We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
Debate House Prices
In order to help keep the Forum a useful, safe and friendly place for our users, discussions around non MoneySaving matters are no longer permitted. This includes wider debates about general house prices, the economy and politics. As a result, we have taken the decision to keep this board permanently closed, but it remains viewable for users who may find some useful information in it. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Benefits System
Comments
-
Why don't you stop whining on Internet forums & go & do some work instead."It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0
-
HAMISH_MCTAVISH wrote: »Silver already crashed, silly boy. :rotfl:
Down 40% from peak now.:)
Gold fell by triple digits yesterday alone...... is that a record?:D
:rotfl: Ha ha after it shot up to over $1900 yes we are in the dip, in a healthy bull market you have dips and peaks but the trend is up up up.
You always say this same trash Hamish, every time there is a peak you go all quiet then in the next dip you spurt your same nonsense see gold and silver are crashing.
You forget your prediction that gold and silver were going to crash when silver was $8 in early 2009 and gold was not even over $1000.
All the way up every little dip you show yourself to be so stupid. When silver went over $20, back to $16 you said say silver is crashing. Again and again every dip the same stupid nonsense.
You will be spurting the same stupidity when silver goes over $60 then settles at around $40 something, then when it goes over $80 and settles back to $60 something getting ready for the next leg up.
Can you not see how markets work, can you not see how wrong you always are ever since your $8 oz silver prediction HAMISH_MCTAVISH you said "gold and silver were going to crash 100% guaranteed" and when anyone disagrees with you, you are so childish with insults. But when you are proved wrong you throw your toys out of the pram and go crying to the mods.
Give it a rest Hamish just admit you were wrong to predict Silver was going to crash after it just doubled from $4 to $8 per ounce.
-
With share prices plunging and fears over Europe rising, homeowners might take comfort from the idea that at least interest rates won't rise. But they shouldn't be so sure. All David Stevenson is saying is why now could be the time to fix your mortgage rate.
We are in a deflationary environment. Stock markets are going down all over the world. Real estate is going down all over the world, even commodities are going down all over the world. Some are predicting oil will go down to $10 for example to show how much deflation we have.
http://www.youtube.com/watch?v=tj2s6vzErqY
The house price bulls love to shout about how in big inflation their debt is being inflated away. But they do not want to think about big deflation and their debts are surging against everything else.0 -
You won't make a living that way, because you won't get to do 3 cars an hour all day every day. You can't go round door to door, you'll have to visit customers at a time that suits them, so you'll waste too much time travelling, and when you get there at the appointed time, the customer will have gone shopping anyway.
Sorry to inject a note of realism, but if we're hand-washing cars on customer's premises I very much doubt whether it's possible in practice to achieve a year-round average of more than 20 a week. Even if you settle for £400 before expenses and tax, that's £20 a time.
No-one was talking about visiting, nor specifically writing you a business plan for washing cars. Just pointing out that it's really not impossible (or even hard really)
Regardless, I think the best thing for you to do then is probably claim benefits.0 -
Well, I've pointed out the root of the problem, but nobody wants to know.
I've pointed out that we can't fix it by taking in each other's washing. Sadly too many people think that's productive business, and that's one of the things that's wrong with this country.
Hordes of vans go round servicing each other's offices. Armies of PR people and consultants go round telling managers how to do their jobs. Even the fleas have fleas. Service industry, they call it. I call it a make-work scheme, and it's just as big a drain as the old ones.
Perhaps the Tories should turn their wrath on that, but I don't suppose they will, because that's how too many of them make their parasitic livings. Nowadays we have make-work for the middle classes, not only for the plebs. Costs more than the welfare budget.
Meanwhile, everybody is convinced that if benefit claimants are punished more harshly, they themselves will gain. Leaving aside the moral question, this just isn't true. Anything that needs organisation or policing will cost extra."It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0 -
On a general point, if we dislike people legitimately claiming what benefits they can and fashioning a lifestyle out of it, we would do better to direct our complaints at the people in power who created this system. For it is they who are truly the idiots.
As a freelancer I have never claimed any benefits inbetween work assignments. That doesn't mean I feel the need to slag off those who do.
Nu Labour got lazy with benefits during the good times, and now it's hurting us all. Don't expect a quick fix solution to it.0 -
heathcote123 wrote: »It's really not. It's very easy indeed - you find a skill that someone is willing to pay for. You do the job, issue an invoice, get paid and declare it on your tax return.
Thats a 'proper' business.
Even if you want to do what I think you mean as 'proper', a ltd off the shelf company is a few quid. Vat registration is free.
Agree totally about how easy it is to start your own business but disagree with the last part.
Buying a Ltd company "off the shelf" is indeed very cheap but the massive increase in accountancy fees would be far more than being a sole trader.
Vat registration is free like you say but does make you more expensive compared to many of your competitiors and also there are accountants fees for quarterly returns.You can do your own vat return but personally I wouldn't want the hassle or worry.0 -
Nu Labour got lazy with benefits during the good times, and now it's hurting us all. Don't expect a quick fix solution to it."It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0
-
On a general point, if we dislike people legitimately claiming what benefits they can and fashioning a lifestyle out of it, we would do better to direct our complaints at the people in power who created this system. For it is they who are truly the idiots.
As a freelancer I have never claimed any benefits inbetween work assignments. That doesn't mean I feel the need to slag off those who do.
Nu Labour got lazy with benefits during the good times, and now it's hurting us all. Don't expect a quick fix solution to it.
True up to a point but the problem didn't start with Nu Labour - they just behaved like drunken sailors home on leave. Pretty much as it was predicted they would.
The benefits culture was thriving back in the 1970s and for all the invective hurled at 'Fatcher' by the donkey jacket brigade, even she failed to control it.
It may be inevitable - an inherent flaw in the system. If you provide what some would regard as a civilised level of benefits then people get lazy and abuse follows.
You are right that there won't be a quick fix solution. Any attempt to curb the excesses of the Jeremy Kyle watching classes and the Left will start bleating.0 -
leveller2911 wrote: »Agree totally about how easy it is to start your own business but disagree with the last part.
Buying a Ltd company "off the shelf" is indeed very cheap but the massive increase in accountancy fees would be far more than being a sole trader.
Vat registration is free like you say but does make you more expensive compared to many of your competitiors and also there are accountants fees for quarterly returns.You can do your own vat return but personally I wouldn't want the hassle or worry.
VAT is a rotten system designed to facilitate a rotten empire (the EU). It is a monster to administer for sole traders. The only saving grace is that the registration threshold is now quite high - certainly beyond a level where it would trouble a one-man window cleaner.
Talk of VAT and limited companies here is just a smokescreen for a common lack of gumption. There is a serious lack of enterprise in this country, exacerbated by a sneering disregard for 'trade' at the top of society (a trait adopted by many on the Left) and a culture where the successful are despised - unless they are semi-literate footballers or 'celebrities' on TV.0 -
VAT is a rotten system designed to facilitate a rotten empire (the EU). It is a monster to administer for sole traders. The only saving grace is that the registration threshold is now quite high - certainly beyond a level where it would trouble a one-man window cleaner.
...
Agreed, but there's more than VAT.
I really don't understand why the idea of Tax Credits. Why should employers reap the full benefit of paying low wages in the expectation that the state tops up the incomes of these low paid workers ?
Raise the threshold where everyone starts to pay tax. It's crazy to tax people only then to give them money back via credits.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards