Nice people thread part 5 - nicely does it

PasturesNew

michaels wrote: »

I am thinking I could have a pretend self employed business (buying and selling on ebay or similar) to make sure I do 24 hours a week, then not actually earn anything and just make use of all the benefits, wouldn't be a lot worse off.

Can't do that any more - they're onto that one as all those Avon ladies/ebay sellers were conning the system and using that to get their tax credits fraudulently. So they're plugging that gap and the hours you say you put into the business will be assumed to have been at NMW.

PasturesNew

michaels wrote: »

I know we are all middlish class here but how can it be fair that there is no cap on isas - surely letting people have say 20k tax free would encourage people to save enough for a rainy day, beyond that they are just a tax perk for the rich.

I'm not middlish Don't earn enough to be counted as middleish.

What does annoy me about ISAs is that I never had a penny left over until I sold my house (as I couldn't afford to run it) .... and so I had £0 in ISAs. On the other hand, somebody better off than me could have been putting £3k away every year. So they'd be better off than me because I couldn't start an ISA before 07/08. Bit annoying that. I've only got 4 now.... but I'll have to cash them in to buy a house at some point.

What would encourage people is if you could put, say, a £100 stake down in one tax year, then back fill it for up to, say, 5 years... but once any's withdrawn from any one ISA you can't refill that portion.

PasturesNew

Pobby wrote: »

PN my friend, did I tell you my wife and I are leaving the West country? Back to sunny Reading. Going to buy with my sister in law, who after 30 years and 3 kids has been deserted for the younger model.

Yes and I felt all abandoned that you were leaving... but, by the tense in your sentence, I can tell you're still here at the moment... which I had wondered the other week.

Pobby wrote: »

Well 23 years down here is 23 years too long. Be really glad to get back to civilisation.

Access to shops and goods and things that most people take for granted

Pobby wrote: »

Thankfully getting my mental health back in order. Been a long and difficult trip. Yet must admit I am so looking forward to getting away from down here.

It gets you down, down here, when you don't have the income to enjoy the lifestyle they all bang on about .... because it's a very isolating experience. It's very isolated down here.... especially when surrounded by 100,000 happy tourists having fun all over the place.

Pobby wrote: »

I have known my sis in in law from a kid and she looks on me as the older brother and her 3 kids are my God children and we are close. Going to sell here and selling her place and buying something that will do for 3 of us and her youngest. As long as I can have a decent shed so I can set up my keyboards and computer and not having 2 ladies moaning about empty beer cans, I will be happy.

Every man should have a shed. You can get some bl00dy lovely ones these days too.

Pobby wrote: »

Already networking for a couple of days work a week up there and looks well easy.

Like you PN. would really welcome some return on my savings. A likely story. Hope you guys are Ok and will talk soon.

We miss you pobbly woo

Wheezy_2

sss555s wrote: »

I love high heels, platforms, painted nails and nice dresses

And I always thought sss555s was male :doh:

chewmylegoff

lostinrates wrote: »

Not killed, but questioned.....so your gf IS meant to do the laundary now? I thought she wasn't neant to because of the passport thing?

she should wash everything except for the jeans in which i keep my passport / car keys.

seriously, it's quite straightforward, i really don't understand why i am having to explain this...

chewmylegoff

Wheezy wrote: »

And I always thought sss555s was male :doh:

and a lumberjack by the sounds of it.

chewmylegoff

PasturesNew wrote: »

No idea what that means.... but as you were trying to play the system and your posting ended in an angry face, I'm guessing you were hoisted by your own petard.

I won't be paying any tax this year, didn't earn enough. It'll probably work out at £4-5k ... and that's without any expenses as I've not had expenses this year that could be put against what I do.

make sure you claim back the 20% tax that will have been deducted at source on bank interest then (assuming you're not already receiving it gross).

GDB2222

PasturesNew wrote: »

and that's without any expenses as I've not had expenses this year that could be put against what I do.

Use of home as office = a few hundred? Capital depreciation on your PC? Broadband?

lostinrates

GDB2222 wrote: »

Use of home as office = a few hundred? Capital depreciation on your PC? Broadband?

I am confused about how every thing will work for small businesses now a a result of yesterday.

LydiaJ

Wheezy wrote: »

And I always thought sss555s was male :doh:

I'm fairly sure he is. I think the thing about not getting the chance to wear heels and makeup as often as Dave does was a joke.

lostinrates wrote: »

Sgh, dh is annoyingly enthusiastic aout everything.

My parents call him'mr amazing' not just coz he is, but because its the thing he is most likely to say, whether its a shooting star or a really good cuppa tea, a beautiful ocean or a charming puddle. He is easilypleased, which somehow makes pleasing him seem harder!

Please believe me, if you spent a single day being married to an unpleasable husband, you'd be happy to switch back to the easily pleased kind, and put up with the difficulty of finding something truly special for him.