What I did in work today

Incidentally, once you get to your State Pension age, you will not have to pay NI any longer.

Incidentally, once you get to your State Pension age, you will not have to pay NI any longer.

Write your comments here...It's my 65th birthday on 18th August, KjellNN, so I suppose I'll need to apply for my state pension on that date or can it be done earlier? I wonder whether it is paid weekly or monthly. If monthly, I presume I'll receive the first payment on 18th September, is that right? Perhaps they allow you to choose whether weekly or monthly? Do I need to apply to stop NI contributions?

Posters who monopolise threads are reported to the Community Manager as this is against our T&Cs.  

Incidentally, once you get to your State Pension age, you will not have to pay NI any longer.

Write your comments here...It's my 65th birthday on 18th August, KjellNN, so I suppose I'll need to apply for my state pension on that date or can it be done earlier? I wonder whether it is paid weekly or monthly. If monthly, I presume I'll receive the first payment on 18th September, is that right? Perhaps they allow you to choose whether weekly or monthly? Do I need to apply to stop NI contributions?

Getting very close now! I think your afternoon in the relaxer needs to be spent speaking to pensions people. Have you not received any communication from them or checked out the government pension webpages??  Best be on the case asap.  They may well check out your current situation, NI contributions etc as that is what you're pension is based on. I know someone who is 65 about a month after you and knows how much and when payable already.  Be pro active on this ocassion ?

I'm wondering whether I've found employment for my return from NZ ?.  It'll be self employed and probably not attract any sort of salary . But.........

CT agony aunt, financial adviser etc????

You will indeed.....

Write your comments here...Can parking fines be offset against tax? I've had two work related parking charge notices for collecting orders from Macdonalds that have cost me a total of £123.

No.

Incidentally, once you get to your State Pension age, you will not have to pay NI any longer.

Write your comments here...It's my 65th birthday on 18th August, KjellNN, so I suppose I'll need to apply for my state pension on that date or can it be done earlier? I wonder whether it is paid weekly or monthly. If monthly, I presume I'll receive the first payment on 18th September, is that right? Perhaps they allow you to choose whether weekly or monthly? Do I need to apply to stop NI contributions?

State pension is now usually paid every 4 weeks (so 13 equal payments a year - not calendar months). When you start getting your pension you will get a new tax code, which should be passed on to any other employers, personal pension providors etc.

You do not have to claim your pension as soon as you are eligible - you can delay it, and then you do start to claim it is more.

But don't take my word for all of this!

Incidentally, once you get to your State Pension age, you will not have to pay NI any longer.

Write your comments here...It's my 65th birthday on 18th August, KjellNN, so I suppose I'll need to apply for my state pension on that date or can it be done earlier? I wonder whether it is paid weekly or monthly. If monthly, I presume I'll receive the first payment on 18th September, is that right? Perhaps they allow you to choose whether weekly or monthly? Do I need to apply to stop NI contributions?

Getting very close now! I think your afternoon in the relaxer needs to be spent speaking to pensions people. Have you not received any communication from them or checked out the government pension webpages??  Best be on the case asap.  They may well check out your current situation, NI contributions etc as that is what you're pension is based on. I know someone who is 65 about a month after you and knows how much and when payable already.  Be pro active on this ocassion ?

Write your comments here...Thanks, Bakers2. I've just been on the phone to the state pensions department and it was all completed over the phone. They took my bank details as it will be paid directly through the bank. The first payment will be three weeks after my 65th birthday and every four weeks thereafter.

Correct, Goldie, although you can chose to be paid weekly but they don't 'advertise' the fact.

Malcolm should have received a letter with a pension forecast and asking him whether he wanted to start receiving it.

You need to ring them - you won't just automatically get it. If you don't tell them you want to be paid, they assume that you want to defer it.

They will look at your NI record in order to assess how much you get.

They will usually transfer you to the Pension Credit department who will then check whether you qualify for pension credit. They will ask about your employment history if they have no record of tax and NI payments for recent years. Hope you have some good answers ready!

Incidentally, once you get to your State Pension age, you will not have to pay NI any longer.

Write your comments here...It's my 65th birthday on 18th August, KjellNN, so I suppose I'll need to apply for my state pension on that date or can it be done earlier? I wonder whether it is paid weekly or monthly. If monthly, I presume I'll receive the first payment on 18th September, is that right? Perhaps they allow you to choose whether weekly or monthly? Do I need to apply to stop NI contributions?

Getting very close now! I think your afternoon in the relaxer needs to be spent speaking to pensions people. Have you not received any communication from them or checked out the government pension webpages??  Best be on the case asap.  They may well check out your current situation, NI contributions etc as that is what you're pension is based on. I know someone who is 65 about a month after you and knows how much and when payable already.  Be pro active on this ocassion ?

Write your comments here...Thanks, Bakers2. I've just been on the phone to the state pensions department and it was all completed over the phone. They took my bank details as it will be paid directly through the bank. The first payment will be three weeks after my 65th birthday and every four weeks thereafter.

Malcolm you are generally given very good and accurate advice on here, you've just seen what happens when you act on it .  IanH gives good advice because of his CAB work check out his post above.  Hopefully you'll now know much and when you have money coming in and you can start to live and enjoy life and if you need additional income find something that pays the living wage and doesn't wear out your car.