I am over 60 and may work for a few years there. Its good to have your explanation on these topics for my preparation. Well done.🙂
@andyartstudio Жыл бұрын
Thanks so much ! Bear in mind that check in HMRC website for your contribution you had made.💛😉
@chunsingli8911 Жыл бұрын
你D片睇得到你做左好多功課,好有營養,超讚
@andyartstudio Жыл бұрын
多謝讚賞💛🙏🏻 換來一對熊貓眼🙈
@AABB00001 Жыл бұрын
多謝Andy, 內容十分充實有用,加油!
@andyartstudio Жыл бұрын
謝謝支持💛🙏🏻
@wts0000 Жыл бұрын
解說很清楚和有條理,對本人了解英國退休金制度很有幫助👍🏾👍🏾
@andyartstudio Жыл бұрын
感謝支持💛
@mariabuckley7099 Жыл бұрын
報導正面資料幫助新移民定居的平台,值得讚!
@andyartstudio Жыл бұрын
謝謝支持🙏🏻💛🤗
@btshare2270 Жыл бұрын
👍🏻👍🏻👍🏻呢集真係好有用呀,多謝Andy花時間做功課!
@andyartstudio Жыл бұрын
謝謝您BT兄💛
@kim4547 Жыл бұрын
同感❤
@美人魚-w4p Жыл бұрын
Thank you for sharing 如果冇留意NI供款原來真係好大件事😰
@andyartstudio Жыл бұрын
係,時不時都要留意
@Nelson-n1i9 ай бұрын
If u have a property in the UK you can obtain 'Equity Release' or 'Reverse Mortgage' when u are 60 or over. It's an alternative
@andyartstudio9 ай бұрын
Thanks for your advice 💛
@wingtam8637 Жыл бұрын
呢集資訊好有用👍🏻,我都有諗過呢個問題,因為我正正就係要湊小朋友而不能出外工作,加油💪🏻
@andyartstudio Жыл бұрын
Hi 謝謝觀看💛🙏🏻下一次我會分析另一個供NI方法俾大家,希望幫到一些現時難於打工的朋友
@lamgina1331 Жыл бұрын
非常有用資訊,thank you!
@andyartstudio Жыл бұрын
Hi, 謝謝支持🙏🏻💛
@calvinsuen3604 Жыл бұрын
好有用的資訊分享,非常感謝
@andyartstudio Жыл бұрын
多謝支持💛🙏🏻😊
@scc1650 Жыл бұрын
謝謝Andy 分享, 超詳盡及有用,謝謝👏🏻👏🏻💪🏻💪🏻
@andyartstudio Жыл бұрын
感謝支持💛🙏🏻
@allaboutart168 Жыл бұрын
勁👍🏻, 有深入研究
@andyartstudio Жыл бұрын
謝謝欣賞💛😃
@georgeleung8981 Жыл бұрын
I still need to pay NI after i reached the State Pension age(66,67,68) However, that NI won't be paid back for me. Only the amount I contributed on or before the state pension age will be paid me back provided that I made up the ten years rule?
@andyartstudio Жыл бұрын
You no need to pay any NI contributions after you reach the retried age. Unfortunately, there is nothing be paying back for you either state pension or any contributions you had paid before... However, you should find HMRC for advice in your case.
現在他們說過去兩年沒有完成(year is not full), 需要我在2028年和2029年前交付~800鎊完成, 我關注的是在未來每一年(如果工作性質和收入不變)都要交這個short-fall才可滿足退休領取NI資格, 那我是要活至佰歲才抵數? 那麼又如何申報才可支付較少供款? 謝謝@@andyartstudio
@tsoeva4953 Жыл бұрын
Hi, If I want to fill the gap of NI contribution. Can I pay by cheque directly to MHRC
@andyartstudio Жыл бұрын
Yes, you can. How long it takes You can make same or next day payments: by approving a payment through your online bank account by online or telephone banking (by Faster Payments or CHAPS) at your bank or building society You can pay within 3 days using online or telephone banking (by Bacs) or by cheque through the post.
@JiangJiang-hs4gx5 ай бұрын
請問什麼人有資格有pension credit?
@lodicky2544 Жыл бұрын
好有用,感謝Andy👍🙏
@andyartstudio Жыл бұрын
多謝支持💛🙏🏻
@georgeleung8981 Жыл бұрын
I will move to Uk at 65. Anybody can tell what can I do re NI, NI credit? How many years of Ni I need to make voluntary contribution & how much?
@andyartstudio Жыл бұрын
Hi, you still need to pay for the NI when you work. However, the State pension would not be pay back for you when retried.
@georgeleung8981 Жыл бұрын
I still need to pay NI after i reached the State Pension age. However, that NI won't be paid back for me. Only the amount I contributed on or before the state pension age will be paid me back provided that I made up the ten years rule?
@andyartstudio Жыл бұрын
@georgeleung8981 Negative. Everyone will not need to pay NI contributions reached retried age. If you hadn't contributed at least 10 years for NI. You can't receive any State Pension when you retire. However, you still have the right to apply Pension Credit (Public Fund) if you have any financial problems. Hope that information can help you.
You contribute back 10 years NI, then you can entitle 10/35 full state pension, eg currently 203 pounds X 10/35 per week you need to think about how much you payback 補交10 年qualified year NI? eg, 10X 1200 pounds? = 12,000 pounds or more? Is it worth to get than 203 pounds X 10/35 per week, unless you think you can reach 100 years old or more. Good Luck!
@meenachiu Жыл бұрын
如果是BNO就不可能,但如 來英是已是英籍 British citizenship 。但同時在港工作有沒申報交税呢?
Hi 謝謝回覆! 對,state pension 係會當收入一部份,仍會計算在£12570(2023-2024年度)的免稅額內,假設您拎到Full State Pension 即每年£10600,您仍有£12570-£10600=£1970 的免稅額可用。 Are all pension payments taxable? The short answer is yes, income from pensions is taxed like any other kind of income.
謝謝留言💛 在您問題中應該是指State Pension內的credit,並不是Pension Credit 。如果NI自願供款for state pension是可以追溯返以往6年內的gap year 指定金額,可以去check-ni-contribition 政府網站就check得到。但先賣個關子,下一集會教大家不需要昂貴的gap year 指定金額就可以供到ni,密切留意
Hi,這是一個為失業人士準備的課程,類似香港的ERB,報讀時都要提供Ni number ,但不是任何課程也可以這樣操作
@nancylee7428 Жыл бұрын
Very clear. Subscribed
@andyartstudio Жыл бұрын
Thanks💛😊
@chikongalexwu6220 Жыл бұрын
hi, if i arrived uk in jul 2021 and start working in uk, can i contribute NI gap before jul 2021 in order to earn pension credit ?
@andyartstudio Жыл бұрын
Sure, you can pay for voluntary ni when you had applied the ni number at the same financial year. (In your case, you can pay for April-July )However, you better to check it out at your gateway acct. www.gov.uk/check-national-insurance-record
hi, thanks for sharing, very useful. I have 3 simple queries : 1. in contributing NI for just 2 years, if i stop contributing NI (no work) or contribute gap NI credit, i still cannot get the money back when retired ? 2. if pay the gap NI credit up to 10 years (i contributed 2 years NI already), got BC, then if move back to HK after 6 years whether still can enjoy pension when retired ? 3. I contributed NI for 2 years (around GBP650 per month), if i stop working now, my gap NI credit also be calculated based on GBP650 per month ? thanks for assistance.
@andyartstudio Жыл бұрын
Thank for queries ! 1. Yes, the min. contributions are 10 years. You still need more 8 years for the state pension. 2. It is a good question I haven't mentioned. You can still get the pension. But you can't get pension increases yearly if you don't live in a European Economic Area (EEA) country or a country which has a social security agreement with the UK. (Hong Kong is not included). 3. Unfortunately, ni contributions only depend on how times you had paid by each week/month. No matter how much you had paid.
@chikongalexwu6220 Жыл бұрын
@@andyartstudio thanks andy. for query 1 : if i not working, not to pay gap NI credit, can i take back the contributed NI (2 years) from government ? 2. you mean if i contributed 10 years NI, I can get GBP58.24 per week without any increase until the end ? 3. for gap NI, may i know how much i need to pay if i not working now ? (~GBP15.4) per week, 15.4 x 4 = 61.6 per month ?
@andyartstudio Жыл бұрын
@chikongalexwu6220 @chikongalexwu6220 You are welcome. 1) Unfortunately not. You can't get back any contributions once you've paid. Because NI payments not only for state pension. 2) Yes, depend on how long you will stay in UK. However, you stay aboard for a long time but back to UK. The increasing will be starting again. 3. Yes, but you are better to login in the HMRC acct for the details every end of financial year. Moreover, you can have your NI contributions through Class 2 or Class 4. I will tell more about it next video .
@chikongalexwu6220 Жыл бұрын
@@andyartstudio sorry last query, the retirement age is age 65 ?
@@douglaskan i feel sorry about your situation ,但您放心吧,我敢說以現時英國的福利,是絕對可以保障我們有瓦遮頭,三餐溫飽,不必需要太擔心起居生活問題。 我明白到您經歷過不少的人生轉變,的確一點也不容易,如果有心事想分享,我和很多其他香港人也會願意聆聽,還有很多朋友願意陪伴您💪🏻💛
You’re eligible for the basic State Pension if you were born before: 6 April 1951 if you’re a man 6 April 1953 if you’re a woman If you were born on or after these dates you must claim the new State Pension they need 30 years in total to qualify for 100% entitlement in basic State Pension. New State Pension: You did not make National Insurance contributions or get National Insurance credits before 6 April 2016 Your State Pension will be calculated entirely under the new State Pension rules. You’ll usually need at least 10 qualifying years on your National Insurance record to get any State Pension. You’ll need 35 qualifying years to get the full new State Pension. You’ll get a proportion of the new State Pension if you have between 10 and 35 qualifying years.