Isn't it time we raised the cut-off age for paying NI

Mollygo

^I find you rude and insulting.^

Et tu DaisyAnne

But I find you rude and insulting because you have attempted to financially profile me based on no facts whatsoever. That seems to be in order to pressure or should we say coerce me into feeling I must disclose my finances on an open forum or otherwise accept the views you put forward about me.

Such behaviour, as well as being coercive is, factually, both rude and insulting and seems to be your reaction to someone simply not agreeing with you. Isn't that also bullying?

Please explain where I have, in any way, behaved like this towards you Mollygo or is you "Et tu" just you, lashing out as you seem to do when anyone doesn't agree.

Such behaviour, as well as being coercive is, factually, both rude and insulting and seems to be your reaction to someone simply not agreeing with you. Isn't that also bullying.
Et tu DA, though you’d never see yourself in that light.

Mollygo

Such behaviour, as well as being coercive is, factually, both rude and insulting and seems to be your reaction to someone simply not agreeing with you. Isn't that also bullying.
Et tu DA, though you’d never see yourself in that light.

How have I attempted to coerced you to reveal things you had chosen not to? That is what "et tu" would imply. You have also cast doubt on my veracity. You suggest you know my financial position and that it is because of that knowledge you can declare I am painting an untrue picture. You actually have no idea.

You don't explain why you know "it doesn't necessarily do that", as you put it. Nor do you explain why my knowledge, however gained, does not allow me to see how benefits work for those in receipt of them. You just suggest you know better. You stopped discussing the problem in order to insult me, presumably because you have nothing to say to support your unfounded suggestion.

Simply repeating, "et tu" does not explain anything. Tell me what I have done to you, and I will apologise. Otherwise, my opinion of your knowledge and manners will remain the same.

Doodledog

Are the self-employed able to pay full NI contributions? Forgive me if I'm wrong (which I may well be), but I thought they paid much lower contributions to cover NHS and state pension, but not sick pay?

Cut and paste I'm afraid! quicker than typing.

You usually pay 2 types of National Insurance if you’re self-employed:

Class 2 if your profits are £6,725 or more a year
Class 4 if your profits are £11,909 or more a year

You work out your profits by deducting your expenses from your self-employed income.
How much you pay
Class Rate for tax year 2022 to 2023
Class 2 £3.15 a week
Class 4 9.73% on profits between £11,909 and £50,270
2.73% on profits over £50,270

DaisyAnne

How have I attempted to coerce you to reveal things you had chosen not to?

Dinahmo

Doodledog

Are the self-employed able to pay full NI contributions? Forgive me if I'm wrong (which I may well be), but I thought they paid much lower contributions to cover NHS and state pension, but not sick pay?

Cut and paste I'm afraid! quicker than typing.

You usually pay 2 types of National Insurance if you’re self-employed:

Class 2 if your profits are £6,725 or more a year
Class 4 if your profits are £11,909 or more a year

You work out your profits by deducting your expenses from your self-employed income.
How much you pay
Class Rate for tax year 2022 to 2023
Class 2 £3.15 a week
Class 4 9.73% on profits between £11,909 and £50,270
2.73% on profits over £50,270

Is there an option to pay more to cover sick pay? I guess if not, or if there is and people don't pay it, then they aren't covered. It's a big risk to take though, as although SSP is not a lot, anyone can get ill, and it's better than nothing.

Doodledog

Dinahmo

Doodledog

Are the self-employed able to pay full NI contributions? Forgive me if I'm wrong (which I may well be), but I thought they paid much lower contributions to cover NHS and state pension, but not sick pay?

Cut and paste I'm afraid! quicker than typing.

You usually pay 2 types of National Insurance if you’re self-employed:

Class 2 if your profits are £6,725 or more a year
Class 4 if your profits are £11,909 or more a year

You work out your profits by deducting your expenses from your self-employed income.
How much you pay
Class Rate for tax year 2022 to 2023
Class 2 £3.15 a week
Class 4 9.73% on profits between £11,909 and £50,270
2.73% on profits over £50,270

Is there an option to pay more to cover sick pay? I guess if not, or if there is and people don't pay it, then they aren't covered. It's a big risk to take though, as although SSP is not a lot, anyone can get ill, and it's better than nothing.

I believe husband's account person explained there is no SSP built into NI for self employed. Tax and NI rules set out quantity of profits to be pension contributions. Quite confusing, if only to me.