15/09/2014 Inside Out North West


15/09/2014

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Hello and welcome to Inside Out North West. On this weeks programme,

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as police today that more than those of abuse at Rochdale 's Meldrew

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School have come forward, one tells us his harrowing story. It destroyed

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my life. This school left md scarred for life. We are all living longer

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but as `` is the state penshon and survival? The bills will always be

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paid. And why around half of British adults still do not have

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pension. I get paid ?500 a lonth at the moment. There is absolutely

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nothing there for pensions. For more than 20 years, Martin fought for

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justice for boys sexually abused at the Rochdale special school

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worked. He accused Rochdale Council of trying to bury the truth of what

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an investigation into whethdr there had been a cover`up

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revealed they have interviewed more than 20 victims.

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No fee was a school for trotbled boys but it seems some of them

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more troubled when they left and when they arrived.

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life. Almost from the day it opened, who bills

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and sexual abuse but many of the boys here work

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troublemakers. Scared, knowhng no one was about

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People are literally `` listening now.

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horrific incidences of insthtutional child sex

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what went on. It went on for decades. Two lads brought md into

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these woods tied me to a trde. pulled my pants down and thdy left

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me all night until a member of staff in the early 1970s. We will call him

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my call. He says he enjoys xears of teacher, David Higgins, moldsted him

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and other boys at the school. target them. David Higgins was

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jailed in 2002 for historic`l physical abuse was still rife.

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Martin was the first everything that you have got. I

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first met Martin almost into Manchester to have sex with

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adult men. did something to me. And I was

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hysterical. I was scared. But while the school buildings have

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disappeared, the establishment attempted a cover`up.

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Sadly, it has Ian was dead from a drugs overdose.

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His rape was made it clear they had been offended

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against. for Rochdale is calling for an

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investigation into Michael says he was indecently

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assaulted by Cyril Smith at school justice for the victims. I outed

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Cyril Smith as have come under scrutiny. The

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shocking narrative tells of a school come forward to say that thdy were

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abused both physically and Deegan 's belief that the council

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tried to bury the bad news. reaction when you saw the rdport?

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Shocked. asked the council to suspend its

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enquiry story and testimonies from other

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victims tomorrow on Three pensioners with very different

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stories to tell. How So the working,

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even though it keeps you So that breakfast we just s`w you

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having, Three pensioners,

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three very different stories. Yet they do all reflect

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one growing trend. We're generally healthier, `nd

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our life expectancy is incrdasing. But there is a penalty to

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all that longer living. That's the reason the state

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pension age is being increased. And it's why

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for once there's general agreement That it's going to be up to us to

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save for our retirement, If you're a public employee,

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then you're probably alreadx saving for your retirement through

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a pension scheme. Latest figures show around 87%

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of state sector workers in the North West are

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in their workplace pension scheme. And because

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the North West has more than is average for the UK, that's

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really good news Two thirds of people in the

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North West are going to havd to rely on their private savings or to live

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on the state pension alone. Which if you have not got any

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savings is not easy in itself. Experts believe pensioners lay

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never have it this good agahn. I think today, pensioners

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on average, and I am talking about generalities, probably have never

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been better off, and that's probably More state help

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though pension credit and so on But I don't think that position

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we should feel in any way confident Lord John Hutton was formerly the MP

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for Barrow. He's also a leading expert

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on workplace pensions and the demographic changes that

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are altering the UK's age profile. How are the demographics of Britain

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going to change? Oh, it's going to change

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really fundamentally. I mean, a baby boy or girl born

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in the North West is more lhkely And if you think about what that

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might mean over the next 50 to 00 years, in Britain, there will

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literally be millions of people But in 2014, our region alrdady has

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a million people over Most of us hope that our later lives

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are free from financial worry, with an income that will let us

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enjoy the extra time on our hands. And in many ways,

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that's the life Roy Hitchen So did you get into golf more

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when you retired? Absolutely, yes, because I had

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no time when I was working. Roy was a branch manager

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for a leading bank until he was offered a healthy early

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retirement package in 1988, How would you describe

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the pension you receive now in terms of the kind of lifdstyle

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that it allows you to have? It's not a question of us bding

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able to do whatever we want. When I retired in 1988 we ddcided

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we would start to travel, and we have travelled quite extenshvely

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to many countries in the world. The key thing is that at thd end

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of the day, we've never livdd So if we can afford to have a cruise

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or a holiday abroad, we havd it So what would

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your advice be to someone now who's maybe 25 about what they should do

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about their future? I certainly think they

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should make provision. They need to bear in mind

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that they need to top it up. What they save today

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at 20 or 25 is not going to be sufficient in a reasonable standard

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when they reach 70. Roy's experience resembles

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the ideal retirement plan. But for every pensioner likd Roy,

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with a healthy private penshon, many others in the North West live

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on the state pension alone. That means about ?113 a week,

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although extra credits can hncrease John Howarth from Radcliffe is

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in that position. John worked as an HGV driver

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before retirement But with only his state pension to

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live on, John has had to develop I mean,

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if there was a shirt for ?16, That's the only way I can strvive,

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by cutting down. Very difficult, with the bills

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you've got to pay and all that. I get down to about ?2 a wedk

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by Sunday. John proves on a weekly bashs that

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survival on the state pension alone is possible, but his life is

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a precarious financial balancing I'm quite happy with

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the way things are going, although I'm not really as bad off

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as some are. When people say pensioners `re

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struggling, in real teams, If I've no food, I've no food,

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but the bills will always bd paid. 75`year`old Marg Clark from Widnes

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could have retired in 1999. But Marg is part

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of a growing trend of pensioners 15 years since turning 60,

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Marg still does 25 hour week at B She took the advice

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of a retired neighbour to c`rry She said, don't do it, Marg,

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because you'll end up like le. I get up every morning,

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go for my paper, go into a shop and get a few bits, walk back home,

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and then she said, I'm sat there I just wasn't ready to retire,

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and I was on my own. And I thought,

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I've only got my pension, so I need that extra money to be able to do

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the things that I want to do. Like holidays, run my car,

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go out and about, go out for meals. When you're working with yotng

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people, you do tend to think You're not thinking

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like an old biddy. If we don't save, what is

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our retirement going to be like The state pension, I hope,

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will provide a minimum safety net, so you'll be above the poverty

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line, but we all get used And we want to find

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a way to sustain that, and we don't want to fall off a cliff whdn we

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retire, whenever that might be. And if we want to provide that level

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of additional revenue for our retirement,

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to support the lifestyle we've got It's not the state or the t`xpayer's

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responsibility to do that. Just as the financial posithons

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of Roy, John and Marg differ widely, so the same is true for the

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millions of their fellow retirees But the key message that

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I've picked up is this. If you're not preparing

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for your retirement now, you could face an uncomfort`ble

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retirement later in life. People not running the future? Can I

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can exclusively survey reve`ls are around half of British `dults

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still do not have a private pension. Research says the most common reason

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is cash. 39% say they simplx cannot afford to invest in a pension rate

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now. 28% say think about it while others say they

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have not got round to it yet the out to the sea so `` to the

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seaside to find out more. But with life expectancy continuing

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to rise, even if we retire later, These days most

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of Britain's workers don't have a pension sorted, which could leave

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us relying entirely on the state. Or like our 65`year`old bus

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and its 70`year`old driver Lervyn. I enjoyed it and I am part of the

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business. It is a nice job `nd you meet nice people. I did invdst into

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a pension but it went down the toilet.

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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 are rethred

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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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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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Money, really ` putting mondy aside just isn't feasible at the loment.

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I get paid ?500 a month, 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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Look what just came. It is xour letter from the Queen.

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Hilda's celebrating her 100th birthday today.

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These days you're 44 times lore 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 Pdnsions

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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 buhld

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

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We have to build on that. What about pension charges? When you gdt a

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pension, you will get nailed by charges. These new pensions will be

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different because we will c`p the charges. From next April more than

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99p in the pound that you ptt into a Tell me your pension experidnce

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are you ever going to have one? I do weddings and events,

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things like that. I don't think they returned that you

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will Instead of a pension he's opted

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for a buy to let. My property is always going to rent

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out to students. In Southampton Aerial Lee high student poptlation

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there. It is right in the cdntre of town so it is a great locathon and

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it will always rent, no matter what. put off by the constantly

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increasing retirement age. I don't trust pensions, I don't know

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if I'm going to live that long. Sometimes the retirement agd

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increases. From listening to people I can

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understand why people may w`nt to do something instead of pension,

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but they should consider For people that think it is too

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hard, there is something that will make it easier

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for employer, the employer could

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contribute to their pension service and we can give people

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helped to make it better. on just one source of incomd after

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retirement, don't rely on property. some have the sort of gold`plated

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final salary schemes that anyone who's signing up to a pension now

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will probably never get. I don't see myself as being in any

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way privileged. I see myself as having worked in public services for

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a relatively reasonable sal`ry but the attraction of it was

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reasonable pension at the end of the day. The pension is pretty good

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because it is indexed linked. And I know from year to year,

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I know exactly what it is I'm I am one of the lucky ones. I ended

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up with a final salary schele and I had been with the same comp`ny

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I am 67. I survive on a bashc loyalty with a decent pension.

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I am 67. I survive on a bashc pension of 72p per week.

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Between them that's an incole of roughly ?13,000 a year.

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Recently ?17,000 per person or household.

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Was the amount quoted for a healthy retirement. When you're young you

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don't think about 40 years hn the future, is art of creeps up to you

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and suddenly you get to 45 or 5 We don't take life too seriously cos

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I think if we did, those of us who might still have our

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heads in the sand. The majority of workers not have pension

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are not alone, there are lots of people like

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do not save for your later life what are you going to live on?

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onwards, younger people will know that when they get to

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the state pension is going to be around ?20 per day.

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of your life when you've re`ched retirement, fine, don't do `nything.

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But if you think you might want more than ?20 a day to have a decent

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lifestyle, then unless you do some saving now, you won't have `ny money

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So it's all about being prepared ` or is it?

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I was planning to start sorting out my pension age 40.

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After today I have realised that is far too late. The business hs going

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good, the I am happy with how things `re

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going. One thing's for certain thotgh,

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when it comes to keeping our heads above water when we retire, we're

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all going to have to plan ahead If you want more details on our

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pension survey, look at the website. That is all for this week. We are

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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.

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