Browse content similar to 15/09/2014. Check below for episodes and series from the same categories and more!
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Hello and welcome to Inside Out North West. On this weeks programme, | :00:07. | :00:16. | |
as police today that more than those of abuse at Rochdale 's Meldrew | :00:17. | :00:22. | |
School have come forward, one tells us his harrowing story. It destroyed | :00:23. | :00:28. | |
my life. This school left md scarred for life. We are all living longer | :00:29. | :00:34. | |
but as `` is the state penshon and survival? The bills will always be | :00:35. | :00:43. | |
paid. And why around half of British adults still do not have | :00:44. | :00:50. | |
pension. I get paid ?500 a lonth at the moment. There is absolutely | :00:51. | :00:59. | |
nothing there for pensions. For more than 20 years, Martin fought for | :01:00. | :01:08. | |
justice for boys sexually abused at the Rochdale special school | :01:09. | :01:15. | |
worked. He accused Rochdale Council of trying to bury the truth of what | :01:16. | :01:21. | |
an investigation into whethdr there had been a cover`up | :01:22. | :01:27. | |
revealed they have interviewed more than 20 victims. | :01:28. | :01:38. | |
No fee was a school for trotbled boys but it seems some of them | :01:39. | :01:43. | |
more troubled when they left and when they arrived. | :01:44. | :01:50. | |
life. Almost from the day it opened, who bills | :01:51. | :01:57. | |
and sexual abuse but many of the boys here work | :01:58. | :02:00. | |
troublemakers. Scared, knowhng no one was about | :02:01. | :02:06. | |
People are literally `` listening now. | :02:07. | :02:11. | |
horrific incidences of insthtutional child sex | :02:12. | :02:17. | |
what went on. It went on for decades. Two lads brought md into | :02:18. | :02:22. | |
these woods tied me to a trde. pulled my pants down and thdy left | :02:23. | :02:30. | |
me all night until a member of staff in the early 1970s. We will call him | :02:31. | :02:43. | |
my call. He says he enjoys xears of teacher, David Higgins, moldsted him | :02:44. | :02:57. | |
and other boys at the school. target them. David Higgins was | :02:58. | :03:14. | |
jailed in 2002 for historic`l physical abuse was still rife. | :03:15. | :03:30. | |
Martin was the first everything that you have got. I | :03:31. | :03:52. | |
first met Martin almost into Manchester to have sex with | :03:53. | :04:16. | |
adult men. did something to me. And I was | :04:17. | :04:37. | |
hysterical. I was scared. But while the school buildings have | :04:38. | :05:01. | |
disappeared, the establishment attempted a cover`up. | :05:02. | :05:25. | |
Sadly, it has Ian was dead from a drugs overdose. | :05:26. | :05:51. | |
His rape was made it clear they had been offended | :05:52. | :06:18. | |
against. for Rochdale is calling for an | :06:19. | :06:42. | |
investigation into Michael says he was indecently | :06:43. | :07:03. | |
assaulted by Cyril Smith at school justice for the victims. I outed | :07:04. | :07:22. | |
Cyril Smith as have come under scrutiny. The | :07:23. | :07:47. | |
shocking narrative tells of a school come forward to say that thdy were | :07:48. | :08:10. | |
abused both physically and Deegan 's belief that the council | :08:11. | :08:37. | |
tried to bury the bad news. reaction when you saw the rdport? | :08:38. | :09:12. | |
Shocked. asked the council to suspend its | :09:13. | :09:51. | |
enquiry story and testimonies from other | :09:52. | :10:32. | |
victims tomorrow on Three pensioners with very different | :10:33. | :11:03. | |
stories to tell. How So the working, | :11:04. | :11:22. | |
even though it keeps you So that breakfast we just s`w you | :11:23. | :11:28. | |
having, Three pensioners, | :11:29. | :11:30. | |
three very different stories. Yet they do all reflect | :11:31. | :11:32. | |
one growing trend. We're generally healthier, `nd | :11:33. | :11:36. | |
our life expectancy is incrdasing. But there is a penalty to | :11:37. | :11:40. | |
all that longer living. That's the reason the state | :11:41. | :11:43. | |
pension age is being increased. And it's why | :11:44. | :11:50. | |
for once there's general agreement That it's going to be up to us to | :11:51. | :11:52. | |
save for our retirement, If you're a public employee, | :11:53. | :11:58. | |
then you're probably alreadx saving for your retirement through | :11:59. | :12:03. | |
a pension scheme. Latest figures show around 87% | :12:04. | :12:07. | |
of state sector workers in the North West are | :12:08. | :12:12. | |
in their workplace pension scheme. And because | :12:13. | :12:15. | |
the North West has more than is average for the UK, that's | :12:16. | :12:16. | |
really good news Two thirds of people in the | :12:17. | :12:21. | |
North West are going to havd to rely on their private savings or to live | :12:22. | :12:33. | |
on the state pension alone. Which if you have not got any | :12:34. | :12:38. | |
savings is not easy in itself. Experts believe pensioners lay | :12:39. | :12:41. | |
never have it this good agahn. I think today, pensioners | :12:42. | :12:47. | |
on average, and I am talking about generalities, probably have never | :12:48. | :12:52. | |
been better off, and that's probably More state help | :12:53. | :12:53. | |
though pension credit and so on But I don't think that position | :12:54. | :12:59. | |
we should feel in any way confident Lord John Hutton was formerly the MP | :13:00. | :13:02. | |
for Barrow. He's also a leading expert | :13:03. | :13:06. | |
on workplace pensions and the demographic changes that | :13:07. | :13:10. | |
are altering the UK's age profile. How are the demographics of Britain | :13:11. | :13:18. | |
going to change? Oh, it's going to change | :13:19. | :13:20. | |
really fundamentally. I mean, a baby boy or girl born | :13:21. | :13:24. | |
in the North West is more lhkely And if you think about what that | :13:25. | :13:27. | |
might mean over the next 50 to 00 years, in Britain, there will | :13:28. | :13:33. | |
literally be millions of people But in 2014, our region alrdady has | :13:34. | :13:35. | |
a million people over Most of us hope that our later lives | :13:36. | :13:41. | |
are free from financial worry, with an income that will let us | :13:42. | :13:49. | |
enjoy the extra time on our hands. And in many ways, | :13:50. | :13:52. | |
that's the life Roy Hitchen So did you get into golf more | :13:53. | :13:54. | |
when you retired? Absolutely, yes, because I had | :13:55. | :14:02. | |
no time when I was working. Roy was a branch manager | :14:03. | :14:07. | |
for a leading bank until he was offered a healthy early | :14:08. | :14:10. | |
retirement package in 1988, How would you describe | :14:11. | :14:12. | |
the pension you receive now in terms of the kind of lifdstyle | :14:13. | :14:17. | |
that it allows you to have? It's not a question of us bding | :14:18. | :14:20. | |
able to do whatever we want. When I retired in 1988 we ddcided | :14:21. | :14:27. | |
we would start to travel, and we have travelled quite extenshvely | :14:28. | :14:32. | |
to many countries in the world. The key thing is that at thd end | :14:33. | :14:39. | |
of the day, we've never livdd So if we can afford to have a cruise | :14:40. | :14:41. | |
or a holiday abroad, we havd it So what would | :14:42. | :14:46. | |
your advice be to someone now who's maybe 25 about what they should do | :14:47. | :14:51. | |
about their future? I certainly think they | :14:52. | :14:53. | |
should make provision. They need to bear in mind | :14:54. | :14:54. | |
that they need to top it up. What they save today | :14:55. | :14:59. | |
at 20 or 25 is not going to be sufficient in a reasonable standard | :15:00. | :15:03. | |
when they reach 70. Roy's experience resembles | :15:04. | :15:10. | |
the ideal retirement plan. But for every pensioner likd Roy, | :15:11. | :15:13. | |
with a healthy private penshon, many others in the North West live | :15:14. | :15:17. | |
on the state pension alone. That means about ?113 a week, | :15:18. | :15:22. | |
although extra credits can hncrease John Howarth from Radcliffe is | :15:23. | :15:24. | |
in that position. John worked as an HGV driver | :15:25. | :15:31. | |
before retirement But with only his state pension to | :15:32. | :15:34. | |
live on, John has had to develop I mean, | :15:35. | :15:40. | |
if there was a shirt for ?16, That's the only way I can strvive, | :15:41. | :15:53. | |
by cutting down. Very difficult, with the bills | :15:54. | :16:02. | |
you've got to pay and all that. I get down to about ?2 a wedk | :16:03. | :16:09. | |
by Sunday. John proves on a weekly bashs that | :16:10. | :16:27. | |
survival on the state pension alone is possible, but his life is | :16:28. | :16:30. | |
a precarious financial balancing I'm quite happy with | :16:31. | :16:32. | |
the way things are going, although I'm not really as bad off | :16:33. | :16:42. | |
as some are. When people say pensioners `re | :16:43. | :16:46. | |
struggling, in real teams, If I've no food, I've no food, | :16:47. | :16:49. | |
but the bills will always bd paid. 75`year`old Marg Clark from Widnes | :16:50. | :17:04. | |
could have retired in 1999. But Marg is part | :17:05. | :17:08. | |
of a growing trend of pensioners 15 years since turning 60, | :17:09. | :17:10. | |
Marg still does 25 hour week at B She took the advice | :17:11. | :17:17. | |
of a retired neighbour to c`rry She said, don't do it, Marg, | :17:18. | :17:20. | |
because you'll end up like le. I get up every morning, | :17:21. | :17:28. | |
go for my paper, go into a shop and get a few bits, walk back home, | :17:29. | :17:34. | |
and then she said, I'm sat there I just wasn't ready to retire, | :17:35. | :17:37. | |
and I was on my own. And I thought, | :17:38. | :17:49. | |
I've only got my pension, so I need that extra money to be able to do | :17:50. | :17:52. | |
the things that I want to do. Like holidays, run my car, | :17:53. | :17:58. | |
go out and about, go out for meals. When you're working with yotng | :17:59. | :18:05. | |
people, you do tend to think You're not thinking | :18:06. | :18:10. | |
like an old biddy. If we don't save, what is | :18:11. | :18:22. | |
our retirement going to be like The state pension, I hope, | :18:23. | :18:25. | |
will provide a minimum safety net, so you'll be above the poverty | :18:26. | :18:33. | |
line, but we all get used And we want to find | :18:34. | :18:35. | |
a way to sustain that, and we don't want to fall off a cliff whdn we | :18:36. | :18:40. | |
retire, whenever that might be. And if we want to provide that level | :18:41. | :18:43. | |
of additional revenue for our retirement, | :18:44. | :18:48. | |
to support the lifestyle we've got It's not the state or the t`xpayer's | :18:49. | :18:50. | |
responsibility to do that. Just as the financial posithons | :18:51. | :18:54. | |
of Roy, John and Marg differ widely, so the same is true for the | :18:55. | :18:57. | |
millions of their fellow retirees But the key message that | :18:58. | :18:59. | |
I've picked up is this. If you're not preparing | :19:00. | :19:04. | |
for your retirement now, you could face an uncomfort`ble | :19:05. | :19:05. | |
retirement later in life. People not running the future? Can I | :19:06. | :19:14. | |
can exclusively survey reve`ls are around half of British `dults | :19:15. | :19:30. | |
still do not have a private pension. Research says the most common reason | :19:31. | :19:35. | |
is cash. 39% say they simplx cannot afford to invest in a pension rate | :19:36. | :19:40. | |
now. 28% say think about it while others say they | :19:41. | :19:50. | |
have not got round to it yet the out to the sea so `` to the | :19:51. | :20:02. | |
seaside to find out more. But with life expectancy continuing | :20:03. | :20:06. | |
to rise, even if we retire later, These days most | :20:07. | :20:09. | |
of Britain's workers don't have a pension sorted, which could leave | :20:10. | :20:12. | |
us relying entirely on the state. Or like our 65`year`old bus | :20:13. | :20:18. | |
and its 70`year`old driver Lervyn. I enjoyed it and I am part of the | :20:19. | :20:34. | |
business. It is a nice job `nd you meet nice people. I did invdst into | :20:35. | :20:41. | |
a pension but it went down the toilet. | :20:42. | :20:43. | |
And where better to meet th`n the Pensioners Pub? | :20:44. | :20:44. | |
Half of our passengers on our 1949 Bedford are rethred | :20:45. | :20:48. | |
The other half are pension refuseniks ` a handful of Britain's | :20:49. | :20:51. | |
13 million company employees who don't have a private pension. | :20:52. | :20:55. | |
The government's rolling out a scheme to try to put that right. | :20:56. | :21:03. | |
Auto enrolment makes it a legal requirement for companies to | :21:04. | :21:05. | |
But if you earn less than ?10,000 you won't qualify. | :21:06. | :21:11. | |
And anyone self`employed will have to sort themselves out. | :21:12. | :21:14. | |
Money, really ` putting mondy aside just isn't feasible at the loment. | :21:15. | :21:34. | |
I get paid ?500 a month, so absolutely no money. | :21:35. | :21:42. | |
I'm still doing my studying, so it's not beneficial to md to pay | :21:43. | :21:56. | |
Look what just came. It is xour letter from the Queen. | :21:57. | :22:10. | |
Hilda's celebrating her 100th birthday today. | :22:11. | :22:14. | |
These days you're 44 times lore likely to do the same than 60 years | :22:15. | :22:17. | |
ago, which has prompted the government to make the most sweeping | :22:18. | :22:19. | |
Time to make room on the bus for Minister of State for Pdnsions | :22:20. | :22:27. | |
Steve Webb, the man responshble for the radical reforms. | :22:28. | :22:31. | |
The first thing we've got to do is get millions of people | :22:32. | :22:33. | |
Particularly starting with xoung people then we've got to buhld | :22:34. | :22:37. | |
8% of your salary probably isn't going to provide enough. | :22:38. | :22:45. | |
We have to build on that. What about pension charges? When you gdt a | :22:46. | :22:59. | |
pension, you will get nailed by charges. These new pensions will be | :23:00. | :23:04. | |
different because we will c`p the charges. From next April more than | :23:05. | :23:13. | |
99p in the pound that you ptt into a Tell me your pension experidnce | :23:14. | :23:19. | |
are you ever going to have one? I do weddings and events, | :23:20. | :23:21. | |
things like that. I don't think they returned that you | :23:22. | :23:26. | |
will Instead of a pension he's opted | :23:27. | :23:34. | |
for a buy to let. My property is always going to rent | :23:35. | :23:42. | |
out to students. In Southampton Aerial Lee high student poptlation | :23:43. | :23:49. | |
there. It is right in the cdntre of town so it is a great locathon and | :23:50. | :23:53. | |
it will always rent, no matter what. put off by the constantly | :23:54. | :23:55. | |
increasing retirement age. I don't trust pensions, I don't know | :23:56. | :23:57. | |
if I'm going to live that long. Sometimes the retirement agd | :23:58. | :24:07. | |
increases. From listening to people I can | :24:08. | :24:11. | |
understand why people may w`nt to do something instead of pension, | :24:12. | :24:14. | |
but they should consider For people that think it is too | :24:15. | :24:16. | |
hard, there is something that will make it easier | :24:17. | :24:29. | |
for employer, the employer could | :24:30. | :24:36. | |
contribute to their pension service and we can give people | :24:37. | :24:46. | |
helped to make it better. on just one source of incomd after | :24:47. | :24:52. | |
retirement, don't rely on property. some have the sort of gold`plated | :24:53. | :24:55. | |
final salary schemes that anyone who's signing up to a pension now | :24:56. | :24:56. | |
will probably never get. I don't see myself as being in any | :24:57. | :25:09. | |
way privileged. I see myself as having worked in public services for | :25:10. | :25:14. | |
a relatively reasonable sal`ry but the attraction of it was | :25:15. | :25:19. | |
reasonable pension at the end of the day. The pension is pretty good | :25:20. | :25:24. | |
because it is indexed linked. And I know from year to year, | :25:25. | :25:25. | |
I know exactly what it is I'm I am one of the lucky ones. I ended | :25:26. | :25:37. | |
up with a final salary schele and I had been with the same comp`ny | :25:38. | :25:44. | |
I am 67. I survive on a bashc loyalty with a decent pension. | :25:45. | :25:51. | |
I am 67. I survive on a bashc pension of 72p per week. | :25:52. | :25:54. | |
Between them that's an incole of roughly ?13,000 a year. | :25:55. | :26:09. | |
Recently ?17,000 per person or household. | :26:10. | :26:12. | |
Was the amount quoted for a healthy retirement. When you're young you | :26:13. | :26:24. | |
don't think about 40 years hn the future, is art of creeps up to you | :26:25. | :26:31. | |
and suddenly you get to 45 or 5 We don't take life too seriously cos | :26:32. | :26:37. | |
I think if we did, those of us who might still have our | :26:38. | :26:50. | |
heads in the sand. The majority of workers not have pension | :26:51. | :27:00. | |
are not alone, there are lots of people like | :27:01. | :27:15. | |
do not save for your later life what are you going to live on? | :27:16. | :27:29. | |
onwards, younger people will know that when they get to | :27:30. | :27:35. | |
the state pension is going to be around ?20 per day. | :27:36. | :27:38. | |
of your life when you've re`ched retirement, fine, don't do `nything. | :27:39. | :27:40. | |
But if you think you might want more than ?20 a day to have a decent | :27:41. | :27:43. | |
lifestyle, then unless you do some saving now, you won't have `ny money | :27:44. | :27:45. | |
So it's all about being prepared ` or is it? | :27:46. | :27:49. | |
I was planning to start sorting out my pension age 40. | :27:50. | :27:51. | |
After today I have realised that is far too late. The business hs going | :27:52. | :28:00. | |
good, the I am happy with how things `re | :28:01. | :28:06. | |
going. One thing's for certain thotgh, | :28:07. | :28:07. | |
when it comes to keeping our heads above water when we retire, we're | :28:08. | :28:09. | |
all going to have to plan ahead If you want more details on our | :28:10. | :28:22. | |
pension survey, look at the website. That is all for this week. We are | :28:23. | :28:31. | |
back at the same time next Londay. Until then, goodbye. Next wdek, we | :28:32. | :28:38. | |
discover the amazing range of wildlife making their home hn a city | :28:39. | :28:44. | |
centre cemetery. That was a woodpecker. In Manchester? H bet it | :28:45. | :28:47. | |
becomes addictive. Hello, I'm Ellie Crisell with | :28:48. | :29:04. | |
your 90 second update. There's no return | :29:05. | :29:06. | |
if you decide to leave the UK. David Cameron's message to Scotland | :29:07. | :29:09. | |
ahead of this week's vote over The Yes campaign's Alex Salmond | :29:10. | :29:11. | |
has branded claims that prices Two British tourists have been | :29:12. | :29:16. | |
murdered on a beach in Thailand Police said 24-year-old David Miller | :29:17. | :29:22. | |
and Hannah Witheridge, who's 23 He's the child cancer specialist | :29:23. | :29:26. | |
who's admitted abusing young boys Dr Myles Bradbury worked | :29:27. | :29:31. | |
at Addenbrookes in Cambridge. He pleaded guilty to | :29:32. | :29:36. | |
25 sexual offences. | :29:37. | :29:40. |