addicts bribed to be sterilized

[eFestivals]

Yes, but how does that apply to me exactly ?

Because you will be (on average) drawing a bigger pension than you've made in contributions. That is overwhelmingly the case for those who start drawing their pensions early (and less so for those who don't).

[eFestivals]

Anything further to add Neil ?

Well, you should know the ins & outs of your pension plan better than me.

But on the basis of so much more that you say, you very probably don't.

[eFestivals]

Standard private stakeholder pension...

Oh, you mean exactly the sort of pension that has been paying out on average a greater amount than the contributions total for 40+ years, and making up the shortfall from the newest joiners.

So what I said.

[eFestivals]

Stakeholder pensions where created in 2001...

Ahhh, OK - you're talking about a legally defined thing, while I'm talking about the wider thing of private pensions always being run on a supposed 'stakeholder' basis (while not being done so in reality - as the Equitable Life bail-out gets to show).

[eFestivals]

You said I was stealing and failed to back this up...

I said something about "on average", which is without doubt the case.

Learn to f**king read.

[eFestivals]

You didn't say anything about "on average" when you took time out of your day to call "me" a c**t...

What you say might be true about what I said last week, but I don't care enough to look back for it.

It's certainly the case that have done here where you've chosen to take me to task over it.

Edited October 19, 2010 by eFestivals

[eFestivals]

So are you now saying I am not a c**t regarding this issue... ?

Oh, you're still a c**t - for believing that you've done enough to pay for your presence on this planet from less than 35 years of working.

[eFestivals]

So how long do I have to work ? What would be acceptable

when you've really paid for your keep on this planet, and not when warped finances suggest that you have.

[eFestivals]

and what is the magic number ?

There is none.

It's about effort, not money.

[eFestivals]

Where is my effort lacking ?

in the years you plan to make no effort, from your years beyond 55.

But anyway, your dream won't come to fruition unless your circumstances skyrocket. Come back and argue it with me when you're 55. m:)

[eFestivals]

So we have to work until we die ?

No, just till you've covered what you'll use in your lifetime.

I would argue it with you now... If my circumstances continue as they currently are and the stock market suddenly performs at a rate it's never done then I can very easily retire at 55. Who can grantee that though... I certainly can't... It is just a dream / hope...

Corrected for you.

Are your estimates based on real stock market performance or the lie of stock market performance that pension firms are legally allowed to present as realistic?

[eFestivals]

But you seem to have no idea what this amount is ?

So we should retire somewhere between 55 and death... But you have no idea when, but 55 is too soon, even though I will be retiring on nothing more than income I generated

You are SO full of shit

You have all the moans but none of the answers

The amount is what you do.

And it's certainly the case that you're not contributing 25% to 30% more than the average of others, even tho your pay-packet might suggest to you that you are.

You think I only have investments which require good stock market performance ? More fool you... Mr Assumption...

No, I think you have investments - investments that all fail to reach the return that's legally allowed to be claimed for them, and by quite a margin.

[eFestivals]

Like I said, no answer...

It was an answer. Just an answer you won't accept, because you do want to regard your pay packet as saying you put in 25% more effort than the average.

Explain...

go look up what is legally allowed to be claimed for investments, and how none get close to achieving those levels over a 25+ year period.

[eFestivals]

but you have no idea how much effort I put in ? again, you are just talking from generalised bullshit...

Do you put in 25%+ more effort into your work than a man whose job it is to dig holes for 8 hours each day 5 days a week?

I know you put in nothing like that effort, in fact I know that you put in less than 4 hours a day of efforts at anything - as your endless posts here get to show.

The generalised bullshit is your belief that you're so much better than everyone else that you can stop working ten years before they have to.

Oh look, more generalised bullshit

You asked the question, I told you were you could find the answers.

Good and accurate answers are always bullshit to you, as you consistently get to prove.

[llcoolphil]

I don't think any kid deserves to get subjected to being brought up in that environment or with the possible medical issues it could face...

[eFestivals]

I don't think kids should have to be brought up by parents who are complete f**kin morons. Why stop with drug addicts?

[Pogues Mcgogues]

Just thinking Pogo might be up for this He said he never wants children