Re: [Ql-Users] The forgotten half
Malcolm Cadman wrote: In message [EMAIL PROTECTED], Billy [EMAIL PROTECTED] writes I retired from work two weeks ago so I hope to rekindle my interest - so far I have not had time ( I'm still a few weeks off full recovery from mitral valve replacement) If Roy reads this then I should explain that due to my retirement and not having full knowledge of what value my pensions will be ( thankyou bankers ) I did not renew my subscription to QLWorld, but hopefully when the dust settles funds will allow me to resubscribe. All the best - Bill Hi Bill, I hope that you do get fit again. And that you enjoy your retirement. Your pensions should hold up, as it is the beginning of a recession ... future pensions may suffer more. You have always made a good contribution to this List. Where would the nearest User Group meeting be for you now ? Thanks for the thoughts Malcolm I'm fit enough and my local health care group are pretty good, in fact most of my time seems to be taken up seeing people who want to keep me healthy. The nearest group would be the group that meet around Edinburgh somewhere ( is it Thornhill or Livingstone?) not much further than I used to go to Newcastle I think. I've often thought about going up there but never really had the time to go, now I'm retired I might make it. All the best - Bill ___ QL-Users Mailing List http://www.q-v-d.demon.co.uk/smsqe.htm
Re: [Ql-Users] The forgotten half
I retired from work two weeks ago so I hope to rekindle my interest - so far I have not had time ( I'm still a few weeks off full recovery from mitral valve replacement) Best wishes for a swift recovery. Nice to hear you hope to be more active now! If Roy reads this then I should explain that due to my retirement and not having full knowledge of what value my pensions will be ( thankyou bankers ) I did not renew my subscription to QLWorld, but hopefully when the dust settles funds will allow me to resubscribe. I presume you meant QL Today - QL World is QL Yesterday now... to paraphrase George Gwilt's recent comment ;-) -- Dilwyn Jones ___ QL-Users Mailing List http://www.q-v-d.demon.co.uk/smsqe.htm
Re: [Ql-Users] The forgotten half
- Original Message - From: Billy [EMAIL PROTECTED] To: [EMAIL PROTECTED] Sent: Thursday, October 23, 2008 9:56 PM Subject: Re: [Ql-Users] The forgotten half The North East Group died out a few years ago, I still read this list and fire up QPC now and then. I retired from work two weeks ago so I hope to rekindle my interest - so far I have not had time ( I'm still a few weeks off full recovery from mitral valve replacement) If Roy reads this then I should explain that due to my retirement and not having full knowledge of what value my pensions will be ( thankyou bankers ) I did not renew my subscription to QLWorld, but hopefully when the dust settles funds will allow me to resubscribe. Thanks for the message. I know the problem of pensions as I had all that last year. I hate to make all you UK wrinklies jealous but half my income now comes from the Netherlands. My 62% UK state pension is £60.73 p.w. plus a single heating allowance of £250 each year. My 40% Dutch state pension is (at the latest exchange rate) £72.32 p.w. plus an extra single payment of £300 holiday money each May. If you have the time or an opinion, I'd like a little help. I suspect there are many Quanta members in your situation although in your case there is an additional problem that you live in a distant part of the country. How could Quanta best serve members like you? Best Wishes, Geoff ___ QL-Users Mailing List http://www.q-v-d.demon.co.uk/smsqe.htm
Re: [Ql-Users] The forgotten half
In message [EMAIL PROTECTED], Billy [EMAIL PROTECTED] writes Malcolm Cadman wrote: In message [EMAIL PROTECTED], Billy [EMAIL PROTECTED] writes I retired from work two weeks ago so I hope to rekindle my interest so far I have not had time ( I'm still a few weeks off full recovery from mitral valve replacement) If Roy reads this then I should explain that due to my retirement and not having full knowledge of what value my pensions will be ( thankyou bankers ) I did not renew my subscription to QLWorld, but hopefully when the dust settles funds will allow me to resubscribe. All the best - Bill Hi Bill, I hope that you do get fit again. And that you enjoy your retirement. Your pensions should hold up, as it is the beginning of a recession ... future pensions may suffer more. You have always made a good contribution to this List. Where would the nearest User Group meeting be for you now ? Thanks for the thoughts Malcolm I'm fit enough and my local health care group are pretty good, in fact most of my time seems to be taken up seeing people who want to keep me healthy. The nearest group would be the group that meet around Edinburgh somewhere ( is it Thornhill or Livingstone?) not much further than I used to go to Newcastle I think. I've often thought about going up there but never really had the time to go, now I'm retired I might make it. All the best - Bill Hi Bill, That all seems very positive. I know what you mean about Health, as I have not been well myself recently; and I have undergone an operation from which I am now recovering. I do hope you are be able to get to a User Group convenient to where you live, even if it not that regular. When we meet in the London Group, we seem to discuss Life, the Universe and Everything . :-) ... which is all a part of the benefit of face to face Meetings. Also having a common interest. -- Malcolm Cadman ___ QL-Users Mailing List http://www.q-v-d.demon.co.uk/smsqe.htm
Re: [Ql-Users] The forgotten half
When we meet in the London Group, we seem to discuss Life, the Universe and Everything . :-) ... which is all a part of the benefit of face to face Meetings. Also having a common interest. -- Malcolm Cadman I hope that the QLs get a word in edgeways from time to time ;-) -- Dilwyn Jones ___ QL-Users Mailing List http://www.q-v-d.demon.co.uk/smsqe.htm
Re: [Ql-Users] The forgotten half
On 24 Oct 2008, at 09:50, Billy wrote: The nearest group would be the group that meet around Edinburgh somewhere ( is it Thornhill or Livingstone?) not much further than I used to go to Newcastle I think. The Scottish Group used to meet in Stirling, then moved to Port of Menteih and later Thornhill. all these were within reasonable distance of both Edinburgh and Glasgow. Now we meet in Edinburgh at my house. So far the numbers are small enough for that. The meetings are normally on the second sunday of each month. George ___ QL-Users Mailing List http://www.q-v-d.demon.co.uk/smsqe.htm
Re: [Ql-Users] The forgotten half
In message [EMAIL PROTECTED], Dilwyn Jones [EMAIL PROTECTED] writes I retired from work two weeks ago so I hope to rekindle my interest - so far I have not had time ( I'm still a few weeks off full recovery from mitral valve replacement) Best wishes for a swift recovery. Nice to hear you hope to be more active now! If Roy reads this then I should explain that due to my retirement and not having full knowledge of what value my pensions will be ( thankyou bankers ) I did not renew my subscription to QLWorld, but hopefully when the dust settles funds will allow me to resubscribe. I presume you meant QL Today - QL World is QL Yesterday now... to paraphrase George Gwilt's recent comment ;-) Too true ... I had forgotten myself about the QL World magazine - although I have all my own copies stored away. May be now, the QL World, is here in hyper space . :-) ... ? -- Malcolm Cadman ___ QL-Users Mailing List http://www.q-v-d.demon.co.uk/smsqe.htm
Re: [Ql-Users] The forgotten half
In message [EMAIL PROTECTED], Geoff Wicks [EMAIL PROTECTED] writes - Original Message - From: Billy [EMAIL PROTECTED] To: [EMAIL PROTECTED] Sent: Thursday, October 23, 2008 9:56 PM Subject: Re: [Ql-Users] The forgotten half The North East Group died out a few years ago, I still read this list and fire up QPC now and then. I retired from work two weeks ago so I hope to rekindle my interest - so far I have not had time ( I'm still a few weeks off full recovery from mitral valve replacement) If Roy reads this then I should explain that due to my retirement and not having full knowledge of what value my pensions will be ( thankyou bankers ) I did not renew my subscription to QLWorld, but hopefully when the dust settles funds will allow me to resubscribe. Thanks for the message. I know the problem of pensions as I had all that last year. I hate to make all you UK wrinklies jealous but half my income now comes from the Netherlands. My 62% UK state pension is £60.73 p.w. plus a single heating allowance of £250 each year. My 40% Dutch state pension is (at the latest exchange rate) £72.32 p.w. plus an extra single payment of £300 holiday money each May. If you have the time or an opinion, I'd like a little help. I suspect there are many Quanta members in your situation although in your case there is an additional problem that you live in a distant part of the country. How could Quanta best serve members like you? Best Wishes, Geoff Hi Geoff, Interesting what you are receiving in pension. The Basic State Pension is around £87 per week, for a single person, in the UK. Yet few people actually receive this, because it is Contributory through the Stamp - National Insurance Contribution ( NIC) - the latter being very appropriately named as an acronym .. :-) ... as is money that the Government nicks off you every week from your wage packet. However, the Government has recognised that the current level, for a single person, should be around £124 per week - to live on. So, what they have done is to make it up to this amount via the Tax Credit system. This system is beloved of Gordon Brown, yet it highly complex to administer and to understand; and very few people do. Even those who run it the Governments behalf. There has been a strong voice to just re-organise the Tax System in the UK to a much more simple basis - as yet, this has been resisted by the current Government. Thus, in your case, you would have to apply for the Tax Credit to make up your State Pension to the full amount of around £124 per week. It is not automatic, and the Form is a nightmare to complete; and many people find it intrusive. Because it is like a Means Test. Therefore millions of Pounds are not claimed back through the Tax Credit, by Pensioners, and the Government just pockets the money, and uses it for its own purposes. Another factor is that if you have personal savings above £6K ( not much these days ... ), your Tax Credit gets reduced on a scale. Also, whether you own your own Home, etc. In your case, again, your other Pension just takes you above the Tax Credit compensation amount; so you cannot apply anyway ... :-( I don't know of Bill's circumstances, yet it worth claiming the Tax Credit Top up if you fall below the £124 per week - despite the hassle. A friend of mine, who has just taken his own State Pension, has worked all of this out; and helped others to understand the complexity. Resulting in another person claiming back the Tax Credit that should have been due to her over a number of Years - resulting in a Lump Sum rebate. -- Malcolm Cadman ___ QL-Users Mailing List http://www.q-v-d.demon.co.uk/smsqe.htm
Re: [Ql-Users] The forgotten half
In message [EMAIL PROTECTED], Dilwyn Jones [EMAIL PROTECTED] writes When we meet in the London Group, we seem to discuss Life, the Universe and Everything . :-) ... which is all a part of the benefit of face to face Meetings. Also having a common interest. -- Malcolm Cadman I hope that the QLs get a word in edgeways from time to time ;-) Erm ... what are they ...:-) . ? Although, more often now it a QL Emulator . -- Malcolm Cadman ___ QL-Users Mailing List http://www.q-v-d.demon.co.uk/smsqe.htm
