more free TV licence from today
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. |
#16
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NO more free TV licence from today
"T i m" wrote in message ... 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? and another 300,000 (or whatever) who would qualify, but are too proud to claim don't weep all at once, you'll flood us out |
#17
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NO more free TV licence from today
"Dave Liquorice" wrote in message idual.net... 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. but at any one point in time (such as today) is a fixed defined age And in any case it's an irrelevance, as the requirement for the free licence is to be claiming "Pension Credit" and be over 75 |
#18
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NO more free TV licence from today
"RJH" wrote in message ... On 2 Aug 2020 at 10:05:22 BST, "T i m" wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: snip 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. I did indeed and didn't think the two things were different (but understand how they can be etc). Eg, initially they may be a top up *towards* your pension (unable to continue working near retirement age) and then it became a topup *of* your pension if you weren't above a specific threshold? I've just looked this up for someone - 70, but doesn't receive the full pension (he gets about £150) that seems like more than a full pension to me. (for a single person) because, he says, he hasn't paid full NI. According to the Age Concern Calculator, he should now get pension and savings credit, pushing his weekly income up to about the full pension. Plus other benefits, like council tax rebates. funnily enough, I have just downloaded a help sheet for this and that says "Savings Credits have been closed to new applicants since 2010" so Age Concern see somewhat out of date there So if that's correct, he could be a few thousand better off if he claims. Does seem a bit perverse to me - IIUC somebody on the basic 'full' pension with no other income wouldn't be entitled to these credit-benefits. The payment is based around the concept of "Minimum Income Guarantee" which is some way above the standard pension and assume that people have an earnings related top up but not everyone earned enough to accumulate that top up |
#19
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NO more free TV licence from today
"T i m" wrote in message ... On Sun, 2 Aug 2020 10:28:26 +0100, David Wade wrote: snip Whilst the cost of the Pension Credit is less, it unlocks other benefits which push the costs up... https://www.thisismoney.co.uk/money/...xtra-600m.html or shortened url https://tinyurl.com/y36kvfdo so guys and gals, get claiming. Its your right... I'm 63, not working (never claimed anything in my life) but too young to retire, according to the current system ... but I think I have two small private pensions that matured when I was 60. I believe I also have a couple more private pensions that are due to mature when I'm 65 and I think I did look into putting them all into one, but 1) not sure if that was a good idea and 2) I think that you might only be able to combing so many and didn't know which I should do if there were limits (or take the cash etc). And assuming that you aren't living on fresh air now, presumably have significant savings. Whilst PC does not have a savings level that forbids you from claiming, it does have an "assumed" income from saving which involve an assumption of "draw-dawn". anyone with an OAP pension and more than about 50K is going to find the calculation for PC says "no" tim |
#20
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NO more free TV licence from today
"David Wade" wrote in message ... On 02/08/2020 10:13, RJH wrote: On 2 Aug 2020 at 10:05:22 BST, "T i m" wrote: On Sun, 2 Aug 2020 07:31:35 +0100, Farmer Giles wrote: snip 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. I did indeed and didn't think the two things were different (but understand how they can be etc). Eg, initially they may be a top up *towards* your pension (unable to continue working near retirement age) and then it became a topup *of* your pension if you weren't above a specific threshold? I've just looked this up for someone - 70, but doesn't receive the full pension (he gets about £150) because, he says, he hasn't paid full NI. According to the Age Concern Calculator, he should now get pension and savings credit, pushing his weekly income up to about the full pension. Plus other benefits, like council tax rebates. So if that's correct, he could be a few thousand better off if he claims. Does seem a bit perverse to me - IIUC somebody on the basic 'full' pension with no other income wouldn't be entitled to these credit-benefits. I think this was done, at least in part, by the BBC to "cock a snook" at the Government. Its been estimated that if every one who is entitled to pension credit claims it will cost the government more than it would to fund the licence. I think that's probably an unintended consequence |
#21
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NO more free TV licence from today
"T i m" wrote in message ... 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? OTOH there shouldn't be any problem with the blind getting by with a B&W TV |
#22
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NO more free TV licence from today
"Brian Gaff (Sofa)" wrote in message ... Loads of scammers already onto this one of course. However what will they do? Take granny to court over unpaid tv licence. yep See that going down well. It already doesn't go down well (in media terms) with the set that they do prosecute doesn't stop them doing it |
#23
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NO more free TV licence from today
On Sun, 02 Aug 2020 10:55:20 +0100, T i m wrote:
I'm 63, not working (never claimed anything in my life) but too young to retire, according to the current system ... but I think I have two small private pensions that matured when I was 60. You don't know? What are you living on now if not working or claiming benefits? The interest on a couple of million in savings accounts? I believe I also have a couple more private pensions that are due to mature when I'm 65 and I think I did look into putting them all into one, but 1) not sure if that was a good idea and 2) I think that you might only be able to combing so many and didn't know which I should do if there were limits (or take the cash etc). You need to find a independant financial advisor perhaps with a bit of specialisum in pensions. The rules have changed an awful lot recently, with far more options than there ever used to be. You don't have to buy an anuity (thus losing access to the capital and any gains it makes invested), you can take up to 25% tax free lump sum but you don't have to do that in one go and/or you can draw down on the capital and/or leave it... -- Cheers Dave. |
#24
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NO more free TV licence from today
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. -- Cheers Dave. |
#25
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NO more free TV licence from today
On 2 Aug 2020 at 12:27:46 BST, ""Dave Liquorice""
wrote: On Sun, 02 Aug 2020 10:55:20 +0100, T i m wrote: I'm 63, not working (never claimed anything in my life) but too young to retire, according to the current system ... but I think I have two small private pensions that matured when I was 60. You don't know? What are you living on now if not working or claiming benefits? The interest on a couple of million in savings accounts? I believe I also have a couple more private pensions that are due to mature when I'm 65 and I think I did look into putting them all into one, but 1) not sure if that was a good idea and 2) I think that you might only be able to combing so many and didn't know which I should do if there were limits (or take the cash etc). You need to find a independant financial advisor perhaps with a bit of specialisum in pensions. The rules have changed an awful lot recently, with far more options than there ever used to be. You don't have to buy an anuity (thus losing access to the capital and any gains it makes invested), you can take up to 25% tax free lump sum but you don't have to do that in one go and/or you can draw down on the capital and/or leave it... If you are/were in a trade union, well worth trying there first - some excellent specialists in-house. -- Cheers, Rob |
#26
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NO more free TV licence from today
On Sun, 2 Aug 2020 12:11:39 +0100, "tim..."
wrote: snip I believe I also have a couple more private pensions that are due to mature when I'm 65 and I think I did look into putting them all into one, but 1) not sure if that was a good idea and 2) I think that you might only be able to combing so many and didn't know which I should do if there were limits (or take the cash etc). And assuming that you aren't living on fresh air now, presumably have significant savings. We have some, no debts plus I'm living with an older woman. ;-) Whilst PC does not have a savings level that forbids you from claiming, it does have an "assumed" income from saving which involve an assumption of "draw-dawn". None of that. 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. Who are the best people to go to for advice on such things, if there are such? Cheers, T i m |
#27
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NO more free TV licence from today
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. |
#28
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NO more free TV licence from today
On 02/08/2020 12:14, tim... wrote:
"T i m" wrote in message ... 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? OTOH there shouldn't be any problem with the blind getting by with a B&W TV Where are they going to get a b/w TV that receives digital TV? -- Max Demian |
#29
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NO more free TV licence from today
On Sun, 02 Aug 2020 12:27:46 +0100 (BST), "Dave Liquorice"
wrote: On Sun, 02 Aug 2020 10:55:20 +0100, T i m wrote: I'm 63, not working (never claimed anything in my life) but too young to retire, according to the current system ... but I think I have two small private pensions that matured when I was 60. You don't know? Well sort of, but 1) I'm not good with such things and partly 2) they didn't account to much and 3) I wasn't sure if I could / should do anything with them (take them as pension payments, take the lump sum, combine them onto one etc). What are you living on now if not working or claiming benefits? Her pension(s). The interest on a couple of million in savings accounts? That would be nice (and if we actually did any of the Lotteries ...). I believe I also have a couple more private pensions that are due to mature when I'm 65 and I think I did look into putting them all into one, but 1) not sure if that was a good idea and 2) I think that you might only be able to combing so many and didn't know which I should do if there were limits (or take the cash etc). You need to find a independant financial advisor perhaps with a bit of specialisum in pensions. The rules have changed an awful lot recently, with far more options than there ever used to be. You don't have to buy an anuity (thus losing access to the capital and any gains it makes invested), you can take up to 25% tax free lump sum but you don't have to do that in one go and/or you can draw down on the capital and/or leave it... Quite ... loads of options ... (but thanks). Basically I was holding off till I was 65 when the other pensions matured and was going to go from there. Cheers, T i m |
#30
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NO more free TV licence from today
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 |
#31
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NO more free TV licence from today
"T i m" wrote in message ... On Sun, 2 Aug 2020 12:11:39 +0100, "tim..." wrote: snip I believe I also have a couple more private pensions that are due to mature when I'm 65 and I think I did look into putting them all into one, but 1) not sure if that was a good idea and 2) I think that you might only be able to combing so many and didn't know which I should do if there were limits (or take the cash etc). And assuming that you aren't living on fresh air now, presumably have significant savings. We have some, no debts plus I'm living with an older woman. ;-) who gets a *single* pension? Whilst PC does not have a savings level that forbids you from claiming, it does have an "assumed" income from saving which involve an assumption of "draw-dawn". um draw-down, oops. None of that. 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? Who are the best people to go to for advice on such things, if there are such? Age concern, CAB find an online calculator But if "living with" means not married to, then your partner's pension needs will be assessed on a single person basis (though perversely probably take into account your contributions to family costs) And, making the same assumption as before, that this income is enough for the two of you to live on, I can't see how the numbers will swing towards you being entitled to anything. The MIG is pretty low. It is set at subsistence level |
#32
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NO more free TV licence from today
"Max Demian" wrote in message o.uk... On 02/08/2020 12:14, tim... wrote: "T i m" wrote in message ... 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? OTOH there shouldn't be any problem with the blind getting by with a B&W TV Where are they going to get a b/w TV that receives digital TV? dunno 7,000 per year manage it |
#33
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NO more free TV licence from today
"Dave Liquorice" wrote in message idual.net... On Sun, 02 Aug 2020 10:55:20 +0100, T i m wrote: I'm 63, not working (never claimed anything in my life) but too young to retire, according to the current system ... but I think I have two small private pensions that matured when I was 60. You don't know? What are you living on now if not working or claiming benefits? The interest on a couple of million in savings accounts? If living in a paid for house... draw down from a tiny faction of that works there's no need to avoid depleting capital at age 60+ It's an aspiration that's completely unnecessary |
#34
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NO more free TV licence from today
"Dave Liquorice" wrote in message idual.net... On Sun, 02 Aug 2020 10:55:20 +0100, T i m wrote: I'm 63, not working (never claimed anything in my life) but too young to retire, according to the current system ... but I think I have two small private pensions that matured when I was 60. You don't know? What are you living on now if not working or claiming benefits? The interest on a couple of million in savings accounts? I believe I also have a couple more private pensions that are due to mature when I'm 65 and I think I did look into putting them all into one, but 1) not sure if that was a good idea and 2) I think that you might only be able to combing so many and didn't know which I should do if there were limits (or take the cash etc). You need to find a independant financial advisor perhaps with a bit of specialisum in pensions. The rules have changed an awful lot recently, with far more options than there ever used to be. You don't have to buy an anuity (thus losing access to the capital and any gains it makes invested), you can take up to 25% tax free lump sum but you don't have to do that in one go and/or you can draw down on the capital and/or leave it... If you have a "small" pot, say 25K the answer should be clear Cash it in as the new rules allow and spend it on a few luxuries whilst you are healthy enough to take advantage of them. Spreading that cashing in over two years will lessen that tax bill by quite a bit. Turning it into a pension of 100 pound per month is going to make bugger all difference to most people's day to day living, but will be a barrier to future claiming of benefits |
#35
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NO more free TV licence from today
"Farmer Giles" wrote in message o.uk... 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. yep before they equalised the woman's pension age, An equality claim forced them to reduce the male age for claiming "age related" benefits down to the same as the woman's claimant age. Hence the even more pressing need to equalise woman's pension age upwards Another case of "be careful what you wish for" |
#36
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NO more free TV licence from today
On 02/08/2020 14:47, tim... wrote:
"Dave Liquorice" wrote in message idual.net... On Sun, 02 Aug 2020 10:55:20 +0100, T i m wrote: I'm 63, not working (never claimed anything in my life) but too young to retire, according to the current system ... but I think I have two small private pensions that matured when I was 60. You don't know? What are you living on now if not working or claiming benefits? The interest on a couple of million in savings accounts? I believe I also have a couple more private pensions that are due to mature when I'm 65 and I think I did look into putting them all into one, but 1) not sure if that was a good idea and 2) I think that you might only be able to combing so many and didn't know which I should do if there were limits (or take the cash etc). You need to find a independant financial advisor perhaps with a bit of specialisum in pensions. The rules have changed an awful lot recently, with far more options than there ever used to be. You don't have to buy an anuity (thus losing access to the capital and any gains it makes invested), you can take up to 25% tax free lump sum but you don't have to do that in one go and/or you can draw down on the capital and/or leave it... If you have a "small" pot, say 25K the answer should be clear Cash it in as the new rules allow and spend it on a few luxuries whilst you are healthy enough to take advantage of them.Â* Spreading that cashing in over two years will lessen that tax bill by quite a bit. Turning it into a pension of 100 pound per month is going to make bugger all difference to most people's day to day living, but will be a barrier to future claiming of benefits sponger |
#37
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NO more free TV licence from today
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 |
#38
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NO more free TV licence from today
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 |
#39
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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 fiddler |
#40
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NO more free TV licence from today
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 isÂ* 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. |
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