Some of you are vultures

neverdespairgirl

JACKBLACK wrote: »

I take my hat of to you mate for standing up to this bunch of vultures;). I agree with you what ndg did was very low.

Why is it "very low" exactly?

neverdespairgirl

greenwheels007 wrote: »

c..

When people are self employed. they are the employer, do they apportion their profits to account for true staffing costs or do they just stick the takings in their pockets?

I have work-related expenses. I pay 14% of my gross income to Chambers, pay to travel to court, buy (bloody pricey) books and electronic databases, etc.

So when I get paid, always by cheque, I just pay that into my account. In January each year, I file my tax return, showing gross income, work expenses, and pay tax on the rest.

neverdespairgirl

BACKFRMTHEEDGE wrote: »

I wouldn't expect anything less of Marie Antoinette - likes to tell us all that recessions are good for us - from a position of privilege.

Can you justify that comment?

No?

Didn't think so. Just random abuse, then.

Cleaver

before_hollywood wrote: »

i work hard, why cant i have my own house?

I dunno, there could be a whole range of reasons ranging from your personal finances and location to the vast and complex reasons why house prices have soared so high in recent years.

Or you could just blame scapegoat BTL landlords.

before_hollywood wrote: »

i have no sympathy for middle class btl investors that have used their superior financial situations to make terraced houses and starter homes unaffordable just so they can pay for fancy schools and fancy 4x4s, they can rot in hell for all i care

Oh, wait, you just did.

caveman38

My husband supplied and fitted a good quality Glowworm Combi boiler recently for £800. He made about £100 for the day but it was a very long day from 8am until he returned home at 11pm. Supply teachers earn about that much and most of them sit on their backsides in a classroom starting at 9 and finishing at 3.30pm. I know that because I work in a school. He works bloody hard mostly for dustmen's wages. We are certainly not loaded and never have been.

Hands up those who beleive a Corgi certified gas fitter earned £100 for 15 hours work.

Davesnave

My husband supplied and fitted a good quality Glowworm Combi boiler recently for £800. He made about £100 for the day but it was a very long day from 8am until he returned home at 11pm. Supply teachers earn about that much and most of them sit on their backsides in a classroom starting at 9 and finishing at 3.30pm. I know that because I work in a school. He works bloody hard mostly for dustmen's wages. We are certainly not loaded and never have been.

Dunno who this is, but she is talking out of her rectum....

I worked on supply for a number of years due to being a carer and, while I didn't object to the pay (roughly £23 per hour at that time) I had to turn up at about 8am and usually worked till at least 5pm. I was only paid for 6.25 hours (because I was technically 'free' to go out in the lunch hour) but the logistics of marking 2 sets of around 28 books, plus other marking/paperwork and account for the extra time. Not only that, but if it was a 'run' of several days, I'd be at home in the evening preparing for the next day, as the work was often unfamiliar. (No school today has unplanned time and, due to equal opps. parallel classes must cover similar things)

Yes, I know there are a few supplies who go into school and 'sit on their backsides,' but in the real world you will find that, being virtually self-employed, these characters' phones don't ring very often! If they are employed in a good school, you can bet that someone will make it their job to evaluate them and a red mark will go against their name in the supply list. Weak supply teachers are therefore only called in meltdown situations or to sink schools where no one else wants to go where, I suspect, they don't really sit on their bottoms, but spend most of their time on their feet in crowd control! Frankly, £50 an hour would be too little for that.

Just thought I'd correct a few misunderstandings. I don't claim to know much about gas fitters. The one I know, last worked 5 hours for me in 2006 and charged £300, which I thought fair.

Edit: I have another plumbing job coming up, so I'd quite like this poster's husband to do it. I'll bid £23 per hour!

phil1873football

dopester wrote: »

Good, because you won't get any from me.

RBS was valued at some £8 a share only a while back. Trading at around 65p now.

The property market moves slower, but prices are still hugely over-valued.

Your valuer may have given you a value from the old world - when banks still had money and would lend to near about anyone with a pulse.

Actually, he valued my property at the current price for this current climate, and yet it still wont sell

sarkin

greenwheels007 wrote: »

Ah, someone who is self employed...
Can you explain something that completely baffles me please?

I go to work and my employer pays me a wage. The true cost (is it called 'on cost'?) is what appears on my employers budget sheet though. That is what it costs them in wages, pension contributions, buying me a desk, heating my office, paying for my mileage etc etc. This is a total cost but the company also pays in to pots fro a rainy day, such as redundancy pay offs, tribunals and insurance etc..

When people are self employed. they are the employer, do they apportion their profits to account for true staffing costs or do they just stick the takings in their pockets?

I just don't understand how self employed people work, I am surrounded by publlic secor types!

Well basically it is risk reward, you take no risk you get no reward. As you have explained you turn up for work and everything is provided for you. Do you know who supplies the toilet roll at your place of work. No because it not part of your job description

Self employed people take risks that is why they can earn more money than educated degree people. Now I run a business I take all the profit because it is my idea and I make it work. You want me to give you a cut of the profit, I will, do you want a cut of the losss as well. No you just want to get paid at the end of the month.

Lotus-eater

sarkin wrote: »

Well basically it is risk reward, you take no risk you get no reward. As you have explained you turn up for work and everything is provided for you. Do you know who supplies the toilet roll at your place of work. No because it not part of your job description

Self employed people take risks that is why they can earn more money than educated degree people. Now I run a business I take all the profit because it is my idea and I make it work. You want me to give you a cut of the profit, I will, do you want a cut of the losss as well. No you just want to get paid at the end of the month.

Exactly right.
The lady who was talking about her plumber husbands £100 a day for goodness knows how many hours, better have a look at his profit and loss sheet. If you aren't earning enough, charge more. I couldn't get a plumber for anywhere near that, over double for private work. Site work, that's different, but then you have reliability of continuing work hopefully, but you didn't mention that...

The person that asked if it was a bad time to be self employed. I don't think its ever a bad time to be, just a bad time to be doing certain things. Or a bad time to be doing them badly.

Its a bad time to be most things at the moment.

neas

im loving this thread...Its showing the struggle.... HPCers have been shown correct... and now the HPIers... those who are scared they will lose money are throwing the toys out of the pram so to say.Love it!