Strokes Posted 28 December 2017 Posted 28 December 2017 2 hours ago, Buce said: That's tough, and I have nothing but admiration for you for getting back on your feet, but it's slightly disingenuous to say you had no help, then. Many people don't have even that option. We would have got a home, I had enough for a rent deposit and a month up front but they were going so fast. We would arrange a viewing and they were gone before we turned up. That money gave us enough to buy but I couldn’t be on the mortgage at the time as I was fighting against bankruptcy. Fortunately my debtors settled enough to cover my creditors but there was none left for us, despite the business being owed over £45,000 more than it owed out. My main gripe is, I was screwed by a big business changing payment terms, holding money back and putting me over a barrel but where were this wonderful utopian labour government we keep talking about? It was the inland revenue that pulled the plug on me and froze my accounts. I don’t blame them but let’s not pretend the little man doesn’t get fùcked over regardless of who is in charge. I will go self employed again but I won’t run contracts like that again, certainly not under terms like that. It was foolish and it was that foolishness that cost me, not anybody else. There is so much more detail I could add but I don’t really have the time or inclination, the past is in the past. I’m happy and healthy and for the first time in my life not overworked all the time but if I do ever see that **** that took advantage of my naivety, I’ll put him in a box. 1
Guest Posted 28 December 2017 Posted 28 December 2017 31 minutes ago, Strokes said: We would have got a home, I had enough for a rent deposit and a month up front but they were going so fast. We would arrange a viewing and they were gone before we turned up. That money gave us enough to buy but I couldn’t be on the mortgage at the time as I was fighting against bankruptcy. Fortunately my debtors settled enough to cover my creditors but there was none left for us, despite the business being owed over £45,000 more than it owed out. My main gripe is, I was screwed by a big business changing payment terms, holding money back and putting me over a barrel but where were this wonderful utopian labour government we keep talking about? It was the inland revenue that pulled the plug on me and froze my accounts. I don’t blame them but let’s not pretend the little man doesn’t get fùcked over regardless of who is in charge. I will go self employed again but I won’t run contracts like that again, certainly not under terms like that. It was foolish and it was that foolishness that cost me, not anybody else. There is so much more detail I could add but I don’t really have the time or inclination, the past is in the past. I’m happy and healthy and for the first time in my life not overworked all the time but if I do ever see that **** that took advantage of my naivety, I’ll put him in a box. Sounds harsh mate. That specific issue - companies not paying bills to smaller companies on time is an issue specifically discussed by the current Labour party. I don't suppose you want to hear that but it is true. Glad you got through it though.
Buce Posted 28 December 2017 Posted 28 December 2017 52 minutes ago, Strokes said: We would have got a home, I had enough for a rent deposit and a month up front but they were going so fast. We would arrange a viewing and they were gone before we turned up. That money gave us enough to buy but I couldn’t be on the mortgage at the time as I was fighting against bankruptcy. Fortunately my debtors settled enough to cover my creditors but there was none left for us, despite the business being owed over £45,000 more than it owed out. My main gripe is, I was screwed by a big business changing payment terms, holding money back and putting me over a barrel but where were this wonderful utopian labour government we keep talking about? It was the inland revenue that pulled the plug on me and froze my accounts. I don’t blame them but let’s not pretend the little man doesn’t get fùcked over regardless of who is in charge. I will go self employed again but I won’t run contracts like that again, certainly not under terms like that. It was foolish and it was that foolishness that cost me, not anybody else. There is so much more detail I could add but I don’t really have the time or inclination, the past is in the past. I’m happy and healthy and for the first time in my life not overworked all the time but if I do ever see that **** that took advantage of my naivety, I’ll put him in a box. Wow, that's rough, mate - kudos for rebuilding your life. I will just add, though, the party of Blair and Brown is not the party of Corbyn (at least I hope not).
Strokes Posted 28 December 2017 Posted 28 December 2017 38 minutes ago, toddybad said: Sounds harsh mate. That specific issue - companies not paying bills to smaller companies on time is an issue specifically discussed by the current Labour party. I don't suppose you want to hear that but it is true. Glad you got through it though. It happens mate, I was a fool. They filled the order book and the alarm bells should have rang when they changed the payment terms the first time. I was paying subcontractors on 7 days after invoice, they would pay me 30 days, then 60 days, then 90 days. Then bang, they started holding money back on jobs and I was in too deep. Tbf I wouldn’t change any of it for the world, I was a spoilt twat who had got lucky. I didn’t appreciate the things right in front of my nose, money matters far less than self worth, health and family.
Strokes Posted 28 December 2017 Posted 28 December 2017 (edited) 31 minutes ago, Buce said: Wow, that's rough, mate - kudos for rebuilding your life. I will just add, though, the party of Blair and Brown is not the party of Corbyn (at least I hope not). Maybe so but this government has worked out ok for me so far and I’m reluctant (sometimes against my instincts) to vote against it, even if I can’t vote for it. Edited 28 December 2017 by Strokes
Buce Posted 28 December 2017 Posted 28 December 2017 1 minute ago, Strokes said: Maybe so but this government has worked out ok for me so far and I’m reluctant (sometimes against my instincts) to vote against it, even if I can’t vote for it. I stand by what I've always said about you - you're not a natural Tory.
Strokes Posted 28 December 2017 Posted 28 December 2017 1 minute ago, Buce said: I stand by what I've always said about you - you're not a natural Tory. Kipper?
Buce Posted 28 December 2017 Posted 28 December 2017 1 minute ago, Strokes said: Kipper? Nah. You're not racist enough for that... 1
Strokes Posted 28 December 2017 Posted 28 December 2017 1 hour ago, toddybad said: Sounds harsh mate. That specific issue - companies not paying bills to smaller companies on time is an issue specifically discussed by the current Labour party. I don't suppose you want to hear that but it is true. Glad you got through it though. I hate talking about my life, I don’t want people on here knowing who I am etc but since I’ve cracked and told a story I wouldn’t have normally told. I’ll answer a question honestly that you asked a month or so back that I didn’t at the time. You asked me why I was happy to not pay taxes and why I would seek to avoid tax. When things were bleak for me and the inland revenue came knocking, despite my honesty and intentions, they were brutal. They were happy to take more than was owed in penalties/fines, merciless bastards. So if anyone gets change out of them I’d never shed a tear. I’m still waiting for my rebate from last year though..... 2
Rogstanley Posted 28 December 2017 Posted 28 December 2017 1 hour ago, Strokes said: We would have got a home, I had enough for a rent deposit and a month up front but they were going so fast. We would arrange a viewing and they were gone before we turned up. That money gave us enough to buy but I couldn’t be on the mortgage at the time as I was fighting against bankruptcy. Fortunately my debtors settled enough to cover my creditors but there was none left for us, despite the business being owed over £45,000 more than it owed out. My main gripe is, I was screwed by a big business changing payment terms, holding money back and putting me over a barrel but where were this wonderful utopian labour government we keep talking about? It was the inland revenue that pulled the plug on me and froze my accounts. I don’t blame them but let’s not pretend the little man doesn’t get fùcked over regardless of who is in charge. I will go self employed again but I won’t run contracts like that again, certainly not under terms like that. It was foolish and it was that foolishness that cost me, not anybody else. There is so much more detail I could add but I don’t really have the time or inclination, the past is in the past. I’m happy and healthy and for the first time in my life not overworked all the time but if I do ever see that **** that took advantage of my naivety, I’ll put him in a box. Labour tightened up payment conditions in 2009. Shame it was too late for you to avoid being screwed over by big business, but it's odd to use that as an excuse to vote Tory given the Tories have never done a single thing but help big business screw everybody else over.
Jimothy Posted 28 December 2017 Posted 28 December 2017 8 minutes ago, Strokes said: I hate talking about my life, I don’t want people on here knowing who I am etc but since I’ve cracked and told a story I wouldn’t have normally told. I’ll answer a question honestly that you asked a month or so back that I didn’t at the time. You asked me why I was happy to not pay taxes and why I would seek to avoid tax. When things were bleak for me and the inland revenue came knocking, despite my honesty and intentions, they were brutal. They were happy to take more than was owed in penalties/fines, merciless bastards. So if anyone gets change out of them I’d never shed a tear. I’m still waiting for my rebate from last year though..... I think that's a gripe a lot of people have with the HMRC. Slow to pay back, merciless in demanding money. It's a shame most people I've come across who have seen this from the revenue, don't want to fight for change, don't want to club together and make them act differently, they just want to withhold money from them. Also people think the government waste money but happily vote in successive governments who continue to do so, even this Tory one who are cutting, not saving. They still waste a lot and the areas that matter suffer from harsh cuts. Wanting to not pay the Revenue because they are arseholes when they chase money, and waste the money they do get is like refusing to fuel up your car because it's uses too much fuel and then wondering why it won't move anymore.
Rogstanley Posted 28 December 2017 Posted 28 December 2017 4 hours ago, yorkie1999 said: I honestly think that people who that come out with this sort of stuff are living 20 years behind the times. What can be automated that already hasn’t been automated in this country and in the quantity that requires automation Well according to some, automation is only just getting started.
Strokes Posted 28 December 2017 Posted 28 December 2017 1 minute ago, Rogstanley said: Labour tightened up payment conditions in 2009. Shame it was too late for you to avoid being screwed over by big business, but it's odd to use that as an excuse to vote Tory given the Tories have never done a single thing but help big business screw everybody else over. I’m not using it as an excuse to vote Tory, I didn’t vote for them this year.
Rogstanley Posted 28 December 2017 Posted 28 December 2017 6 hours ago, Strokes said: I dont give a flying **** about inequality, if the lowest and least skilled are earning a living wage, why should it matter what the top are earning. The only way inequality comes into play, is when the lowest cannot afford to live. Despite all the guardian links and graphs to the contrary, i believe the poorest are no worse off than they ever have been. Are robots the new immigrants stealing all our jobs? "Despite all the evidence to the contrary, I believe the complete opposite" is an impossible stance to argue with so... 1 1
Buce Posted 28 December 2017 Posted 28 December 2017 22 minutes ago, Strokes said: I hate talking about my life, I don’t want people on here knowing who I am etc but since I’ve cracked and told a story I wouldn’t have normally told. I’ll answer a question honestly that you asked a month or so back that I didn’t at the time. You asked me why I was happy to not pay taxes and why I would seek to avoid tax. When things were bleak for me and the inland revenue came knocking, despite my honesty and intentions, they were brutal. They were happy to take more than was owed in penalties/fines, merciless bastards. So if anyone gets change out of them I’d never shed a tear. I’m still waiting for my rebate from last year though..... You'll get no argument from me, Strokes. There's a special place in Hell reserved for Tax Inspectors. 1
Strokes Posted 28 December 2017 Posted 28 December 2017 5 minutes ago, Rogstanley said: "Despite all the evidence to the contrary, I believe the complete opposite" is an impossible stance to argue with so... Yeah because the guardian equals all, good one moose.
Rogstanley Posted 28 December 2017 Posted 28 December 2017 (edited) 23 minutes ago, Strokes said: Yeah because the guardian equals all, good one moose. Telegraph: www.telegraph.co.uk/business/2017/07/06/britons-see-fastest-fall-living-standards-since-2011-inflation/amp/ The Times: https://www.thetimes.co.uk/article/prolonged-fall-in-living-standards-since-brexit-vote-5dnqxgqjl FT: https://www.google.co.uk/amp/s/amp.ft.com/content/90c628a4-e715-11e7-97e2-916d4fbac0da Daily Mail: http://www.dailymail.co.uk/news/article-2278100/UK-facing-living-standards-crisis-millions-families-NEVER-finances-recover-economic-downturn.html Economist: https://www.economist.com/news/britain/21709015-not-first-time-relatively-poor-households-who-tended-vote-leave-will-suffer BBC: https://www.google.co.uk/amp/s/www.bbc.co.uk/news/amp/business-42087881 Sky: https://www.google.co.uk/amp/s/news.sky.com/story/amp/britain-on-course-for-longest-fall-in-living-standards-11139742 LSE: https://www.google.co.uk/url?sa=t&source=web&rct=j&url=http://cep.lse.ac.uk/pubs/download/ea036.pdf&ved=0ahUKEwim_rKVn63YAhVnD8AKHfINDas4ChAWCDEwCA&usg=AOvVaw1UCjxXZCKZagwGCAEBcEx8 I could go on and on and on and on providing source after source to back up my views. Question is, can you find a single source to back up yours? Edited 28 December 2017 by Rogstanley 2 1
Guest Posted 28 December 2017 Posted 28 December 2017 38 minutes ago, Strokes said: I’m not using it as an excuse to vote Tory, I didn’t vote for them this year. You see, you're a strange one. You seem to be saying that you didn't vote tory and previously said you were more erring towards labour. From what you've said today it seems perhaps it's concern about whether project fear over labour and the economy is correct is what's stopped you voting for them. But then other times you take really quite right wing and brutal views in relation to society and the people. It's like you have deep rooted tory views but realise they're destructive for society but aren't willing to take a risk on fixing society for others in case it hurts you.
Strokes Posted 28 December 2017 Posted 28 December 2017 2 minutes ago, Rogstanley said: Telegraph: www.telegraph.co.uk/business/2017/07/06/britons-see-fastest-fall-living-standards-since-2011-inflation/amp/ ‘’Wages were up by 1.7pc on the year but prices increased by 1.8pc’’ I’m shocked I didn’t notice. 2 minutes ago, Rogstanley said: The Times: https://www.thetimes.co.uk/article/prolonged-fall-in-living-standards-since-brexit-vote-5dnqxgqjl Paywall 2 minutes ago, Rogstanley said: FT: https://www.google.co.uk/amp/s/amp.ft.com/content/90c628a4-e715-11e7-97e2-916d4fbac0da Paywall 2 minutes ago, Rogstanley said: Daily Mail: http://www.dailymail.co.uk/news/article-2278100/UK-facing-living-standards-crisis-millions-families-NEVER-finances-recover-economic-downturn.html 4 years old. 2 minutes ago, Rogstanley said: Economist: https://www.economist.com/news/britain/21709015-not-first-time-relatively-poor-households-who-tended-vote-leave-will-suffer Paywall 2 minutes ago, Rogstanley said: BBC: https://www.google.co.uk/amp/s/www.bbc.co.uk/news/amp/business-42087881 Forecast, not relevant. 2 minutes ago, Rogstanley said: Sky: https://www.google.co.uk/amp/s/news.sky.com/story/amp/britain-on-course-for-longest-fall-in-living-standards-11139742 Forecast not relevant. 2 minutes ago, Rogstanley said: LSE: https://www.google.co.uk/url?sa=t&source=web&rct=j&url=http://cep.lse.ac.uk/pubs/download/ea036.pdf&ved=0ahUKEwim_rKVn63YAhVnD8AKHfINDas4ChAWCDEwCA&usg=AOvVaw1UCjxXZCKZagwGCAEBcEx8 Low-wage workers have benefited from minimum wage increases, especially the 2016 introduction of the National Living Wage. They have done better than workers higher up the wage distribution, thus leading to a modest decrease in wage inequality. which is all I said tbf. 2 minutes ago, Rogstanley said: I could go on and on and on and on. You might need too. 1
Rogstanley Posted 28 December 2017 Posted 28 December 2017 20 minutes ago, Strokes said: ‘’Wages were up by 1.7pc on the year but prices increased by 1.8pc’’ I’m shocked I didn’t notice. Paywall Paywall 4 years old. Paywall Forecast, not relevant. Forecast not relevant. Low-wage workers have benefited from minimum wage increases, especially the 2016 introduction of the National Living Wage. They have done better than workers higher up the wage distribution, thus leading to a modest decrease in wage inequality. which is all I said tbf. You might need too. The BBC one is not a forecast. Paywalls don't stop you reading the headlines. The daily mail don't seem to have reported on living standards for four years no, but the idea of posting that was to show that even the most bias newspaper around hasn't even ignored the issue. Living standards for the many have fallen dramatically under this government and are continuing to fall. Some call it the worst fall since the mid-1800's or since records began, others being generous just describe it as a severe fall but either way, nobody argues that they haven't fallen.
Webbo Posted 28 December 2017 Posted 28 December 2017 8 minutes ago, Rogstanley said: Living standards for the many have fallen dramatically under this government and are continuing to fall. Some call it the worst fall since the mid-1800's or since records began, others being generous just describe it as a severe fall but either way, nobody argues that they haven't fallen. http://www.independent.co.uk/news/business/news/uk-salaries-less-wages-down-inequality-ons-statistics-a7381671.html Quote Wages for average UK workers are less than they were 12 years ago shocking official figures revealed today. The gender pay gap also remains stubbornly high, data from the Office of National Statistics showed. The median full-time worker is now paid £539 per week (£28,028 a year), less than the £555 per week they earned in 2004, after taking inflation into account. Despite a 1.9 per cent salary increase this year, annual average earnigs in 2016 are still around £1,600 less than their 2009 peak. Earnings for the lowest paid rose 5.9 per cent, faster than any other group last year, meaning wage inequality decreased slightly. The ONS said this was a result of the introduction of the National Living Wage on 1 April. So were £16 a week worse off after inflation is taken into account, which by my reckoning is less than 3%. Not great but hardly dramatic. The wages of the lowest paid have increased beyond inflation so you have nothing to complain about there. Unemployment has also fallen from 7.6% in 2010 to 4.3% today so there are 100s of thousands of people in work now that are better off than they were. You pretend all you like, things aint that bad. 1
Strokes Posted 28 December 2017 Posted 28 December 2017 11 minutes ago, Rogstanley said: The BBC one is not a forecast. Paywalls don't stop you reading the headlines. The daily mail don't seem to have reported on living standards for four years no, but the idea of posting that was to show that even the most bias newspaper around hasn't even ignored the issue. Living standards for the many have fallen dramatically under this government and are continuing to fall. Some call it the worst fall since the mid-1800's or since records began, others being generous just describe it as a severe fall but either way, nobody argues that they haven't fallen. I don’t see any decline of note, maybe you do. Nothing in those articles shows any huge swing, mostly stagnation. If I can’t read the full article, how can I get the full story? The bbc article is commenting on forecasts, it’s not relevant to me seeing that things haven’t gotten worse over Guardian graphs. You've had a mare, all you’ve done so far is backed up my opinion. Unless you can copy and paste those behind a paywall, I can’t see what you have offered.
Rogstanley Posted 28 December 2017 Posted 28 December 2017 4 minutes ago, Webbo said: http://www.independent.co.uk/news/business/news/uk-salaries-less-wages-down-inequality-ons-statistics-a7381671.html So were £16 a week worse off after inflation is taken into account, which by my reckoning is less than 3%. Not great but hardly dramatic. The wages of the lowest paid have increased beyond inflation so you have nothing to complain about there. Unemployment has also fallen from 7.6% in 2010 to 4.3% today so there are 100s of thousands of people in work now that are better off than they were. You pretend all you like, things aint that bad. Depends how you define "bad" doesn't it. It's the worst fall in living standards since records began, if that's not bad then what is? Wages haven't increased for a decade and are still falling, if that's not bad then what is? Homelessness on the increase, home ownership at historic lows, if that's not bad then what is?
Rogstanley Posted 28 December 2017 Posted 28 December 2017 2 minutes ago, Strokes said: I don’t see any decline of note, maybe you do. Nothing in those articles shows any huge swing, mostly stagnation. If I can’t read the full article, how can I get the full story? The bbc article is commenting on forecasts, it’s not relevant to me seeing that things haven’t gotten worse over Guardian graphs. You've had a mare, all you’ve done so far is backed up my opinion. Unless you can copy and paste those behind a paywall, I can’t see what you have offered.
Webbo Posted 28 December 2017 Posted 28 December 2017 1 minute ago, Rogstanley said: Depends how you define "bad" doesn't it. It's the worst fall in living standards since records began, if that's not bad then what is? Wages haven't increased for a decade and are still falling, if that's not bad then what is? Homelessness on the increase, home ownership at historic lows, if that's not bad then what is? It's not good, that's why we voted for brexit.
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