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15/03/2017 UPDATE!!!! The Government have done a big u-turn and WILL NOT BE HIKING THE N.I. ON THE 4.8MILLION SELF-EMPLOYED OF THE U.K. Bloody marvellous!! 🙂 🙂

Subsequent to the current Chancellor’s ‘spring budget’ I, along with millions of other self-employed people was dismayed (to say the least) at the increase in NI for the self-employed, 1%…doesn’t sound like much. Except when, as a self-employed person, trying to build a business, generate an income, and having to save for any annual leave you may wish to take, any sick leave you may need, not claiming benefits, and you’re already struggling to make ends meet, that little 1% can/could make all the difference between actually making any money or not, and to quite simply….in many instances just surviving!

I’m more than happy to pay my taxes and I realise the NI is vital to fund our national services like the NHS and to provide a pension pot (not that I can depend on that to survive in my old age). So when I saw the increase I was like ” urgh bugger, another increase, but hey ho, it’s not really that much and I’ll probably have to work an extra 10 days p.a. to cover the increase”. Peeved, yes! Unable to do much about it, no! So well fine then.

Then I happened to watch the speech Theresa May gave about said increase…and was dismayed to realise that once again this was a move to protect big business and tax smaller businesses (and more importantly in this instance; the self-employed) who don’t have the same Government allowable tax-avoiding loopholes and hand-outs that big businesses have the benefit of. That’s my understanding.

“The Prime Minister also said the shift towards self-employment was “eroding the tax base” and making it harder to pay for public services “on which ordinary working families depend”. – try closing the bloody loopholes that allow companies like Facebook, and Amazon, Starbucks and Google et al to avoid paying their fair share of tax on the profits GENERATED IN THE U.K. Then we will have more of a tax base!!!  2.5 million self-employed people is a drop in the ocean. (Apparently its 4.8million)

Consider this for 2016:

There were 31.84 million people in work, 37,000 more than for July to September 2016 and 302,000 more than for a year earlier.

There were 23.29 million people working full-time, 218,000 more than for a year earlier. There were 8.55 million people working part-time, 84,000 more than for a year earlier.

The employment rate (the proportion of people aged from 16 to 64 who were in work) was 74.6%, the highest since comparable records began in 1971.

So how is it that a mere 2.5 million (4.8million) self-employed people are eroding the tax base?

Of course millions of people around the country were just as upset as I, as well as which her MPs were apparently pretty pissed too! (see their subsequent about-turn aka a Political u-turn). But what our PM and Chancellor are forgetting is that the reason the number of self-employed is rising is because those big businesses she wishes to protect have a bad habit of going out of business and leaving people jobless. So instead of signing on to the Benefits system, they’re taking the plunge and starting up their own businesses….in other words they’re being innovative instead of dependent. You’d think this would be encouraged! Innovation is what drives business and the economy after all.

And then!!!! I saw a post on Facebook that one of my ‘friends’ had left!! And my blood-pressure went through the roof!

Why are peeps moaning so much about this TINY national insurance rise for the self employed in the Budget yesterday? If you are self employed and can’t make an extra £300 a year then really you should go back to being an employee“. What.The.Merry.Fuck!??? Is he serious? Does he not realise just how difficult it can be to generate an extra £300…which by the way is not JUST £300 but substantially more when you consider that by generating an extra £300 in your business you also pay more tax, have to attend more networking events, incur extra costs for travel, clothes, advertising/promotional material etc etc. So I replied that ‘I disagree’.

And then I set out why I disagreed!

I’m self-employed. If I work for an agency as an employee I earn less. If I want to earn an extra £300 a year I have to sacrifice what employees take for granted: weekends…ergo I have to work 25 days a month rather than 21…which means I don’t have those 8 days a month called weekends.

Also small businesses (mostly self-employed) face stiff competition from big companies who can cut prices due to tax loopholes that self-employed small businesses don’t have. Besides that, it’s not like big businesses are standing at their doors shouting “we have loads of vacancies, come on in so we can employ you”. Many of the self-employed are people who provide essential services. Many self-employed are stay at home Mums who are trying to make ends meet in a tough environment. They start a small business; ergo self-employed because it’s too expensive for childcare…and why WOULDN’T they want to stay at home with their children?
So…in my opinion ….It’s arrogant to make a sweeping statement of the like you just have. My daughter is self-employed. She works in a very tough environment where people want what she does for FREE. She goes over and above for her clients, sometime making only £30 profit and has to constantly look for new clients due to the fact that other self-employed businesses are also struggling and push prices down, or use interns to manage what needs skilled knowledge…because it’s FREE.
I don’t get any tax breaks. If I work for an agency I earn less. If I work for a bigly company like BHS I’ll be employed and get screwed over by the owners to whom I’ve paid my pension for decades so he can buy £10million boats and live the champagne lifestyle and then when it suits him fuck off without looking back.
So no, it’s not as simple as JUST looking for a job.
Actually the government are fcking idiots. They should be ENCOURAGING people who are at home to be generating an income rather than claiming BENEFITS who the employed bitch about all the time. How do you think Britain got the nom-de-plume BENEFITS BRITAIN? I think it stinks, many self-employed people are innovators through necessity and we NEED innovators rather than just a bunch of sheep who depend on other people to be innovative, start a company and employ other people so that they can pay them shit wages, claim tax loopholes and live the champagne life-style.” End of rant…or so I thought!!! Actually I could have said a lot more….I bit my tongue

And then!!! Some fuckwot who thinks he knows more about my life than I do leaves this comment on the thread of my reply:

“So many victim mentalities… reality is yours to create folks”.

My reply: “MENtality. Hardly victims. Rather, very tightly squeezed“.

And then he comes back at me with: “It’s still a victim mentality if something external of your own being is limiting you.
Have people created a different result? Yes. Therefore you can… you can’t change the tax you can change what you do, so change what you do, don’t moan about something out of your control.
If you’ve taken offence, good, it means its true

Now, firstly I read that as a challenge ‘If you’ve taken offence……’ And suggesting that I’m in victim mode!!! Red flag to a bull!!! (after I am a Taurean!!) LOL

My reply:
T.S., get back up your own arse. Seriously. That’s such a lot of PD bullshit. My job is not limiting me. I provide a vital service. I happen to love my job. Caring for elderly people unable to care for themselves. My beef is with the government penalising self-employed people who have the audacity to be self-employed and not working for a company. That’s pretty much what Theresa May said….in so many words.
If you take offence…then it’s true, you’re too far up your own arse.”

 

Then some other twit (I’ll refer to her as BG) replied: “Sounds like it’s time to increase your prices, Cindy!

Uhmm, really? And you know what I do for a living then, do you? So I replied:  “I can’t increase my prices B.G.!!! I work as a Carer for the elderly. Caring for the old people that need my services due to the fact their families can’t/won’t/don’t want to care for them. My rate on an hourly basis is less than the minimum wage. My clients and their families bitch about how EXPENSIVE I am. My rate is set by the agency who farm me out to said elderly people whose families don’t look after. I pay my own tax. I save for my own pension. I don’t get tax breaks. If I want to earn more I have to work more days or take on clients with alzheimers or dementia or challenging behaviour. In my line of work I’ve been attacked with a walking stick, sworn at, peed and pooped on, had sarcastic family members berating me, clients treating me like a servant. If I want to continue in this line of work I have to smile sweetly and take the abuse. So no, I can’t JUST increase my prices”.

By this point my blood-pressure was sky high and my mouth was heading fast towards the potty!! I love that American expression ‘potty-mouth’. So in order to save my health, I removed myself from the conversation. It raged on with some people really upset by the insults the ’employed’ / ‘arrogant know alls’ levied at the self-employed who were labelled as ‘victims’ because they were upset by the increase.

As one lass put it, she already struggles in her line of work because by pursuing her passion (which the same PD fuckwits suggest we SHOULD be doing) the companies she gets her business from are, of course, only interested in their bottom line and keeping their shareholders happy with big dividends, and therefor knock her price down. So how many more days, weeks and months of the year should she work in order to just magically generate an extra £300 p.a. The same goes for my daughter. It’s unbelievable just how many people expect her to provide them with a service for practically free and complain like heck that her prices are too high! Trust me they’re not!  These same people are totally amazed when she says no, she can’t provide what is a valuable service for FREE. ffs.

Now for the sceptics who may be reading this…..yes, it’s only £0.82p per day!!! If you work 365 days a year! But since it’s virtually impossible to work 365 days a year and not crash due to ill health brought on by over extending yourself (unless you’re a mother) then that little sum increases.

So reduce that by 105 = the weekends that the ’employed’ get without losing income, and you’re down to 260 days which = £1.15 per day.

Then take off the Bank Holidays = 8 and now you’re down to 252 working days and up to £1.19 per day.

Now take off the 28 days mandatory annual leave days an employed person is entitled to and not expected to lose income for and you’re down to 224 days and up to £1.34 per day.

And now for the fun stuff….Add to that the extra costs involved to generate the extra £300 and it goes up even more, then add to that the extra regular tax you have to pay on the newly generated £300 and voila…surprise surprise, it’s no longer £1.34 per day but goes up and up and up depending on your overall costs for phone calls, networking, travel costs, stationery, phone calls, advertising, making/producing/providing the extra product/service you’re in business for. Suddenly you’re no longer looking at JUST an extra £300. Try telling your clients you’re increasing your prices because the Government has hit you with an extra £300 per year!!!

I think the thing that annoyed me the most was the simple arrogance of his statement: “If you are self employed and can’t make an extra £300 a year then really you should go back to being an employee.

What an incredibly thoughtless, arrogant and totally lacking in knowledgable comment to make. This is where my potty-mouth wants to go into overdrive and I’m tempted to take Helen Mirren’s advice on using the work fuck more often! LOL

Now before anyone who’s employed gets their knickers in a knot, I have nothing against being ’employed’, I was an ’employee’ for over 30 years! I was also at the mercy of said employers and the very last company I worked for (in South Africa) put themselves into liquidation over a petty argument the 2 principal owners had! This resulted in dozens of people becoming unemployed, one of whom was an elderly gentleman who had a heart-attack from the shock and died within a few weeks. It also meant that a number of companies to whom they owed money didn’t get paid. Much like the BHS scenario.  As an employee you are at the mercy of your employer, many of whom are quite abusive….see the many headlines when people blow the whistle. You are at the mercy of the largesse of your boss when it comes to the annual increase in your salary if you’re lucky enough to even get an increase (not that the self-employed even have a faint smidgen of this luxury). You’re at the mercy of a bully boss. Stuck with hanging out at the same place day after day after week after year, unable to JUST move on if you’re unhappy – that doesn’t reflect well on your CV.  And then the company downsizes, relocates, gets sold, merges with another blah blah blah. I’d much rather be self-employed than depend on a business or corporation for my income.  So when this increase in the NI came through, I accepted it with disappointment and felt it was unfair.

Anyway, why is it that being ’employed’ is still seen as the be all and end all…the achievement of respectability, the golden handshake goal to reach for? It’s amazing how many times people who are employed look down on the self-employed as if they’re failures! Not by any means are they failures. It takes a HUGE amount of courage to branch out and set up a business, to be self-employed. No longer the perceived security of a job where you earn a set income no matter how shit you are at your job (remember all those employment laws that protect you!?), no longer do you have weekends free – clients expect you to be at the end of your phone or computer 24 hours a day, 7 days a week. If you don’t reply to an email ‘instantly’ at 10pm on a Sunday night they get shirty!! And this is not an imaginary scenario….it’s only too real. As a self-employed person you no longer have the benefit of annual leave and PAID Bank Holidays. Being self-employed has all sorts of ‘perceived’ benefits by the employed who think it’s a long extended holiday. It’s not. It’s tough. People don’t sleep at night for worrying about how to make ends meet. As a self-employed person you are responsible for everything that goes on in a business. Pricing your product to ensure you not only provide a fair price, but that you also make a profit (your salary), marketing said product/service, the accounting, sourcing suppliers, preparing quotes, visiting clients etc etc.

As an employed person you go in to work to do a specific job, in your niche, and the rest of the business magically happens around you. (n.b. I realise this is a variable, and all jobs are different).

  • The self-employed currently pay a lower rate than those in employment
  • The government says this was traditionally down to a lesser entitlement to benefits and pensions, but that these disparities have mostly been removed, so the difference in rates is unfair
  • But critics say it is justified because self-employed people are not entitled to things like paid holiday and sickness leave.

And anyway, as I pointed out to one of the protagonists, it’s not like there are 2.5 million jobs available. In fact many of the apparent job vacancy numbers the Government loves to bandy around are on the very controversial zero hours contracts, and the job market, even for graduates is not flush with vacancies.

An estimated total of 3,694 companies entered insolvency in Q1 2016
A total of 804 companies were subject to a compulsory winding-up order
in Q1 2016
An estimated 2,515 companies entered creditors’ voluntary liquidation in
Q1 2016
There were an estimated 301 administrations in Q1 2016
The estimated liquidation rate in the 12 months ending Q1 2016 was
0.42% of active companies (the report goes on to say) – the lowest level since comparable records began in Q4 1984.
I’m sure anyone who has been at the receiving end of said liquidation feels really comforted that it’s lower!!

Source: https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/519466/Q1_2016_statistics_release_-_web.pdf

So yes, I am, like 2.5 million (4.8million) other self-employed people a tad peeved at the increase in NI. It certainly feels like we’re being penalised for having the temerity to be innovative and trying to earn an income rather than claiming benefits. Which the ’employed’ have much to say about…till it happens to them.

Rant over! Or maybe not 😉

🙂 and yes, as of 15/03/2017 the government have done a u-turn and WILL NOT be increasing the NI for the 4.8 million self-employed citizens of the UK. Excellent!!!

Now all we need is for the major corporations to pull on their big-girl panties, fess up and step up, find their integrity and PAY THEIR FAIR TAXES in the country where they generate the ACTUAL INCOME.

 

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A couple of months ago I sent back 23 letters from charities asking for money…that’s 23 charities I’ve donated to in the past, some of which I made monthly contributions to for over 5 years!! Every time I get home after a job I’m confronted with piles of begging letters… I mark them ‘return to sender’ every time and put them back into the Royal Mail system and STILL they keep sending letters asking for money.

If I donated monthly (which is what they ask for) to all of them I’d be working to support the charities alone and little left for anything else. I stopped all monthly contributions in 2015 when I realised I was working 1.5 weeks every year just to keep up with my monthly contributions. Now I’m getting tough…it’s ridiculous that I have to phone them to be taken off their lists.

Besides the fact that they pay their executives 2-3 times more than I earn in a year, they send reams of stationery and pens and shit that I really don’t want or need……total waste of the money already contributed. Ever since 92 year-old Olive Cooke’s tragic suicide in Bristol in 2015 I’m getting a bit less sympathetic with these charities. I know they need the money, and they are all worthy causes, but where do you draw the line? And don’t even get me started on the phone calls…..I’m so fed up with their aggressive manner on the phone…you end up feeling quite bullied, much like Olive was. You can’t just say no, because they talk right over you. I had an experience once with Greenpeace. I was already a supporter making monthly contributions and by the end of the call I was signed up to a 2nd monthly contribution by Greenpeace Australia, a contribution that during the call I understood was to be a small increase in my existing standing order.  But no! Suddenly I had these extra £6 p.m. donations going through. Fortunately I reconcile my bank statements on a monthly basis to the last penny/cent and stopped the standing orders immediately. And because the chugger had been so duplicitous, I stopped the original donation at the same time. So they lost out by being dishonest.

I am more than happy to make contributions as and when it pleases me and when it’s something close to my heart, but this bombardment by mail is ridiculous.  If you happen to make even just 1 donation to a given charity and have to provide email and address details, you end up on theirs and lists for other organisations you’ve not donated to at all.

I’ve started limiting my donations to requests from friends on Facebook who support an individual charity…people that I actually know and have met; and mostly now to the smaller more independent charities that focus on one particular issue. But even on facebook you get these ridiculous adverts asking for donations. Personally I think the charities need to readdress their internal expenditure, and assess the extortionate salaries that are paid to their executives, their superfluous spending and the rental for their offices, which are often these amazingly modern spaces that must cost a fortune.

I realise that the charities like Breast Cancer and Alzheimer’s and The British Heart Foundation rely on donations for research, however, that’s why we pay taxes…the Government should be allocating money towards this research in sufficient enough funds to manage this. It would benefit the system in the long run when cures are discovered or changes can be made and that would lift the burden from the NHS for health care. But of course that would mean relying on the Government to spend their money wisely…and we all know how that pans out!!!

It’s a really tricky situation added to by the ‘guilt’ you feel when you don’t donate. However, I’ve just had to harden my heart, donate to those that I relate to – which are still quite a few, and I mostly now use the text facility on my phone with which I can donate as I go when something catches my eye or tugs at my heart-strings.

I just don’t want to be hounded on a monthly basis or even bi-monthly with letters and envelopes filled with pens, or address stickers or such-like. Besides the cost involved to the charity for all this ‘stuff’, it mostly ends up, unopened in the trash…and that is not very ecologically friendly at all.

So much as I would like to support them all, it’s not financially possible and I do wish they’d review all the stuff they send out.

 

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Yes, I admit it…..I am a full-on, no holds barred, well-versed and dedicated procrastinator!!

Hi, my name is Cindy. I am a procrastinator….. There I’ve said it…..

So you know how it goes (those of you who suffer the same predicament), tomorrow is always another day…I have been meaning to buy a 2nd external hard-drive for months now. My daughter is constantly urging me to do a back-up…in the cloud? Hmmm, not sure I trust ‘the cloud’….what with hackers and all.

So the long and the short of it is, I haven’t yet bought that 2nd hard-drive…always finding something else to do (I don’t buy much stuff these days), my money is rather saved or spent on experiences…like the Herne Bay Airshow, or a visit to Canterbury or paying HMRC Customs a hefty chunk of £££££’s for the privilege of shipping my belongings from SA to the UK and such like. So there is always a reason why I haven’t yet bought one.

And yesterday my pigeons came home to roost.

I dropped my external hard-drive.

IMG-20150214-WA0005

Not Just a Granny having a tantrum!!!

So, initially I went ice-cold. My body went into shock. My mind started whirling. Too terrified too cry, the tears had dried up in horror!!

Then the enormity of what had happened hit me and I made a frantic call to my computer guy…HELP!!!!! Does this mean I’ve lost all my photos ( 10 years worth at least, if not more) all my spreadsheets, documents, downloads, e-books…etc etc…in short…my life is on that little black plastic box meant to be safe and secure and shock-proof in it’s little black shock-proof casing!!! I felt like throwing up!

At my computer man’s suggestion, I ejected the hard-drive (done that…no t-shirt), and try again….nope, the screen is still telling me that I have used 0 data…..oh the sheer horror of seeing a great big (it seems enormous) fat 0 data used staring back at me….especially as I know full well that wasn’t the case (no pun intended) 5 seconds before I dropped it.

Of course, I have subsequently been asked ‘don’t you have a back-up?’ – Uhmm, yes, that was my back-up…… I had recently moved ALL the files and folders from my computer to the hard-drive as the computer is about 4 years old and sends me nasty messages occasionally! – or – Don’t you save your documents etc to ‘the cloud’…again Uhmm no! Buy hey…..I WAS going to be buying a 2nd external hard-drive to save copies of everything on to…next month! I just hadn’t gotten ’roundtoit’ Like that helps now doesn’t it?? Procrastinator!!!

The irony is that I was in the process of copying photos off my phone from a recent trip to Canterbury to celebrate my daughter’s birthday ( I had only got as far as copying them) when I leaned forward to pick up my phone to send my niece (currently a tourist in London) a message…and knocked the bloody hard-drive onto the floor. Not from a very large height either I might add…no more than 3 inches, but it seems it was enough…to render the data to 0!!!

Anyway, an appointment has been made to see my computer guy next month (next week!!) and hopefully he can indeed retrieve the data as he suspects he may well be able to do. If not, then I will have to have it looked at by professionals…and apparently that can cost upward of £700!!! which brings me to my next ‘issue’….the bloody Universe. I swear it’s determined to keep me poor to my dying day. Just when I think I have worked hard enough, taken on extra work to start saving, something crops up to drain my bank account.

So the long and the short of it (and expense) is…..if you too suffer from procrastination…get help!! aldwych-station-tour-2013-16

It’s a bastard, it costs money and it bites you in the bum when you least expect it! Grrrrr.

Oh! and in’future’ I will do today, what needs to be done today….after all, today is yesterday’s tomorrow.  It would do me well to remember that. *squinty eye picture* if I had one. LOL

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Okay so this post was actually started in May 2013!! But I have just not gotten round to posting it….so here goes….

spammers alert!! Right, here’s the thing. I noticed in the last few days (May 2013) that my followers on instagram had increased exponentially. At first I was thrilled and thought it was my scintillating personality :p Then something MichaelQT said yesterday made me take a closer look & hey ho, here we go!!! 99% spammers! urgh. such a waste of time..now I have to sit there and click on each one and report them for spam.

This has all the hallmarks of the Mark Anastasi/Milli Ponce software that they set up.   I went to one of his ‘free’ seminars last year and at first glance the idea seems terrific (won’t go into details, the seminar was 2 days long!) suffice to say they had developed a software system that with a bit of input from you (the people who paid out £20,000 for the software, training on how to set it up & the weekend at his house with a pool in Cyprus), this system would then autofollow people on twitter and repost ‘whatever’ links to a product or ‘whatever’ every time you mention a keyword post like ‘diet’ for instance.  Basically spamming.

Now its seems to have infested instagram! so here is a heads up of what the profile of a spammer looks like. false names, photos that ‘they’ have downloaded off the internet (we were taught it doesn’t have to be real, just so long as it looks real – typical ‘guru’ bullsh!t of the MLM type), thousands of ‘following’ very few ‘followers’ and invariably (on twitter hundreds of posts with nothing but links) and no conversation i.e. bots!. On closer inspection you will also notice that the name is usually a girls and the attendant photo is of a guy! or visa versa!

So although I can’t show you the instagram photos to give you an idea of what these spammer profiles look like, just have a look at their profiles before following back (same as for twitter) and then you can wish that the fleas of a 1,000 camels would infest their ars3s for being such pesky critters, but it won’t help…they are not real…except perhaps you could direct that wish onto the people who set this thing up in the first place. LOL!! So in summary, if you suddenly get hundreds of new followers on twitter and now (bugger it) on instagram…they are most likely fake.

p.s. the names of the people mentioned above are quite likely false as well, coz at the seminar/course we were told to create ourselves a false name for the internet. and (at the time) I had wasted 45 minutes of my precious time reporting spammers and posting this!   In closing, if you wondered where they get the time…we were told that you (the person who signed up for the course) would hire people in the Philippines for a nominal amount of money per month (and that we were doing them a great service by employing them!!) and they would manage the whole thing for you while you get rich!!! hmmm??

As I mentioned, I started this post nearly a year ago.  I have been remiss in actually posting it, but hope the info will be of use.  I also have no idea what has transpired in the life of the people who ran the course or whether they have done any further courses…suffice it to say, once I really looked into it, I realised that the system was essentially about spamming.  and needless to say I have distanced myself from the whole sorry lot.

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Oh woe is me!!! This is the death of the Starbucks gingerbread latte for me.  Since about 2006, once autumn was in the air, I have waited with anticipation for when Starbucks bring back their gingerbread lattes – my favourite winter drink!

death of the Starbucks gingerbread latte 😦 saving lives and tax!

This for me heralded the season of dressing up in my winter woollies, xmas lights and snow (hopefully!)….whoo hoo!

Just yesterday I read in the Daily Mail that Starbucks has (allegedly) not paid any tax in the UK for the last three years!   And they are not alone.  Since the furore created with the news that the many of the large Corporations sponsoring the London2012 Olympics were exempt from paying tax I have decided to take a stand and boycott any company that does not pay tax and/or pays their CEO’s outrageously over-the-top salaries and bonuses.  The latter are usually the banks and invariably these men at the top walk away from their posts after a few years with perks/payouts/pensions in the £millions.   Are these types of payouts warranted?  And what about when the banks fail?   Invariably we; the British tax-payer have to bail them out….along with all the other (m)uck-ups!

So since the furore of the Olympics I have kept a close eye on the papers and especially on the large corporations that pay very little or no tax in the UK,  this despite a turn-over that runs to £millions plus.  According to the Daily Mail Starbucks posted a UK loss of £33million on sales of £398million (it does however pay VAT on in-store hot drinks!) Big deal…WE pay the VAT. It’s included in our bill and all they do is hand that over to the Treasury…  It does make you wonder that if they are posting such huge losses, are their CEO’s capable of running a company?  They should be making a profit, how come such big losses?  And I am not referring to legitimate expenses.

So coming back to the subject in hand, this means the death of my gingerbread latte…I am from now boycotting Starbucks and any other company that I hear of that doesn’t pay tax, especially if I have to pay them for their product or service.  So far facebook and google are only exempt from my boycott because they are free, although that does not excuse them.  A small stand perhaps but from the backlash on twitter last night I would hazard a guess that there are a great number of people in the UK that are fed-up with the large USA corporations coming into the UK, opening up shop, making money and then laughing all the way to the bank, and mind the UK companies that do the same thing.   Whatever has happened to ethics and honesty in business?

read more:

Starbucks

facebook

amazon & google

and this has been going on for some years now….

The Great Tax heist

and Comics have gotten in on the act too!

my idol has fallen 😦

and lets not forget our erstwhile politicians…the people we are meant to trust, the people we trust to do good for us in Government!!  reminds me of the whole debacle a few years ago….and duckgate!!!  All very well selling the duck house for charity…he sure knows that you can claim any donations to charity off your tax!! So big deal!!

and the list goes on, and not just in business either – a report from the TUC has claimed that every year an astonishing £13 billion is avoided in taxes by the UK’s wealthiest people….well of course they would, they have smart, expensive lawyers that can unearth all the loop-holes.

Seems the old adage of “there are two things in life you cannot avoid: death and taxes” is no longer valid…. you CAN avoid tax.

However….we also have some honest Business men who do pay their taxes

On the bright side…..I am saving myself a heck of a lot of money by not buying from these companies and as I unearth more….the C.H.I.P.S. will fall.    And the issue that sparked the creation of the page!

UPDATE:

2012.10.19 and so the chickens come home to roost GOOGLE now don’t get me wrong, I love google I have no problem with them making bundles of cash/a profit and I would be happy to pay a monthly fee to use it for my business, but I do object to these large corporations NOT PAYING THEIR DUE TAXES.

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Just read a very interesting article about ‘Internet Marketing’ and this quote jumped out at me like a bombshell – “What we like to do here is OPM: Other People’s Money.”    I recall how the many ‘Guru’s’ whose courses I have attended used the same terminology as well as which I could list about 8 ‘guru’s’ who have managed to separate me from the balance on my credit cards, who all say much the same thing….eg they ‘suggest’ to you that you should make the most of OPM…eg your credit cards coz you will make the money back once you do their course, sign up for their programme….. blah blah blah. And so after reading this article I am once again reminded of how they use their fancy terminology to separate you and your money, in this case me and my money.

hmmm….very interesting. So I am posting this for all the folks out there who have not yet been scammed into joining up/signing up for/or in any other way getting hooked into what appears to be a great way to earn money…..and it certainly is….for the person who has just scammed you into paying for their programme.  I know there are many folks out there who have lost a fortune to these tricksters…..and one of them is me!!! and I didn’t even want to ‘get rich quick’, I just wanted a way to earn a decent living from home.

It makes for very interesting reading, and of course I most certainly do recognise some of the names……just a pity I can’t draw up my own ‘name & shame’ list.  He should also include ‘multi-level marketing in here, not coz they have the same philosophy (although some of them do employ underhand tricks), but because you are led to believe certain things with clever words and then when you get going you realise that it is just a numbers game and you are just a number, then you become a statistic and they really don’t give a toss about you afterwards.  When you are making them money…they know you, if you are not….you never hear a word.

http://www.theverge.com/2012/5/10/2984893/scamworld-get-rich-quick-schemes-mutate-into-an-online-monster

Don’t get taken in…….

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freedom!!!!

Whoo hooooo!!!! I got the job!!!! yes yes yes. With much delight this morning I accepted the position from yesterday’s interview. Mucho magic.  I love the sound of the position and was really hoping to get it. What this means is that a) I can ease myself back into the office environment b) I get my evenings and weekends back  c) I can learn new systems – in this case SAGE and Mac d) I can freelance now at whatever I want  e) I am no longer on duty 22/7 f) I no longer have to put up with shitty family members or friends who treat you like a lower class whatnot g) and as far as banks and such like are concerned, I now have a ‘real’ job.  And bonus….I don’t have to go for any more interviews! Wheeee!!!

The funny thing is that the position of ‘Carer’ doesn’t hold much weight in this country and it’s not really viewed as a viable job.  I can see their point, working as a self-employed carer is a variable career, any number of things can happen; like you have to sit around and wait for days on end to get the next assignment, you have assignments that you have sat around for a week waiting for get  cancelled at the last minute, you have to be on tenterhooks 99% of the time coz if you by so much as a word upset your client in any way….your’e shown the door without so much as a by your leave.  So to get back into the office environment is brilliant.

However, there is a price for my freedom……£14,600pa worth of price. Yes! To my dismay they offered me £3000pa less than what I would have expected considering my experience, but have said after the 3 months probation they will increase it to the expected level (not £14,600 worth sadly (I wish)…that amount now includes living expenses such as rent, food and transport etc).  What this means is that for the next 3 months+ I am gonna stress out big time!
But!!!! and this is where it gets good…..I will not be ’employed’ but will work on a ‘contractual’ basis and instead of being an employee….I will be freelance and still retain my self-employed status.  This is very good on all fronts.  It means that I can now do whatever other work I want in the evenings and weekends to generate the discrepancy in my budget! 🙂 yay. So this means I can plan tours for 3 Days in London, I can freelance at other companies in the evenings or weekends, I can take on baby-sitting work, or cleaning (I am a damn good housekeeper) heehee, I can FINALLY get back to the Internet Marketing membership I paid for a year ago and not yet been able to maximise.  Actually read ‘not do at all’.  So the world is my oyster as they say and I will be a free agent able to work unencumbered by 22/7, and in this way I will be able to generate the short-fall in my budget!
Whew! As they say in the classics!

On the family front….I am delighted to say that I am now an aunty again.  My niece finally decided to get herself born and arrived at 01.25 this morning, weighing in at 3.37kgs and 6minutes before I sent an email to my brother and sister-in-law to wish them all the best for the impending arrival.. hee hee she was already here! So welcome to the world Aletta, you are a much anticipated and very welcome member of ‘da family’!
So now I have to plan a trip to Hungary (finally) to go visit and meet my new niece, and of course to also meet the two older children who were adopted at the beginning of the year! Awesome….3x an aunty in one year….not bad eh! It was very special talking to my brother this morning and we were both in tears!! I am so very happy for them. He reminded me that it was exactly 2 years ago to the week that they lost their first baby, which was terribly distressing.  But all is good now and they have their delightful daughter to love and enjoy.

I mentioned in my previous blog that I am cat-sitting in Twickenham this weekend for a friend and after my stress at not getting into the flat last night I was exhausted, (I had visions of sleeping on the step!) but hey guess what?….I was free to do whatever I wanted, so I got onto the internet and did some emailing, tweeting, and fb’ing wihtout any worry about having to get up the next day at a specific time……I could get up anytime I pleased.  Then finally to bed at about 1am and woke this morning…..free as a butterfly!  And hahahaha, at 07:35! can you believe it?  Now that I am free to wake up late……I wake up early! Hah!! typical! I spent most of the morning on the internet working for New Media Angels (I am the twitter angel) then met up with my daughter later in the morning and went to Sweetie Pies for tea and yummies to celebrate my new job! Then it was back to her place and work work work for 3.5 hours earning my freedom!

I can now advertise The Money Box in earnest (you can ‘like’ it if you like!) and of course the plan is to get my books up on Amazon and blurb as well as the intineraries onto kindle.

Hooray! I am free, and freedom is a sweet, sweet word! 🙂

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