Originally Posted by Luckyone

Hi there,
not sure the part about your years in Canada etc is correct in order to get a full UK pension. If you take a look at the attached link there's a bit more to it than that. It's to do with how long you've been out the UK versus how long you've been back etc etc.

You do need to have a good read but whether or not you'll qualify for a full UK pension is not as easy as your post might suggest.......at least not the way I understood the attached link from the UK. Maybe Austratlia is different from Canada eh?

Too important an issue to get wrong methinks.......


http://www.dwp.gov.uk/international/...social/#canada

Originally Posted by Englishmum

The Cotswolds villages are lovely, with honey-coloured stone houses, dry stone walls it comprises Gloucestershire up to the south Warwickshire border and parts of Oxfordshire. Bourton-on-the-Water is pretty but a tourist trap (lots of coach parties, Japanese and Americans on tours, OAP coach holidays etc.). Upper and Lower Slaughter, Broadway, Chipping Campden, Chipping Norton, Northleach etc. (Chipping is an ancient word for 'market'). There are many Roman relics in the Cotswolds (the Fosse Way, a Roman Road passes through it...I often drive along it on visits to England and you can tell the Romans built it as the road is almost straight along the whole length of it, with hardly any bends) Property is very expensive as many Londoners have bought weekend homes in the Cotswolds, driving out the locals. This part of the country became prosperous because of the wool trade.

A few years ago we were fed up of trekking round to visit relatives and friends around the UK on our trips home, so one year we rented a grist-mill in a Cotswolds hamlet (on an estate) and got them to visit us for a change! There are many cottages to rent on the estate, including some just for two people.....a nice place to stay for a special celebration. We liked walking up to the pub at the entrance to the estate, hearing the owls hooting at night, all the cattle and sheep freely roaming at the exit to the estate on the country road to Stroud, all the lovely walks in the vicinity (we walked to Uley Bury, the nearby Iron Age hill fort)...and the food at the Cyder House restaurant next to the Manor house was sublime.

Anyone can just drive through the estate and dine there (lunches and dinners) and the gardens are also open to the public:

http://www.owlpen.com/index.shtml (the whole website is an interesting read with gorgeous photos of the local countryside)

http://www.owlpen.com/grist_mill.shtml (we stayed in this....lovely!)

http://www.owlpen.com/OwlpenReviews.shtml

http://www.owlpen.com/location.shtml (maps of the Cotswolds/attractions)

(I can imagine it's beautiful right now with the daffodils blooming and lambs frolicking in the fields...)

Originally Posted by jasper123

Hello Luckyone,
I was not talking about myself I was referring to the lady in Australia, and all I said is that (If she is NOT eligible for a full state pension in Australia)then she can apply all her credits/years that she has worked in Australia towards her now few UK credits and she SHOULD be able to receive a full british pension, but that will not apply though if she is already receiving or will soon be eligible for a Auz state pension, but then I may be altogether wrong because I was just going on my case living and working in USA for the past 33 years and my 3 years in Canada and 4 years in Australia that those 7 years are added to my 10 years of NI work in UK which gives me 17 years of coverered work in UK --- SO I will be getting 17 years worth of UK pension which roughly works out to about 66% I think,

Originally Posted by Taffy Duck

Hi Rodney on the new pension system starting April 6th,2010 you will receive 17/30th's which is almost 57% and at the present moment basic pension is approximately 90 pounds per week so you will get 57% which equates to about 51 pounds per week....

cheers...Taffy

Originally Posted by Taffy Duck

Hi Rodney on the new pension system starting April 6th,2010 you will receive 17/30th's which is almost 57% and at the present moment basic pension is approximately 90 pounds per week so you will get 57% which equates to about 51 pounds per week....

cheers...Taffy

Originally Posted by Mallory

That Rodney will have the ladies chasing him, coming from USA and having pensions from two different countries! Course, I'm sure he knows how to "play his cards right," coming from Las Vegas!

Originally Posted by Englishmum

From time to time (when I need a 'Brit Fix') I like to look at a thread posted on an expat site for American & Canadian expats living in the UK.

Someone started a thread (back in 2004 and still ongoing) asking their compatriates what they liked about living in the UK and what they would miss if/when they move back to their home country.

The title is: "I need to hear good things about the UK"

It runs to 15 pages! So if you feel inclined to read it, make a cuppa, pull up a chair and it may help you in your decision about whether or not you feel you should move back to the UK or not....

http://talk.uk-yankee.com/index.php?topic=3338.0

One comment really was mind-opening for me - "Christmas carol services in a church older than my country". I was married in a tiny Norman church in the country (Warwickshire) and I do smile ruefully when something over here (New Jersey) dating from Victorian times is considered 'historic'....

Originally Posted by Relocateme

Got any idea with mine Taffy...I have 12 UK and 27 Canadian?...it seems like I am better off just waiting till I get back to UK before applying or it would be frozen by now if had started collecting

and whose basic pension is worth more UK or Canada? do you know if you can carry on working after 60 if you want or if you are short of qualifying years..actually though I dont know how much longer I can keep going to be honest...

Originally Posted by Relocateme

Got any idea with mine Taffy...I have 12 UK and 27 Canadian?...it seems like I am better off just waiting till I get back to UK before applying or it would be frozen by now if had started collecting

and whose basic pension is worth more UK or Canada? do you know if you can carry on working after 60 if you want or if you are short of qualifying years..actually though I dont know how much longer I can keep going to be honest...

Originally Posted by Taffy Duck

If you have any RRSP's..... with the great exchange rate at present I would be paying the 25% with holding tax to the Canadian Gov on departure and depositing it in the UK in a Tax free interest savings account....

Hope this helps....

cheers...Taffy
P.S. and maybe we can have a few pints together....

Originally Posted by Luckyone

Hi there:
how would this work? What tax free account is there that would allow you to deposit the RRSP funds in in this way?
Sounds really interesting but surely an ISA wouldn't allow this???

Originally Posted by Taffy Duck

Hello once you pay the 25% with holding tax on departure from Canada is ceases to be a RRSP it's your money to do what you want with it and at the present moment in Britain you can put up to 10000 pounds for the first year in a TFSA....

Note if you wish you can still leave your RRSP's in Canada and be a non-resident....if you withdraw from them while you are in the UK, say on a monthly basis you will not have to pay Canadian Tax, however you are subject to UK tax as income...the only time you pay tax to the Canadian Gov. is when you cash in all your RRSP's on departure and that would be 25% with holding tax as stated prior...

cheers...Taffy

Originally Posted by Luckyone

Hi Taffy:
have you got a link to a site that explains this please? I checked the latest ISA stuff on the government sites and it does say that the amounts that over 50's can save in an ISA has been increased to 10,200 GBP per year, but only half of this amount can be in cash. I couldn't see anything about the first year allowance you refer to.
Thanks.....