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THOUSANDS of pension savers are overestimating their future retirement pot by as much as £50,000. Research from consumer group Which? highlights how a worrying number of people don’t know much money they’ll get from their state pension . In some cases, savers are expecting up to £50,000 more than they’ll actually get, which could cause them money difficulties in later life. It also means some people could be saving far less than they need to in their private pensions, due to thinking that they’ll be getting a larger sum from the government. Which? found three in 10 people are overestimating their future state pension payments. In the biggest of pension gaps, one in 10 savers thought the state pension is worth £200 a week or £10,400 a year on average. What are the different types of pension? WE round-up the main types of pension and how they differ: Personal pension or self-invested personal pension (Sipp) - This is probably the most flexible type … [Read more...] about Simple pension pot error could leave you with £50,000 less than expected

THE state pension is a regular payment most people claim when they reach a certain age in later life. It's different to your workplace or a private pension , with the time you can apply for it depending on when you were born. In May 2014, the government changed how the state pension system works , with the goal of making it simpler. In order to get a state pension you need to pay National Insurance contributions (NICs), and have built up a minimum number of years' worth. How much is the state pension? Men born on or after April 6, 1951, or women born on or after April 6, 1953, will be able to claim the new state pension. For those who reached the state pension age before April 6, 2016, you’ll be getting the old state pension, known as the basic state pension. The full new state pension is £175.20 per week , while the previous full basic state pension was £134.25 per week. If you've accrued NICs under both the old and new pensions, you'll receive a state … [Read more...] about How much is my state pension and what age can I claim it?

FAIR play to those sly old dogs at ITV. They’ve discovered something Gordon Ramsay is worse at than hosting BBC1’s Bank Balance. It took them less than 72 hours to do it as well. All they needed was Saturday Night Takeaway ’s Read My Lips game, a pair of headphones to muffle the noise and some bloke in Llanelli called Jamie bellowing mystery food items at Gordon via Zoom. “Sushi. SUE SHE. SUUUUE SHEEEEE,” he kept screaming at the clueless chef, who couldn’t even win poor Jamie the free holiday when he heard himself asking: “Sue who?” Nor was Gordon able to help out any of the other contestants, Rizwan, Lorna or Mala, in Manchester, who almost ate the camera in frustration, shouting: “CAR BON-ARA. CAR-BON-ARA. CAR-BON-ARA,” because it was just one of those nights when anything that could go wrong did go wrong on Ant & Dec’s Saturday Night Takeaway. Audible obscenities, inappropriate jokes about Stephen Mulhern’s genitals, misfiring props, games where no one won … [Read more...] about Gordon Ramsay’s Saturday Night Takeaway goes straight into the bin