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About sandyf

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  1. I haven't read the US agreement, it will be somewhere online, it may only cover pensions but would still be a social security agreement as they are seen as a social security benefit. Your last sentence is absolutely spot on, and majority of the UK population don't even the know the practice of freezing pensions even exists. The WASPIs got high level media coverage because they are in the UK, as expats we are P'ing in the wind. https://www.waspi.co.uk/
  2. What you need to enter on the form is the gross amount and the tax paid, a P60 is certainly the easiest way to get the info. You should know what the gross annual amount is, it will either be fixed or variable, if variable then the pension provider should notify you of the new amount prior to the start of each year. You will know from your account what you receive in the year, so add up the payments and deduct from the gross amount to get the tax paid. If you don't have the notifications from the pension company the best solution is to request a P60 for the years concerned.
  3. I would tend to agree, looks like differential shrinkage where the wall surface dries out quicker than the concrete pillars and beams. The walls are still tied to the concrete with the steel inserts. Normally on external walls they will run a small indent down the side of the pillar to reduce the surface thickness and minimise the risk of cracks developing. It is a cosmetic exercise and probably best results from a flexible filler.
  4. Those concerned with the frozen pensions issue ought to read the transcript of this debate held in 2016. https://hansard.parliament.uk/debates/GetDebateAsText/16051148000001
  5. I take it you mean Nick Clegg, at least you got an answer. As a veteran I wrote to Johnny Mercer and he never bothered to respond. There has been debates but none during the Social Security Act. Many on here decry the SNP but Ian Blackford has been one of the loudest voices on the issue. This is what he said during a debate in 2016. "The present Chancellor of the Exchequer,(George Osborne?), during a debate on the Pensions Bill in the 2003-04 Session, when shadow Chief Secretary to the Treasury, said: “If the system worked in the way that most people think, it would not matter where a person lived”––[Official Report, Pensions Public Bill Committee, 18 March 2004; c. 256.] I have not said this before, but on this occasion I agree with the Chancellor: it should not matter where a person lives. I appeal to the Minister to reflect on those words from his colleague, the present Chancellor. He spoke those words while in opposition, but each and every one of us should be judged by our deeds in government. It is not good enough to say the right thing when in opposition, and then, when in government, claim that it is all about cost. Let us today do the right thing. Let us unite in the House, standing up for all our pensioners, regardless of domicile." https://hansard.parliament.uk/debates/GetDebateAsText/16051148000001
  6. You would have to be more specific. UK state pension in Thailand is frozen so they cannot take away what you are not getting in the first place. Occupational pension funds could be a bit vulnerable but the most likely casualties are the UK taxpayers.
  7. I used to be an IT consultant on Sage software and haven't really seen Office since I retired in 2008. Not much use for it and I have old versions of Word and Excel that suffice. If someone mentions Outlook, Office is not the first thing that comes to mind. Glad you are sorted.
  8. When I had problems with getting a new passport in 2014 I got in touch with the embassy. They pulled strings in the UK and saved the day. You cannot please all of the people all of the time, and it only really counts when we need it.
  9. There is no mystery. Reciprocal Agreements are not about pensions, they are about social security and pensions are part of that, but an agreement can be in place without pensions being involved. The UK has an agreement with Canada but at the time it was drawn up the Canadian state pension could not be exported so pensions were not included. Since then the Canadian government has changed the law but the UK has never agreed to the agreement being amended so expats in Canada do not get the increases. I think it was about 30 years ago government policy changed and it was stated that there would be no more Social Security Reciprocal Agreements. It will be interesting to see what happens with the EU. The current agreement must come to an end and if they introduce a new one it will fly in the face of government policy. The legislation that prevents overseas pensions being index linked is embedded in the Social Security Act which comes before parliament every year. The problem is that the government controls business in the house and they only allow time for the changes they propose to be debated, what attempts there has been to bring the matter before the house have never seen the light of day. Unfortunately, unless there is some procedural change in the house the matter will never be debated far less go to a vote.
  10. Yes it is your understanding that is flawed. The annual increment is cumulative and after 8 years my pension is over £30/week less than it should be.
  11. From this post we are obviously at cross purposes. What you are referring to is Office Outlook, an email client for the Office suite and I didn't know it was still around. Came across it years ago when I worked in business but was never really familiar with it. What I thought you were referring to was Outlook.com which superseded Microsoft Hotmail. Apologies for the confusion but I would suggest you have a look at Outlook email, proper name is Microsoft Mail and Calendar, much more user friendly than Gmail. I have 2 Gmail accounts and a Googlemail account that I have added to my Outlook email. There is also an app for your phone which can also consolidate all email accounts. Confused as to what is Outlook, whether Outlook 2010, 2013, 2007, vs Outlook in Office 365 or Outlook.com? Don’t worry, you aren’t the only one And as you have probably already discovered, the same apps and add-ins don’t always work with the various “Outlooks” out there, so it is important to figure out which Outlook you are using! http://blog.evercontact.com/what-is-the-difference-between-outlook-office-365-how-to-choose-get-automatic-contact-updates-either-way/
  12. With covid the government were handed a 'get out of jail free' card, pick up the blame for everything for years to come. For example, loss of protected names will be the result of business being shut down by covid rather than trade deals.
  13. So you believe that countries like Thailand and New Zealand do not have a sensible approach, "sensible" only applies where there is escalating number of infections.
  14. I think you have misunderstood something, neither LPFA or DWP would have any say in the amount of tax or the code number being used. That would come from HMRC. DWP pay you a pension which is taxable but free from tax, no code involved. LPFA pay you a pension and deduct tax according to the code from HMRC. If you code is 7L, then for arguments sake if your pension from LPFA was £5070/year, then you would pay tax on £5000, as you would be allowed £70 tax free. Your total tax for the year would be around £1000.
  15. That is correct. A couple of years ago I wanted to change the renewal period on my extension so on a trip to the UK I came back on a SE non O, or so I thought. It wasn't until I arrived in BKK I noticed they had issued a Non B by mistake, not that it made much difference as I wouldn't have had the time to get it corrected in the UK. I didn't think it would be a problem but when I went to get a retirement extension they refused and sent me to MFA to get it changed. The MFA agreed that immigration were right in what they did.
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