Return to work? 8th June? 29th June? 20th July?

[john m]

Any of you younger individuals given any consideration to returning to full time education doing a degree only cost you 10% of the fee and you can continue to work .Its going to be slow for a while .Something to do with climate change  or energy conservation might get you a job after .Might be an idea we spend enough time on her if we spent it studying it might line your pocket.

[mercenary for hire]

I'll include myself even though I'm 43...
Yeah I was gonna do a course in something but the reward at the the end isn't high enough for the hours I'd need to put in.

If I ever go back to work I'm planning on clearing the mortgage in 6 years.Next year hopefully more travelling now that the dog is gone to the glue factory.Weekends away and bigger holidays assuming the world opens up again.Pension I don't worry about.

I'll be semi-retired by 50( bit like now) but working more and travelling more.Basically taxi driving to holiday.

Then I'll come on here and tell the young lads how they're doing it all wrong..oh I'm kinda doing that already.I honestly haven't a clue just going with the flow.

[Bob Shillin]

"Pension I don't worry about".

Are you ok if, may the force forbid, you contract a serious illness?

[john m]

Was only saying to her that minds me .If she thought I could ever return to a 9 to 5 with two weeks holiday depending on the whim of me boss man .She had the good sense not to answer just gave me one of those fuck off you idiot looks .I think there is more to being self employed than the wages .I use to make a reasonable return on betting but I lost the discipline Powers and the others offer to many gambling opportunities and you end up betting on things you know nothing about .

[mercenary for hire]

"Pension I don't worry about".

Are you ok if, may the force forbid, you contract a serious illness?

I've looked into the pension thing and it almost seems like another mortgage.A decent pension fund would need 100s of thousands.Paying so much when the bank is charging me 2.75% on the house seems like an inefficient use of my limited funds.

If something horrible happens I'll be looking for state support.I expect to be working passed or up until my pension age.Its at least 23 years away.So I'll make a definite decision when the gaff is paid off.Might just take a cyanide pill at retirement..

The better half has a bit of a pension but I don't want a cent of it. That would be unfair.

I'd rather do the travel thing now than wait till I'm 70 and further mentally and physically diminished.

[Bob Shillin]

Sounds like a plan, anyway I'm probably the least qualified to comment on future planning.

[mercenary for hire]

I'm probably just justifying doing nothing with excuses...

Everyone's situation is different.Stable fees,Kids, College fees etc.

Maybe with the removal of cash from our business over time, funnelling money into a tax-efficient pension might be a smarter move.Right now I'll keep an eye on it.

[john m]

My gaff is/was my pension if the kids move out .Sell it give a lump to some housing association for some sort of housing and live off the rest .

[dalymount]

Id say if the NTA introduced a buy back scheme,the amount of hands that would go up,they wouldntbe able to cope with

[Bob Shillin]

"Stable fees", Fuk sake, yeah, nearly forgot, in my early 30's I had a hunter in livery €65 pw. when I was fab. When I bought him for €2k the vet said he was 11, when I sold him 2 years later for €600, another vet said he was 17. Had great crack on him for a couple of years though.

[john m]

Id say if the NTA introduced a buy back scheme,the amount of hands that would go up,they wouldntbe able to cope with

Why would they introduce a Buy back scheme .If you cant make wage you go out of business the industry is designed to self regulate .Work it or lose it .

[markmiwurdz]

Id say if the NTA introduced a buy back scheme,the amount of hands that would go up,they wouldntbe able to cope with

Why would they introduce a Buy back scheme .If you cant make wage you go out of business the industry is designed to self regulate .Work it or lose it .

Seriously though how long would 6 large do you for if they did?

[mercenary for hire]

If they introduced a buyback scheme some might take it and by a 5.5-year-old mini what like Panel.

^^^I was joking Bob about the stable fees but during the really bad years some of the keshies used to work in town.One chap used to be putting in at least 14 hours a day regularly.Lovely bloke.

When I asked him what he spent his money on as he lived in modest gaff.His car was on it's third engine in so many years and his two adult children needed petrol for their cars and his daughter had stable fees for her horse due.Kinda put things in perspective a little.

Some lads have it rougher than others.A lot of it is self-inflicted too.

[Theoneandonly]

My gaff is/was my pension if the kids move out .Sell it give a lump to some housing association for some sort of housing and live off the rest .

Kids moving out 

[Rat Catcher]

Buy back scheme? Most of the lads on here paid IR£5,000 for their plates. FFS, I've lost more on the turn of a playing card.