15/09/2014 Inside Out London


15/09/2014

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Transcript


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Here's what's coming up on tonight's show.

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We go undercover to expose the scam that's costing its victims millions.

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There are numerous people who have said to me that they sometimes feel

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that the only way out of this misery is suicide.

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Why are so many others saying no to pensions?

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The first thing we've got to do is get millions of people

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into a pension at all, starting with young people.

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Why London is a pensioners' paradise.

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Older people are relaxed, they have learned to deal whth

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London, they can afford London, they like the pace.

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We're all being encouraged to save for our retirement ? something

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But have you ever been tempted to cash your pension in early?

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So`called pension liberation companies target people with

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tempting cash offers to reldase their funds early

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but don't mention the huge tax implications if you're under 55

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Tonight, Andy Akinwolere goes undercover to

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When we take out a pension, it's all about securing our future.

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But what happens if I want to cash mine in before I'm 55?

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Well, according to some companies, age is no barrier ? sounds

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In fact, that's what they c`ll it ? pension liberation.

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When Geoff from South West London needed to free up some cash,

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one scheme seemed particularly attractive.

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You're using your own money from all your pension plans into one pot

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so what could be better than using your own money to pay off a lot

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of outstanding debts without having to pay it back and no tax issues?

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The scheme freed up ?21,000 in cash but Geoff's relief was shortlived.

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First, the pensions' regulator, and then the High Court, ruled he'd

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taken what's called an unauthorised payment.

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Everything's now changed ? they want the money back

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The great thing about a pension is it's tax effichent

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In other words we get tax rdlief on it to encourage us to save

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And if you try to cash yours in before you're 55, cutting those

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You'll have to pay up to 70% of what you get back in tax.

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You actually cannot take anxthing from your pension until age 55.

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Now he might have to pay back the taxman thousands of pounds.

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Many of the people here had joined the same scheme.

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Some ? as they've told me ` face financial ruin.

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It's why they've formed this support group.

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The people who were selling these schemes were very, very crafty,

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very clever, very slick, very convincing and they believed

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What's the emotional impact been?

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There are numerous people who have said to me that the only wax they

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feel out of this misery is to commit suicide because there's no dscape.

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For those of us stuck in a financial hole, freeing up

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our pension pot might seem like the light at the end of the tunnel.

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But the people I've met so far say they were kept

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That's why I'm doing my own research.

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I want to find out if companies are really telling

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I can cash my pension in early and not pay tax.

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So we start with the initial pension ` ?37,600.

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This company is going to take away a certain amount in fees.

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What you're going to be left with is ?25,000 or 68% of your pension.

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What it doesn't tell you is that HMRC are going to take

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a further 55%, which leaves you with about 10%!

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But are companies setting out to mislead or just being short

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I'm hoping a few calls will help me to find out.

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We've chosen a selection of companies at random and H've

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asked pensions expert Richard Jacobs to listen in.

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I'm pretending I'm 48 so if I did cash in my pension, there

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You can't get money out of your pension before the `ge

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So the first company knows the rules.

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OK, so you never know. Maybe I won't be misled.

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Operation Scorpion might have something to do with that.

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It's what the police and pensions regulator are calling

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their crackdown on pension liberation companies.

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Since being set up, it's investigated a sector worth almost

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I want to know what Richard thinks of them.

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I'd just like you to listen to it and pick

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We've made clear I'm under 45 but need cash ? and fast.

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The money is generated at 20% of the valte of

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your transfer and those monies are paid back to

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Effectively you switch your pension fund and you will receive 20%

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already you're licking your lips at this. What are we hearing there?

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A scam. Whoever that business is, if money is coming out it's got to

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come from somewhere. There's no money magicked from somewhere.

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But that is pension liberation whatever name they put on it.

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But he knows I'm under 55 so I'll have to pay tax, right?

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No, because the money's not coming out of the pension ftnd.

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No tax liabilities to take your pension out early.

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In that case, he's going to lose his penshon.

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In fact, of the nine companies we contacted online and on the phone,

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That's left me feeling as miserable as the weather. So what's the

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We've raised awareness with the police, with providers.

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The important thing now is to raise awareness with consumers.

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I think it would be a zero sum game if we or any other agency

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What we need to get to consumers is if anyone comes to you

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and offers you access to your pension scheme before 55,

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Yeah, and don't the victims and their advisors know it!

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So I'm playing them something they need to hear.

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The money's generated at 20% of the value of your transfer

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and those moneies are paid back to you through another channel.

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It's the same spiel over and over again. I'm horrifidd that

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It's just shocking and the poor consumer doesn't know, is suffering.

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I just couldn't believe what I was listening to there.

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But if people are still being mhsled,

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I'm hoping Ruth Owen can answer that question.

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She's Revenue and Customs director general of personal tax.

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There are some innocent people being stung here left, right

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and centre. Are you trying to tell me then that people are acttally

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to have to pay this money b`ck even if they didn't know about it

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So if there was a tax due, HMRC has to apply it, that's the way the

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rules of the tax system work so yes, if you have accessed money from

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pension pot that breaks the tax rules then we do have to charge you

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the tax because you got a tax relief you

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weren't actually eligible to receive so you will be charged.

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What's there to protect consumers? What's there to protect

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Yeah, and I recognise that. I've seen many cases myself where really

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tragic circumstances where people have been misled and have lost

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I do really feel for the people who are involved. Some are real innocent

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victims in these situations but, from a tax point of view, wd have to

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the rule equally and fairly and if you have chosen to take your pension

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out of the safety of the retirement pension pot, tax will apply.

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A lesson the victims are learning the hard way.

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You're not sleeping and just giving everyone else

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a lot of grief at work and at home and it's tearing us apart.

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Operation Scorpion is helping

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to raise awareness but as otr evidence shows...

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There's no tax liabilities whatsoever.

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..new victims are still getting stung.

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If you've got pension worries then head to our website

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and don't worry if you've missed that, I'll give it to you

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Now then, still to come on tonight's show.

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As one gets older, one's brain needs a good stimulus. We love

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music, we love art, we love the culture. We've got it here on our

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An exclusive survey for Inshde Out has found that nearly half

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of all British adults do not have a pension.

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This, in spite of the government introducing new workplace pdnsions

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last year that have already been taken up by 4.4 million people.

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Research by the polling company ComRes suggests

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39% say they just can't afford to invest in a pension right now.

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28% say they are too young to think about pensions.

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A similar number ` 27% ` say they just haven't got round to it.

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And 21% say they're investing their money elsewhere,

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So what will all this mean for people's retirement plans?

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Well, we sent our reporter John Cuthill on a pensioners' day out

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Previous generations retired at 60,

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got on with the gardening and were grateful for a free bus pass.

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But, with life expectancy continuing to rise, even if we retire later,

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These days, most of Britain's workers don't have

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a pension sorted, which could leave us relying entirely on the state.

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Or, like our 65`year`old bus and its 70`year`old driver Mervyn,

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I enjoy it and I'm a part of the business.

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It's a nice job. You meet nice people.

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I did invest into a pension but it went down the pan so...

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And where better to meet th`n the Pensioners Pub?

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Half of our passengers on our 1949 Bedford bus are retired.

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The other half are pension refuseniks ? a handful of Britain's

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13 million company employees who don't have a private pension.

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The government's rolling out a scheme to try to put that right.

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All aboard the pension special. Are we ready?

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Auto enrolment makes it a legal requirement for companies to

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But if you earn less than ?10,000 you won't qualify.

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And anyone self`employed will have to sort themselves out.

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Putting money aside just isn't feasible at the moment.

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I'm Adam, I'm 27 and I'm senior colour technhcian.

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I get paid ?500 a month with my training, so absolutely no money.

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I'm still doing my studying so it's not beneficial to md to pay

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Hilda's celebrating her 100th birthday today.

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These days, you're 44 times more likely to do the same than 60 years

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ago, which has prompted the government to make the most sweeping

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Time to make room on the bus for Minister of State for Pensions,

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Steve Webb, the man responshble for the radical reforms.

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The first thing we've got to do is get millions of people

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Particularly starting with xoung people, then we've got to build

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8% of your salary probably isn't going to provide enough.

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Once you get a pension you `re going to be nailed by charges.

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In the past, too many people have been ripped off, frankly.

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These new workplace pensions will be different because we are gohng to

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cap the charges so from next April more than 99p in the pound you put

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it into a pension will go into the pension and not charges so they will

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be the best value pensions, particularly because your firm is

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One of the best things you can invest in.

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the best things you can invdst in. With a captive audience, Steve

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the best things you can invest in. With a captive audience, Stdve Webb

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cannot resist the opportunity to nudge the pension message. H am

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self`employed, I do weddings and things like that. I don't exhibit

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and you get from a pension will be valid. Mark Larter is 39, and

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instead of a pension he has opted for a buy to let. My property is

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going to rent out to students, Southampton has a very high student

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population. It is right in the centre of town so it is a wicked

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location and it is always going to rent. From listening to people, I

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can understand why people would want to do things in addition to pensions

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but they should consider pensions is one of their options. If people

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think it is too hard, there is always something that will make it

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always something that will lake it easier for them, if they work for an

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employer, they will contribute into the scheme. Do not just relx on what

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the scheme. Do not just rely on what sort of income in retirement, just

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on property, for instance. Things are different on the retired

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side of the bus where some have the sort of gold`plated final s`lary

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schemes that anyone who is signing up to a pension now will probably

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never get. I don't see myself as being in any way privileged. I see

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myself as having worked in public service for a relatively reasonable

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service for a relatively re`sonable salary, but the attraction of it was

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always the reasonable pension at the end of the day. Pension, pretty

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end of the day. Pension, prdtty good, really, because it is

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index`linked and I know from good, really, because it is

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index`linked and I know frol year good, really, because it is

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index`linked and I know from year to index`linked and I know frol year to

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year what it is I'm going to get. I am one of the lucky ones, I ended up

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with a final salary scheme, I had been with the same company for 0

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years and we were rewarded for that loyalty with a darn decent pension.

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Joan is 93 and has been retired loyalty with a darn decent pension.

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Joan is 93 and has been retired for 30 years. She thinks there has been

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a cultural shift between spending now and putting money away for

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later. I don't think nowadays now and putting money away for

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later. I don't think nowadaxs people later. I don't think nowadays people

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know how to say. Young people. Because they have never had to say.

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It is a throwaway society. They have never had to make do and mend like

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we had to. As the pensions special roles on the promenade, timd

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we had to. As the pensions special roles on the promenade, time to

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we had to. As the pensions special roles on the promenade, timd to some

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roles on the promenade, time to some words of warning to those of us who

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might still have our heads hn the might still have our heads in the

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sand. The majority of workers do not have pension savings. So anxone on

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that side of the bus, you're not that side of the bus, you'rd not

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alone, there are lots of people like you out there. However, the main

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message has to be, if you do not save for your later life, what are

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you going to live on? The state pension, certainly for those who are

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pension, certainly for thosd who are relatively young now, is changing

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relatively young now, is ch`nging dramatically. And from 2016 onwards,

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younger people will know th`t dramatically. And from 2016 onwards,

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younger people will know that when they get to retirement, the state

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pension is going to be around ?20 pension is going to be around ?20

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per day. If you think you would be happy living on ?20 per day for the

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rest of your life when you have reached retirement, fine, don't do

:18:23.:18:25.

anything. But if you think xou might anything. But if you think you might

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want more than ?20 a day to have a decent lifestyle, then unless you do

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some saving now, you won't have any money coming in from that pdnsion

:18:37.:18:41.

later. So it is all about bding prepared. Or is it? I was planning

:18:42.:18:46.

to start sorting out my penchant at the age of around 40, which after

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today, is far too late. I h`ve realised that. Business is going

:18:53.:18:56.

good, property is going well so I am happy with how things are going One

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thing is the certain, when it comes thing is the certain, when ht comes

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to keeping our heads above water when we retire, we are all going to

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have to plan ahead. I am glad I when we retire, we are all going to

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have to plan ahead. I am gl`d I did not bring my swimmers!

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And if you want more details on our pensions survey head towards

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When we think about retiremdnt, many of us probably imagine settling

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down in a nice sleepy village or seaside town to enjoy some

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But not all of us because there's a new breed

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of pensioner who reckon that the capital is the best place to grow

:19:31.:19:34.

How many of us can honestly say that however much we love London,

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on a stifling Monday night struggling to get home from work we

:19:50.:19:52.

Waking up to a sea view far from the crowded city.

:19:53.:20:00.

If you've got savings or own your own London property,

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retirement has in the past given you the chance to do just that.

:20:03.:20:07.

Escape from the hustle and bustle of the city to a place

:20:08.:20:10.

But it seems times have changed for some of London's pensioners.

:20:11.:20:18.

They desire the hustle and bustle and this big old city has

:20:19.:20:22.

Steve Pratt worked all his life as a Mercedes Benz mechanic

:20:23.:20:35.

and has recently retired, and he loves fishing.

:20:36.:20:38.

So in the past he would have been a prime candidate for a cottage

:20:39.:20:42.

by a stream or a bungalow by the sea, but he spends his retirement

:20:43.:20:45.

out and about soaking up all the joys the big city can offer.

:20:46.:20:51.

The transport system is absolutely fantastic.

:20:52.:20:54.

You've only got to wait two or three minutes and a bus comes along.

:20:55.:20:59.

And the best thing I got was an Oystercard 60.

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If you live in a London borough, you get a ?10 card

:21:07.:21:10.

and you go anywhere, underground, national rail, overground.

:21:11.:21:17.

You can go all over, I've lived here all my life and I've

:21:18.:21:20.

I'm interested in crime and things like that.

:21:21.:21:31.

I saw a programme the other day about Ruth Ellis,

:21:32.:21:33.

I went and saw where she shot that David Blakely, her lovdr.

:21:34.:21:40.

I go up to the Old Bailey, sit in on a case there.

:21:41.:21:44.

There's so much here, I'm up and down most days of the week.

:21:45.:21:49.

Since he retired, Steve now uses his very own living theatre the way

:21:50.:21:55.

a tourist might, and according to feedback from a recent survdy by

:21:56.:21:59.

Britain Thinks, an organisation that shows policy makers and govdrnment

:22:00.:22:03.

think tanks what the latest trends are, he is just

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one of many pensioners who are now happy to retire in London.

:22:07.:22:10.

People think of London as a young city but one

:22:11.:22:13.

of the things we found, and there's an irony here, is that the people

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that London works best for hs actually not young people at all.

:22:17.:22:20.

The people that London seems to work best for is actually older people.

:22:21.:22:24.

And what we found increasingly is that we had a group

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of unhappy young people living in London, none of them can afford

:22:28.:22:30.

anywhere to live there, all looking for jobs, it's very competitive.

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Whether you've got a degree from Oxford or a school leaver.

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To the point where older people are moving into London

:22:38.:22:40.

while younger people are thhnking, I'm going to be moving out of here.

:22:41.:22:44.

Often they've got property which means that they don't have to

:22:45.:22:49.

They like the atmosphere, they like its diversity, they like

:22:50.:22:53.

what it has to offer culturally, they like everything about ht.

:22:54.:22:57.

There's just so much to see I can visit,

:22:58.:23:00.

There are these terrific guhded walks which only cost ?9 I think.

:23:01.:23:08.

When I was growing up, it was the Beatles.

:23:09.:23:10.

I went on the Beatles walk round Abbey Road, I'd never been there

:23:11.:23:13.

Obviously there are the big sites we all know in London, but there's

:23:14.:23:20.

I like to go there and sample it for myself.

:23:21.:23:31.

So some Londoners are more than happy to never leave the big city,

:23:32.:23:34.

but what about the others who alreadx left to

:23:35.:23:37.

Here in beautiful north Devon, one man wants to sell this gorgeous

:23:38.:23:45.

I retired a few years ago and moved down here.

:23:46.:23:55.

Mark wants to return back to the city because having worked all

:23:56.:24:02.

his life like many retirees, he wants to do voluntary work.

:24:03.:24:06.

And it's not the kind suited to sleepy Ddvon

:24:07.:24:09.

My particular addiction is `lcohol and I have been sober for 27 years.

:24:10.:24:19.

Since I retired I have thrown myself into doing volunteer work for people

:24:20.:24:23.

who suffer from addiction issues and I find that the lack of accdptance

:24:24.:24:30.

of that down here to be quite different to that it is in London.

:24:31.:24:36.

There's 600 people or so in this village and I sneeze

:24:37.:24:39.

and everybody knows and if anybody else sneezes I know about it, and

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that's lovely, there's a sense of community that I won't experience.

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But the big city and its anonymity where everybody doesn't know

:24:48.:24:51.

their own neighbours I think creates a freedom for people who might meet

:24:52.:24:58.

disapproval, more from a lack of education and understandhng.

:24:59.:25:02.

One of the things that's really interesting

:25:03.:25:04.

about London, and it's parthcularly true again of older people,

:25:05.:25:07.

is the feeling that you can be whatever you want to be in London.

:25:08.:25:11.

And that people aren't going to judge you in the same wax.

:25:12.:25:15.

Anybody's acceptable, whatever you are, however different

:25:16.:25:18.

Returning home to be embracdd in the capital is one thing,

:25:19.:25:30.

but what about if you've lived most your life in the countryside?

:25:31.:25:33.

Surely the concrete urbanisl of the Barbican would frighten

:25:34.:25:36.

Well, not one retired couple from Suffolk.

:25:37.:25:41.

We bought a very nice house in Ipswich on the Shortly peninsula.

:25:42.:25:48.

I was still working so we brought a one bedroom flat in the B`rbican.

:25:49.:25:53.

We had a period when we had this flat in London and we had

:25:54.:25:56.

a very nice house with a lovely garden in Suffolk, but our intention

:25:57.:26:00.

is that as we get older the Barbican is going to be where we are going

:26:01.:26:05.

Where we are in the Barbican, if you put a line round

:26:06.:26:14.

a 40 minute walk, you can cover most places that you want to go.

:26:15.:26:19.

One tends to walk much more extensively in London.

:26:20.:26:22.

You go up and down escalators if you're using London underground.

:26:23.:26:26.

In the country one is very much more car borne,

:26:27.:26:30.

and I think if you're activd in this way, this is good for your health.

:26:31.:26:38.

As one gets older, one's br`in needs a good stimulus in order to avoid

:26:39.:26:43.

some of these rather nasty conditions that one seems to get

:26:44.:26:47.

in old age, and I think living in the country, no matter how

:26:48.:26:50.

attractive it is, one doesn't get that level of stimulation.

:26:51.:26:54.

We love music, we love art, we love the culture,

:26:55.:26:58.

So it seems that London has a whole new set of modern day Samuel

:26:59.:27:05.

Why sir, you will find no m`n at all intellectual who is willing

:27:06.:27:14.

When a man is tired of London, he is tired of life, for thdre is

:27:15.:27:20.

I wonder if he was thinking of pensioners when he wrote that.

:27:21.:27:33.

I don't think I'm ready to give up on my dream a little cottagd at

:27:34.:27:50.

We go undercover to expose the gangs organising fake gay

:27:51.:27:52.

I just wanted to have a chat about the Majesty have been arranging

:27:53.:28:07.

People have been prosecuted and convicted of organising sham

:28:08.:28:08.

marriages who have made millions. We discover how eye donations are

:28:09.:28:13.

giving patients a new lease of life. And we join the underwater

:28:14.:28:17.

archaeologists unlocking thd secrets It is probably the most important

:28:18.:28:33.

post`mediaeval shipwreck site in England. It is like the Mary Rose of

:28:34.:28:35.

England. It is like the Marx Rose of the Thames Street.

:28:36.:28:37.

And that's it for this week's Inside Out London.

:28:38.:28:40.

Don't forget, if you missed any of tonight's programme

:28:41.:28:42.

and want to catch up on iPlayer, or you want some more info on pensions,

:28:43.:28:45.

Thanks very much for watching, I'll see you again next week.

:28:46.:29:02.

Hello, I'm Ellie Crisell with your 90 second update.

:29:03.:29:05.

There's no return if you decide to leave the TK.

:29:06.:29:07.

David Cameron's message to Scotland ahead of this week's vote over

:29:08.:29:10.

The Yes campaign's Alex Salmond has branded claims that prices

:29:11.:29:14.

Two British tourists have bden murdered on a beach in Thailand.

:29:15.:29:20.

Police said 24`year`old David Miller and Hannah Witheridge, who's 23

:29:21.:29:24.

He's the child cancer specialist who's admitted abusing young boys

:29:25.:29:30.

Dr Myles Bradbury worked at Addenbrookes in Cambridgd.

:29:31.:29:34.

He pleaded guilty to 25 sexual offences.

:29:35.:29:37.

It's because the company can't afford to keep

:29:38.:29:49.

He began his celebrations at the closing ceremony

:29:50.:29:52.

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