f 6 Clitheroe Advertiser & Times, April 7, 1961________


SUNWAT l/eyo BLINDS


Spotlight on pensions:


Can the new plan survive in its present form?


A % fr n a yieS Into


ployees mto a° private ptuieuu frQm the new scheme em ­ or


employees who are over years of age, for whom em­ ployers are already operating PAYE and who come into


ployees in accordance with the terms oi tne a • The scheme applies to all


the' Class I cates°Fy , ° f National Insurance contribu­


commence deducing Penf/°ntE°nJeims10o"Sthe'Act*1611 6m"


tors (i.e. those for whom stamps at the rate of 18s. 2d.


crease proposed by the Gov­ ernment, it will receive from that man and his employer contributions of 10/2 per week or £26/8/8 per annum for 40 years.


Ignoring any further in­


per week for men and 15s. zu. per week for women are being


and thus classed as sett- employed ” by the Ministry.


affixed to their Natioal In­ surance contributions cards).


It does not apply to persons running their own businesses


from a table supplied by the Ministry. The contributions are calculated as approxi­ mately 4J- per cent, of the ex­ cess of the gross wage received (as shown, for that week oi month, on the P.A.Y.E.^ card of the employee) above £9 pet week and wages in excess of £ 15 per week are based on the maximum of £15 per week.


Contributions are calculated


Only Sunways have che new, strong, 'Invisible Tapes' (guaranteed for


years) which revolutionise cleaning and give more light than ever before.


The quiet charm and privacy of the bedroom is preserved and enhanced by Sunway Vevo Blinds.


Cool for sunny days . . . snuggly close-fitting for winter . . . restful always!


Guaranteed by the Good Housekeeping Institute. A Sunway brush is included with every order.


i’APELESS PERFECTION WITH S U M W A Y


W a l t s L t d . 58 Whalley Road — or — 31 Castle St. Tel.: 136. CLITHEROE Tel.: 136.


Saving


together A joint account in the Halifax Paid-Up Share Department is our way of saving together.


Our association with the Halifax has already taught us that the habit of thrift brings a sense of security and happiness.


Halifax Paid-Up Shares can help provide


you with a financial reserve for times of need.


P A ID -U P S H A R E S ^ * 2 '


3 ^ % HAU FAX


8 KING STREET. 5


----------- iiu .ljimv Income-tax paid by the Society


Deposits in the Society arc Trustee Investments


b u i l d i n g s o c i e t y Local Agents: BURNISTON & CO-


Tel-: ciitheroe 958 1


P.A.Y.E. week is based on the wages paid in that week it- respective of the period when the wages have been earned.


The contribution in any


FO LLOWIN G the report -*- in the “ Advertiser and Times ” last week about the new g r a d u a t e d national insurance scheme,


financial expert, wr i t i n g under the nom de plume of Fluna, examines the plan in


local


detail. At the end of each P.A.Y.E.


month the employer must forward, with his rem.ttance for the P.A.Y.E. deducted from the employee, a further remittance equal to twice the graduated pension contribu­ tions deducted from the em­ ployee. In addition to these graduated contributions the employer must also stamp a fixed contribution card for each employee as in the past.


Employees and employers


were promised a reduction in the fixed contribution when the new scheme was institu­ ted. The following table


(old rates in brackets) shows how this promise has been carried out:—


Employer 8/5 (8/3); Total con- trib. 18/2 (18/2).


Men: Employee, 9/9 (9/11):


Employer 7/2 (6/9), Total con- trib. 15/2 (14/9).


Women: Employee 8/- (8/-),


are allowed to contract their employees out of the scheme but if they do then the con­ tributions are as follows::—


As mentioned, employers


ployer 9/8, Total contrib. £1 Is.


Men: Employee 11/4, Em­


Women: Employee 8/10, Employer 7/7, Total contrib.


16/5d. It will be seen, therefore,


that the Government are charging a fee for the con­ tracting out certificate of 2/10 per week for each man and 1/3 per week for each woman.


II and Class III contributors have also been increased even though they are not included in the scheme.


The contributions for Class FURTHER INCREASES


increases in the flat rate con­ tributions it is proposed to have further increases from July, 1961, and these are now the subject of debate in the House of Commons. It is also proposed to have further in­ creases in contributions in 1965, 1970, 1975 and 1980.


In addition to the above 10 DAYS’


FREE TRIAL Judge for yourself in your own home with no obligation wh:;tsoev3r


afterwards.. . Rent


this 19” set of the future eicNew 19" ‘square’ screen * ‘Magic eye’ control eic-Slimline 110° tube


A P T tk! rVlM 1 These D E R- Showrooms open for AO I . PtUW • demonstration till 8 p.m. Fridays.


Only 9'11 a week


reducing finally to only 6f9 Installed for only £6.9.0


Although our minimum rental period is only 12 months


you can change your model at any time


FREE service, repairs, replacements Please send details


CA7/4 _____I


I Clitheroe. Tel. 796;


23, Moor Lane. Domestic Electric Rentals Limited. . Showrooms throughout England. Scotland & Wa !e s| IT I 4 1 7 P O F


nothing mere to pay L L I l r t E a K U i i for three months 2 3 M o o r L a n e


Clitheroe 796


“5» 1*0


25 30 35 40 45 50 55 60 64


The pensions to be paid amount to 6d. per week more


than the flat rate' pension increased from £2/10/0 per week to £2/17/6 per week In April, 1961) for every £7/10/0 graduated contributions paid by the employee i.e. for every £15 in graduated contri­ butions received by the


Ministry. This means that a man


earning £15 per week at the age of 25 and continuing to earn £15 per week or more until he is 65 will receive an increase in his pension of just over 35/- per week.


___


5 per cent, compound interest would result in a fund, when the nian is 65. of just under £ 3,200. Still invested at 5 per cent, this would enable the man to be paid just under £160 per annum (more than £3 per week) during his life­ time leaving the Government with the capital of £3,200 when the man dies.


This sum invested yearly at


ernment purchased an an- nunity sufficient to exhaust the capital during the man’s life he would receive just over £ 6/ 10/0 per week compared with the £1/15/0 which ne will receive under the official scheme.


Alternatively if the Gov­


company selling the annuity would guarantee the payment of the annuity to the man or his dependents for a specified period. There Is no such


GUARANTEED PERIOD In addition to this the


COUNTRY DIARY When the bell tolled for Will!


TTOLLOWING on my recent A- articles regarding village life in the past, I have re­ ceived from Chatburn and Grindleton much interesting information of life as it was well over half a century ago.


absorbing and so descriptive of a distant age that I intend this week and at a later date to pass on some of the information.


I find the details are rapidly,


appreciate today the happen­ ings and outlay of some of our familiar, communities. know you will find the story as enlightening and amusing as I did, and I am confident


With events moving so It


is difficult to I memories revived.


many older readers will have ! by a more modern cover. And, _______ No doubt,


j which have now been replaced i


A reveal no great change. Close snows


ho


too the younger generation wili smile as they read of the days when things were so different.


of a lengthy correspondence which came to me from a reader at Grindleton—a vil­ lage we all know so well, situated at the foot of a most delightful sweep of fell country. We know it well, but who can recall those days before the bridge over the Ribble made contact with the village less hazardous?


First, therefore, let me tell


Who also can say how the village gots its name? Was it,


guarantee by the Government. If the man dies at the age of 64 (predeceased by his wife) no payments are made by the Government. If he is not pre­ deceased by his wife she will receive only one-half of the pension he would have re­ ceived in addition to the basic pension.


should be deducted from the compond interest, consider the case of a man investing £26/8/8 per annum at the building society rate of 31 per cent, per annum (no tax pay­ able by the investor). At the end of 40 years he would have a fund of £2,235 (approx.). If he invested this in local government loan at 5? per cent, interest he would receive £128/10/0 per annum i.e. (approx. £2/9/6 per week) leaving him with the capital of £2,235 to leave to his dependents on his death.


the Gov er nme n t should charge itself with income tax; but if it is argued that tax


It is difficult to argue that


35/ - per week from the official scheme with no capital to leave. If, on the other hand,


Compare this with just over


he wished to purchase an annuity for life he would re­ ceive more than £4/10/0 per week for a guaranteed period.


that the scheme is not to be funded i.e. the contributions


I am given to understand


are not to be accumulated in­ to a fund but are to be used for general National Insur­ ance purposes in the year that they are paid, presum­ ably in the hope, that when the contributors become en­ titled to the pensions promised. there will be sufficient income from the contributors still not entitled


to a pension to pay.


ernment is doing something which it would condemn in any private building society or insurance company, i.e. the use of reserves needed for future commitments to pay current expenses.


If this is so thc-n the Gov­


ment Insurance Fund (as it has done)


National Insurance purposes, the Government is gambling on there being no considerable unemployment in the future making heavy demands on the tax-payers.


By raiding the Unemploy­ for ordinary


a much increased stake, as future tax-payers are com­ mitted to find the funds to pay i n c r e a s e d pensions possibly at a time when there is a large drain on the unem­ ployment fund.


They are now gambling with


Can we be assured that a scheme run in the way set out above does not contain the seeds of its own destruction and will not collapse under its own weight, even without the outside influence of world slump?


week, you will be entitled to a pension of £5 13s. 6d. a week'when you are 65. If you work overtime, your pay-in for your pension will


YOUR PENSIONS—WHAT YOU PAY—WHAT YOU GET If you are a 30-year-old married man, earning £13 a


vary each week in accordance with how much you have earned. Every £7 10s. you pay into the fund adds sixpence a week to your pension at 65.


sg* c 3®


a >»c,0) . .^ £T3 o d-t d


£ s. 4 19


3c*?c.S


4 18 0 4 17 6 4 16 6 4 15 6 4 15 0 4 14 0 4 13 6 4 13 0


0 Example: £12 Formula: Age 45 plus 20 — 65


£2 17 6 £1 15 0


£4 12 6 9 0


£5 1 6


£7 10 Husbi Wife


d.


u O’-1 . ca >


u .>-5


« ”> £ 3 Z


i o•


£ s. d. 5 0 3 6 2


5 5 5 _ 5 0 6 4 19 0 4 17 6 4 15 6 4 14 0 4 13 0


So S' o fcoi a >ȣ


£ s. 5 11 0 5 8 6 5 6 6 5 4 0 5 1 6 4 19 6 0 0


4 15 6 dw a


4 13 0 4 17


d. £ s. d. 5 17 0 5 13 6 5 10 5 7 5 4 5 I 4 18 4 15


4 13 0


6 6 6 6 6 6


6 7 6 6 3 6 5 19 0 5 14 6 5 10 0


£ s. d.


"2 o >-i hWE-g


£0 0 £ dr"-c. - ^ — O C.yio {j


as my friend suggests, derived from the old corn-mill at the brow bottom? Could it be a corruption of grind stone used in connection with the corn- mill.


A BOAT


rr-HIS mill was owned by •*- “ Will o’ Banks,” who also


kept a boat at that point to ferry people across from the Chatburn side. On that bank was a holly tree in which was hung a bell so that anyone wishing to cross the river rang the bell, and if “ Will o’ Banks” was so inclined lie would leave his task and ferry you across.


this was not always con­ venient, and it is said that on one particular occasion when


As one can easily imagine,


it was raining very hard a certain gentleman and Grin- dletonian working at Black­ burn rang the bell furiously. But “ Will ” would not turn out and so the man had to


Medical O f f ic e r welcomed


•Js* jeeame Medical Officer for*" Clitheroe rural district on April 1st was welcomed at the meeting of Clitheroe R.D.C. last week by the Chatman, Coun. J. G. Sharp.


TVP.. R. C. WEBSTER, who \


tribute to the services given by Dr. C. Royle, of Clitheroe, who has been carrying out the duties of Medical Officer since the death of Dr.- J. H. Fairweather.


Com. Sharp also paid


ton, said the appointment of Dr. Webster would strengthen


The Clerk, Mr. T. P. Rush-


the link between the Rural Council and the county authority.


SPRING SONG rtoOD husbands all, take care,


w look out. Once more the springtime bug's about.


Attacked the female population, The symptoms are acute and dire,


He's crawled from winter hiber­ nation.


And burning with an inner fire. With fiendish glee our wives demolish,


Pots of paint and patent polish. Wielding brush, and broom and bucket.


Give long sufT'rmg husbands . ,


Lo'yaUy meets its sternest test. When wife in tones full charged with meaning.


How I wish that they would chuck it,


Make your grass grow quicker, last longer, with


^


Cries “ I'm starting the spring cleaning!”


Why not let it pass this year? Enjoy the spring whiist it is


Waik° midst verdant trees and grass,


Let this annual orgy pass! There must be finer tasks to


Than scrubbing floors and scrap­ ing fines!


choose


Come, my love, come walk with me,


Listen to the me.ody - [ mating birds and hei e in


, . Of


We might regain our passing youth!


truth.


As we dally by the stream, Snc the silver minnows gleam.


Peel the breath of sun-kissed CatdiZCthe blossom from tire pause? whilst lambkins sport and


5 5 6 5 1 6 4 17 0 4 13 6


20 x 52 x 2/8 Wife = 9/-


Man &


As All


seaIwe^' through the willows ramble,


When “ inside-out nd11 whilst you’re scouring all


11 these precious spurn,


ri


And Too


things you the house


Fisons for good farming


so ° quickly speeds the spring away!


erne listens for a moment, then, =he gets the vacuum out again,


Alas1 my pleadings all are vain. And I must follow in her train And choking back indignant


■ Pension


a plash distemper on the ceilings, no wonder, that I fail to sing, A very merry song of spring! A


The T\ CVS 18 JIMIFEL.


TECHNICAL SERVICE To get the host cat of y oar fertilizers, ring your local


r isons Technical Representative. H


-. tipcricrr. Til: Southport 551271 or get


ycuv b icons merchant to put you in touch with him.


V fA 7. M IV > W/O: T > j.


Your grassland should nob only keep your cattle grazing through spring and summer, but should provide plenty of hay and silage as well. For summer grazing, use Fisons 36 (8:12:8) at 4-6 cwt. an acre. For hay and silage, Fisons 41 (10:10:18) at3-5cwt. an acre.


Fisons compounds


; !


tne 01a naggea the old flagged inspection, lived. first man from Halifax. He was a Yorkshire village policeman


he met a man driving a pig, and having some difficulty with it. He stopped for a chat, and, after the man had said he was taking it to a certain farm, he kindly turned arpund to help in the trouble­ some task of getting the pig on its way.


One night when on his beat


was quite a sensation in the village and also a search for, as you may have guesged, the pig was stolen. Needless to say, the incident caused much mirth in the village and a local poet immortalised the happening in rhyme under the title of "Bobby and th’ Pig.”


Next day, however. _ there


police sign over the door. Also in front of the cottage are to be seen the residents— the men bearded and in shirt sleeves and the womenfolk in their voluminous dark skirts almost touching the ground, and most with long white aprons.


Looking closer at the photo­ graph, it is easy to note the


THE SMITHY


xV smithy (now demolished). Another, which I am informed was in use during the present century, was in what is now the butcher’s shop.


A CROSS the road was the


at the Duke of York, which had its mounting steps, there was a beautiful little cottage quite near to the present bus stage. This was known as the “ Full Moon ” and is now In ruins.


Then, turning the corner


My correspodent also sends me a very detailed photo-


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1959 MORRIS MINOR 1000, 2-door, white; 12,000 miles; one owner ................................................................................................... £495


1959 AUSTIN A.40 FARINA, de-luxe, green/black; 16,000 miles; one owner; excellent ........................................................... £535


1959 FORD PREFECT, grey, heater; nominal mileage; a very clean car. Al Warranty Certificate ............................................ £450


1958 VAUXHALL VICTOR SUPERS, fitted heater, undersealed; taxed.


From £460


1958 AUSTIN A.55 CAMBRIDGE, de-luxe, grev; spot lamps; taxed ............................................................................................................. £495


1956 AUSTIN A.40 CAMBRIDGE; new engine fitted recently; nice condition ........................................................................................ £^7S


1956 VAUXHALL WYVERN, blue, heater; good economical family car .................................................................................................. £^®


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.■it V i


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turn and go via Chatburn to Sawley______


Grindleton. From the mill we pass up


in order ____ to get eet. to


the hill, and at the top of the brow on the left, and at right angles to the road, we find a row of cottages. These had their weaving shops, and I am greatly indebted to my corres­ pondent for forwarding me, amongst other things, a fine photograph of the site as it was to be seen some 70 years ago.


NO GREAT CHANGE CASUAL glance would


however, roois ro fs


I as my friend points out, it was here, in the first cottage, that the


j graph of urtt-.V tt.c


withi


spot, we are afforded a good view of the main street, with magnificent overhanging trees of beech and elm, and a large sycamore, all making a pleas­ ing


hanging the wall. its From this over­


picturesque thatched cottage beyond.


village scene with


washed front, deep thatch and wealth of garden shrubs, was particularly outstanding in a village full of character and not a few oddities.


This cottage, with its white­


village stream (now no longer to be seen), the Ash Plant Brigade, thatched roofs and fleas and the village character “ Piflon.”


Later I will tell of the NATURALIST nnnle


Why put up with damp uneven Floors


WHEN YOU CAN HAVE


this pretty cottage ASPHALT FLOORS appl


tree nver-


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§ HW


«CLlTHEl HI


IT was a prol


and this must the forwards.


Wigan Athletic f Springfield Para beaten at Droyl


No poil three gamesl


In the last ni|


be schemed fori at present whol standing scheml


Chances to scl


to take over thf Until either


find another bel as none of thef to slide down


POORl WICI


Lack


TSTIGAN ATI ' “ Friday, wel


but in comparl played like Rel it might easiil trio of Lydon.f times, only to s|


Pinder at insic| of Barton.


beat. Francis retuil


the drizzling r:| game dreary I when both defeil


The ground w|


play the off-si<J continued to d f periods, the gai ( as a spectacle. I


minutes. Shaw, dangerous winr ing his way in| position when him. It was a cl and TWIDLE h i out of Wallace I


second when htl ing into mall back-pass, colli and shot hard


TABERNER gl


Two up at Wigan never stl


VAC1] CHIMNEY


CARPET SI FLOOR SCF Modem Elec


G. E. P|


33, SALT t CLITI|


f Telephone : Wigan went :|


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