Were all in this together

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:oops: My mistake it was henry the fifth not the fourth :oops: Thomas netter de-walden......I did not have the family tree infront of me :lol: :lol:
 
the recession was mainly caused by banks lending too much money .

and on the subject of self employed , it is a status with not many checks , quite easy to forget to declare some cash payments etc....
so when things goes well , make a lot of money , dont pay too many taxes , when things dont go so well , pay same amount of tax , but so much cash coming in . unfortunately , you cant win all the time .
 
I have been self employed for years and have been "checked" on more than one occasion so it is not so easy as you think and not worth the risk of non declaring in my opinion,the penalties are greater than the reward.
 
I must be IDB but 10 years younger :)

I don't want to moan about my lot and am not really after any sympathy if we have to pay we have to pay but I think it should be done in an equal way.

I was going to say I know 2 people that have milked the benefits system for all it's worth and they manage to live in a nicer or bigger house than mine and not work at all, they have everything I have and not work at all, this not cause they can't, it's cause they are lazy wastes of space, they claim benefits that total in the 10's of thousands a year and do not contribute a bean. They should be forced back to work taking anything they can.
Now if they cannot afford to work just reduce the benefit in line witrh what they earn then they don't lose anything but the country saves something and they start to contribute, it's win win. If they refuse to work deduct what they could earn from their benefits (ie minimum wage for a 38 hour week) and let them struggle on that. I have a 3rd friend also on benefits through no fault of her own and she would happily go for a scheme like this as she want's to go to work.

One last thing people like Fred Goodwin who was ultimately responsible for the collapse of RBS should have been stripped of his assets and put in prison as at the end of the day he was the man at the top.

They say you shouldn't talk politics or religion with friends and family so I think I will get off now hopefully before I alienate anyone.

Carl.
 
marin man":5xejixdc said:
I dont think the royals are going anywhere and in my opinion we should return to an absolute monarchy......that would sort out a few things I tell thee :wink: :lol: :lol:
I always wondered if you might be slightly right wing... :lol:
 
suburbanreuben":2glwdv0z said:
marin man":2glwdv0z said:
I dont think the royals are going anywhere and in my opinion we should return to an absolute monarchy......that would sort out a few things I tell thee :wink: :lol: :lol:
I always wondered if you might be slightly right wing... :lol:

Whatever gave you that idea :? :lol: :lol:
 
cchris2lou":2pvvugac said:
the recession was mainly caused by banks lending too much money .

and on the subject of self employed , it is a status with not many checks , quite easy to forget to declare some cash payments etc....
so when things goes well , make a lot of money , dont pay too many taxes , when things dont go so well , pay same amount of tax , but so much cash coming in . unfortunately , you cant win all the time .
Having been investigated by the Inland Revenue, I can tell you it isn't worth trying to diddle the Taxman. They examine your affairs with a fine toothcomb. If you usually withdrawer £100 a week, say, from the cashpoint, then one week take out nothing, you'd better have a good reason why, even if it's 5 years ago.
Of course , if you're raking in so much that you can stick a large amount under the mattress/ offshore etc, it's easier. :roll:
Not to mention no holiday pay, employer pension contributions, or sick pay. Having, due to ill health, only worked for 9 months in the last 3 years, I've claimed ESA for the last 6 months, since we're lucky enough to have some savings. These however are too great for us to receive housing benefit . We won't qualify until we've whittled our life savings down to £16,000. If we lived in Scotland, though, we'd get help once our savings reached £22,000. How is that fair? :? Why are we not allowed a referendum on Scottish independence? :wink:
 
drcarlos":spfb0a77 said:
Neil G":spfb0a77 said:
drcarlos":spfb0a77 said:
To work in the industry I am in I have had to live in the south in one of the most expensive areas in the country. Before I have even started my mortgage take 1/3 of my take home salary, we only live in modest 3 bed house.
I should say that it's only recently I have had that salary (like 1 month) before i was in the mid 40's, but once my car and pension (never had one before but I am thinking i need to have something if I live beyond retirement age) come out of my salary I will be back down to a similar figure.
I will be looking to move to a cheaper area with this new job as i can work from anywhere that has broadband so maybe things will get easier.
I can tell you with 2 kids and a modest house you do not live the highlife on 45k a year.

Carl.

Sorry but no sympathy here either....I live a VERY expensive area in a 3 bed house on less than half that (one income)! Just think how much disposable income I get a month!

You don't give any circumstances, for all I know you have no kids and no mortgage. You could quite happily live on half my earnings in my area with neither.

Carl.

Apologies

I do have no kids but had to find 1k a month myself to pay for my mortgage bills etc. The house is mine though and I've spent savings on it so that's something good out of the situation.

Since splitting with my other half, having to manage a building project and deal with all the legal BS this summer I am happy to have so little now....life is kind of simple and I'm not saddled with any commitments anymore which means I can do the things I like more and when I want. IMO that's more important now than anything.
 
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