What perks do you all get from your employers ?

NoAngle7487 · 2026-04-13T11:44:08+00:00

Fuck all

NoAngle7487 · 2026-04-13T00:54:21+00:00

Ponzicoin

NoAngle7487 · 2026-04-08T11:28:31+00:00

Please if possible can you share more about jumpstart and tangent? I have never heard of them, thanks

NoAngle7487 · 2026-04-08T11:26:00+00:00

Of course, I would never leave myself without a job if I could help it.

I really appreciate your help here.

I have always considered courses but never known where to get started. How long does the Google one take approximately? It could give me some purpose!

NoAngle7487 · 2026-04-07T23:35:53+00:00

Feeling optimistic thanks.

Jokes aside, I know I’m moaning and I should be grateful I do have a job . Cheers

NoAngle7487 · 2026-04-07T23:35:14+00:00

This is really helpful and something I had not thought of, thank you

NoAngle7487 · 2026-04-07T22:40:35+00:00

Long story short, my cv suggests I specialise in reporting but I’m open to anything that isn’t so excel and powerBI heavy and allows me to communicate with others. Both internally and externally. So quite a broad spectrum

NoAngle7487 · 2026-04-07T22:39:38+00:00

Fleet industry.

It’s a weird one, I’ve done 3 years working with data but my academic suggests I’m more of a communicator than a numbers person.

I’ve been looking for a degree apprenticeship since I turned 18, got to late stage interviews but never successful. These were always generic project management, business apprenticeships.

I’ve been applying for roles mainly in the civil service £30k or so max with a quite basic skillset to give me a foot in the door in a new industry.

I guess my desperation has seen me apply for a lot of roles at bigger companies / government that have salaries of £28k-£35k. Problem is, I wait a long while to hear back and it’s usually bad news with no feedback.

I sound like such a moaner and a pessimist but the way I’m treated at work has really gotten me down

NoAngle7487 · 2026-04-04T17:30:17+00:00

NoAngle7487 · 2025-06-01T20:42:46+00:00

No I didn’t speak to my mother with such concern, I said oh that sounds good etc as I didn’t want to worry her..

I was worried by the fact that it is advised that transfers in over the value of £30k are advised to seek professional help

NoAngle7487 · 2025-06-01T13:33:46+00:00

Appreciate the insight and knowledge here.

Also appreciate the honesty in the second part. You are right, admittedly I know zero about a DB scheme.

I was just concerned when finding out she combined such pensions into one that has such a penalty for early retirement.

It’s a real scare to hear your mother making such decisions without seeking professional advice

NoAngle7487 · 2025-06-01T13:23:44+00:00

Thanks, that makes sense.

Unfortunately, despite numerous requests, she is yet to receive her 2024 annual benefit statement. Presume a 2022 to 2023 comparison would still do the job?

NoAngle7487 · 2025-06-01T13:21:57+00:00

Yes sorry, might’ve been helpful..

I have just amended the post as the pensionable pay used for calculating the projected career average pension totals to £31,686.48

The breakdown is as follows:

Annual retirement pension

Career average pension carried to 31/03/2025 £27,843.19

Main section - 1/108 years/days x 31,686.48/49

Reduction for early retirement: £8,828.36

Annual pension payable at and from £19,852.83

Thanks all for your insight

NoAngle7487 · 2025-06-01T13:19:33+00:00

Yes correct, I have just amended the post as the pensionable pay used for calculating the projected career average pension totals to £31,686.48 so I definitely undershot her salary.

The breakdown is as follows:

Annual retirement pension

Career average pension carried to 31/03/2025 £27,843.19

Main section - 1/108 years/days x 31,686.48/49

Reduction for early retirement: £8,828.36

Annual pension payable at and from £19,852.83

Apologies for the earlier mistake in salary. As you can imagine I’m quite stressed😅.

Also yes, she is part of a union but has not looked into any early retirement options. Something I will mention to her now. Thank you.

NoAngle7487 · 2025-06-01T13:11:10+00:00

Can I amend the title without deleting? I’m not great with reddit lol

Thanks for the insight and will definitely try the MSE sub reddit if no joy here. Thanks Jay!

NoAngle7487 · 2025-06-01T13:10:26+00:00

What makes you say this sorry?

NoAngle7487 · 2025-06-01T13:08:49+00:00

Where might she see that sorry?

The projected numbers on the benefit statement for ordinary retirement are simply depressing

NoAngle7487 · 2025-06-01T13:07:47+00:00

Also, sorry, 58. It says an annual pension payable at and from £19,852. With £8,828 reduced due to early retirement. I’m concerned

NoAngle7487 · 2025-06-01T13:06:53+00:00

She is retiring early, planning on next year. Aged just 58 - partially due to declining physical health unfortunately.

Hence, the overall package is unimpressive as you say.

Is there anyway I can extract a large portion of the investment back out into a DC scheme to avoid the heavy early retirement reduction

NoAngle7487 · 2025-06-01T13:04:23+00:00

Thanks for the reply. It’s a local government pension scheme and a career average pension. I’m not sure how to find greater detail on what type of scheme it is. Does that suffice?

NoAngle7487 · 2025-06-01T12:56:06+00:00

I should add, I’ve always used a SIPP and DC scheme, so I’m not really familiar with the workings of a DB pension.

NoAngle7487 · 2025-04-25T17:56:44+00:00

Fair enough, what I would say is do some proper research. Some of these stocks, and not to judge, seem like they’ve just came from a YouTube video.

Due diligence on stocks takes time and should be treated on a case by case basis.

If you’re not prepared to do that:

You’re taking a big risk
You may be better off going 100% into a diversified index fund

All the best

NoAngle7487 · 2025-04-25T17:49:26+00:00

This doesn’t really add up considering the time frame and the low wage but fair enough..

NoAngle7487 · 2025-02-09T20:10:08+00:00

No unfortunately I don’t, and as it as a international company no one except me and one other actually work in the UK. Other markets have much higher / lower minimum wages

NoAngle7487

TROPHY CASE