NARPON - Walking to wellbeing Intergenerational unfairness The future of Policing
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NOVEMBER 2018 | ISSUE 96
NARPO
NEWS
THE MAGAZINE OF THE NATIONAL ASSOCIATION OF RETIRED POLICE OFFICERS
Walking to
wellbeing
Intergenerational unfairness
The future of Policing
LIFE: WORK: LEISURE:
NARPO Conference Riding into the Sunrise Christmas Markets
NARPO NEWS Email: hq@narpo.org Website: www.narpo.org 1
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.
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DA FE NT
AL R
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5 IAL NE
£6 TR O
Contents
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2 NARPO NEWS Email: hq@narpo.org Website: www.narpo.org
inside
ON THE NOVEMBER 2018 | ISSUE 96
Contents
LIFE after the Police WORK after the Police LEISURE after the Police
SOMETHING TO SHOUT ABOUT: IT’S A REGULAR THING:
The Chief’s Briefs 5
Welcome note
10 Readers’ Letters 6
Welcome to our 96th
edition of NARPOnews
The Future of Policing 12
NARPO News
With Winter just around Intergenerational
the corner it’s even more Unfairness 16
important to give thought to
your wellbeing. We have a few
suggestions to help manage Celebrating 100 Years 21
your wellbeing over the colder
months. 18
In this issue, we also have an Benefits Update 22
overview of the recent NARPO
conference, which took place
NARPO
in September.
Conference A Police Widow’s Story 24
Computer Know How 29
Opinions expressed by authors and services
offered by advertisers are not specifically endorsed
by the Association.
27 Party Conference
32
The Editor reserves the right to refuse or Season
withdraw advertisements at his discretion and
does not accept liability for clerical or printer’s
errors, although every care is taken to avoid
mistakes. Advertisements in NARPOnews are Riding into the
Injury Awards 35
accepted by the National Association of Retired
Police Officers only on the understanding that the Sunrise
advertisers warrant that the advertisements do
not contravene the Trade Description Act 1968,
Book’em 45
the Sex Discrimination Act 1975 and the Business
Advertisements (Disclosure) Order of 1997 and
conform to the British Code of Advertising Practice.
Articles contributed by the editorial staff may not
39 Christmas Markets 49
be reproduced without permission in writing from
The Editor.
NARPO News is published by The National
Association of Retired Police Officers (NARPO).
Holiday Lettings 50
NARPO News is delivered to you as part of a
package of NARPO membership benefits, including
goods and services we offer when you join and Winter Wellbeing Time Out Puzzle 55
continue to be a Member. How we do this, and
process your personal information, is contained
in our Privacy Policy, which is available at www.
narpo.org. You can also request a hard copy from
NARPO HQ.
Mailing info
For further information about NARPO, its It is important that you notify NARPO HQ of any changes to your address as soon as possible.
services, branches and approved advertisers, Please quote your membership number which is printed above your name on the envelope in which
please visit our website at www.narpo.org NARPO News is delivered. Please telephone 01924 362 166
To facilitate a prompt reply when contacting
the office by email, please quote your membership NARPO House, 38 Bond Street, Wakefield, West Yorkshire WF1 2QP
number.
Tel: 01924 362166
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Email: hq@narpo.org Website: www.narpo.org
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NARPO NEWS Email: hq@narpo.org Website: www.narpo.org 3
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Contents
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4 NARPO NEWS Email: hq@narpo.org Website: www.narpo.org
concerned that a failure to consider
the wider context of intergenerational
inequality may result in a picture that is
both “overly simplistic” and “unnecessarily
divisive”. In order for the debate to be
The
adequately nuanced it must also focus
The Chief’s Briefs
on the inequality within generations. It is
not accurate to class all older people as
being better off than younger generations,
CHIEF’S
nor is it accurate to claim that all younger
people are struggling to get by. While
there are certain trends that can be
identified, this understanding is crucial to
the intergenerational debate and should
be considered by the Committee.
Briefs
The differences in income and wealth
within generations are significantly
greater than the differences between
the generations themselves. This is a
clear and consistent finding from official
statistics that is usually omitted from
these debates. Research by Age UK has
found that there is considerable variation
Well summer has been and gone, I hope you all enjoyed the sun in how people experience later life,
while it lasted? I certainly did, and I particularly enjoyed this last with one in six pensioners or 1.9 million
people, currently living in poverty in the
weekend which saw the Wigan Warriors crowned Super League UK, an increase of approximately 300,000
champions after a 10 match winning streak! pensioners since 2012/13.
Civil Partnerships
Respite Care Services our community and not alone. Keep them
In my last column I mentioned that a
‘The Police Mutual Foundation’ involved and updated on Branch activities,
recent Supreme Court ruling in June 2018
respite scheme for NARPO members if we all make a little effort we can help
had ruled that the Civil Partnership Act
is available to couples who are living reduce loneliness particularly within the
2004 was incompatible with the European
with dementia and their carers. Branch ‘police family’. Let them know we care.
Convention on Human Rights as it was
Chairs, Secretaries and Welfare Officers Intergenerational Fairness only available to same-sex couples and
can make nominations, so if you feel In the last edition we ran an article urged the Government to change the law.
you would benefit from some time giving an overview of the final report of I can inform you that the Government
away on a bespoke short break please the Intergenerational Commission. Since announced on 2nd October 2018 that
contact your local NARPO branch or the that report, together with our partners on heterosexual couples in England and
Wellbeing team at Police Mutual for more the Public Service Pensioners’ Council Wales will be able to choose to have a
information on either foundation@pmas. (PSPC) and Later Life Ambitions, we have civil partnership rather than get married. It
co.uk or 01543 305266. been preparing responses to that report. said there was “a number of legal issues
Please make use of this fantastic The PSPC response points out that: to consider, across pension and family
service. It will make a real difference for PSPC members are not just concerned law” and ministers would now consult
those who need it and if we don’t use it about protecting existing pensioners. on the technical detail. The Equalities
we may lose it! From the vantage point of retirement, we Minister, Penny Mordaunt, promised
Tackling Loneliness recognise the importance of pensions for that the change in the law would happen
Age UK has recently published a current and future public sector workers “as swiftly as possible”. Whilst we now
report on loneliness in later life. The alike. We resent the media and some await the outcome of the Government’s
report examines the circumstances politicians blaming the older generation consideration of the legal issues,
associated with loneliness and ways in for problems with pension schemes, particularly in regard to the effect on Police
which it can be mitigated. The report’s especially the myth of “unaffordable Gold Pensions, we will continue to put pressure
key findings include: Plated” Public Sector Pensions, (the on Government to make the changes
• People over the age of 50 are more average civil service pension is around required at the earliest opportunity.
£6,000 per annum).
likely to suffer from loneliness if they lack
Today’s pensioners have contributed
Member Services
someone to open up to, are widowed, I’d like to introduce COGO Travel, our
suffer from poor health or live alone; to our occupational and state pensions
new travel partner. COGO Travel are the
• The proportion of people over 50 over time – either through National
specialists in organising group travel for
who suffer from loneliness has remained Insurance contributions and/ or employee
both European destinations and worldwide
steady for the last decade. If current rates contributions and it is only right that they
tours. With over 25 years’ experience in
continue there will be two million older receive their proper entitlement.
the travel industry, COGO Travel pride
lonely people by 2026; The media would do younger
themselves in offering personalised service
• Social activities are an essential generations a better service by replacing
and tours; tailored to suit your needs and
component of effective approaches to this unfair and inaccurate story with a
requirements. Not only that, you’ll benefit
dealing with loneliness, but are only serious focus and push back against the
from exclusive discounts for NARPO
successful if they are complimented “race to the bottom” that is occurring in
members and more. See their advert later
by emotional and practical support for occupational pensions e.g. closure of
on in the magazine for further information.
accessing them. Defined Benefit Schemes.
We can all help tackle loneliness in The full response can be viewed on
our local communities and with our own the PSPC website campaign page at:
members by visiting and contacting http://publicservicepensioners.org.uk/
those we know are alone, just regular campaigning.htm
short social interactions go a long way to The Later Life Ambitions response Steve Edwards
helping those alone feel they are part of points out that: our members are
- THE CHIEF EXECUTIVE
NARPO NEWS Email: hq@narpo.org Website: www.narpo.org 5
letters Readers’
Readers’ Letters
Guernsey travel Car insurance Kidney donation
I have travel insurance through I must agree with Mick Coverdale’s I recall that a few years ago an ex-
NARPO with AXA Healthcare and noted letter of Aug. issue relating to advertised Wilts colleague, Mike Evans, received
the article written by Dennis Gittins Police Mutual car insurance quotes. I a kidney transplant, the donor being
regarding travelling to Guernsey two did get a quote from them but found that his wife, Maria. At the time he received
years ago and being told his medical using several TV advertised companies good service from Police Mutual,
insurance did not cover him or his wife. that the Police Mutual premiums were including a bunch of flowers. I am happy
Due to the fact that my wife and I are due often 50% higher than other well-known to report that today my wife received a
to travel to Guernsey shortly I contacted companies advertised online for the same similar floral tribute from Police Mutual,
AXA Insurance and they have confirmed coverage. Maybe members should try as I having donated a kidney to me! At a
that you are covered by the policy for do and change car insurances companies time when support and encouragement
medical matters, providing you conform every year as it seems to work out so is especially appreciated, it was a
to the conditions of the policy and that much cheaper when seen as being “a lovely gesture that my wife found very
was a minimum of two days pre-booked new customer”. touching.
accommodation, and that you are fit to
Neil Edwards Lastly, here’s the hard sell, a kidney
travel etc. I requested confirmation in
London branch transplant has completely changed my
writing and have had two confirmation
life, or, to be more accurate, given me
emails confirming that we are covered, Comment: Whilst Police Mutual are my life back. If any of your readers have
so I am quite happy to accept it. I do not always the cheapest, they provide any doubts about signing up for the
however make a point before I travel of unrivalled customer service and claim donation scheme, I can assure them
contacting the insurance company to handling processes and have been that for the recipients it is truly amazing.
ensure there are no issues that have recognised in the Which magazine With the “opt out/in” legislation due
arisen which would cause a problem and awards for customer satisfaction. in the future, please “opt in”, and get
always ask for a confirmation e mail I They are a trusted partner of NARPO signed up now, it truly changes lives.
hope that this helps. I can only assume and whilst changing your Insurer can
that they have changed the conditions of provide lower premiums in the first year Bob Pope
the policy since Dennis made a claim. subsequent increases may well lead to Wiltshire branch
paying higher premiums.
Alan PARROTT
Hampshire Portsmouth branch
Comment: AXA have confirmed that
cover does now extend to Guernsey. Future of Policing
NARPO members have devoted their Should NARPO be involved in the
working lives to policing. Should NARPO be PCC election process and help shape
actively involved in the future of policing? and influence future policing? NARPO is a
natural pressure group who could endorse
Policing is constantly under pressure
independent PCC candidates in their area.
dealing with competing demands with
John Arlott
NARPO members could be mobilised as
less resources.
foot soldiers during the elections.
Our country appears to currently have
It was good to see John Arlott’s It could be argued that the Police
a crop of uninspiring politicians with little
time as a police officer remembered Federation should be also be actively
vision. Many are intent on forcing their
in a reader’s letter in Narpo News (95 involved in the PCC election process.
ideology rather than working hard to
Aug 2018). However Arlott, although
make lives better. It is proposed that the PCC also
born in Hampshire, never served
supervises fire-fighting. If so, I am sure
in the Hampshire Constabulary as There is no long term strategy for
that the Fire Fighters Union and retired
the writer suggests. The whole of policing, more knee jerk reactions to
officers will become involved in this
his service was in the Southampton headlines.
process.
County Borough Police (a separate
The PCC (Police and Crime
force until 1967). If NARPO members do not have a
Commissioner) has been foisted on
stake in the future of policing - who does?
Clifford Williams policing with little community support or
Portsmouth & Gosport Branch enthusiasm. What credentials do many A YOUNG Sussex
of these political nominated PCCs have
to fulfill the role?
6 NARPO NEWS Email: hq@narpo.org Website: www.narpo.org
Readers’ Letters
Police Mutual
I recently suffered a heart attack
followed by a spell in hospital. On
returning home I contacted PMAS to
inform them and that I would not be
driving for at least 4 weeks.
Imagine my surprise when three
or four days later an unexpected
Is your provider blocking emails? parcel arrived. It contained a selection
of breakfast goodies and other treats
with a card with the following message.
Some of my members are Comment: If a member is not receiving “Hope you have a speedy recovery.
experiencing difficulty in receiving email emails from their branch Secretary or Take it easy and enjoy your rest from
messages via the NARPO bulk email NARPO HQ and they think they should driving. From Nadia & everyone at
system and it would seem that this may be the member should check the junk Police Mutual”.
be because of a ‘WHITE LIST’, which or trash folder to ensure it has not been
means their email provider may be received in there. If nothing received then I have been a member of PM
blocking the emails with Narpo in the they need to contact their email provider, for virtually all of my service and
title. I have told all those who contact me advising they aren’t receiving emails from retirement. They have always been
that they will have to contact their email @narpo.org. They need to ask the email easy and efficient to deal with but this
provider and ask that anything containing provider to White list @narpo.org this will gesture goes beyond anything I could
the word NARPO is allowed access to then allow the emails to go through to a have expected. As they say “part of the
their system. member’s email address. family”. It certainly brightened my day.
Kate Rowley Peter Baker
Cumbria branch Staffordshire branch
Retired Police Officer Records
I retired from the Avon and Somerset who they hurt to make false claims. I actively campaigning for records to be
Force 19 years ago and finally finished have been advised that no further action kept for much longer. This would be
in paid work in 2010. I can honestly is being taken but I found the whole helpful to investigating officers and those
say that in my time in the police I gave experience very upsetting. falsely accused.
everything to it I never let the service
I am grateful for the help I received In my case I was surprised to find that
down. However, I feel let down by my
from The Police Federation and my a sports clinic I had attend 25 years ago
own Force and the regulations governing
branch of the Retired Police Officers had kept records of my attendance for
police records. Earlier this year I received
Association have been very helpful and treatment to my back over a large part of
a letter from the force I served giving very
supportive of my concern regarding the year when this alleged offence was
little detail requesting that I attend and
officer’s records. supposed to have occurred when I would
be interviewed as a voluntary attender
have been confined to police station
in relation to an establishment I had The Police Force should have a duty
duties and it was these records, not those
responsibility for in the 1990s. of care to both serving and retired officers
kept by the police service, which proved
and my reason for speaking about this
My first concern was that my pocket just how false the allegation being made
rather than just getting on with my life
books, that I was told I could keep on against me was. With the number of
is the fact I care about the risk to others
retirement, I had destroyed as I was historical allegations now being made it
in the future in the unique difficult job
required to do at least nine years ago. cannot be right that when officers retire
that we have devoted ourselves to. It is
How I wish I had not done so. their official records are kept for such a
ridiculous that the current guide lines state
short period.
I was horrified when in the first time in that retired officer’s records are destroyed
my life I was interviewed under caution after six years. Both the Federation and Robert Davies
and a completely false serious allegation Retired Officers Association should be Avon and Somerset Branch
was made against me by one man when
I was on duty 25 years ago. I could
info
not understand why someone could do
this to me but I realise now there are
firms of solicitors actively encouraging
people to come forward in relation to You can post your letters to: Readers’ Letters.
alleged historical offences with the sole NARPO House, 38 Bond Street, Wakefield, West Yorkshire WF1 2QP.
aim of obtaining compensation. Whilst Or by email to depceo@narpo.org
this is fine in genuine cases this gives Written communications for publication are reproduced at
the opportunity to some who don’t care
NARPO’s discretion and may be subject to editing for print purposes.
NARPO NEWS Email: hq@narpo.org Website: www.narpo.org 7
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NARPO News
NARPO News
Accessible Housing
NARPO has signed a joint letter calling
for more accessible housing in order to
support people with accessible-housing
needs. The letter, published in The
Guardian, encourages local authorities,
developers, planners and builders to
consider accessibility as a fundamental
design principle when building new
communities and housing developments.
Branch Activities Other signatories to the letter include
the Civil Service Pensioners’ Alliance,
NARPO branch officials work hard to There were numerous and varied National Housing Federation and AGE UK
raise awareness of NARPO and support motor cycle clubs in attendance, from the Please see the full letter below:
members. Christian Bikers Association through to
the Sons of the Widow. Britain’s population continues to
During the summer the Durham branch expand and age, and in Britain the
attended ‘Bike Wise’, which ran alongside My personal favourite was the 100 number of people with accessible-
the only Open Day held by Durham year old Brough Superior Mk 1 - the housing needs exceeds 11.9 million.
Constabulary this year. The “Bike Wise” “Rolls Royce of British Motorcycles” a Many of these people are waiting
event, which is now in its 26th year, is an workhorse with an oil leak to keep your for an appropriate standard of
extremely popular local event. boots waterproof. accommodation which will allow them
The Chief Constable, Mr Mike Barton to live independently. With less than a
and his Deputy Jo Farrell, were on site third of planning authorities displaying
and made visitors very welcome. a commitment to any type of accessible
homes in their local plans, this problem
The branch funds were generously will only increase.
increased due in no small measure
to the efforts of Barry and Angie As housing and service providers,
Crawford assisted by Stu and June we have identified that the lack of
Ingram and Martin Hall. All in all a very accessibility not only impacts personal
successful day. independence. It can have a knock-
on effect in terms of social inclusion,
Stu Ingram - Branch Secretary employment and maintaining good
physical and mental health.
With the number of new communities
Branch Officers Training and housing developments being planned
in Britain, we encourage local authorities,
Throughout the year NARPO runs developers, planners and builders to
training courses to support the branch consider accessibility as a fundamental
officials who kindly volunteer their time design principle.
to run branch services and activities. Our Accessible housing is a national
most recent training course focused on issue and concerns everyone. We are
branch management, including finance all ageing. Inevitably, a proportion of
and accounting, communications and us will need some form of adaptation,
GDPR. assistive technology or accessible
The course, attended by more features to support us through changing
than 50 branch officials, also provides life circumstances. Everyone has a stake
an opportunity to give feedback and in the provision of accessible homes. We
comments to NARPO HQ and share hope everyone will add their voice to the
learnings and best practice between Financial Controller, Helen Morgan, provides an call for supply to meet demand.
branches. update on branch financial reporting
10 NARPO NEWS Email: hq@narpo.org Website: www.narpo.orgNARPO News continued...
NARPO News
Supporting We need
Rowcroft Hospice your help
At this year’s NARPO conference in Complete our short survey to be in with
Torquay, we were delighted to make a a chance to win a £100 M&S e-gift card.
donation of £1000 to support the work At NARPO, we are committed to
of local charity, Rowcroft Hospice. The understanding the needs of our members
charity, which is funded primarily through and their families, both now and in the
donations, supports adults living with life- future. This work enables us to progress
limiting illnesses in South Devon. From policies and undertake activities which
offering advice and emotional support, support you and those most important to
to specialist end of life palliative care, you.
Rowcroft Hospice provides support to
Douglas Stewart (centre) with Branch all those living with a life-limiting illness Member survey
President, Trevor Hancock, over 18-years-old, and their families, As part of this work, we have built a
completely free of charge.
and Doug’s partner, Joy. short survey in partnership with Police
Rowcroft Hospice is one of the chosen Mutual which we would be grateful if you
charities of the Mayor of Torbay, Gordon could complete.
Celebrating Oliver, so we are pleased, on behalf of all This has been developed utilising the
100 years NARPO members, to support the fantastic
work that they do.
independent survey site SurveyMonkey.
It will take approximately 5 minutes to
Doug Stewart (Birmingham NARPO) complete and will ask for your views,
celebrated his 100th birthday earlier this opinions and experiences.
year. Police Mutual will be collating and
Doug’s Birmingham City Police career analysing the anonymised survey results
began at Ryton in 1946 after which he from the survey and sharing the data with
was posted to Ladywood. His successful us to help shape our work in improving
advanced driving course at Duke Street the lives of the Police family.
led to 20 years on area cars following To complete the survey please visit:
which he became the Road Safety Officer policemutual.co.uk/survey
at Thornhill Road before retirement in
1973. NAPRO will be circulating details
to all members via email, so we would
Doug continued to work, experiencing encourage everyone to respond.
employment as a rent collector, as
manager of Northfield Baths, and for We will be closing the survey on
10 years – a road safety officer for the Sunday 9 December 2018.
County Council. He was also an instructor
for the Institute of Advanced Motorists.
Following the death of his wife, Doug met
Thank you
his partner Joy whilst ballroom dancing in As a thank you for taking part, you
Shirley and they have been together for will be entered into a prize draw
11 years. with a chance to win a £100 M&S
e-gift card. Terms and conditions
apply – email marketing@pmas.
John Ball, Chairman of the South Devon co.uk for details.
Tell us your Branch presents the cheque to staff at Your support is very much
NARPO news…. Rowcroft Hospice appreciated.
If you have any news that you
would like to see included in the
NARPO news section then please
get in touch.
September CPI Published
We would like to hear from you! The ONS have now published the Consumer Price Index (CPI) for September 2018
Please contact: which shows an increase of 2.4%. As a result, Police Pensions will increase by 2.4%
businesssupport@narpo.org as of April 2019. Full details can be found on the ONS website.
NARPO NEWS Email: hq@narpo.org Website: www.narpo.org 11The Future of
Policing
General News
The Police Superintendents’ Association has
partnered with Deloitte and the Police Foundation on a
new report which examines the future of policing.
‘Policing 4.0’: Deciding the Future capacity to harness technology effectively The report is informed by commentary
of Policing in the UK report found that and police ‘readiness’ to deal with crimes on the policing sector, analysis of UK and
policing in the UK is changing: rapid enabled by technology. international police data, and interviews
developments in technology, spending with chief officers from UK police forces,
• Politicians and policing leaders –
reductions and profound shifts in society leaders of national policing organisations
nationally and locally – have some
and patterns of crime have contributed to and leading academics.
big choices to make about their role,
changes in police structures, recruitment
priorities, and policing philosophy. They It provides a new framework for
approaches, ways of engaging the public,
must decide which new capabilities thinking about key policing choices and a
investigative methods, approaches to
they will need to invest in to cope with set of ideas and case studies of success
preventing crime, supporting victims and
policing’s new realities. to support decision making, whilst sharing
protecting the vulnerable.
a vision for the future of policing.
‘Policing 4.0’: Deciding the Future of
Key findings include:
Policing in the UK explores the challenges Go to www2.deloitte.com/uk/en/
• Policing leaders are working tirelessly facing policing today and the powerful pages/public-sector/articles/the-future-of-
and with skill to address problems, but trends and forces that will influence crime policing.html# for a copy of the report.
are deeply concerned about policing’s and policing over the coming decades.
National Police Ageing
Memorial Day Equal
AGE Platform Europe, the largest
European network promoting the rights
of older persons, has launched a 70-day
National Police Memorial Day is an annual event to campaign against ageism – “AGEING
honour police officers killed in the line of duty. This year’s EQUAL”. Starting on the International
Day of Older Persons, the campaign
National Police Memorial Day took place on Sunday 30 will culminate on 10th December, the
September in Belfast. International Human Rights Day.
The campaign aims to raise awareness
of the magnitude and gravity of ageism
Candles from each of the four nations Alcock, Grampian Police, who died aged
and kick off a debate on how we can
of the United Kingdom of Great Britain 54 years, after having been in a coma for
challenge our perspectives on ageing
and Northern Ireland, were lit by loved 14 years following a road traffic collision
and ensure we can all remain active and
ones to remind us of the undying flame of en route to Royal Protection duties at
respected contributors to society as the
devotion and commitment, exemplified by Balmoral.
years go by.
those whom we remembered.
Representing England: Samantha
Ageism can lead to widespread
Representing Northern Ireland: Dixon and Parker Cameron James Dixon,
marginalisation, poverty and abuse of
Joseph Ferguson and Susan Ferguson wife and son of PC James Dixon, Thames
older people, which can have negative
O’Neill, brother and sister of Constable Valley Police, who was killed aged 39
impacts on health and well-being. There
Michael John Ferguson, RUC, who was years, when the police motorcycle he
is now evidence that ageism is the
murdered by the IRA aged 21 years in was riding was involved in a road traffic
most commonly experienced form of
1993. collision.
discrimination, however, it is often not
Representing Wales: Jayne Griffiths, As the last post was sounded, the considered as harmful and serious.
wife of Constable Terence John Davies, room fell silent as petals fell as a mark of
Countering ageism requires changing
Gwent Police, who died aged 34 years, respect to remember all our fallen officers.
the way we think, feel and act about
cycling home after a tour of duty when he
NARPO was represented by Steve ageing and older persons. The campaign
was hit by a stolen car which failed to stop.
Edwards, CEO and NARPO President, is a step forward to changing mindsets
Representing Scotland: Callum Brian Burdus. about ageing.
Alcock, son of Police Constable John
For more information go to
www.aging-equal.org
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NARPO NEWS Email: hq@narpo.org Website: www.narpo.org 13FINANCIAL MIS-SELLING
NARPO MEMBERS “HAVE YOU BEEN A VICTIM?”
General News
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NARPO NEWS Email: hq@narpo.org Website: www.narpo.org 15Intergenerational
Intergenerational Unfairness
Unfairness
Is it really our fault?
In the last edition we ran an article giving an overview of the smaller. Is this our fault? The factors
which have led to this situation are
final report of the Intergenerational Commission. In this issue complex but it is difficult to see how any
NARPO member, David Pearce, adds his view of responsibility can be laid at the door of Baby Boomers.
for any perceived unfairness. Disposable Income! It is likely that
my disposable income will be more than
that of a millennial or even a member
The authors of the report, the principle is something long forseen and of Generation X but the reason for this
Resolution Foundation, are headed up by the reason that many of us made the is the vast difference in what we have
ex-MP David Willetts, now Lord Willetts. move into home ownership and accepted been persuaded to regard as necessary
In 2010, while still an MP David Willetts the hardships brought with it. It seems expenditure. I will discount the need to
wrote “The Pinch”. to have been forgotten just how difficult repay University fees and the ridiculously
it was to buy a house in the late 1960s high interest rates charged on them. I
Not a crime novel, but almost a
and onwards. The pain of paying interest only ask whether those were the fault of
premonition of the future report. The book
rates which rose to 17% for a period Baby Boomers. There are still around 1.9
was subtitled “How the Baby Boomers
but were always in excess of 8% was at million pensioners living at or below the
took their Children’s Future and why they
times intolerable. The good news for the poverty line. To me, it is looking extremely
should give it back!”. This title should give
economy is, if I do sell, the Exchequer likely that the villains in David Willetts’
us a clue as to how open David Willetts’
will have profited from Stamp Duty and book have been wrongly identified!
mind was when he entered into research
from VAT paid to the various people
for the report. Regretfully, his ethos There has been a major change in
employed by the parties in the chain. If I
seems to be to portray today’s pensioners pensions. No more final salary pensions
do not sell and remain in my house until
as greedy, selfish and undeserving apart from a favoured few! This puts many
my, and my wife’s, eventual demise then
and the root cause of the perceived Millennials in a far worse situation, having
the Exchequer would benefit from 40%
intergenerational unfairness! I contend to make their own arrangements within
of the probate value or by whatever the
that this is a myth and that this report the employer led auto enrolment scheme.
report recommends to replace inheritance
seeks to perpetuate that myth! The estimate is that it would be necessary
tax. In addition there would be the stamp
Are we to blame? Let’s look at those duties and VAT referred to previously. to build a fund of £260,000 to give a
factors which the report states bring Either way, sale or no sale, I fail to see pension return of £9,000 per year and yet
about the disparity. any financial benefit to me and feel that the average contribution will not realise
the phrase “Property Rich” is amongst anything like that amount. The minimum
• The astronomical rise in house employee contribution is currently 2%
the most misleading in modern times.
prices preventing the young from of pay, soon to rise to 3%. Many people
Over many years I have thought that
entering the market. contribute the minimum to keep the option
Parliament should have taken some
• Lower remuneration from action to stabilise house prices but alas open but there is no sign that they are
employment. Mr Willetts and his colleagues failed to encouraged to increase it at any time. The
‘‘
do so. Those of us trying to move up the
• A decline in disposable income. property ladder were disadvantaged by
• Less availability of meaningful the rise in property values as the homes
pensions. we aspired to invariably increased by a The estimate is
similar percentage to our current homes,
Were these the fault of Baby meaning that the gap widened. But more
that it would be
Boomers? Have they profited? on percentage increases later! necessary to build
My house is worth around 5 times Unemployment is at a steady figure a fund of £260,000
the amount I paid for it 22 years ago.
If, in my current circumstances, I was
at present but what are these jobs that to give a pension
people are holding? Many are involved in
to sell up. I would have to buy another what have become known as precarious return of £9,000
and that would have risen by the same employment. Self employment, bogus per year and
factor. If I downsize, then my children
will benefit from any difference and then
hope that my wife and I remain in good
health for at least another seven years.
The report suggests “the bank of Mum
self employment, temporary contracts
and zero hours contracts. All of which
tend to be low paid and filled by younger
employees. Many people are having to
perform multiple employments just to
yet the average
contribution will
not realise anything
‘‘
and Dad” is something that families get by. It is clear that, for the majority, like that amount.
have found to solve the disparity. This the hours are longer and the returns are
16 NARPO NEWS Email: hq@narpo.org Website: www.narpo.org‘‘
truth is that young people who are poor They are also critical of benefits which
Intergenerational Unfairness
in employment will be poor in retirement pensioners receive, free bus travel, free
BUT I still fail to see any blame attributing
to Baby Boomers!
prescriptions and winter fuel allowance.
They are especially critical that the winter
The UK state
fuel allowance is a universal benefit for all pension is the
So why should the Resolution
Foundation give this impression. I think
most people now understand the “triple
lock” in relation to pension uprating. The
Foundation, along with many MPs, say
people over a certain age including the
very rich. Yet, one of the fundamentals of
their report is that a “citizen’s inheritance”
of £10,000 should be paid to every 25
year old regardless of need. This is surely
worst in 37 OECD
countries in terms
of a percentage
‘‘
that this is not fair, giving pensioners an
a case of double standards being applied.
of earnings!
advantage over the rest of society. The
The “inheritance” would be a “restricted
triple lock figure of 2.5% was applied in
use asset endowment” to support skills,
2017 whilst many in employment were There is no doubt in my mind that
entrepreneurship, housing and pensions
held to 1%. Is this unfair? What I would the Resolution Foundation report is an
and not to be frittered away. The phrase
suggest is unfair is to measure rises in attempt to convince the Millennials that
“good luck with that!” comes to mind.
percentages when what is important is pensioners are the enemy and that the
the actual amount. A loaf of bread does So, if Baby Boomers are not the villains measures they recommend are in support
not cost more dependent on age or of this piece then what do they give of the battle against this greedy, selfish
employment status. Using an “across the to society? In 2011, a Royal Voluntary and undeserving section of society. Some
board” percentage leads to a widening Service report stated the nett contribution of the measures in the report may seem
of any gap. 2.5% of the average state to the economy from pensioners was in worthwhile. For example, cutting stamp
pension is less than 1% of the average excess of £40 billion per annum. This duty to revitalise the housing market
wage and so, even in that unusual year, arose from unpaid work, volunteering, makes sense but it should be seen as a
state pensions fell behind in real terms. If care duties etc. Their pension costs are stand-alone policy and not part of a report
the Government had not broken the link offset by a significant contribution through purporting to address inequality. By all
to earnings for several years, the basic taxation, both direct and indirect. People means introduce measures to improve
state pension would now be around £198 are staying healthier longer and are as the lot of members of society including
per week, in excess of £50 more than the likely to be contributing through caring for the young but not at the cost of older
current figure. The UK state pension is the a National Health patient as being a drain members. Pensioners do not ask that
worst in 37 OECD countries in terms of a on the services by being one. As they get their hard work, frugality and contribution
percentage of earnings! A fact which Age even older they will almost certainly need is celebrated but merely that it is
UK have said should be a wake up call. more health care but the same could be recognised by the Resolution Foundation
It appears that somebody at Resolution said for smokers, drinkers, the obese and by Government!
Foundation has hit the snooze button! and many other categories including
David Pearce - London
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NARPO NEWS Email: hq@narpo.org
NARPONews_0111_HP_NatMob_SimpGreen.indd 1 Website: www.narpo.org
10/10/2018
17
14:31NARPO
Conference
NARPO Conference
In early September NARPO hosted its annual conference in Torquay.
Branch Officials joined members of the
National Executive Committee to discuss
key issues around the organisation’s
activities and finances. A keynote speech
was delivered by Ann Widdecombe and a
panel of ex-police officers spoke about life
after the police.
To view the Conference speeches and
panel discussion go to www.youtube.com/
watch?v=zDXL5MVIrSU
NARPO President, Brian Burdus,
addressed delegates at the conference.
Hi speach, in full, is printed below.
“This is my first opportunity to address
you as your President and I begin by
welcoming all the delegates, guests
and observers to your Conference.
This welcome also goes to those who
throughout the day use the webcast.
Members of the NEC
I have been given 25 minutes on the
Agenda, but I doubt I’ll be here that long. “Earlier I introduced all the NEC “Locally, your own NEC reps should
Not because there has been little to say members to you, and although biased be keeping you updated on what is
but because our communication links are because of the position they gave me and happening on your behalf. This is a two-
so much better than in the past. the job they gave me to do, I must say way process on finance and other issues.
that they are an experienced and wholly If it is not happening, it should be.
“We have almost 90,000 members
committed group of people, who work
(I think we are about 150 short), but “None of what the NEC do would
locally and nationally on the behalf of you
apparently there are about 150,000 happen if we did not have a tremendous
and all the members you look after.
people in receipt of police pensions in team at Headquarters, and I am taking
some form. The details were given to “There is one section at every NEC this opportunity to thank them personally,
Steve and were forwarded to all branches meeting that gives your representatives, Steve, Alan, Helen Morgan, Helen Ketton,
by the CEO. These will not all be retired regardless of the sub committees they Julie and Dawn but also on behalf of
police officers, but many will be. I would are on, to speak on issues from their everyone for the work and advice they
‘‘
members. If you have something to say give throughout the year.
or write about, I ask that you let your local
“Thanks also to Angela for her
NEC member know so if you do not get
involvement in sorting Conference and
What we are the reply you were expecting or no reply
other work.
they are in a position to ask questions.
doing and intend “Richard Critchley the vice president
“Nationally, a lot of the work is through
to continue doing and I make sure that we keep each other
with your help is to
have a clear long-
term view of where
‘‘ different sub committees and by NEC
members representing us on various
outside bodies.
“One of these outside bodies is
Age UK, and I have been fortunate to
apprised of what we are doing, and I can
assure you we engage with the staff at
Wakefield. Particularly with Steve and
Alan on a regular basis so everyone is up
to date with what is happening.
we are going. represent NARPO at their AGE Sector
“My personal thanks go to the
Group meetings. Once a year, I attend
individuals named and the rest of the
their Later Life conference, which is
NEC for their support over the last year.
usually earlier in the year. We were
like you to think how we can trace these absent from this year’s conference “What we are doing and intend to
people and perhaps convince them to because they changed the date and it continue doing with your help is to have
become members of this organisation, took place yesterday. I think my absence a clear long-term view of where we are
whose members were complimented by from here might have been noticed. going.
both the Mayor and the Chief Constable.
Well deserved. “Principal theme as you would expect “We adopted a consultative approach
was ‘care’. Full details are on their when we looked at the new rules, which
“I know that’s a hard task because website and fuller inforation will no doubt seemed to work well.
there are many who wanted to make a follow in a few weeks.
clean break when they retired. “In 2012, there was a presentation of
18 NARPO NEWS Email: hq@narpo.org Website: www.narpo.orgYou can also read
