hazellend
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Post by hazellend on Feb 20, 2023 18:57:49 GMT
We are proud to announce .....
Doesn't sound like the terminology of somebody who regrets their forthcoming action.
It’s because the strikes are required to save the NHS. Difficult for doctors to do but they have to.
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hazellend
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Post by hazellend on Feb 20, 2023 18:55:10 GMT
My mums had yet another heart attack and has been in hospital a while. Finally Doctor allowed her to go home on friday 10am. She got out this morning, 3 days to wait on the hospital pharmacy sorting g her numerous pills. So 3 days sat blocking a bed due to poor management, scale this up and you can see why hospitals may be fuller than they should be. How come I can see this but some fancy overpaid consultant cant! Get a grip please for the sake of the patients and NHS as a whole. Sorry to hear about your mum. What do you think the consultant should have done about the medicines delay? It’s nothing to do with them.
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hazellend
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Post by hazellend on Feb 10, 2023 13:49:52 GMT
You don’t get extra for delaying your state pension. It’s just an actuarial increase to account for the fact you will take it for fewer years. It used to be 10% but now it’s a neutral 5%. That’s my understanding anyway
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hazellend
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Post by hazellend on Feb 9, 2023 14:49:58 GMT
For a start private housing should have a minimum standard the same as social housing, which is much higher quality Can you give an example of that? Any new build social housing in Scotland has bigger rooms, nicer exterior appearance, better trim (e.g charcoal windows instead of plain white). Also, the houses/blocks of flats aren’t crammed into a plot like sardines, as seen with most private housing.
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hazellend
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Post by hazellend on Feb 8, 2023 16:28:37 GMT
For a start private housing should have a minimum standard the same as social housing, which is much higher quality
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hazellend
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Post by hazellend on Jan 26, 2023 16:49:16 GMT
Depends if you think financial independence or reliance on the state is more important Obviously the former, which is one reason why the reforms advocated in the paper would be a good idea. The ISA tax break is just as much government spending as handouts are. Why should the relatively well off (already financially independent or well on the way to being so) be sponging off the state? Help to Save, which the paper favours, is about spending money where it is needed: helping those who find it difficult to save anything at all, and getting them into the savings habit. ISAs over a modest level are a waste of government money. I’m a bit dubious of help to save. Don’t people lose entitlement to benefits once they have 16k of non pension savings?
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hazellend
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Post by hazellend on Jan 24, 2023 14:08:48 GMT
...Why you feel that prudent workers who do not blow their money on beer and skittles suddenly become 'Middle Class' because they have managed to save something and hold on to it ?... I don't. I should not have said "middle class tax subsidy". Just "tax subsidy" would have done. Sorry. The fact remains that ISAs in their present form are a grossly distorting tax subsidy that have grown far too big. Depends if you think financial independence or reliance on the state is more important
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hazellend
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Post by hazellend on Dec 18, 2022 18:17:10 GMT
Just fire sale the thing.
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hazellend
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Post by hazellend on Dec 3, 2022 9:30:47 GMT
What the heck happened here? I cashed out at the beginning because I realised how incompetent PM were at property but I got about 70p to the pound which was apparently a 20-30% discount on the 30 day value of the properties. How can it be possible to only get 20p in the pound.
We all know the answer, it’s a scam. A scam that pays a few people excessively well but the majority get nothing.
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hazellend
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Post by hazellend on Oct 1, 2022 12:50:37 GMT
This is from the FT. Hardly a font of left wing extremism. Saw that. To be fair, reducing each party's policies to a single number you can plot on a line seems pretty arbitrary, especially across different countries. I mean, are the US Republicans really less to the right than the UK Conservatives when it comes to e.g. the health service? Tories are practically socialists compared to republicans, so the chart is nonsense.
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hazellend
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Post by hazellend on Oct 1, 2022 9:20:03 GMT
63% in Scotland. I basically decline any work that takes me above 100k because I find the tax rate demotivating. If you're earning £100k/year pre-tax, then in round numbers, that's about £400/working day if you were to work every normal working day. If you've got time to work more, then I assume it's more like £500/day. From that £100k, you'll take home about £64.5k after tax, so that's about £320/day left out of your £500. If you're deciding to turn down an extra day's work because you'll only earn £185 after tax for it instead of your usual £320, then... Many people are turning it down for this reason. If you have a group of professionals who you desperately need to do extra work, on top of their full time jobs, it makes no sense to have any psychological barriers to them doing that.
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hazellend
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Post by hazellend on Oct 1, 2022 8:50:56 GMT
... A final point - the worst aspect of the tax system that distorts behaviour even more is the withdrawal of the personal allowance between £100K and £125K. This means that the marginal rate at that income was 63.25% - will now be 62%. So it is strictly speaking wrong to say that 45%(47%) is the highest tax band. The UK currently has the 4th highest marginal tax rates in the world, both the lowest rate (32%) and the highest rate (63.25%). en.wikipedia.org/wiki/List_of_countries_by_tax_rates This point is one I was going to also make: namely that if the terrible twins really want to make tax changes to help remove disincentives, then it's the marginal 60% income tax rate they should have been tackling. It is far less headline grabbing (and therefore far more palatable in the current situation), likely to have more real impact in terms of removing disincentives caused by income tax, can be pitched as a more 'techinical' change than abolition of the additional rate band, and revenue loss could be offset (if they had wanted to which clearly they don't) by adjustments to the additional rate (e.g. even lowering the starting rate on it). I don't think anyone has been particularly 'disincentivised' to earn by the 45 (47%) rate but they have by the 60 (62%) rate if they are likely to have their earnings fall within that band or only just nudge into the additional rate. 63% in Scotland. I basically decline any work that takes me above 100k because I find the tax rate demotivating. They should have done away with the 60% stealth tax and put the 45% tax to 100k upwards, in the first instance anyway. In the U.K. higher earners are reviled, even if they do a very important job. In this country we would prefer they don’t do much needed work, than earn more.
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hazellend
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Post by hazellend on Oct 1, 2022 8:45:23 GMT
Last night, at a party, two friends, both retired civil servants, told us all that they were not worried because their pension was gold plated.
tick tick
"of course with this government they could cut that back"
sudden panic of 2 people
They could try to cut back but it would be illegal and taken to court to be successfully defended. For public sector pensions staff pay 30% of their pay package throughout their careers, you can’t just steal that. Presumably they would also have to repay any DB annual allowance exceeding tax charges, which staff have little control over. It’s basically fear mongering to suggest it and I take issue because I have seen some junior colleagues opt out of their DB pensions due to this paranoia, and losing out on extremely valuable benefits.
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hazellend
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Post by hazellend on Aug 7, 2022 12:49:14 GMT
Anybody know what’s happening here? Cant it just be auctioned off? Have you looked at this weeks update? Thanks. Missed that. And when I logged in I had a 25% capital repayment for holiday park.
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hazellend
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Post by hazellend on Aug 6, 2022 9:05:06 GMT
Anybody know what’s happening here? Cant it just be auctioned off?
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