She's been very lucky to have retired at the time she did, that's for certain. But also, in many ways, she was unlucky to have been denied a great many opportunities earlier in her life. Today, you'd… (View Post)

Agreed, and it's largely a problem in the south-east of England. There's almost an 'unhappy medium' - people who've studied hard and have done well for themselves and are in the sort of good, stable … (View Post)

For a completely arbitrary example, take the case of my granny. She's recently turned 90. Still fairly spritely for her age, though she has slowed down a bit in the past couple of years. Left school … (View Post)

State pension: £11,502. Marginal tax rate: 0% Universal credit: £4,425. Marginal tax rate: 55% I had no idea the difference between the two was so great. How can that possibly be justified? (View Post)

I fully understand that there are issues around the number of qualifying years needed - but with the pension age now at 68, the requirement to have 30 qualifying years is going to be achievable for a… (View Post)