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Pension fairies

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Messages: 1 - 43 of 43
  • Message 1. 

    Posted by snarklehound (U15065053) on Monday, 4th June 2012

    The last thing Betty did was to look at some travel brochures for a cruise to be able to relax more after putatively surviving her heart attack. So the fairies were operating long, long ago.

    I cannot believe that Mike as an ex-bankrupt farmer with presumably no capital and a tiny pension (if any) from his forestry work can possibly hope to retire. I discount the proceeds from the dairy business: if it makes a profit enough to pay a decent pension after five years Mike should go on The Apprentice. Vicky has a part-time job in one of the least well paid jobs known to man. Neither is yet eligible for a state pension, assuming that Mike has his NI payments up to date. Vicky is a spendthrift; Mike likes a drink. One can rest assured they have no savings.

    Frankly, SLs such as this are an insult to people who work hard and cannot contemplate this sort of "early retirement".

    Kenton will be next, no doubt.

    Report message1

  • Message 2

    , in reply to message 1.

    Posted by Pahnda (U14681704) on Monday, 4th June 2012

    Absolutely snarkers, they would be lucky to survive let alone have a great time.

    Report message2

  • Message 3

    , in reply to message 2.

    Posted by DestinationFreedom (U3119518) on Monday, 4th June 2012

    The recession-free zone that is the Borsetshire economy, where folk can make a prosperous living from cutting the odd hedge is something that completely baffles me.

    Report message3

  • Message 4

    , in reply to message 3.

    Posted by JoinedPeetsBoard_Smeesues_too (U14519481) on Monday, 4th June 2012

    But they not only have the farm house (half owned by Roy) they also have quite a bit of land too .. used to be a Market Garden? I think (?) Mike purchased this and the farmhouse with compensation money for his accident.

    Vicky also has the proceeds from her flat - though she's spent some on increasing thr herd
    JPBS

    Report message4

  • Message 5

    , in reply to message 4.

    Posted by JoinedPeetsBoard_Smeesues_too (U14519481) on Monday, 4th June 2012

    Here we are:
    ****
    1993/07/22 Mike and Betty Tucker buy Willow Farm which receives Soil Association classification as an organic market garden.
    *****

    Not sure if the Tuckers own the market garden land or its someone else's

    JPBS

    Report message5

  • Message 6

    , in reply to message 4.

    Posted by Auntie Molly (U14110968) on Tuesday, 5th June 2012

    But they not only have the farm house (half owned by Roy) they also have quite a bit of land too .. used to be a Market Garden? I think (?) Mike purchased this and the farmhouse with compensation money for his accident.

    Vicky also has the proceeds from her flat - though she's spent some on increasing thr herd
    JPBS 
    She also spent some of it on having the Willow Cottage garden redesigned and redone. What she has left won't be enough to live on for 40-50 years. Certainly not if she's planning to have lots of holidays. And she'll not get much of a state pension if she retires now - she is already only working two days a week. What planet is she on?

    Report message6

  • Message 7

    , in reply to message 6.

    Posted by Lardycake (U15279054) on Tuesday, 5th June 2012

    Quite. What sort of idiot is she, giving up a job in this day and age? Even if Mike had enough money coming in to keep both of them alive, she would still miss the little bit of extra spending power her job gives her. This SL is utterly improbable.

    Report message7

  • Message 8

    , in reply to message 7.

    Posted by Sixties Relic SAVE ML (U13777237) on Tuesday, 5th June 2012

    I agree. Ludicrous. I doubt if Mike HAS any pensions due except his state pension. And is he due to get this at 65 or a year or so later.

    Report message8

  • Message 9

    , in reply to message 8.

    Posted by tony (U2968144) on Tuesday, 5th June 2012

    Mike born 01 Dec 1949 entitled to state pension at 65 end of 2014 not sure about Vicky women's entitlement reaches 65 for those born in late 1953 so she may have some time to go. Has she paid her stamps or paid "married women's" contribution?

    Report message9

  • Message 10

    , in reply to message 9.

    Posted by returnmigration (U14260026) on Tuesday, 5th June 2012


    This SL is about winding Brenda up - realising her life with Tom is ruddy dull and will remain so.

    Stand by for big friction between her and Tom (hopefully).

    .

    Report message10

  • Message 11

    , in reply to message 10.

    Posted by anna kist (U2314477) on Tuesday, 5th June 2012

    Or it could be the beginning of the end for Mike and Vicky when she finally realises that she hasn't married someone who is comfortably off and that when he retires life will become pinch and scrape unless she works full time.

    Vicky is not very bright and doesn't believe in hard work..

    Report message11

  • Message 12

    , in reply to message 11.

    Posted by barwick_green (U2668006) on Tuesday, 5th June 2012

    Or it could be the beginning of the end for Mike and Vicky when she finally realises that she hasn't married someone who is comfortably off and that when he retires life will become pinch and scrape unless she works full time.

    Vicky is not very bright and doesn't believe in hard work.. 
    < Vicky is not very bright and doesn't believe in hard work.. >

    This may have discussed previously but I am sure that when Vickoi's name was first mentioned by Moike he said she was a receptionist at his dentists. When the character was introduced she claimed to be a dental nurse. (And one who could change/swap her shifts as often as she liked.)

    Another UCE?

    Report message12

  • Message 13

    , in reply to message 1.

    Posted by wynkyn de worde (U14928439) on Tuesday, 5th June 2012

    Dear SH

    >>"Frankly, SLs such as this are an insult to people who work hard and cannot contemplate this sort of "early retirement"!<<

    Excellent post.

    However I am sure someone (Moike or was it Vickoi?) said that they could sell!! the bottling plant to that effete, and wealthy business man Jazza.

    What can a bottling plant cost/be sold for?

    Report message13

  • Message 14

    , in reply to message 4.

    Posted by wynkyn de worde (U14928439) on Tuesday, 5th June 2012

    But they not only have the farm house (half owned by Roy) they also have quite a bit of land too .. used to be a Market Garden? I think (?) Mike purchased this and the farmhouse with compensation money for his accident.

    Vicky also has the proceeds from her flat - though she's spent some on increasing thr herd
    JPBS 
    Dear JPBS

    Do you actually live in Ambridge?!

    God Save the Queen!

    Report message14

  • Message 15

    , in reply to message 13.

    Posted by cath (U2234232) on Tuesday, 5th June 2012

    >What can a bottling plant cost/be sold for?<

    It depends on the income Mike makes from it and is generally a multiple of annual income with various factors taken into account.

    To be offended at fictional people thinking about retirement is pretty silly imo. You might just as well be offended at fictional people going on a foreign holiday because lots of hard working people can't afford to do so themselves.

    If people are going to be offended by what fictional characters are doing in their fictional lives they're probably better off reading their own diaries and looking in the mirror.

    Report message15

  • Message 16

    , in reply to message 15.

    Posted by Auntie Molly (U14110968) on Tuesday, 5th June 2012

    >What can a bottling plant cost/be sold for?<

    It depends on the income Mike makes from it and is generally a multiple of annual income with various factors taken into account.

    To be offended at fictional people thinking about retirement is pretty silly imo. You might just as well be offended at fictional people going on a foreign holiday because lots of hard working people can't afford to do so themselves.

    If people are going to be offended by what fictional characters are doing in their fictional lives they're probably better off reading their own diaries and looking in the mirror. 
    I think people feel it's their intelligence that has been insulted by the implausibility of Mike and even more Vicky being able to afford to think about retirement.

    Do you think that Vicky is being realistic? A simple yes or no will suffice?

    Report message16

  • Message 17

    , in reply to message 13.

    Posted by Lakey_Hill (U14391672) on Tuesday, 5th June 2012

    It doesn't matter what it can be sold for if Jazzer is the only customer. He can't possibly have any savings.

    Report message17

  • Message 18

    , in reply to message 16.

    Posted by Buntysdaughter (U7084475) on Tuesday, 5th June 2012

    Auntie Molly, no, I don't think Vicky is being realistic. .

    Report message18

  • Message 19

    , in reply to message 17.

    Posted by Auntie Molly (U14110968) on Tuesday, 5th June 2012

    And the bank is bound to look favourably on him when he asks them for a loan aren't they?

    Report message19

  • Message 20

    , in reply to message 17.

    Posted by wynkyn de worde (U14928439) on Tuesday, 5th June 2012

    It doesn't matter what it can be sold for if Jazzer is the only customer. He can't possibly have any savings.  Blimey LH

    You mean that Jazza can't come up with the goods to provide Moike with the funds for a never ending world cruise?

    Surely not!

    Report message20

  • Message 21

    , in reply to message 16.

    Posted by maggiesaes (U2771771) on Tuesday, 5th June 2012

    No she's not being realistic or practical it's a non starter.

    Report message21

  • Message 22

    , in reply to message 16.

    Posted by cath (U2234232) on Tuesday, 5th June 2012

    >Do you think that Vicky is being realistic? A simple yes or no will suffice?<

    Unlike you, I have no certainty about Mike and Vicky's finances so I can't say yes or no.

    If Mike & Betty were able to retire a few years ago then it seems quite possible that Mike and Vicky could retire now, depending on what had changed in their finances since then. Looking at the changes, they seem to have an expanded business with an injection of capital from the sale of Vicky's flat so if Mike and Betty were able to retire then it doesn't seem unreasonable to assume Mike and Vicky could retire now.

    People who are insulted by the implausibility of fiction really should find something better to do with their time imnsho.

    Report message22

  • Message 23

    , in reply to message 22.

    Posted by terracottadog (U13816203) on Tuesday, 5th June 2012

    Isn't the point of this plot the contrast between Mike and Vicky's aspirations? He looks forward to lounging in front of the telly and the odd coach trip while she imagines a life of foreign holidays.

    I think lots of us dream without going into the hard figures. Maybe Mike has a few thousand saved a small pension and a paid for house and two earning children. He's vaguely thinking that with a full state pension continuing part time work and modest aspirations he'll manage OK. Vicky on the other hand (completely in character) isn't thinking at all.

    The resolution of this situation (Vicky coming to her senses? Vicky clearing off to richer pastures? Brenda interfering?) seems to me to be just the sort of light traditional Archers plot line that the audience likes.

    Incidentally, if they really wanted to retire now and live Vicky's dream, I reckon they need a pension pot of a least a million pounds and preferably a couple of hundred thousand in savings.

    Report message23

  • Message 24

    , in reply to message 22.

    Posted by wynkyn de worde (U14928439) on Tuesday, 5th June 2012

    OC

    >>"People who are insulted by the implausibility of fiction really should find something better to do with their time imnsho"<<

    It's not the fiction. Its the total stupidity of the writing . If they don't care to be accurate in writing in a "real world environment" any more why should I listen?

    If I want Fantacy/SF I will stick to Steven King

    Report message24

  • Message 25

    , in reply to message 22.

    Posted by Auntie Molly (U14110968) on Tuesday, 5th June 2012

    >Do you think that Vicky is being realistic? A simple yes or no will suffice?<

    Unlike you, I have no certainty about Mike and Vicky's finances so I can't say yes or no.

    If Mike & Betty were able to retire a few years ago then it seems quite possible that Mike and Vicky could retire now, depending on what had changed in their finances since then. Looking at the changes, they seem to have an expanded business with an injection of capital from the sale of Vicky's flat so if Mike and Betty were able to retire then it doesn't seem unreasonable to assume Mike and Vicky could retire now.

    People who are insulted by the implausibility of fiction really should find something better to do with their time imnsho.  
    A few years ago the economic climate was very different.

    if the expanded dairy business is so profitable after a couple of years that they can contemplate an early retirement of round the world travel well all I can say is why aren't the likes of Richard Branson and Duncan Bannatyne seeking Mike's advice because compared with him they are mere fumbling amateurs.

    Report message25

  • Message 26

    , in reply to message 24.

    Posted by maggiesaes (U2771771) on Tuesday, 5th June 2012

    OC

    >>"People who are insulted by the implausibility of fiction really should find something better to do with their time imnsho"<<

    It's not the fiction. Its the total stupidity of the writing . If they don't care to be accurate in writing in a "real world environment" any more why should I listen?

    If I want Fantacy/SF I will stick to Steven King 
    Exactly there is s difference between fiction and sher fantasy

    Report message26

  • Message 27

    , in reply to message 25.

    Posted by cath (U2234232) on Tuesday, 5th June 2012

    >if the expanded dairy business is so profitable after a couple of years that they can contemplate an early retirement of round the world travel well<

    Ah, so like me you don't have any certainty about Mike and Vicky's finances (this is like deja vu when you claimed you did, when Vicky first came on the scene).

    I think you'll find that Vicky was fantasising. Actually I had to smile at that scene as I've had that very same fantasy of going on that Canadian train through the Rockies which is probably why I sympathise with her. There's nothing wrong in that and reality sets in when you realise you can't afford it.

    Why so many people should be so affronted about someone fantasising about a holiday or whether they and their spouse can, or cant, afford to retire, is beyond me.

    Report message27

  • Message 28

    , in reply to message 22.

    Posted by Lardycake (U15279054) on Tuesday, 5th June 2012

    "People who are insulted by the implausibility of fiction really should find something better to do with their time imnsho"

    In order to enjoy fiction, you need to be able to suspend disbelief. In this case, I can't, so it's bad fiction, and insulting to the listener.

    I wonder whether Vicky has talked Mike into having a joint account? If she's going to give up her job, she's not going to want to go begging to Mike every time she wants to spend money. But who in their right mind would have a joint account with her? She's got at least 20 years to go before she can draw her state pension, and the money from selling her flat will have run out long before that.

    I do hope she's not a dental nurse. There's more to it than just handing the dentist the probe, and I wouldn't want to be sat in the chair while she's distracting him/her with her inane chatter.

    Report message28

  • Message 29

    , in reply to message 27.

    Posted by A Frend (U2249422) on Tuesday, 5th June 2012

    This could be a good SL. Mike always gives in to Vicky but their aspirations in relation to retirement seem to be quite different and so there's quite a bit of capacity here for misunderstanding.

    Mike and Betty might have been about to retire some years ago but that retirement and holiday might have been a lot more modest than what vicky's envisaging now. Also Vicky's a lot younger than Mike and can probably expect to live for at least another 30 or so years. Her needs in later life when Mr Bubbles has gone to his rest will probably feature in Mike (and Brenda's) calculations.

    Report message29

  • Message 30

    , in reply to message 27.

    Posted by DracoM1 (U14252039) on Tuesday, 5th June 2012

    I still think this is part of a long term easing out of the longest serving members of the TA community to make way for younger, more Stenders type characters and SLs, and reducing the reliance on the agricultural rhythms and way of life.

    Report message30

  • Message 31

    , in reply to message 28.

    Posted by cath (U2234232) on Tuesday, 5th June 2012

    >In order to enjoy fiction, you need to be able to suspend disbelief. In this case, I can't, so it's bad fiction, and insulting to the listener.<

    If you can't imagine two people talking about their retirement and fantasising about what they're going to do (where there's inevitably going to be a clash) then I think this fiction is not for you. There's nothing wrong with the SL and unless I'm really stupid (and I'm arrogant enough to say I'm not) there's nothing here to insult the intelligence of an intelligent listener. It's all about character and personality, the stuff of drama.

    Report message31

  • Message 32

    , in reply to message 13.

    Posted by hiya_loxley (U2274305) on Tuesday, 5th June 2012

    < What can a bottling plant cost/be sold for? >

    And what is a bottling plant anyway? I visualise a smallish machine used for about 20 minutes twice a day to seal that day's milk into plastic or glass bottles, not some huge industrialist complex which will sell for a capital sum big enough to keep two people in luxury for the rest of their days.

    My fantasy is that it must be one of those ginger beer plants that produced about two bottles of fizzy pop a week when we were little.

    Report message32

  • Message 33

    , in reply to message 1.

    Posted by snarklehound (U15065053) on Tuesday, 5th June 2012

    Interesting posts in reply to my OP. I don't think it is unreasonable to criticize impossible story lines just because TA is a fiction and we ought to have something better to do with our lives. Posting is one of the things we choose to do and we could all go off and improve the world in various ways, doubtless, but it wouldn't be so much fun right now.

    Vicky and Mike have already had friction over spending: I can't remember the honeymoon destination beginning with B but Vicky thought it was Biarritz or Barbados while Mike had booked Bournemouth or Bridlington (preferable imo), or some such.

    It is very much in the interests of Brenda and Roy and family to know Mike and Vicky's plans, if not to try to influence them. If M and V spend all their money, B and R will doubtless have to support them in some way, despite any protestations about "it's my life". That's what families do.

    What are the terms of the ownership of Willow Farmhouse? Do Roy and Hayley own their half or has Mike kept ownership of the whole property? If so, what would happen if he wanted to sell up to spend the cash on Teddies from the Whole World on Vicky. Do they have any security? If they do own their half, where does that leave Brenda? Is it equitable, and would any solicitor countenance the possibility, to give one child half the house and to leave the other child without? These are very real questions and cause huge friction among families after the thoughtless ones have departed this mortal coil.

    Has Mike made a will? If so, where does Vicky stand in all this? Will she get all Mike's empty milk bottles and unused tetrapacks? What will Brenda and Roy say?

    Does Mike even have a solicitor? He seems unable to count beyond two (or possibly if he uses both hands he can grasp up to 40D).

    There was a time when public interest notices were filtered to the public through TA. This could be just such a time. Talk to your family; use a solicitor (preferably one who isn't racked by guilt and distracted) and make a will.

    Filing all that, grab some SWs who have some idea of how the world works.

    Report message33

  • Message 34

    , in reply to message 14.

    Posted by JoinedPeetsBoard_Smeesues_too (U14519481) on Tuesday, 5th June 2012

    But they not only have the farm house (half owned by Roy) they also have quite a bit of land too .. used to be a Market Garden? I think (?) Mike purchased this and the farmhouse with compensation money for his accident.

    Vicky also has the proceeds from her flat - though she's spent some on increasing thr herd
    JPBS 
    Dear JPBS

    Do you actually live in Ambridge?!

    God Save the Queen! 
    Eh? Why do you ask that? I got it from the old archives .. you can look them up yourself if you wish to check!
    JPBS

    Report message34

  • Message 35

    , in reply to message 34.

    Posted by wynkyn de worde (U14928439) on Tuesday, 5th June 2012

    JPBS.

    Jubilated out...

    Sometimes your posts remind me of the bloody polis. Party line et cetera - black's white kind of stuff you know.

    Thank you for divulging the secret....

    Report message35

  • Message 36

    , in reply to message 34.

    Posted by JoinedPeetsBoard_Smeesues_too (U14519481) on Tuesday, 5th June 2012

    Here is the piece from the archives:
    ****
    1993/07/22 Mike and Betty Tucker buy Willow Farm which receives Soil Association classification as an organic market garden.
    ******
    Now parts of Willow Farm were sold off to various people .. so whether the market garden bit belongs still to Willow Farm is unknown (to me).

    As for DEntal Nurse vs Receptionist - it is reasonable for Mike to have called her a receptionist when he first met her - for why should he be precise? Some dental nurses act as receptionists when required ...
    JPBS

    Report message36

  • Message 37

    , in reply to message 22.

    Posted by Chris Ghoti (U10794176) on Tuesday, 5th June 2012

    Mike and Betty were not planning to retire in December 2005 as far as I know. Mike was suggesting that they might take a cruise to Greece if he could afford it, to give Betty a holiday (possibly the first one she ever had in her life) while she recovered from her heart attack. He had also said that he wouldn't have Betty going back to work -- but I don't remember him ever suggesting that they could both retire, at that time.

    At the time of the dairy being founded Mike had no money to spare at all, and since then he has got the new bottling equipment, which presumably wasn't free or off the back of a lorry. Either he must have borrowed money from the bank, or he was skint in 2009. How much has he been stashing away since that August? Enough to go on holidays in Dubai and take trains across Canada?

    She did say one definite thing: that when Mike retires she will hand in her notice pretty sharpish.

    After which they will be living on what either of them has saved (and not spent on a lot of re-redecoration, and garden landscaping, and such) and on whatever they may have as state pensions, because I am quite sure that Mike, ex-bankrupt, moneyless when it came to either refurbishing his house or contributing extra to the dairy, has not been paying into a private pension all these years. Vicky might have been, of course, and be prepared to fund Mike till the day of his death...

    Report message37

  • Message 38

    , in reply to message 37.

    Posted by JoinedPeetsBoard_Smeesues_too (U14519481) on Tuesday, 5th June 2012

    So what about the "organic market garden" then? Is that part of Willow farm and owned by Mike. How much land is associated with it?

    I only have the "chronology" to look through - the buying and selling of land which was originally part of Willow Farm confused me ..
    JPBS

    Report message38

  • Message 39

    , in reply to message 38.

    Posted by Chris Ghoti (U10794176) on Tuesday, 5th June 2012

    My memory says that Neil bought it for his pigs and it was also used for strawberries and for hens, all of them becoming Neil's projects. Certainly the land belonged to Neil not to Mike when it was available for the building of Pig Arc View I mean sorry Ambridge View.

    Report message39

  • Message 40

    , in reply to message 9.

    Posted by NewEssexWoman (U9776561) on Tuesday, 5th June 2012

    Mike born 01 Dec 1949 entitled to state pension at 65 end of 2014 not sure about Vicky women's entitlement reaches 65 for those born in late 1953 so she may have some time to go. Has she paid her stamps or paid "married women's" contribution? 
    Vickoi will have paid full NI - there hasn't been 'married woman's stamp' for a very long time. Under current arrangements she will be entitled to her state pension at 66, though it is quite likely to rise to 67 for people of her age.

    She will need 30 years of work to get a full pension (I think part-time work counts fully as long as she's earning enough to ay NI) so I presume she won't be far off that. There is also talk about giving everyone a full pension regardless of their work record but no-one is committing themselves to that at the moment.

    So, Vickoi will probably be entitled to something not far short of a full state pension when she reaches retirement age but she'll have to wait for another 20 or so years before she receives it.

    I agree that it will be pretty difficult to live on Mike's state pension but they can always live off their savings and when they run out (sooner rather than later, I fear) then Mike can always claim pension credit and any other benefits that are going (not that they will fund Vickoi's dreams, of course).

    Report message40

  • Message 41

    , in reply to message 39.

    Posted by cath (U2234232) on Tuesday, 5th June 2012

    Neil didn't buy any land. He inherited the land from Bill Insley.

    Mike was definitely talking about retiring before he decided to invest in the milk business.

    Report message41

  • Message 42

    , in reply to message 2.

    Posted by toffee (U8026926) on Tuesday, 5th June 2012


    Vicky won't be getting a state pension for about another 20 years if she's only 48!

    Report message42

  • Message 43

    , in reply to message 42.

    Posted by snarklehound (U15065053) on Tuesday, 5th June 2012


    Vicky won't be getting a state pension for about another 20 years if she's only 48! 
    But in the new Eastarchers she and Moike can do a bank job and go off to live in Torremolinos or wherever gangsters hang out these days.

    Report message43

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