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Effect of Coronavirus


faraway saint
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3 minutes ago, Yflab said:

Maybe more people should follow these simple guidelines to financial independence.....

1. Avoid Debt;

2. Spend less than you earn;

3. Invest the difference.

My kids are nearing the end of their school education and not once have they been taught basic financial education regarding items like PAYE Taxes, National Insurance, Pensions, Benefits system, Mortgages, Credit Cards, Loans, Interest repayments, etc.

They can however list all the nicknames for class A, B and C drugs as well as understanding all the different genders and religious festivals around the world.

It rips ma knitting so it does seeing so many people lumbered with mortgages they can’t afford, loans that they struggle with repayments, credit card debts with enormous interest penalties. Don’t even get me started on the people who get sucked into long contracts for mobile phones and TV-Broadband deals.

When they lose their jobs or suffer ill health all these companies will want their pound of flesh. It’s frightening to think that Britons owe so much in consumer debt.

Total household debt in Great Britain was £1.28 trillion in April 2016 to March 2018, of which £119 billion (9%) was financial debt and £1.16 trillion (91%) was property debt (mortgages and equity release).

Maybe I should've posted a link to the whole article where he says that Covid's financial winners banked £100 billion between March & September by savings made from working at home coupled with spending less on holidays, social activities etc...

UK public's £100bn Covid savings could help recovery, says Haldane | Business | The Guardian

The idea of raising taxes remains a remote possibility, so harden your hearts as we head into Austerity2!

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  • 1 month later...

Ultimate kick in the teeth - Debenham's sold to a business complicit in not paying it's workers the minimum wage and undermining safe working practices during the pandemic? Yup we're certainly all in it together...

Debenhams shops to close permanently after Boohoo deal - BBC News

Quote

Fashion retailer Boohoo has bought the Debenhams brand and website for £55m.

However, it will not take on any of the firm's remaining 118 High Street stores or its workforce.

 

Edited by Bud the Baker
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7 minutes ago, Bud the Baker said:

Ultimate kick in the teeth - Debenham's sold to a business complicit in not paying it's workers the minimum wage and undermining safe working practices during the pandemic? Yup we're certainly all in it together...

Debenhams shops to close permanently after Boohoo deal - BBC News

 

f**k Debenhams. 15 stores in Scotland but not in the biggest town. 

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1 minute ago, Eric Arthur Blair said:

f**k Debenhams. 15 stores in Scotland but not in the biggest town. 

I remember buying a Christmas pressie in there a few years ago (quite a few years now I guess) and the checkout girl commented on my St. Mirren tammy - I asked if she was a Saints fan, there's quite a few in Ayr, she said no but that she was a Steven Thompson fan...:cloud9

I guess it would just've been after he started doing commentaries on't Telly.

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20 year interest free loan of £1M available.
 
 
Cool.

Take the £1m, put it in an interest paying account, after 20 years the loan is paid but we still have all the interest which due to inflation, may be enough to buy a bar of soap for Greenock to share.

You know it makes sense.
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6 hours ago, Slarti said:

Cool.

Take the £1m, put it in an interest paying account, after 20 years the loan is paid but we still have all the interest which due to inflation, may be enough to buy a bar of soap for Greenock to share.

You know it makes sense.

Do I need to give you a lesson in morals young man?

You've got enough to say about "Tory cunts".

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4 hours ago, oaksoft said:

Do I need to give you a lesson in morals young man?

You've got enough to say about "Tory cunts".

From a guy that thinks it's morally right that drug dealers should be imprisoned for life and given zero opportunity for rehabilitation or to contribute to society again. :whistle 

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6 hours ago, Slarti said:
9 hours ago, oaksoft said:
Do I need to give you a lesson in morals young man?
You've got enough to say about "Tory cunts".

I don't believe that I have ever used that phrase on this site. I mean, they are, but I just don't think that I've ever said so.

I don't recall you using that phrase either.

Another sign he's losing the plot. 

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On 12/7/2020 at 10:21 AM, Bud the Baker said:

We're all in it togrther...

 

The policies that *you* support are the cause of this.

Your support of a middle class left driven lockdown which protects the well off while throwing the poor, the elderly and the vulnerable was bound to end like this.

And the great tragedy is that’s it’s killing people who had years to live while saving no-one.

Your virtue, their death. 

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The policies that *you* support are the cause of this.
Your support of a middle class left driven lockdown which protects the well off while throwing the poor, the elderly and the vulnerable was bound to end like this.
And the great tragedy is that’s it’s killing people who had years to live while saving no-one.
Your virtue, their death. 


Where did they throw them?

Quarantine doesn't protect anyone?

Mmmmmm, has someone been sampling from the sherry cupboard.
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  • 2 weeks later...
  • 4 months later...
On 12/7/2020 at 6:44 PM, Yflab said:

Maybe more people should follow these simple guidelines to financial independence.....

1. Avoid Debt;

2. Spend less than you earn;

3. Invest the difference.

My kids are nearing the end of their school education and not once have they been taught basic financial education regarding items like PAYE Taxes, National Insurance, Pensions, Benefits system, Mortgages, Credit Cards, Loans, Interest repayments, etc.

They can however list all the nicknames for class A, B and C drugs as well as understanding all the different genders and religious festivals around the world.

It rips ma knitting so it does seeing so many people lumbered with mortgages they can’t afford, loans that they struggle with repayments, credit card debts with enormous interest penalties. Don’t even get me started on the people who get sucked into long contracts for mobile phones and TV-Broadband deals.

When they lose their jobs or suffer ill health all these companies will want their pound of flesh. It’s frightening to think that Britons owe so much in consumer debt.

Total household debt in Great Britain was £1.28 trillion in April 2016 to March 2018, of which £119 billion (9%) was financial debt and £1.16 trillion (91%) was property debt (mortgages and equity release).

It is good to listen this but the truth is something else. Due to the COVID many have to take loans from some different financial institutions. I know 3 of my social media friends, who have taken loans from payday loans in MI during this period.

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  • 3 weeks later...

That is a really hard financial period for most people. A lot of people lost their jobs and now they should look for some alternatives, to try new spheres to earn money. I have also changed the sphere of work and this site helped me to find a job in IT. Yeah, that is great difficulty, but I believe that we should just work hard and all will stabilize. Believe in yourself!

Edited by Hizzmann
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13 hours ago, Hizzmann said:

That is a really hard financial period for most people. A lot of people lost their jobs and now they should look for some alternatives, to try new spheres to earn money. I have also changed the sphere of work and this site helped me to find a job in IT. Yeah, that is great difficulty, but I believe that we should just work hard and all will stabilize. Believe in yourself!

Are you guys all working out of the same office?

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  • 3 weeks later...

Last week we were on a wee break and the owners of the cottage left specific instructions, due to covid, we were to strip the beds and places everything in bags provided.

Having a laugh.

This week we're off on a similar break but these clowns are even worse.

Firstly, not covid related but worth a mention, they only provide ONE toilet roll, yet charge eye watering prices, for a 5 day/4 night break.

Similar to last we we've to remove the bed sheets etc, but, get this, if we don't they charge us £20.

No fecking £20 reduction for DOING their job.

This has been on the cards since last year, USING covid unnecessarily, never mind the hiking up on prices.

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Faraway, I think you will find that it's a recommendation from the Scottish Government rather than a way to hike the prices.  It's to protect cleaning staff or similar as most property owners live miles away from the property and use locals to do the service changeover.  We've already been on four self catering breaks and they all had the same instructions, two referred to "In line with Scottish Government guidelines".  If you were a regular self catering user (OOH Matron) you would have realised they haven't used Covid as an excuse. They've just put up the prices because they could, and by quite a bit at that.  :zorro

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20 minutes ago, rabuddies said:

Faraway, I think you will find that it's a recommendation from the Scottish Government rather than a way to hike the prices.  It's to protect cleaning staff or similar as most property owners live miles away from the property and use locals to do the service changeover.  We've already been on four self catering breaks and they all had the same instructions, two referred to "In line with Scottish Government guidelines".  If you were a regular self catering user (OOH Matron) you would have realised they haven't used Covid as an excuse. They've just put up the prices because they could, and by quite a bit at that.  :zorro

I'm not so sure it is as surely hotels would be following this "recommendation" yet we were in Edinburgh a few weeks ago and nothing like this was mentioned.

As for protecting staff, I'm sure suitable PPE would do that job. 

Aye, the prices in Scotland have always been eye watering/overpriced IMO, Dick Turpins relations the lot of them. :zorro

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14 hours ago, faraway saint said:

I'm not so sure it is as surely hotels would be following this "recommendation" yet we were in Edinburgh a few weeks ago and nothing like this was mentioned.

As for protecting staff, I'm sure suitable PPE would do that job. 

Aye, the prices in Scotland have always been eye watering/overpriced IMO, Dick Turpins relations the lot of them. :zorro

FS

 

We let out our cottage and the "recommendation" was/is that the occupants remove their owns sheets and bag it, if I remember correctly it is then not meant to come out of the bags for 48 hours or so....it's a pain in the arse for everyone but our cottage is in a fairly small community and if we failed to comply with the recommendation we wouldn't be able to get cleaners (even worse, we'd be the talk of the steamie!!)

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