Dreams make you whole and confident !

13th of July 2020

Just a thought this morning.

I am a Gemini a typical one with all the complications and problems, i.e. problems for other people, not for me, no way!

I jump from one subject to the next one without noticing and people I am talking to just shake their head and are totally lost.

Luckily I do have friends who understand this problem and just pause and ask me to tell them what I am talking about NOW !

I have been like this always I think. Another problem I have is planing and thinking and then suddenly jumping the idea in front of someone, the boss or my friend.

The idea is fully processed in my mind, I have been thinking about the pros and cons for sometimes a long time and then I expect my boss to understand !

I was lucky. Many years ago when working for a company the boss told me: You can not jump your ideas on my, the ones you have been moulding for weeks, and expect me to say fine, just like that. I understood and I waited until he came and told me we could go ahead and the idea was perfect! Lucky me, don´t you think?

I have been realising slowly but persistently that my confidence is growing every day. I am who I am and I am proud of it.

What a relieve.

I don´t have to get permission to be the strange or different me!

I can just be.

Nothing to that you might say.

But for me it is a lot. I have allowed other people to define my, I have allowed other people to belittle me simply because I don´t fit into their frame. Can you believe it?

Freedom, my freedom is finally here. I am different, just like you are different. We are all unique. There is no one quite the same. Have you thought about this and looked at your life and your believes? Are they yours or are they to please someone else. It is interesting to look and you might find something you never expected. You might find your new self, the one that you love and want to nourish and pamper.

This was just a thought for today and tomorrow is another day and my thoughts will change and grow and my confidence will surprise both me and you.

Enjoy life and love intensively. Love is the glue that keeps us together and self love is the best one. There is nothing selfish about loving yourself. It is how it should be.

Listening to Demis Roussos makes me always feel good and the last one I listened to was “My broken souvenirs”.

Crying over lost memories is not me.

Crying over a lost friend is me.

Memories are made now – is me

Dreams make memories beautiful and whole

If you don´t dream you die.

Hulda Björnsdóttir



We have to keep the hope alive, we must not despair ! NORMAL will be back !

12th of July 2020

Today is summer in my little land.

The summer is usually hot and dry and this one is no exception.

In my little land we have forests everywhere, beautiful ones and they protect us during the summer from the heat and during the winter from the roaring cold wind.

Although there is other side of the coin which we don´t talk too much about.

Every summer, for the last nine and a half year I have been experiencing the horror of the fires in our beautiful woods during the hottest summer months.

Every summer the firefighters, our heroes fight and try to keep us safe. Sometimes they are lucky and the fire is out but sadly and too often they loose and the monster spreads and sometimes we lose one of our heroes and others get injuries. The conditions in my little land are in many places difficult, mainly where the hills are steep and the trees far away down at the bottom.

Yesterday there was a fire in Serra da Lousã. In the afternoon the thunderstorms roared, during the night they continued and the lightning followed.

Yes, it reminded me of China and the situation there during the hottest time but the difference in my little land compared to my beloved China is the woods. In my little land we have woods everywhere, in China we don´t.

The news this morning broke my heart. One of our heroes lost his life yesterday and 3 others are injured, or perhaps more.

Just few days ago we lost a police man.

Today it looks like this according to the authorities:

13 districts in mainland Portugal and the island of Madeira are under yellow warning.

The districts of Braga, Vila Real, Bragança, Guarda, Castelo Branco, Coimbra, Leiria, Santarém, Portalegre, Lisbon, Setúbal, Évora and Beja will be under yellow warning until 17:00 on Monday due to the persistence of high values maximum temperature.

Here in my little village we are expecting very high temperature during the next 7 days. When it is hot it’s extremely hot in Penela and when it’s cold it is really cold.

I do complain about the cold during the winter but what I would give for some of it now is worth million words.

Yesterday the clouds were amazing; they usually are during the evening. We have to remember the beauty. We can not give in to despair.

We have to remind us that there is another day ahead and we need to survive. I must pray for the firefighters and everyone in the health care. They are not just fighting fires, they are fighting Covid and we, the public must act responsibly even though we would like to go to the beach and we would like to hug each other and do what we are used to at normal time.

We are not living normal times, we are in an extreme situation and we do have problems in our capital in my little land. People are partying, the tourists are arriving and somehow we seem to be going downhill.

We have sacrificed so much since March. It cannot be in wain. Normal times are around the corner, although the corner is huge and it takes a long time to walk to the other side.

I am optimistic and I believe that normal will be again. I am keeping that dream alive every minute of the day.

Hulda Björnsdóttir

We lost a hero yesterday, today we mourn in my little land !

12th of July 2020

Good morning
Góðan daginn

Today is a sad day in my little land. We lost one of our great heroes while he among others was fighting the fires in our little land.

The heavens are crying with us this morning.

Yesterday day night the thunderstorms and lightnings roared.

Rest in peace great hero.

My deepest condolences to the firefighters in Miranda do Corvo and to the family.

Words cannot describe how much I appreciate the work of the firefighters in my little land.

I hope you stay safe and I send hugs with love and light

Beijinhos e abraços grandes todos

Hulda Björnsdóttir

Memories from China

Today it is terrible hot here in Portugal and the memories from China pop up.

These days are nothing compared to how it was in Fuzhou during the summer and I am going to put some pictures that tell the story.

The pictures above are of my wonderful gardeners, or 2 of them. Then there is the one with me and the men making the road usable! I got permission to try and that was fun. This was during a rainy season and the work that should have been finished after few days took weeks. After all time in China is different from the Western world! Tomorrow might be next month, you never know and that I experienced often.

Luckily we did not have to walk between the office and the houses. We had of course a private driver and he took me where I needed. The other photo is of the security guards.

During the summer we had some university students working as security guards and they were fun. How we could laugh and enjoy ourselves was perfect. One of the students was also my teacher. He taught me Chinese and that was also interesting and fun sometimes but most of the time hard work but he did not give up on me and eventually we managed to get the words out of my mouth not sounding like a horror movie.

Sometimes we had thunderstorms, terrible wind and bad weather, even during the summer. There were floods and the workers had to protect the houses where the water had found a way inside. It was hot and it was wet. They are wearing the yellow things but took them off and sometimes they wore just their boxers. Terrible hot and hard work demands extreme solutions. Sandbags did come handy.

The public transport was different, we had motorbikes just as everywhere in China, we had the green thing which I have no idea how to name and then we went by foot.

Hats we did not use a lot but sun umbrellas are everywhere and wonderful. I still use them here in Portugal and people look at me like a thing from Marc or somewhere around the universe!


Working in the garden was of course part of my life when not teaching or writing or doing whatever I did. My car was in the garage during the hottest time and during the winter when my house was freezing I sometimes just got into the car to have some heat in my body. The winters in Fuzhou are cold, I can tell you that. The summers are very hot and the air condition working 24 hours. I hate the sound of the air condition but during the night it was impossible to sleep without it.

Anyway, this was just a memory trip to my beloved China and remembering the good times there.

Hulda Björnsdóttir

My dear friend would have been 102 today

11 th of July 2020
Good morning
Góðan daginn

It is night here in Penela but a beautiful and fresh one
I woke up at 5 o’clock and looked out
Sometimes I watch the sky from my balcony and dream big
I dream about flying around the world and the clouds are my plains
Now it’s dark but the moon is big and I go to a special place which I love dearly. I travel there often.
Today is a special day. My dear friend who passed away decades ago would have been celebrating his day today.
This friend shaped in many ways my life. I was a teenager and he listened to me and showed me respect and fatherly love. I remember the last time we spoke like it was yesterday. It was decades ago but nothing had changed. The love and support and appreciation was like when I was a teen girl and sat in front of him and told my stories.
I think about him every day. I talk to him and he gives me advice and support. If feeling low I dream about him supporting me and telling me to get through and be strong.
I miss him and I look forward to see him one day in the future when I walk into the wonderland where he is now.
My dearest friend. Happy birthday to you and receive my love with hugs and kisses on this wonderful birthday of yours. Thank you for your love. Thank you for shaping my life. Thank you for never forgetting me and thank you for just being a wonderful part of my life.
My friends who read this morning greeting!
Today is a day I will celebrate my friends birthday.
I hope you all have a special friend which you remember every day.
With love and light I bid you good morning.

Hulda Björnsdóttir

Why I got so angry !

11. July 2020

Suddenly I became terrible angry, out of the blue.


I have no idea; I am just furious and pissed off. Maybe it’s me looking at me and wondering why I don’t respect me more.

Sometimes I allow people to use me and behave like I am there always when they find the urge to contact me.

I have been like this for a long time, this is nothing new and I have to rise up again. It´s like I go blindfolded and suddenly I come to a hurdle and realise what I am doing.

There is no need for me to be angry with myself even though I fall into the same pit again and again. This is the road to recovery and the road is full of hurdles, some are big and some are smaller, but they are there and when I see them I have to choices. I can walk around them or I can walk straight into them.

Which one is better depends on how strong I am in that precise moment.

The teacher is there. The lesson is there. I am there so all is set perfectly.

Should I or shouldn’t I? That is the big question.

I think I should.

I think I am strong enough to survive.

I am willing to take the chance and loose.

What is for sure, I cannot go on like I am doing now. I have to reset myself; I have reset my dreams a bit and mould them.

I have a dear friend and I know what he would say. He would say, I believe in you, you live your life alive and you can do this!

I don´t even have to hear him say these words, I know him and he knows me and I should trust his wisdom.

Today has been an emotional day for me and perhaps that’s why I got so pissed off suddenly. I did not get the support I should have had and expected. Life is not always like black and white, sometimes there are rainbows with the entire colour spectrum.

Today has been a rainbow day in my life.

Today has been very hot here in Penela, with thunderstorms and heavy rain for a moment. The rain became hail and danced about the terrible dry grass.

The trees drank and now they look happier than ever.

The angels decided it was time for spring cleaning and we got all the water.

Wonderful and the beauty is back. Tomorrow and next 7 days it’s going to be hot here in my little land. It is after all summer time and the heat follows.

Drinking a lot of water and taking care not to go out during the high ultraviolet danger is what can be done.

Tomorrow is a new day. Tomorrow I will be happy and content again.

Tonight I go to bed and dream about fresh start and new adventures.

Hulda Björnsdóttir

Will I ever be whole?

10. July 2020

Is it possible that sexual abuse in childhood can affect the person the whole life?

Is it really like a part of you is killed if you are abused as a child?

We don´t often talk about sexual abuse, and it does not make any difference if it happened when you were a child or when you grew up.

How does it affect a woman, when she is an adult if she has been sexually abused as a child? Is her attitude to sex when she is an adult different from those who have not been abused?

There are books about this and some are quite good. One I came across many years ago was “IS THERE NOWHERE TO CRY”

It was a wonderful book that described the feelings and the struggles and the loss of memory. The loss of memory was a way some of the victims do use simply to survive in the cruel world they remember.

The mind is clever; it shows you what you need to see when you are ready and not a minute earlier. When you are ready the memory pops up and you can work through the horror or you can decide to leave it and bury again until later.

When I looked back at my childhood everything was black before 12 years old. It was simply like I did not exist before that. No memories, nothing neither bad nor good. I often asked why and the therapists told me, When you are ready you will see.

Decades went by, nothing changed, I had no early childhood memories and I hated Christmas. Why did I hate Christmas I have not figured out yet but for sure one day I will understand. Something must have gone terribly wrong in my head during Christmas when I was little.

I have many memories of difficult Christmases after I left home and during my life, but I remember those. I remember when we were so poor and had no idea how to put food on the table. I remember my first Christmas away from home, the first one with my husband and his family. One day I might write about my adult holidays but not in this blog.

I sometimes think that victims of sexual abuse are feeling worthless. They are many of them always trying to please the man in their adult lives and truthfully they don´t know how to accept the love they are being offered.

The victims might feel that to be loved they have to be the pleaser and they become quite good at it. In this blog I am talking about women but as we know men are sometimes the victims.

One day about more than 20 years ago I woke up during night at 3 o’clock and I remembered the summer when I was 8 years old and my childhood was grasped away and I became the pleaser. He was 17 years old and worked at the farm my mother was a housekeeper. He was nice to me. I was lonely, He made a hut for us and there we pretended to be a family. I made mud cakes for him and we had afternoon coffee when he came home from the field.

After the coffee he told me to lay down and caressed me and told me he loved me. No one had loved me before and I was happy and felt secure. One day he was on top of me and went all the way, it hurt and I was afraid but he told me this was how couples like us did and I needed to relax.

This went on during the summer and I never told my mother or anyone. He told me if I said anything I would be punished.

In August he left the farm and I was alone again. I was free from the abuse but I felt abandoned once again.

Many years, many decades later my mother asked me what had happened!

She knew something was going on but could not for some reason do anything about it.

I lied to her and said nothing had happened. She would not have been able to bear it if she knew the truth and I did not want her to go to the grave with this on her conscience.

I am not angry or bear any grudge against my mother for not being able to protect the child. She did what she could, as well as she could and she had my young brother to take care of and she needed to try to have food on our table. That was just her life.

When my memory woke me up and told me that I could work through the horror I did.

I got all the help available and there was a lot of help. I worked through the feelings, through the rejection and much more but the scars are still there. I wonder if I will ever be whole, completely whole, and I wonder if I will ever be able to allow a man to love me like I am and enjoy his love to the fullest and trust him not to leave me.

During the Covid time and the isolation I have been working through my feelings intensively and have accomplished a lot. I know and feel that dreams are good, they are the first step to a bright future. My thoughts make my life. If and when I am thinking positive thoughts I am happy.

If I am worried and pessimistic my life becomes hell.

It is all in our mind, said a wonderful friend to me many years ago. She was one of the diamonds that have passed my way during a colourful life. She was blunt and honest and made me change the thoughts. She was the one that taught me about dreams and how wonderful and nourishing they can be. She is one of my very good friends, and there are many of them and more appear slowly even now.

This has been a blunt blog, a blog about something we don´t talk about often, difficult feelings and how to change them into something precious and good.

The abuse was neither precious nor good but it made me what I am today and it helped me to understand life a bit more.

In my meditation my mentor tells me, You are the only one like you, there is no one and never has been and never will be anyone just like you. I like that. I am happy to be me. I wake up almost every morning happy and looking forward to the day. Every day has a new adventure and something different and exciting happens.

The road to recovery is sometimes steep but mine has been perfect for me. I have got the teachers when I needed them and they have helped me to heal and they have nourished my soul, every day, every moment and will forever.

Gratitude is a wonderful feeling and I have a lot of her. She is my best friend and we walk hand in hand every day. Sometimes I don´t quite understand what to be grateful for when something new happens but my friend the gratitude arrives and shows me the road.

I have big dreams for my future. I nourish them and make them brighter and more alive one day at a time. Dreaming is a must.

Hulda Björnsdóttir

The love of her life is arriving!

9th of July 2020

She is waiting for her love.

She has been waiting for months.

He is there or is he?

She has been waiting anxiously.

Will he make it or wont he?

The plain has landed.

The people are arriving.

But no sign of the one she is waiting for.


What has happened?

Everyone seems to have arrived and no more passengers.

She looks around, disappointed and sad.

Were the expectations too high?

Will she not be able to hold him and kiss him?

Maybe it was all in vain.

Suddenly there is a voice in the speaker.

“Mum, don´t worry, I’m at the airport and will be with you in a minute”

Hulda Björnsdóttir

Breytingar á lögum almannatrygginga um hálfan ellilífeyri. Taka gildi 1.september 2020

9. júlí 2020

Þá er kominn síðasti dagur þessa áfanga, þar sem ég ætlaði að skrifa um kerfi almannatrygginga á Íslandi og setja inn einhverjar upplýsingar til hægðarauka fyrir þá sem eru að velta eftirlauna tímabili fyrir sér.

Það er eiginlega við hæfi að ljúka þessari lotu á nýjum lögum um hálfan lífeyrir frá TR.

Þessi lög taka gildi í september svo ekki er hægt að setja inn í reiknivél TR útreikninga sem byggja á nýju löguunum, ekki í bili.

Það sem vekur einkum athygli mína í þessum nýju lögum að til þess að geta tekið hálfan lífeyri þarf viðkomandi enn að vera á vinnumarkaði en þarf þó ekki að vera í fullu starfi, hálft starf nægir.

Lífeyrissjóður viðkomandi þarf einnig að hafa samþykkt að heimilt sé að taka hálfan lífeyrir.

Þá er það frítekjumarkið: Ég viðurkenni fúslega að ég þaf að hugsa þetta mjög vandlega til þess að skilja hvað er verið að tala um, eða réttara sagt hver meiningin er!

Eftirfarandi spurningar vakna vegna lagagreinarinnar hér á eftir:

     b.      Á eftir 1. mgr. kemur ný málsgrein, svohljóðandi:
                  Hálfur ellilífeyrir skal vera 1.540.734 kr. á ári. Fjárhæð hálfs lífeyris skal lækka um 45% af tekjum lífeyrisþegans, sbr. 16. gr., uns lífeyririnn fellur niður. Lífeyrisþegi skal hafa 3.900.000 kr. almennt frítekjumark við útreikning hálfs ellilífeyris

Hálfur ellilífeyrir 1.540.734 kr. á ári


Hálfur lífeyrir á mánuði er því 128.394

Ef tekinn er hálfur lifeyrir má hafa 3.900.000 á ári skerðingafrítt en eftir það tekur hnífurinn við og sker 45% af tekjum, þ.e. líklega atvinnutekjum plús tekjum frá lífeyrissjóði.

Þetta þýðir sýnist mér að viðkomandi megi hafa 325.000 í tekjur á mánuði áður en farið er að skera niður hálfa lífeyrinn frá TR.

Þá kemur stóra spurningin sem er þessi:

Eru margar konur með 325 þúsund krónur á mánuði í laun samanlagt fyrir hálft starf plús réttindi úr lífeyrissjóði?

Eru margir láglauna karlar með 325 þúsund krónur á mánuði í laun fyrir hálft starf plús réttindi úr lífeyrissjóði?

Hvaða stéttir eru með þessi laun sem lögin miða við?

Hvers vegna var lögunum breytt svona?

Hver eru rökin?

Ég veit ekkert um þetta mál annað en útkomuna. Voru allir flokkar sammála um að gera þetta svona, að setja enn eitt bútasaumstykkið á Lög um Almannatryggingar?

Auðvitað gæti ég flett upp atkvæðagreiðslu á vef Alþingis en ég nenni því bara ekki.

Hvenær ætli lögin verði endurskoðuð í heild og skoðaður endapunktur breytinga en ekki bara fögru orðin sem geðjast einhverjum?

Pétursnefndin starfaði í 10 ár og þegar þau komu með góðar tillögur til bóta fyrir þá sem verið var að fjalla um sló ráðuneytið á puttana og sagði KEMUR EKKI TIL MÁLA.

Endurskoðun þessa óskapnaðar er endalaus og bútasaumurinn verður ljótari með hverjum nýjum bút.

Það er svo einkennilegt hvernig alltaf er rokið til án þess að skoða ENDANLEGA niðurstöðu

Ég ætla að láta þetta gott heita í bili og sjá til hvað mér dettur í hug á morgun en í lok færslunnar hér eru breytingarnar í heild sem taka gildi í september um hálfan lífeyrir frá TR.

Það er meira en líklegt að eitthvað af pælingum mínum séu ekki réttar og þá verður einhver sem leiðréttir mig, en þegar ég skoða málið hér í morgunsárið þá skil ég óskiljanleg lög eins og ég lýsi.

Hulda Björnsdóttir

Fyrir breytingu voru skilyrðin svona:

Af vef TR

“Breytingar hafa verið gerðar á hálfum ellilífeyri sem taka gildi 1. september 2020, sjá nánar hér. Fram að því gilda neðangreind skilyrði:

  • Vera 65 ára eða eldri
  • Að allir skyldubundnir lífeyrissjóðir, innlendir og erlendir, sem viðkomandi á rétt í hafa samþykkt töku á hálfum lífeyri
  • Að samanlögð réttindi frá öllum lífeyrissjóðum og TR séu að lágmarki jöfn fullum ellilífeyrir hjá TR
  • Að greiðslur frá lífeyrissjóðum og TR hefjist samtímis

Ef valið er að taka hálfan ellilífeyri frá TR við 65 ára aldur lækkar sá helmingur varanlega. Hægt er að fresta töku þess helmings sem eftir er gegn varanlegri hækkun greiðslna. Einnig er hægt að sækja um fullan ellilífeyri við 67 ára aldur.

Nyju lögin

um breytingu á lögum um almannatryggingar, nr. 100/2007 (hálfur lífeyrir).


1. gr.

    Eftirfarandi breytingar verða á 17. gr. laganna:
     a.      Í stað tilvísunarinnar „2. mgr.“ í 1. málsl. 2. mgr. kemur: 3. mgr.
     b.      Í stað tilvísunarinnar „3. mgr.“ í 3. mgr. kemur: 4. mgr.
     c.      Við 3. mgr. bætist nýr málsliður, svohljóðandi: Heimild þessi er bundin því skilyrði að samþykkt hafi verið umsókn um greiðslu lífeyris samkvæmt áunnum réttindum hjá öllum skyldubundnum atvinnutengdum lífeyrissjóðum.
     d.      Við 4. mgr. bætast tveir nýir málsliðir, svohljóðandi: Skilyrði um samþykki viðkomandi sjóða á þó einungis við um þá lífeyrissjóði sem heimila greiðslu lífeyris að hluta. Heimild þessi er enn fremur bundin því skilyrði að umsækjandi sé enn á vinnumarkaði en þó ekki í meira en hálfu starfi.
     e.      5. mgr. fellur brott.
     f.      Í stað tilvísunarinnar „1.–5. mgr.“ í 6. mgr. kemur: 1.–4. mgr.

2. gr.

    Eftirfarandi breytingar verða á 23. gr. laganna:
     a.      1. mgr. orðast svo:
                  Fullur ellilífeyrir skal vera 3.081.468 kr. á ári. Ellilífeyri skal lækka um 45% af tekjum lífeyrisþegans, sbr. 16. gr., uns lífeyririnn fellur niður. Ellilífeyrisþegi skal hafa 300.000 kr. almennt frítekjumark við útreikning ellilífeyris. Þá skal ellilífeyrisþegi hafa 1.200.000 kr. sérstakt frítekjumark vegna atvinnutekna.
     b.      Á eftir 1. mgr. kemur ný málsgrein, svohljóðandi:
                  Hálfur ellilífeyrir skal vera 1.540.734 kr. á ári. Fjárhæð hálfs lífeyris skal lækka um 45% af tekjum lífeyrisþegans, sbr. 16. gr., uns lífeyririnn fellur niður. Lífeyrisþegi skal hafa 3.900.000 kr. almennt frítekjumark við útreikning hálfs ellilífeyris.
     c.      Í stað tilvísunarinnar „3. mgr.“ í 4. mgr. kemur: 4. mgr.
     d.      Í stað tilvísunarinnar „2. mgr.“ í 4. mgr. kemur: 3. mgr.

3. gr.

    Lög þessi öðlast gildi 1. september 2020. Við gildistöku laga þessara kemur í stað orðanna „1. mgr. 23. gr. sömu laga“ í 2. mgr. 8. gr. laga um félagslega aðstoð, nr. 99/2007: 1. og 2. mgr. 23. gr. sömu laga.”

Getur Íslendingur sem búið hefur lengi erlendis flutt HEIM eftir 67 ára og lifað af eftirlaunum?

8.júlí 2020

Í dag ætla ég að skoða upplýsingar á vef Tryggingastofnuna ríkisins varðandi þá sem hafa búið erlendis og komast til dæmis á eftirlaunaaldur og gæti dottið í hug að flytja aftur til Íslands.

Ég verð að viðurkenna að mér finnast upplýsingarnar frekar rýrar.

Tilvitnun í uppl.TR:

Réttindi erlendis

Þeir sem hafa búið eða starfað erlendis gætu hafa áunnið sér lífeyrisréttindi í fyrra búsetulandi. Það skiptir máli varðandi réttindi og umsóknarferli hvort samningur sem tekur til lífeyristrygginga sé í gildi á milli landanna. Þegar sótt er um lífeyri frá öðru EES-landi eða Bandaríkjunum er umsókninni skilað til TR sem sér um að sækja um réttindin til viðkomandi stofnana.

Mögulegt er að sækja réttindi til margra landa þegar lífeyrisaldri er náð eða þegar um örorku er að ræða. Ef um lönd utan EES, að Bandaríkjunum og Kanada undanskildum, er að ræða þarf viðkomandi að sækja rétt sinn sjálfur án milligöngu TR.

Flutningur til Íslands

Við flutning til Íslands geta lífeyrisþegar sótt um ýmsar greiðslur vegna félagslegrar aðstoðar m.a. heimilisuppbót, meðlag, barnalífeyrir vegna náms og mæðra- og feðralaun.” Tilvitnun lýkur

Gefum okkur að einstaklingur flytji frá landi sem er með samning við Ísland og að viðkomandi búi einn þá sýnist mér að hann mundi fá heimilisuppbót og ef til vill eitthvað fleira sem telst til félagslegrar aðstoðar.

Hér er aðeins meira af vef TR:

Áhrif búsetu erlendis

Fullur réttur til ellilífeyris á Íslandi miðast við 40 ára búsetu og eiga þeir réttindi sem hafa búið  a.m.k. 3 ár á Íslandi frá 16 ára til 67 ára aldri. Réttur þeirra sem hafa búið hér skemur en 40 ár er reiknaður hlutfallslega út frá búsetu þeirra hér á landi.

Réttur til örorkulífeyris byggir á áætluðum búsetutíma frá örorkumati að 67 ára aldri.  Miðað er við búsetutíma á Íslandi fyrir töku lífeyris. Þeir eiga rétt sem hafa búið hér á landi a.mk. í 3 ár eða í 6 mánuði ef starfsorka var óskert er þeir tóku hér búsetu.” Tilvitnun lýkur

Þá komum við að því hvað gerist við flutninga til Íslands.

Gefum okkur eftirfarandi dæmi:

Einstaklingur hefur búið í áratugi erlendis og er kominn á eftirlaun. Fyrir flutning hafði þessi einstaklingur hefur búið í 10 ár á Íslandi á árabilinu 16-67 ára.

Ef ég skoða hvaða réttindi ættu að vera fyrir hendi er það hlutfall 10 ár af 40 árum. Þetta reiknar stofnunin væntanlega út eftir kúnstarinnar reglum.

Síðan geri ég ráð fyrir að viðkomandi búi einn, gæti hafa misst maka til dæmis. Þá kæmi til viðbótar hlutfall af heimilisuppbót sem reiknast held ég hljóti að vera með sama hætti og eftirlaunin. 10 ára búseta af 40 árum. Heimilisuppbót fengi viðkomandi aðeins ef hann byggi aleinn í húsnæði.

Einhver lífeyrisréttindi þætti mér líklegt að þessi einstaklingur ætti í búsetulandinu þar sem hann bjó í áratugi og hefur að öllum líkindum starfað og unnið sér inn réttindi til eftirlauna með greiðslu skatta og því sem bar í viðkomandi landi.

Til þess að hafa dæmið einfalt hef ég það svona:

Búseta á Íslandi var 10 ár og það gerir 25% búsetuhlutfall.

Síðan ætla ég að gefa mér að viðkomandi hafi eftirlaun frá öðru landi að upphæð 150 þúsund á mánuði.

Útkoma þess sem býr einn er svona:

Ellilífeyrir 64.197    (fullur (óskertur) ellilífeyrir frá TR er krónur 256.789)

Heimilisuppbót 16.222    (full heimliisuppbót (óskert) frá TR er krónur 64.889)

Samtals fyrir skatt 80.419 og persónuafsláttur dekkar skattinn þannig að tekjurnar frá TR verða nettó krónur 80.419 á mánuði.

Síðan gef ég mér að viðkomandi hafi 150 þúsund krónur í erlendan lífeyri,  – samtals tekjur á mánuði krónur 240.419

Ef viðkomandi byggi hins vegar til dæmis hjá börnum sínum og fengi ekki heimilisuppbót væri útkoman þannig:

Ellilífeyrir 64.194

Erlendur lífeyrir 150.000samtals tekjur á mánuði krónur 214.197

Munið að ég er hér með tilbúið dæmi sem gæti hæglega verið raunverulegt.

Ég veit ekki hvernig félagslegri aðstoð væri háttað við þennan einstakling, ekki annað en að hann fengi heimilisuppbót krónur 16.222 byggi hann einn.

Eins og þessi dæmi sýna þá er ekki sérlega upplífgandi fyrir útlagana að flytja til ættjarðarinnar, hafi þeir dvalið lengi í burtu.

Ég hef grun um að marga langa til þess að eyða síðustu árum ævinnar á Íslandi, jafnvel þó þeir hafi búið lengi erlendis.

Fólk á ef til vill börn og barnabörn á landinu sem væri notalegt að eyða síðustu æviárunum með.

Miðað við þessa pælingu mína þá get ég ekki séð hvernig það gengi upp. Það lifir enginn á Íslandi mannsæmandi lífi fyrir 240.419 krónur á mánuði. Dýrtíðin er slík á landinu, húsaleiga er geðveik og allt virðist vera í toppi alls staðar. Á meðan búið er að eldri borgurum eins og nú er á landi góssins sé ég ekki að fólk geti með nokkru móti flutt sig HEIM!  Margir tala alltaf um Ísland sem HEIM og festa kannski ekki almennilega rætur í útlandinu.

Hulda Björnsdóttir