:00:07. > :00:16.Hello and welcome to Inside Out North West. On this weeks programme,
:00:17. > :00:22.as police today that more than those of abuse at Rochdale 's Meldrew
:00:23. > :00:28.School have come forward, one tells us his harrowing story. It destroyed
:00:29. > :00:34.my life. This school left md scarred for life. We are all living longer
:00:35. > :00:43.but as `` is the state penshon and survival? The bills will always be
:00:44. > :00:50.paid. And why around half of British adults still do not have
:00:51. > :00:59.pension. I get paid ?500 a lonth at the moment. There is absolutely
:01:00. > :01:08.nothing there for pensions. For more than 20 years, Martin fought for
:01:09. > :01:15.justice for boys sexually abused at the Rochdale special school
:01:16. > :01:21.worked. He accused Rochdale Council of trying to bury the truth of what
:01:22. > :01:27.an investigation into whethdr there had been a cover`up
:01:28. > :01:38.revealed they have interviewed more than 20 victims.
:01:39. > :01:43.No fee was a school for trotbled boys but it seems some of them
:01:44. > :01:50.more troubled when they left and when they arrived.
:01:51. > :01:57.life. Almost from the day it opened, who bills
:01:58. > :02:00.and sexual abuse but many of the boys here work
:02:01. > :02:06.troublemakers. Scared, knowhng no one was about
:02:07. > :02:11.People are literally `` listening now.
:02:12. > :02:17.horrific incidences of insthtutional child sex
:02:18. > :02:22.what went on. It went on for decades. Two lads brought md into
:02:23. > :02:30.these woods tied me to a trde. pulled my pants down and thdy left
:02:31. > :02:43.me all night until a member of staff in the early 1970s. We will call him
:02:44. > :02:57.my call. He says he enjoys xears of teacher, David Higgins, moldsted him
:02:58. > :03:14.and other boys at the school. target them. David Higgins was
:03:15. > :03:30.jailed in 2002 for historic`l physical abuse was still rife.
:03:31. > :03:52.Martin was the first everything that you have got. I
:03:53. > :04:16.first met Martin almost into Manchester to have sex with
:04:17. > :04:37.adult men. did something to me. And I was
:04:38. > :05:01.hysterical. I was scared. But while the school buildings have
:05:02. > :05:25.disappeared, the establishment attempted a cover`up.
:05:26. > :05:51.Sadly, it has Ian was dead from a drugs overdose.
:05:52. > :06:18.His rape was made it clear they had been offended
:06:19. > :06:42.against. for Rochdale is calling for an
:06:43. > :07:03.investigation into Michael says he was indecently
:07:04. > :07:22.assaulted by Cyril Smith at school justice for the victims. I outed
:07:23. > :07:47.Cyril Smith as have come under scrutiny. The
:07:48. > :08:10.shocking narrative tells of a school come forward to say that thdy were
:08:11. > :08:37.abused both physically and Deegan 's belief that the council
:08:38. > :09:12.tried to bury the bad news. reaction when you saw the rdport?
:09:13. > :09:51.Shocked. asked the council to suspend its
:09:52. > :10:32.enquiry story and testimonies from other
:10:33. > :11:03.victims tomorrow on Three pensioners with very different
:11:04. > :11:22.stories to tell. How So the working,
:11:23. > :11:28.even though it keeps you So that breakfast we just s`w you
:11:29. > :11:30.having, Three pensioners,
:11:31. > :11:32.three very different stories. Yet they do all reflect
:11:33. > :11:36.one growing trend. We're generally healthier, `nd
:11:37. > :11:40.our life expectancy is incrdasing. But there is a penalty to
:11:41. > :11:43.all that longer living. That's the reason the state
:11:44. > :11:50.pension age is being increased. And it's why
:11:51. > :11:52.for once there's general agreement That it's going to be up to us to
:11:53. > :11:58.save for our retirement, If you're a public employee,
:11:59. > :12:03.then you're probably alreadx saving for your retirement through
:12:04. > :12:07.a pension scheme. Latest figures show around 87%
:12:08. > :12:12.of state sector workers in the North West are
:12:13. > :12:15.in their workplace pension scheme. And because
:12:16. > :12:16.the North West has more than is average for the UK, that's
:12:17. > :12:21.really good news Two thirds of people in the
:12:22. > :12:33.North West are going to havd to rely on their private savings or to live
:12:34. > :12:38.on the state pension alone. Which if you have not got any
:12:39. > :12:41.savings is not easy in itself. Experts believe pensioners lay
:12:42. > :12:47.never have it this good agahn. I think today, pensioners
:12:48. > :12:52.on average, and I am talking about generalities, probably have never
:12:53. > :12:53.been better off, and that's probably More state help
:12:54. > :12:59.though pension credit and so on But I don't think that position
:13:00. > :13:02.we should feel in any way confident Lord John Hutton was formerly the MP
:13:03. > :13:06.for Barrow. He's also a leading expert
:13:07. > :13:10.on workplace pensions and the demographic changes that
:13:11. > :13:18.are altering the UK's age profile. How are the demographics of Britain
:13:19. > :13:20.going to change? Oh, it's going to change
:13:21. > :13:24.really fundamentally. I mean, a baby boy or girl born
:13:25. > :13:27.in the North West is more lhkely And if you think about what that
:13:28. > :13:33.might mean over the next 50 to 00 years, in Britain, there will
:13:34. > :13:35.literally be millions of people But in 2014, our region alrdady has
:13:36. > :13:41.a million people over Most of us hope that our later lives
:13:42. > :13:49.are free from financial worry, with an income that will let us
:13:50. > :13:52.enjoy the extra time on our hands. And in many ways,
:13:53. > :13:54.that's the life Roy Hitchen So did you get into golf more
:13:55. > :14:02.when you retired? Absolutely, yes, because I had
:14:03. > :14:07.no time when I was working. Roy was a branch manager
:14:08. > :14:10.for a leading bank until he was offered a healthy early
:14:11. > :14:12.retirement package in 1988, How would you describe
:14:13. > :14:17.the pension you receive now in terms of the kind of lifdstyle
:14:18. > :14:20.that it allows you to have? It's not a question of us bding
:14:21. > :14:27.able to do whatever we want. When I retired in 1988 we ddcided
:14:28. > :14:32.we would start to travel, and we have travelled quite extenshvely
:14:33. > :14:39.to many countries in the world. The key thing is that at thd end
:14:40. > :14:41.of the day, we've never livdd So if we can afford to have a cruise
:14:42. > :14:46.or a holiday abroad, we havd it So what would
:14:47. > :14:51.your advice be to someone now who's maybe 25 about what they should do
:14:52. > :14:53.about their future? I certainly think they
:14:54. > :14:54.should make provision. They need to bear in mind
:14:55. > :14:59.that they need to top it up. What they save today
:15:00. > :15:03.at 20 or 25 is not going to be sufficient in a reasonable standard
:15:04. > :15:10.when they reach 70. Roy's experience resembles
:15:11. > :15:13.the ideal retirement plan. But for every pensioner likd Roy,
:15:14. > :15:17.with a healthy private penshon, many others in the North West live
:15:18. > :15:22.on the state pension alone. That means about ?113 a week,
:15:23. > :15:24.although extra credits can hncrease John Howarth from Radcliffe is
:15:25. > :15:31.in that position. John worked as an HGV driver
:15:32. > :15:34.before retirement But with only his state pension to
:15:35. > :15:40.live on, John has had to develop I mean,
:15:41. > :15:53.if there was a shirt for ?16, That's the only way I can strvive,
:15:54. > :16:02.by cutting down. Very difficult, with the bills
:16:03. > :16:09.you've got to pay and all that. I get down to about ?2 a wedk
:16:10. > :16:27.by Sunday. John proves on a weekly bashs that
:16:28. > :16:30.survival on the state pension alone is possible, but his life is
:16:31. > :16:32.a precarious financial balancing I'm quite happy with
:16:33. > :16:42.the way things are going, although I'm not really as bad off
:16:43. > :16:46.as some are. When people say pensioners `re
:16:47. > :16:49.struggling, in real teams, If I've no food, I've no food,
:16:50. > :17:04.but the bills will always bd paid. 75`year`old Marg Clark from Widnes
:17:05. > :17:08.could have retired in 1999. But Marg is part
:17:09. > :17:10.of a growing trend of pensioners 15 years since turning 60,
:17:11. > :17:17.Marg still does 25 hour week at B She took the advice
:17:18. > :17:20.of a retired neighbour to c`rry She said, don't do it, Marg,
:17:21. > :17:28.because you'll end up like le. I get up every morning,
:17:29. > :17:34.go for my paper, go into a shop and get a few bits, walk back home,
:17:35. > :17:37.and then she said, I'm sat there I just wasn't ready to retire,
:17:38. > :17:49.and I was on my own. And I thought,
:17:50. > :17:52.I've only got my pension, so I need that extra money to be able to do
:17:53. > :17:58.the things that I want to do. Like holidays, run my car,
:17:59. > :18:05.go out and about, go out for meals. When you're working with yotng
:18:06. > :18:10.people, you do tend to think You're not thinking
:18:11. > :18:22.like an old biddy. If we don't save, what is
:18:23. > :18:25.our retirement going to be like The state pension, I hope,
:18:26. > :18:33.will provide a minimum safety net, so you'll be above the poverty
:18:34. > :18:35.line, but we all get used And we want to find
:18:36. > :18:40.a way to sustain that, and we don't want to fall off a cliff whdn we
:18:41. > :18:43.retire, whenever that might be. And if we want to provide that level
:18:44. > :18:48.of additional revenue for our retirement,
:18:49. > :18:50.to support the lifestyle we've got It's not the state or the t`xpayer's
:18:51. > :18:54.responsibility to do that. Just as the financial posithons
:18:55. > :18:57.of Roy, John and Marg differ widely, so the same is true for the
:18:58. > :18:59.millions of their fellow retirees But the key message that
:19:00. > :19:04.I've picked up is this. If you're not preparing
:19:05. > :19:05.for your retirement now, you could face an uncomfort`ble
:19:06. > :19:14.retirement later in life. People not running the future? Can I
:19:15. > :19:30.can exclusively survey reve`ls are around half of British `dults
:19:31. > :19:35.still do not have a private pension. Research says the most common reason
:19:36. > :19:40.is cash. 39% say they simplx cannot afford to invest in a pension rate
:19:41. > :19:50.now. 28% say think about it while others say they
:19:51. > :20:02.have not got round to it yet the out to the sea so `` to the
:20:03. > :20:06.seaside to find out more. But with life expectancy continuing
:20:07. > :20:09.to rise, even if we retire later, These days most
:20:10. > :20:12.of Britain's workers don't have a pension sorted, which could leave
:20:13. > :20:18.us relying entirely on the state. Or like our 65`year`old bus
:20:19. > :20:34.and its 70`year`old driver Lervyn. I enjoyed it and I am part of the
:20:35. > :20:41.business. It is a nice job `nd you meet nice people. I did invdst into
:20:42. > :20:43.a pension but it went down the toilet.
:20:44. > :20:44.And where better to meet th`n the Pensioners Pub?
:20:45. > :20:48.Half of our passengers on our 1949 Bedford are rethred
:20:49. > :20:51.The other half are pension refuseniks ` a handful of Britain's
:20:52. > :20:55.13 million company employees who don't have a private pension.
:20:56. > :21:03.The government's rolling out a scheme to try to put that right.
:21:04. > :21:05.Auto enrolment makes it a legal requirement for companies to
:21:06. > :21:11.But if you earn less than ?10,000 you won't qualify.
:21:12. > :21:14.And anyone self`employed will have to sort themselves out.
:21:15. > :21:34.Money, really ` putting mondy aside just isn't feasible at the loment.
:21:35. > :21:42.I get paid ?500 a month, so absolutely no money.
:21:43. > :21:56.I'm still doing my studying, so it's not beneficial to md to pay
:21:57. > :22:10.Look what just came. It is xour letter from the Queen.
:22:11. > :22:14.Hilda's celebrating her 100th birthday today.
:22:15. > :22:17.These days you're 44 times lore likely to do the same than 60 years
:22:18. > :22:19.ago, which has prompted the government to make the most sweeping
:22:20. > :22:27.Time to make room on the bus for Minister of State for Pdnsions
:22:28. > :22:31.Steve Webb, the man responshble for the radical reforms.
:22:32. > :22:33.The first thing we've got to do is get millions of people
:22:34. > :22:37.Particularly starting with xoung people then we've got to buhld
:22:38. > :22:45.8% of your salary probably isn't going to provide enough.
:22:46. > :22:59.We have to build on that. What about pension charges? When you gdt a
:23:00. > :23:04.pension, you will get nailed by charges. These new pensions will be
:23:05. > :23:13.different because we will c`p the charges. From next April more than
:23:14. > :23:19.99p in the pound that you ptt into a Tell me your pension experidnce
:23:20. > :23:21.are you ever going to have one? I do weddings and events,
:23:22. > :23:26.things like that. I don't think they returned that you
:23:27. > :23:34.will Instead of a pension he's opted
:23:35. > :23:42.for a buy to let. My property is always going to rent
:23:43. > :23:49.out to students. In Southampton Aerial Lee high student poptlation
:23:50. > :23:53.there. It is right in the cdntre of town so it is a great locathon and
:23:54. > :23:55.it will always rent, no matter what. put off by the constantly
:23:56. > :23:57.increasing retirement age. I don't trust pensions, I don't know
:23:58. > :24:07.if I'm going to live that long. Sometimes the retirement agd
:24:08. > :24:11.increases. From listening to people I can
:24:12. > :24:14.understand why people may w`nt to do something instead of pension,
:24:15. > :24:16.but they should consider For people that think it is too
:24:17. > :24:29.hard, there is something that will make it easier
:24:30. > :24:36.for employer, the employer could
:24:37. > :24:46.contribute to their pension service and we can give people
:24:47. > :24:52.helped to make it better. on just one source of incomd after
:24:53. > :24:55.retirement, don't rely on property. some have the sort of gold`plated
:24:56. > :24:56.final salary schemes that anyone who's signing up to a pension now
:24:57. > :25:09.will probably never get. I don't see myself as being in any
:25:10. > :25:14.way privileged. I see myself as having worked in public services for
:25:15. > :25:19.a relatively reasonable sal`ry but the attraction of it was
:25:20. > :25:24.reasonable pension at the end of the day. The pension is pretty good
:25:25. > :25:25.because it is indexed linked. And I know from year to year,
:25:26. > :25:37.I know exactly what it is I'm I am one of the lucky ones. I ended
:25:38. > :25:44.up with a final salary schele and I had been with the same comp`ny
:25:45. > :25:51.I am 67. I survive on a bashc loyalty with a decent pension.
:25:52. > :25:54.I am 67. I survive on a bashc pension of 72p per week.
:25:55. > :26:09.Between them that's an incole of roughly ?13,000 a year.
:26:10. > :26:12.Recently ?17,000 per person or household.
:26:13. > :26:24.Was the amount quoted for a healthy retirement. When you're young you
:26:25. > :26:31.don't think about 40 years hn the future, is art of creeps up to you
:26:32. > :26:37.and suddenly you get to 45 or 5 We don't take life too seriously cos
:26:38. > :26:50.I think if we did, those of us who might still have our
:26:51. > :27:00.heads in the sand. The majority of workers not have pension
:27:01. > :27:15.are not alone, there are lots of people like
:27:16. > :27:29.do not save for your later life what are you going to live on?
:27:30. > :27:35.onwards, younger people will know that when they get to
:27:36. > :27:38.the state pension is going to be around ?20 per day.
:27:39. > :27:40.of your life when you've re`ched retirement, fine, don't do `nything.
:27:41. > :27:43.But if you think you might want more than ?20 a day to have a decent
:27:44. > :27:45.lifestyle, then unless you do some saving now, you won't have `ny money
:27:46. > :27:49.So it's all about being prepared ` or is it?
:27:50. > :27:51.I was planning to start sorting out my pension age 40.
:27:52. > :28:00.After today I have realised that is far too late. The business hs going
:28:01. > :28:06.good, the I am happy with how things `re
:28:07. > :28:07.going. One thing's for certain thotgh,
:28:08. > :28:09.when it comes to keeping our heads above water when we retire, we're
:28:10. > :28:22.all going to have to plan ahead If you want more details on our
:28:23. > :28:31.pension survey, look at the website. That is all for this week. We are
:28:32. > :28:38.back at the same time next Londay. Until then, goodbye. Next wdek, we
:28:39. > :28:44.discover the amazing range of wildlife making their home hn a city
:28:45. > :28:47.centre cemetery. That was a woodpecker. In Manchester? H bet it
:28:48. > :29:04.becomes addictive. Hello, I'm Ellie Crisell with
:29:05. > :29:06.your 90 second update. There's no return
:29:07. > :29:09.if you decide to leave the UK. David Cameron's message to Scotland
:29:10. > :29:11.ahead of this week's vote over The Yes campaign's Alex Salmond
:29:12. > :29:16.has branded claims that prices Two British tourists have been
:29:17. > :29:22.murdered on a beach in Thailand Police said 24-year-old David Miller
:29:23. > :29:26.and Hannah Witheridge, who's 23 He's the child cancer specialist
:29:27. > :29:31.who's admitted abusing young boys Dr Myles Bradbury worked
:29:32. > :29:36.at Addenbrookes in Cambridge. He pleaded guilty to
:29:37. > :29:40.25 sexual offences.