THIS NEW BUDGET

[kent_white]

53 minutes ago, Not in Crawley said:

I don't think the public sector are taking the piss, looking at the wages you need to have your bums feelings if you think that.

Maybe not you mate. But there's this underlying sense amongst some private sector folk that the public sector are all on the gravy train! 

[gonzo]

1 hour ago, Not in Crawley said:

We're not scrutinised 'to fuck', we pay what we should.

 

So we are scrutinised to fuck?

I was explaining how things are different now to what they were.

Years ago you could keep your cash and put what you wanted though and jizz all your cash away on cars and holidays.

That's not the case now, as things are miles more scrutinised.

 

[Not in Crawley]

22 minutes ago, kent_white said:

Maybe not you mate. But there's this underlying sense amongst some private sector folk that the public sector are all on the gravy train! 

I'd say its more akin to hopping aboard a thin gruel train.

[Cheese]

46 minutes ago, gonzo said:

So we are scrutinised to fuck?

I was explaining how things are different now to what they were.

Years ago you could keep your cash and put what you wanted though and jizz all your cash away on cars and holidays.

That's not the case now, as things are miles more scrutinised.

Good.

[Not in Crawley]

46 minutes ago, gonzo said:

So we are scrutinised to fuck?

I was explaining how things are different now to what they were.

Years ago you could keep your cash and put what you wanted though and jizz all your cash away on cars and holidays.

That's not the case now, as things are miles more scrutinised.

 

Well - we do PAYE anyway to make it simplier - as I say, it seems fine to me and we're not scrutinised to fuck - we should pay on what we owe. dead simples, and there are also a few benefits you get that those working for someone else get.

I honestly think its swings and roundabouts. Yes, life was less stressful pulling in a wage in terms of making sure you are always bringing in new clients when you have your own business - there is no way I'd be freelance for all the tea in China, this way means there are also two other people pulling in work. But I haven't got another director or board to run the rule which was sometimes more pain than the clients (plus I haven't got a team to manage that took up time and still do the work)

But the panic of when its looks like a thin month, or something closes early - yup that I could certainly do without. That and never really not working - i've got tomorrow off and thursday and fridat afternoon due to half term - I'll be up at 5, as I was this mornign to clear the decks and then still be checking emails all day and then sorting out stuff tomorrow evening. 

But, I'm not a nurse stuck on a banding who is looking after people's health...swings and roundabouts.

[gonzo]

12 minutes ago, Cheese said:

Good.

Indeed.

 

[gonzo]

7 minutes ago, Not in Crawley said:

Well - we do PAYE anyway to make it simplier - as I say, it seems fine to me and we're not scrutinised to fuck - we should pay on what we owe. dead simples, and there are also a few benefits you get that those working for someone else get.

I honestly think its swings and roundabouts. Yes, life was less stressful pulling in a wage in terms of making sure you are always bringing in new clients when you have your own business - there is no way I'd be freelance for all the tea in China, this way means there are also two other people pulling in work. But I haven't got another director or board to run the rule which was sometimes more pain than the clients (plus I haven't got a team to manage that took up time and still do the work)

But the panic of when its looks like a thin month, or something closes early - yup that I could certainly do without. That and never really not working - i've got tomorrow off and thursday and fridat afternoon due to half term - I'll be up at 5, as I was this mornign to clear the decks and then still be checking emails all day and then sorting out stuff tomorrow evening. 

But, I'm not a nurse stuck on a banding who is looking after people's health...swings and roundabouts.

I'll never work for anyone ever again. 

But I've rapidly realised, bigger isn't always better.

The bigger we got, the more we had to pay out and cover before we earned a penny ourselves. Either through corporation tax, subbie wages, staff, VAT, higher tax rates, commercial water rates etc. 

Chuck a few contracts that don't fancy paying and your cash flow is fucked. Spending nights and weekends chasing payments. You never get the time or value of it back.

Better off just being a little firm without all the bullshit and stress.  Stay under the VAT line and just be a sole trader.

 

 

[Dimron]

6 hours ago, Tonge moor green jacket said:

Why have two taxes?

Merge it with income tax.

Save on administration. 

Oh, and it is a tax. What civilised societies are founded on.

No one objects to it, we all understand how it works.

We just want value for money.

 

I would still like to see two distinct pots, one for general taxation and one as a the replacement for private health insurance and pensions. Keeping it separate just gives me a little confidence that it can be audited but as you say, it all goes into the same piss pot.

Getting rid of NI won't go down with pensioners who have opted to or need to work past retirement age as at that magic age you are exempt from NI but still liable to pay income tax.

I still work at 68 and reducing NI obviously does me no favours, the pegging of thresholds makes me liable for higher rate which is ridiculous... the company would like me to work more days but all i end up doing is pay the extra earned as tax!

[Dimron]

3 hours ago, Ani said:

But Corporation tax is paid out by the company before Gonzo takes his earnings. 
 

If he draws money out that is taxable other than a small amount I think that is tax if taken as dividends. No NI on dividends. 

Usual dodge is (I assume it still is) for small businesses to set up a limited company and the directors pay themselves just below the threshold and take the rest as dividends, therefore exempting themselves from personal NI liability... I suppose the raise in Employers NI rate is a way of compensating this shortfall.

[Lt. Aldo Raine]

Hoyle unhappy, and understandably so

 

[Casino]

Hes put up with it for years

Fwiw, i think theyre shit scared of the markets reaction

[Casino]

On todays news re bus fares, pensioners get free travel, the tories facilitated us getting ripped off by private companies

But

For the sake of 300 million, its crackers

[Spider]

Haven’t we been told for the last few years that Covid and Ukraine need paying for?

Well, it’s time.

Labour need to find some money and recover infrastructure, they have 5 years to prove they can.

And let’s not forget that the bonanza of Brexit is coming any day now with all the milk and honey and that.

Stop flapping you tarts

[Lt. Aldo Raine]

7 minutes ago, Casino said:

Hes put up with it for years

Fwiw, i think theyre shit scared of the markets reaction

He hasn't, to be fair

He's raised it repeatedly, which is about all he can realistically do

[Casino]

Ill put it another way

Its been happening years and no sign of it changing

[London Wanderer]

12 hours ago, kent_white said:

Maybe that's it. The age old problem. That private businesses think the public sector are taking the piss and vice versa? Divide and conquer. 

Ultimately as a country we are a non profit making entity as we need to borrow to even maintain services. We collectively need to put more into the coffers if we want to invest and grow. 

Shit news. Highly unpopular. But true. 

 

spot on 

[Tonge moor green jacket]

14 hours ago, Dimron said:

I would still like to see two distinct pots, one for general taxation and one as a the replacement for private health insurance and pensions. Keeping it separate just gives me a little confidence that it can be audited but as you say, it all goes into the same piss pot.

Getting rid of NI won't go down with pensioners who have opted to or need to work past retirement age as at that magic age you are exempt from NI but still liable to pay income tax.

I still work at 68 and reducing NI obviously does me no favours, the pegging of thresholds makes me liable for higher rate which is ridiculous... the company would like me to work more days but all i end up doing is pay the extra earned as tax!

Replacement for private health?

Are you saying it should be scrapped?

If so, then that's truly bonkers.

As for keeping pots separate; recent years have seen NHS spending above the entire NI take. This year expected to be around even.

Not such a good idea in that case.

Auditing/reviewing/modernising or whatever Wes Streeting does can't come soon enough.

 

 

[Dimron]

7 minutes ago, Tonge moor green jacket said:

Replacement for private health?

Are you saying it should be scrapped?

If so, then that's truly bonkers.

As for keeping pots separate; recent years have seen NHS spending above the entire NI take. This year expected to be around even.

Not such a good idea in that case.

Auditing/reviewing/modernising or whatever Wes Streeting does can't come soon enough.

 

 

Wrong end of the stick there pal... I completely believe in the NHS

My biggest concern is GP practices going the way of dentists

[Spider]

2 minutes ago, Dimron said:

Wrong end of the stick there pal... I completely believe in the NHS

My biggest concern is GP practices going the way of dentists

Never ever going to happen 

[gonzo]

They should charge on entry for A&E and GPs appointments.

You get your money back if there's actually something wrong with you

[frank_spencer]

1 hour ago, gonzo said:

They should charge on entry for A&E and GPs appointments.

You get your money back if there's actually something wrong with you

Some countries do an initial charge for the first appointment (similar amount to our prescription charge) then anything coming from that appointment is free of charge 

[gonzo]

21 minutes ago, frank_spencer said:

Some countries do an initial charge for the first appointment (similar amount to our prescription charge) then anything coming from that appointment is free of charge 

Spent hours in A&E other week with my Dad and it was just full of vagrants on a day out.

[Traf]

Just now, gonzo said:

Spent hours in A&E other week with my Dad and it was just full of vagrants on a day out.

Did you feel at home?

[gonzo]

48 minutes ago, Traf said:

Did you feel at home?

Was a tremendous day out. Warm, dry, free cups of tea and came out with some top drawer pain killers.

[Dimron]

5 hours ago, Spider said:

Never ever going to happen 

I bloody hope not, less chance now labour are in. There are private GP practices near me and I expect everywhere else. Health insurance companies are advertising on line/telephone GP access as part of their policies. 

Don't get me going about dentists... I need a repair (filling) to a couple of teeth, I know i will have to pay but they all want me to subscribe to their "dental health plans" and see their hygienist etc. etc. 

If I scratch my car i take it to the body shop for repairs and don't expect to have to subscribe to a bodywork car plan. I'm a builder and if someone wants me to look at a crack in a wall I don't tell them they have to sign up to my house care plan, i just get on with things and fix/repair it!