Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #401
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    Default Re: Thoughts in your day

    Why do I feel guilty? hope my baby did not suffer, it happened so fast, so lost now, too quiet and other dog keeps looking for him.


  2. #402
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    Quote Originally Posted by snowdragon View Post
    Why do I feel guilty? hope my baby did not suffer, it happened so fast, so lost now, too quiet and other dog keeps looking for him.
    he wont have suffered

    i felt the same when my cat went, but he knew what it was at the time

    he could barely breathe but as soon as that needle went in he started purring and i swear he was trying to get up to headbutt me the way he used to before it kicked in

    that last thing i made sure i did before i buried him was finish that headbutt he started


  3. #403
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    Default Re: Thoughts in your day

    Really interesting YT video on the Economies of Airline classes



    Airlines make much more from business class and first, with economy really just filling the plane up.


  4. #404
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    Default Re: Thoughts in your day

    A bit long, but even for republicans there are some poignant thoughts raised both in the article and almost certainly in any inquisitive and observant mind considering some of the points within

    https://www.theguardian.com/uk-news/...-london-bridge


  5. #405
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    Default Re: Thoughts in your day

    Great thoughts everyone

    I listen to radio tunes daily and I hear lines in songs which make you grin for many reasons.

    I'm going to start posting lines from songs now and then and see if you can guess song More likely to be known mainstream songs

    Here's first 'Jennifer Alison Phillipa Sue Deborah Annabel too'


  6. #406
    Site Team honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13 Authoritative honeybee13's Avatar



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    Default Re: Thoughts in your day

    I can hear it in my head, determindator, but I can't think of the title.

    Trying not to cheat and google it.

    HB


  7. #407
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    I'll wait a bit then


  8. #408
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    Default Re: Thoughts in your day

    Mambo Number 5?


  9. #409
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    I remember that well

    No to Mambo though


  10. #410
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    significantly more? 2% at present self employed dont get sickness benefit, holidayicon pay, dont get their allowance for doing jury service, nigh on impossible to claim housing benefit as the rules of proof of income atre so arcane it is impossible to satisfy them, less pension etc. Agreed, the cost of the extra NI to employers is crippling and that affects the wages offered to employees but direct taxes are still about the same as they were back in the mid 1970's when the tax rate was 30%
    The real problem is that NI is just another tax and not what it was set up as back in 1910. It is not rerlated to your pension and it is not for the NHS so what we should all be demanding is to know why it is separate on our pay slips/tax returns. Also the BBC is a tax upon us but their employees are encouraged to make themselves limited companies to avoid paying tax! What next, HMRC freelancers? Even the last DG used a company to minmise his tax bill as he was an "agency" employee- no he wasnt and the HR at the beeb should have been dragged through the courts to explain themselves with that evasion exercise.
    Quote Originally Posted by determindator View Post
    My national Insurance is more than the tax I pay. Will be looking into that. I'd like to know why minimal amounts are paid if you are self employed yet if you are PAYE it is significantly more, even though you earn less money.



  11. #411
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    If my tax is 30% and my NI is more than my tax therefore i'm not paying 2% NI on my wages, must be more than 30% on my wages.

    If you're self employed you have the option to pay more NI contributions to enhance your state pension. If we were all self employed the government would have to wait for a once a year tax divvy to pay for all those public services, apart from the fact those working in the NHS, Police, Fire Service, Waste disposal, Housing etc looking after everyone, so us PAYE paying regularly keep the status quo for those services. Valuable workers. VAT self employed can claim back that tax, PAYE can't. Self employed can off set their taxes. PAYE can't.

    Maybe all workers should set up a company in their name and invoice the company they give their services too.


  12. #412
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    cant believe the political hypocrisy.
    it was likened to mandela on the news. wtf. well mandela never endorsed the killing of civilians.
    (had to post, but shldn't be )


  13. #413
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    Quote Originally Posted by Ford View Post
    cant believe the political hypocrisy.
    it was likened to mandela on the news. well mandela never endorsed the killing of civilians.
    Are you sure about Mandela ? No expert on his ANC activities, but i have heard some that were critical, saying he was not the clean freedom fighter that many believe.


  14. #414
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    Quote Originally Posted by unclebulgaria67 View Post
    Are you sure about Mandela ? No expert on his ANC activities, but i have heard some that were critical, saying he was not the clean freedom fighter that many believe.
    not 100 % obviously, just going by his autob and some historians. seemingly not quite at the same level as mcg.
    and re quite different circumstances. the news' analogy was wrong.
    he was not 'clean' at all, but more of an economic one (blowing up pylons for one eg). as he said himself if you see him as a saint then he is '..not a saint, unless you think of a saint as a sinner who keeps on trying...'


  15. #415
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  16. #416
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    Quote Originally Posted by unclebulgaria67 View Post
    Are you sure about Mandela ? No expert on his ANC activities, but i have heard some that were critical, saying he was not the clean freedom fighter that many believe.

    Its all relative.
    In nazi germany some people rescuing Jews had to lie and cheat and sometimes murder 'the bad guys' (who may often just have been 'following orders' and who believed the lies and propaganda of their leaders ....

    Take Osbourne - 6 jobs - or perhaps should we say 'paid positions' while drawing an MP's salary and expenses ...

    and before anyone says 'yes but we need fewer professional politicians and more with experience in business as MPs ...
    Well, Yes I agree but we need those sort of people who bring that experience and devote full time to politics
    Surely those who claim they can do 6 'jobs' properly simultaneously while claiming 75K + massive expenses as full time politicians are exactly the sort of 'professional politicians' that we already have far too many of.


    http://www.dailymail.co.uk/news/arti....html?ITO=1490


  17. #417
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    Default Re: Thoughts in your day

    9/11 still has its impact. watching the 'lost tapes'


  18. #418
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    your tax isnt 30%, it is 20% on all earings over 11.6k. NI is paid on all of your earnings and the taxable amount includes NI contributuions so you pay tax on your NI tax- like paying VAT on petrol duty. Self employed people can claim back VAT on certain items that they then sell on with VAT added and then only when their turnover is above 83K. They cant claim back VAT on items that are not sold on and if they claim th VAT on fuel for their van for example they pay a different rate of VAT on all of their turnover, not just VATable things so they have to apy the govt tax where it is not due to claim back money they have spent on theior business. you dont have to spend money to pay your employer for your desk or lighting, you dont buy the bog roll at work and then pay VAT on it as a non VATable item.
    Self employed pay tax at the same rate as you do and NI at 8% rather than 10% so they pay 30% in tax on their income above 11.6k, not 32% . Another thing they have to do now is pay tax on account so they have to estimate their income for the year to pay tax on money they arent going to get paid for the next 9 months. would you like it if your boss paid you 3 months pay without deducting tax and then taxed you for the whole year in month 4 and said that was his best guess for the future and the matter will be adjusted in january if it is wrong?
    The PAYE system is rotten but dont blame the self employed for having a slightly different system that looks to be better at first glance but one of the reasons that people become self-employed is because the companies they used to work for decided to lose their services so they now go it alone doing the same sort of thing on an individual basis. How many people are employed in the building trade directly? hardly any and that means little training opportunities for the young. the brickies, sparks etc are still in work but with no security of tenure and that saves the employer money, it doesnt benefit the individual much and loses the govt needed NI revenue (mostly from the loss of the employers contributions). I work part time in education on zero hours contracts so dont pay NI as my hours arent enough at any paticular place to get over the threshold. Even full time teachers are now being offered posts where they dont get paid for the whole year, just 38 weeks. Who would be a maths teacher in a sink school with that as an incentive? 6 weeks compulsory unpaid leave in the summer? lovely. I know some who spend their time working as stewards at sporting events or fruit picking. They still have their pupil assessments to do for the coming year and all of the other adminicon/lesson planning etc but they just dont get paid for it.
    Quote Originally Posted by determindator View Post
    If my tax is 30% and my NI is more than my tax therefore i'm not paying 2% NI on my wages, must be more than 30% on my wages.

    If you're self employed you have the option to pay more NI contributions to enhance your state pension. If we were all self employed the government would have to wait for a once a year tax divvy to pay for all those public services, apart from the fact those working in the NHS, Police, Fire Service, Waste disposal, Housing etc looking after everyone, so us PAYE paying regularly keep the status quo for those services. Valuable workers. VAT self employed can claim back that tax, PAYE can't. Self employed can off set their taxes. PAYE can't.

    Maybe all workers should set up a company in their name and invoice the company they give their services too.



  19. #419
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    Quote Originally Posted by ericsbrother View Post
    your tax isnt 30%, it is 20% on all earnings over 11.6k.

    I know what you mean Ford, but you shouldn't leave out council tax
    (or water tax really as there is no competition and no choice)

    Last year my council Tax and water tax was about 15% of my gross income (income was small but no benefits as I have savings).


  20. #420
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    Quote Originally Posted by tobyjugg2 View Post
    I know what you mean Ford, but you shouldn't leave out council tax
    (or water tax really as there is no competition and no choice)

    Last year my council Tax and water tax was about 15% of my gross income (income was small but no benefits as I have savings).
    'Ford' ?



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