CB Saint

I suspect that he is saying that spitting at someone is a criminal act as well (albeit not as serious as racial abuse) but nothing is done about it, as is throwing punches etc. Where does the line get drawn. I think you are being a little provocative saying that sour mash considers spitting is as serious as racial abuse.

The biggest knob is that prentis bloke squealing about getting the police involved. Most people suspect that Clarkson is a prat, however prentis has confirmed his own status beyond all doubt.

The only way is to make compulsory. 10% employee and matched by employer, but who hell can afford that

Whatever happens the CPS will makes a balls of it

http://www.vodafone.com/content/annualreport/annual_report11/downloads/vf_ar2011_postemploymentbenefits.pdf There you go - they spent £134m on pensions last year

I'll have a few quid on that - vodafone have around 90,000 employees - £1,000 pa into the pensions isn't going to go far

A super tax on everyone receiving a state funded final salary scheme pension, as these people will be the new uber rich in 30 years time.

15% contributions was pretty mega These days (outside financial services) i suspect it is a lot less. B&q give 3%, as do many companies, I worked for one company who said I would have to take a pay cut to cover the employer contributions if I wanted to cover the scheme!! The larger multinational are better, however so many people are employed by smaller businesses who cannot afford to make these payments. The issue highlighted above where employees elect not to join a scheme is unfortunately prevalent. Someone in their twenties is more often than not paying 9% towards their student loan, paying rent and trying to save for a deposit for a house, on top of trying to live a lifestyle of sorts. Pensions don't even register, or they cannot afford to pay the contributions. That will all change next year when pensions become compulsory.

Then stop feeding him.

I happened to me where the old cow we were buying from pulled out at the last moment without any reason costing me about £3,000. When a offer is accepted, both parties should be required to lodge a couple of thousand quid with the solicitors which can then be handed over if the other party pulls out

pick the mirror and the mail - the truth is somewhere in the middle

Hmmm... and they didn't think that HMRC would suspect something?

I've really missed this guy

Perhaps pay should be increased, at least we pay for it in the here and now and don't have some open ended liability coming at us for future generations to pay.

Why not do away with final / average salary altogether for new entrants. Fair enough the accrual may be lowered now, but what happens in 30 years time when we are all living another 20 years longer. We will be in the same boat.

The average pension to date would also be pulled down be those who only worked for say 10 years. I would be interested to know what the average penison was of some one who spent their entire career (ie 40 years) in the public sector. wrt the audit, if the results of that stated that the public pensions were unaffordable in the future, would people accept that the pensions would have to be reduced and retirement ages extended, or would they refuse to accept it and demand that they are still honoured. Fwiw I am uncomfortable with the fact that changes can be made retrospectively to someones pension. I can appreciate the sentiment that it wasn't the deal that they signed up for, although the world is a much different place these days. However, why not move to a money purchase scheme for all new entrants - at least we would be able to eventually cap the problem in the long term.

BTF, I know we don'y see eye to eye on this, but are your seriously suggesting that I should sacrifice higher rate tax relief on my pension contributions, in order to safeguard final salary pensions of the public sector? Iis hard enough to try to get together a decent enough pension even with the tax relief, without making it twice as hard. Have you seen the money purchase annutiy rates? To get your £4000 pension indexed linked, I have to find a pension pot of £100,000. If you then look at some of the public sector final salary schemes and what can be expected to be paid out especially to some of the higher earners, can't you see why the private sector workers resent it so much. Even if they were getting a modest pension of say £20k pa, a worker in a money purchase scheme who have to save between £400 to 500k - that is beyond all but the most highly paid private sector workers.

Dune, there are occassions when some of your posts can be described as eccentric, but today you seem to be trying to earn extra credits.

I can see limited multiplayer appeal

Pay day tomorrow ha ha ha!!

Never in doubt

Shut up dm ffs

Well if the £10.5 m was advanced to PFC as a loan, then PFC are in the sh1t. The administrator will be obliged to collect it.

Come on Saints, make this a perfect day

Probably can' t afford it