TDYER63 Posted September 23, 2023 Share Posted September 23, 2023 On 9/22/2023 at 11:14 AM, slasher said: At the moment I’m just daydreaming Tidy, as you know I have two very expensive daughters to put through uni. At the moment I’m thinking I could maybe drop a day in 4 years when I’m 60. Of course all bets are off if redundancies come up! To be honest your experience could be a good barometer for me so let me know how you go! No harm in daydreaming S , you never know what’s round the corner, sometimes its actually good news ! 😊 Will let you know how it goes though a potential trip to Germany is probably not a great start to surviving on a pension. I might need to introduce some creative accounting. Quote Link to comment Share on other sites More sharing options...
RDFH64 Posted September 23, 2023 Share Posted September 23, 2023 On 9/22/2023 at 10:15 AM, slasher said: Has anyone tried dropping a day or two and gone down the partial retirement route working a 3 or 4 day week? This is an option for me, I just don’t know that it’s a particularly good one financially. Started part time in May this year. Worked 2 weeks (84 hour week) on 12 hour nights & days then 18 days off, now only do the 1 week 18 days off then 1 week 38 days off on half pay. Wish I could have done it years ago 😁😁😁 Quote Link to comment Share on other sites More sharing options...
Kirk Posted September 25, 2023 Share Posted September 25, 2023 All this chat of retirement 😭 I'm only 34 though haha, have just taken on a second van/delivery run and going well so far for the first month. One of my best mates now working for/with me and glad it's someone I can trust. If we work hard at this for the next 15 year early retirement could be a go for both of us. Quote Link to comment Share on other sites More sharing options...
Jersey Jim Posted September 25, 2023 Share Posted September 25, 2023 On 9/23/2023 at 1:23 PM, TDYER63 said: No harm in daydreaming S , you never know what’s round the corner, sometimes its actually good news ! 😊 Will let you know how it goes though a potential trip to Germany is probably not a great start to surviving on a pension. I might need to introduce some creative accounting. I'll be 60 in 16 months time, it has been my intention for a long time to retire then, I'm now getting cold feet and thinking about leaving it for another 2 years. On the other hand I've had a horrible year with bereavements and makes you think more that 'life's too short'. Another couple of financial hurdles will be our lot spending 2 week in Germany next summer, and following St Mirren on their long road to European glory next season. 🙂 Quote Link to comment Share on other sites More sharing options...
Big Ramy 1314 Posted September 25, 2023 Author Share Posted September 25, 2023 5 hours ago, Jersey Jim said: I'll be 60 in 16 months time, it has been my intention for a long time to retire then, I'm now getting cold feet and thinking about leaving it for another 2 years. On the other hand I've had a horrible year with bereavements and makes you think more that 'life's too short'. Another couple of financial hurdles will be our lot spending 2 week in Germany next summer, and following St Mirren on their long road to European glory next season. 🙂 Exactly Jim. I was blessed I could retire at 55 with a full pension. What you said at the end pal. My old gaffer rang me last week funny enough. A lad I worked with for 20 years, his wife passed away from cancer Friday, she was 38. A month ago she felt some discomfort in her stomach, went to doctor, ran tests, stage 4 cancer, she died 29 days later... She was 38 ???? You never know Jim what's round the corner, that had alot to do with my decision to retire. I loved my job, but I am at an age when shite starts to happen. Like I said, I am lucky with my pension, I loved my job, but I love being retired. I now have a wee part time job, and still have freedom to fish, kayak, long walks with my dog Walkace🏴. My advice, and only my opinion through experience, retire when you can, you only live once.... All the best Jim.... Oh, and good luck with that European run...😏 Quote Link to comment Share on other sites More sharing options...
RDFH64 Posted September 25, 2023 Share Posted September 25, 2023 5 hours ago, Jersey Jim said: I'll be 60 in 16 months time, it has been my intention for a long time to retire then, I'm now getting cold feet and thinking about leaving it for another 2 years. On the other hand I've had a horrible year with bereavements and makes you think more that 'life's too short'. Another couple of financial hurdles will be our lot spending 2 week in Germany next summer, and following St Mirren on their long road to European glory next season. 🙂 It was all believable until that last sentence 😜 Quote Link to comment Share on other sites More sharing options...
Squirrelhumper Posted September 25, 2023 Share Posted September 25, 2023 On 9/22/2023 at 10:15 AM, slasher said: Has anyone tried dropping a day or two and gone down the partial retirement route working a 3 or 4 day week? This is an option for me, I just don’t know that it’s a particularly good one financially. I dropped a day and condensed my hours. Best work related decision i ever did. Still do the same hours but just have a friday off. Sadly be 20 years before i can retire! Quote Link to comment Share on other sites More sharing options...
TDYER63 Posted September 25, 2023 Share Posted September 25, 2023 6 hours ago, Jersey Jim said: I'll be 60 in 16 months time, it has been my intention for a long time to retire then, I'm now getting cold feet and thinking about leaving it for another 2 years. On the other hand I've had a horrible year with bereavements and makes you think more that 'life's too short'. Another couple of financial hurdles will be our lot spending 2 week in Germany next summer, and following St Mirren on their long road to European glory next season. 🙂 As you get older you naturally find you are losing people due to illnesses , and it does give you a bit of a wake up call about what is important in your life. Unfortunately most of us will have restrictions surrounding retirement, main one probably being financial constraints , but cutting back on your hours can be a decent compromise if that is available. You keep that Jersey airport open Jimmy I am sure they would rather have you doing reduced hours than not being there at all 😊 However there is absolutely no compromise whatsoever on Germany and The Buddies European tour 💪 Quote Link to comment Share on other sites More sharing options...
TDYER63 Posted September 25, 2023 Share Posted September 25, 2023 1 hour ago, Big Ramy 1314 said: Exactly Jim. I was blessed I could retire at 55 with a full pension. What you said at the end pal. My old gaffer rang me last week funny enough. A lad I worked with for 20 years, his wife passed away from cancer Friday, she was 38. A month ago she felt some discomfort in her stomach, went to doctor, ran tests, stage 4 cancer, she died 29 days later... She was 38 ???? You never know Jim what's round the corner, that had alot to do with my decision to retire. I loved my job, but I am at an age when shite starts to happen. Like I said, I am lucky with my pension, I loved my job, but I love being retired. I now have a wee part time job, and still have freedom to fish, kayak, long walks with my dog Walkace🏴. My advice, and only my opinion through experience, retire when you can, you only live once.... All the best Jim.... Oh, and good luck with that European run...😏 That is dreadful news about your workmate’s wife Ramy 😞 Quote Link to comment Share on other sites More sharing options...
Big Ramy 1314 Posted September 25, 2023 Author Share Posted September 25, 2023 1 hour ago, TDYER63 said: That is dreadful news about your workmate’s wife Ramy 😞 He is in complete shock, as we all are. Going to the wake on Thursday. I am retired, but have to show my workmate respect. It's so very sad. They also have a young daughter.... Heartbreaking...😪😪 Quote Link to comment Share on other sites More sharing options...
Squirrelhumper Posted September 25, 2023 Share Posted September 25, 2023 We had a bad few years there with boys i go to Killie games with, lost 5 and not one of them was over 50 and two of them were in their 30s. Defo makes you think about life in general. Quote Link to comment Share on other sites More sharing options...
Big Ramy 1314 Posted September 25, 2023 Author Share Posted September 25, 2023 24 minutes ago, Squirrelhumper said: We had a bad few years there with boys i go to Killie games with, lost 5 and not one of them was over 50 and two of them were in their 30s. Defo makes you think about life in general. Certainly does mate. That's sad news SH...I have spoke with couple my mates around my age and they are looking into early retirement for that reason. Money isn't everything, but every situation is different. My wife has seen a big change in me since I retired. She said I am more relaxed as I suffer from an anxiety disorder. Alot of my anxiety was work related, so for health reasons retirement was good for me... Quote Link to comment Share on other sites More sharing options...
slasher Posted September 25, 2023 Share Posted September 25, 2023 I think a lot of people delay because of money concerns. It’s a tough judgment call and timing is everything but at the end of the day we are all different and what may be right for some may not work for others. This thread has been great as it gives lots of different perspectives 👍 Quote Link to comment Share on other sites More sharing options...
Big Ramy 1314 Posted September 28, 2023 Author Share Posted September 28, 2023 At Clannad in Toronto with Mrs.Ramy.... I am enjoying retirement. Great concert, dinner, hotel, get up, hot tub, pool.. Quote Link to comment Share on other sites More sharing options...
Big Ramy 1314 Posted October 3, 2023 Author Share Posted October 3, 2023 Made £220 quid today for playing 2 tunes at a Bagpiping gig.... Retirement has its privileges....👊🏴 Quote Link to comment Share on other sites More sharing options...
euan2020 Posted October 3, 2023 Share Posted October 3, 2023 On 9/21/2023 at 8:57 AM, Big Ramy 1314 said: On a more serious note, I am going to have to find a way to write off stuff as I have 2 incomes now, the taxman gonnae hammer me. My wife is designing a business website for me as I Bagpipe weddings, funerals, etc. I can use this to write off some of my expenses and claim it when I do my yearly taxes.. Fucking government dissnae miss a trick over here in Canada the bastards.... Other than that, I am enjoying retirement and my part time job as an Artist.....😂💪💪🏴🏴 can you not play some events in scotland on bagpipes, and charge small fee - and then offset your flights against your tax ? sure i have heard of something similar in Canada before Quote Link to comment Share on other sites More sharing options...
Big Ramy 1314 Posted October 3, 2023 Author Share Posted October 3, 2023 7 hours ago, euan2020 said: can you not play some events in scotland on bagpipes, and charge small fee - and then offset your flights against your tax ? sure i have heard of something similar in Canada before It's worth looking into mate, I need to do something. The taxes here are mental... Quote Link to comment Share on other sites More sharing options...
Orraloon Posted October 3, 2023 Share Posted October 3, 2023 2 minutes ago, Big Ramy 1314 said: It's worth looking into mate, I need to do something. The taxes here are mental... Just pay your taxes, ya miserable fuker. You've obviously got a lot more money than you need. 😉 🤣 Quote Link to comment Share on other sites More sharing options...
Big Ramy 1314 Posted October 3, 2023 Author Share Posted October 3, 2023 2 hours ago, Orraloon said: Just pay your taxes, ya miserable fuker. You've obviously got a lot more money than you need. 😉 🤣 😂😂😂. If we ever meet pal, the pints are on me, no bother...🙂🙂🏴🏴 Quote Link to comment Share on other sites More sharing options...
TDYER63 Posted October 3, 2023 Share Posted October 3, 2023 1 hour ago, Big Ramy 1314 said: 😂😂😂. If we ever meet pal, the pints are on me, no bother...🙂🙂🏴🏴 🙄 You were less than 500 metres from me in the summer and you couldn’t get yer wallet out 😉 Ps You need to invest in a duster to change that blackboard…. Quote Link to comment Share on other sites More sharing options...
Big Ramy 1314 Posted October 10, 2023 Author Share Posted October 10, 2023 This just came in the post today. I absolutely love it, beautiful watch.. Happy Retirement again Ramy....🙂💪 Quote Link to comment Share on other sites More sharing options...
Orraloon Posted October 10, 2023 Share Posted October 10, 2023 Never understood this idea about giving folk a watch/clock when they retire. You're retired, WTF do you need a watch for? Quote Link to comment Share on other sites More sharing options...
Big Ramy 1314 Posted October 10, 2023 Author Share Posted October 10, 2023 2 hours ago, Orraloon said: Never understood this idea about giving folk a watch/clock when they retire. You're retired, WTF do you need a watch for? They sent me a catalogue mate, and I was able to choose my retirement gift. I got a ring for 35 years service, so I chose the watch for retirement. That way when I pass away, my boys, one will get my watch, and one will get my ring.... My wife will get my pension. Everyone happy...😂 Quote Link to comment Share on other sites More sharing options...
Big Ramy 1314 Posted October 19, 2023 Author Share Posted October 19, 2023 Working away at ma part time job. Hard man rearranging wool....🤣🤣🤣🤣 Quote Link to comment Share on other sites More sharing options...
Mitre Posted October 19, 2023 Share Posted October 19, 2023 58 is my target. Fingers crossed. 11 years to go. Quote Link to comment Share on other sites More sharing options...
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