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Scotland and Income Tax
March 17, 2016

Joined: May 12, 2014
Posts: 685
Scotland and Income Tax

March 17, 2016

Frankie, don't feel too bad about it! I retired aged 59 in 2007. I am now 68. I have been paying 40% tax since I left the army in 1992. Even now, in my early dotage, I am still paying 40% tax. Although  I think it was Mark Twain who said "there are only two things in life that are certain, taxes and death" that maxim is only true for us plebs. . Numpties such as us who served decades in the armed forces and then went straight into other careers , those of us who have never had a days' unemployment or claimed anything from the Government in benefits, WE pay the taxes that sustain the rest. We sustain the poor and the poorly paid; no gripes there. However we also sustain the fat lazy bastards who refuse to work, the hordes of economical immigrants AND those who get paid far more than we do, those who set up corporations et al to avoid paying their fair share. You are not alone in being dismayed at the taxation system, I recently received a flyer from HMRC asking me if I had taken advantage of the facility of using the new marriage allowance to offset some of my own tax. I think someone there was having a giraffe! It came with my new tax coding telling me despite paying 40% tax last year, despite ALL my income being taxed at source, because I had multiple pensions the complexity of them meant I had underpaid my taxes the previous year and it would be reflected in my 2015/16 allowances. The "having a giraffe" remark refers to the fact 40% tax payers can't offset any of their partner's tax allowance. Hey ho, it's a wonderful world!

March 17, 2016

Joined: May 8, 2014
Posts: 1205
Scotland and Income Tax

March 17, 2016

March 17, 2016

Joined: May 8, 2014
Posts: 1205
Scotland and Income Tax

March 17, 2016

Frankie ,I'd just explained like you I was living for the taxman after my 55 birthday having a great job with Argos and paying off our mortgage,we sat down and did the pro's and con's ,my wife had a great job/ salary and I could take early retirement/pension and still have a good quality of life ,been retired 14 years (57) . Done the volunteer work at the local hospital (Rochdale ) and meals on wheels ,now 9 years here for the Irish blind ,keeping me getting out bed ,if you can afford it DO IT ,what you've done military service and 20 odd years work ,good luck

March 18, 2016

Joined: July 15, 2014
Posts: 51
Scotland and Income Tax

March 18, 2016

Having read over my original post again I think it might seem disingenuous given there are a lot of people worse off than me and if George O goes ahead with his plan to hit the disabled then I really don't have a cause for complaint.  What I could have done better was highlight that there is a far bigger gap between the bottom of the higher rate allowance and the top of that allowance than there is between the bottom and top of the standard rate allowance.  Perhaps what Wee Nicola will do is realise that fact and do something to ease the burden on us 'poor' souls who just dip into the bracket, perhaps she could introduce a new 30p or better still 25p bracket and leave the 40p in place for those in the upper echelons of the bracket.  My other grouse is having to pay tax at all on our hard earned Army pensions. I wonder if I write to Wee Nicola she will consider my suggestion but I need to be quick because she announced yesterday on FMs Question Time that they will announce their decision next week. David I got a similar letter from HMRC the other month so this coming year I am paying back the arrears on top of my newly increased contribution. Like you I don't mind paying my bit to help those who haven't been lucky enough to have good health or the opportunities I have had but not those lazy barstewards who have never worked a day in their lives. Bob, trust me the day I can afford to retire I will but as I said earlier I can't see that being the case for at least another five years. JKW has to put up with my daily moans about that. What I am looking forward to is the day my good lady can retire hopefully well before I do. She has to work a bloody sight harder than I do in a much tougher environment and for a lot less recompense.

March 19, 2016

Joined: May 8, 2014
Posts: 199
Scotland and Income Tax

March 19, 2016

Frankie, do you not  think it is a wee bit  R I C H  to complain about the way HMRC and various chancellors both north and south of the border, become so very adept at moving the goalposts on tax, so they can take yet another slice from our hard earned pensions/cash earnings, it is who can smell the coffee or the bacon first. DO YOU CATCH MY DRIFT. BOB

March 20, 2016

Joined: May 14, 2014
Posts: 977
Scotland and Income Tax

March 20, 2016

The Budget Robbery The Tories  are more than a little bit adept at getting their 5 card trick over us every step of the way, while we only get another loss of our hard earned money...Labour Party do not have a clue about anything, apart from getting it wrong all the time, and the Tories only know they are in the driving seat to keep their overpaid and under taxed brotherhood of  the filthy rich from paying the real taxes they should. I admire IDS for making a stand against the imbalance in the present tax charges, but the rest of the tories are QUITE happy to accept a tax cut or six, while we minions are being overtaxed and ignored. I know that the tories believe they are the "Chosen Ones" and above the law. With them getting millions a year, THEY should be the more heavily taxed, as is proper on the amounts they get as salary etc, etc, and not us. No wonder most of the country detest Tories, but have to accept that Labour are clueless in everything. Worse than tother robbers. I dare not write what I think of Cameron and most of his tory twits, so I sign off here for a while.....  

March 25, 2016

Joined: July 15, 2014
Posts: 51
Scotland and Income Tax

March 25, 2016

Well that is it confirmed Wee Nicola will keep me a victim of 'fiscal creep' for the foreseeable future :( if she gets back into power........if!!!!!! What am I talking about it is a foregone conclusion. I had recently got confirmation that I would get the married persons allowance that JKW mentioned in another thread but now I am in the 'higher tax' bracket (Christ it hurts just to write it) I will probably have that taken off me as well. At least my dear hard working wife will benefit from the living wage from next month.  Hitting 60 recently I thought I might benefit from the heating allowance but that has been pushed back to 62, so no luck again. All the time I see my state pension slipping further and further back. I might be tempted like Dave F to apply for that bus pass after all, I can't see me using it much but I might as well claim it before I lose that as well. Don't get me wrong I am grateful to be in a decent job but it is galling to see people who have never worked a day in their life still being given handouts hand over fist whilst we all having been paying our taxes since the age of 15. No disrespect to you guys who have already got those 'perks' you worked for them and deserve them, it is just that I thought I had as well.

March 25, 2016

Joined: May 12, 2014
Posts: 685
Scotland and Income Tax

March 25, 2016

Frankie apropos "I will probably have it taken off me" there is NO probably, mate. We "middle class" (Middle England me Middle Scotland you) are the new tax whipping posts. We aren't really middle anything, it's just a farce created for  tax purposes When I left my last job in 2007 (aged 59) on redundancy, I applied for job seekers allowance. For the 5 years previous to redundancy my average income tax bill amounted to £26k pa. For the 5 years previous to THAT I averaged £21k pa. Anyway; I was almost laughed at during the interview at the Job seekers place or whatever it's called these days, "you have how much in pensions?" the 12 year old girl interviewing me asked, " you won't be able to claim anything......ever" "You will have to sign on every 2 weeks though to keep your stamp being paid" she said. I later discovered that was bollocks as I had more than enough "stamps" for a full state pension anyway. So all the dossers and tossers stood with their roll ups and weed outside that place, mostly idle shmuckers who likely had never worked in their lives, far less paid any taxes or NI contributions, were all getting money and benefits paid for by the likes of us who HAD worked and paid them.  The system stinks, why should I pay 40% tax on pensions I have either paid shed loads of money into or earned through long military service? Rhetorical question, QED!! Hope you are well, have a great Easter.

March 25, 2016

Joined: July 15, 2014
Posts: 51
Scotland and Income Tax

March 25, 2016

David like all of us on here we (Christine & I) have had to work for everything we have and of that we are proud but in the eyes of the scroungers we are bloody mugs. I would be much happier if I could guarantee that my 40p's are going to those in genuine need and not the bloody idle. My one experience with the 'Job Centre' when I first left the Army was very similar and I couldn't wait to get out of the place. It dawned on me very quickly that there was a significant difference between me and the others in the queue, I was actually looking for work. Back then my Army pension was a pittance (pre-aged 55) but it was still enough for both of us to be refused any sort of state support at all. Needless to say we both got jobs within weeks and I have never had to cross their threshold again, thank god. Easter will be a bit of a non-event given Christine is working Sunday and we are both working on Easter Monday but we value our pride.

March 25, 2016

Joined: May 8, 2014
Posts: 1205
Scotland and Income Tax

March 25, 2016

It's a strange quirk of life ,David do you remember Tom Baker who worked in the pay office across from you ,now we're to start he went on to be paymaster for the Royal Marines in Plymouth,then he worked in Bristol uni as the bursar. Again decided to retire early but here's the crux ,he moved to France with his 3rd wife before he was 60 therefore he hadn't claimed his winter fuel allowance or bus pass . To think he gave 25 years service to the crown then 15 years service to the education system in the UK now coming upto his 70 th birthday has to pay on bus if he wants to go to kids living here and also has to watch lesser qualified people get winter fuel allowance. About the unemployment benefits system,back when I was made redundant a part of the package was 6 months salary,so no money but had sign on to get the stamps,when you consider that after working for 40 years in 2 jobs never being unemployed till my 50's I had too much money etc to qualify,and as David's comment on the age of the staff ,I'm sure mine was still being breastfed .

March 25, 2016

Joined: May 12, 2014
Posts: 685
Scotland and Income Tax

March 25, 2016

Bob, you won't believe this but Tom Baker rang me from France a few months ago, he was on the phone for 90 minutes!!! He is married to a Chinese woman now if I remember correctly, well certainly an oriental lady anyway. He finished as a WO1 I think, he was always a "ladies man" always had the hots for someone or other but a real fun guy to be with. he told me he had spent ages trying to get my phone number and I had 90 minutes of reliving old times with him. Strange that you should have mentioned him by chance. Frankie, I never mentioned in my previous post but I bowled up at the job centre in a pin stripe suit, silk tie, silk hankie poking out of my breast pocket which was my every day work regalia, one has to keep up standards!! Anyway; I got IN ok, no nasty remarks et al from those outside, perhaps they thought I worked there and didn't want to get their dole or whatever. Once I was upstairs being interviewed by the pre pubescent girl who allegedly worked there a scruff at the other desk, also being interviewed, tattooed neck, "F Off" across the knuckles, you know the type, started effing and blinding at me < "posh bastard, stuck up twat" that sort of thing, he was told if he continued his interview would be terminated and the girl talking to me said to him, "you should count yourself lucky this gentleman can't even get any money and he's paid more in taxes than you have ever earned". "That's cos he's a stupid twat" came the riposte. I remember it as if it were yesterday. like you I never ever went near that place again.

March 25, 2016

Joined: May 14, 2014
Posts: 977
Scotland and Income Tax

March 25, 2016

David and Frankie, I am totally in agreement with you both, this mad world of ours hates the successful and adores the useless morns who turn up (when they have to, not before) to claim or collect the cash we have donated all our working lives in the form of taxes etc, and we get almost banned from making claims which SHOULD be valid (as the law says), as we seem to have no right or need to all the help these lazy scroungers and hangers on seem to think is their RIGHT. If they want the money, they should be refused it until they start some form of training in some useful form of work, where they would need to make a serious contribution to the developement and improvement of the whole country. And stay in work, not stop after a day or 2. As you both say, this country is upside down in its approach to working and not working residents. The working people should get their rights, and help, the scroungers should get nothing but orders to either get a job, or go to  the fires of Hell, down below...

March 25, 2016

Joined: May 8, 2014
Posts: 1205
Scotland and Income Tax

March 25, 2016

David ,Tom second wife was a Chinese lady  Shirley from Hong Kong after his marriage to his wife Glen went tits up as it were. His current wife Yuri is Japanese who met at Bristol uni were she was a student, as you posted Tom has a soft spot for the ladies  Yuri is younger than his kids from Osnabruck oh he's older than his in laws and now has now 2 little boys under 4 years of age , Tom is now 68'ish ,don't ask were he gets the energy from ?????

March 26, 2016

Joined: May 12, 2014
Posts: 685
Scotland and Income Tax

March 26, 2016

Tom, like you I am sure, I never begrudge benefits being paid to the deserving and needy, those who HAVE tried to help themselves, those who HAVE lost their jobs through no fault of their own and are desperately trying to get back into work. I have every sympathy for those who suffer serious health issues and cannot work. I have no issue with those who work and earn a pittance being subsidised, at least they are working and trying to look after themselves. I just have huge issues with paying shed loads of taxes at my age for the druggies, pi**heads, scroungers and idle bastards who rip the country and the taxpayers off. I also have huge issues with having to subsidise tens of thousands of economic immigrants who come here for precisely that reason. People who are not fleeing war torn countries, people who cross several other "democratic countries" with the sole aim of landing here for the lax benefits system we have, people who settle here and try to impose THEIR culture on OUR country whilst being paid by OUR taxes to do so. I am also fed up of hearing how grateful I should be to be financially secure and able to enjoy a comfortable life. I spent 26 years in the regular army followed by 16 years in the NHS where my working week comprised an average of  55 hours and often encompassed additional working weekends. Noone gave us anything for nothing, noone handed us anything on a silver platter, the thought of being on the dole was anathema to people like us, we just made sure we found a job and looked after ourselves and our families. To then in our later years, after decades of hard work, to have to subsidise  the tossers, the dossers and  chancers is galling to say the least! Rant over! Bob, you are absolutely right about Tom, I remember now him speaking of Japan and Yuri I think I asked him if he was an adherent of the little blue pills!!

March 26, 2016

Joined: May 8, 2014
Posts: 1205
Scotland and Income Tax

March 26, 2016

David ,he (Tom) after Allison his daughter with Shirley had the snip,then Yuri his 3rd wife wanted children after spending lots on IVF he then had a reversal bingo 2 lovely boys 4&2 years old ,as you see he didn't need blue pills ,as he was firing blanks .............Now about wether our generation are comfortable,as you remember the hours we all did for crown ,ok we were younger but we grew up in 50's when we that's our (mine) parents had FECK all . So we were motivated to do/ get better life for our families,that means you worked long hours ( no 48 hrs working week) the last 3 years of my working life I was the Night manager of the 24/7 Argos depot ( an extra 20% on basic salary) . The problem now for our grandchildren is that house prices have gone ballistic and wages/jobs are all talking about min wages etc,and the deal Maggie did with council houses with right to buy took thousands of houses out the rental market ,so they see us oldies in our ( in some cases large ) homes , that they can't afford. Then we have accepted migrants from a) the old empire, b) European Union, thus causing problems with the NHS ,overcrowding,housing ,jobs,and the benefits ( which they hadn't payed into) that they got and sent home to their families living abroad.......speaking about the future the speech of a certain guy back in the sixties,something like rivers of blood etc come to mind  if ITs not sorted .


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