@sar
active 8 years, 1 month agoForum Replies Created
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Posted in: Sar
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January 12, 2018 at 3:42 pm #440
To be honest, even with the best will in the world, I don’t think it is going to be possible to maintain the NHS in its present form into the future.
It is inevitable that it will have to become at least part paid for by the end user directly.
Medicine is becoming more personalised and as a result, more costly. Many of the new drugs coming through are horrendously expensive, often because they can only be applied to small numbers of patients.There will come a point where, in the not so distant future, a choice has to be made between having health insurance or a putting up with a truly third world service.
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December 30, 2017 at 2:44 pm #410
I find Hermes good, I think it depends on who your local Hermes couriers are if you are to have good service or not.I have sent over 100 parcels with Hermes and the only time one was delayed was my fault as I changed the address by hand on the label as the next door neighbour to where I was sending it had very similarly named house and it was clearly too much for the operatives in the sorting depot of Hermes to work it out!
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December 14, 2017 at 9:58 am #379
From someone who is ‘in business’ and has been throughout the last fifteen years employed, self employed and latterly ending up the director of my own limited company, utilizing two different ‘trading names’, there are a lot of different aspects to your question(s).
Self employed as a ‘sole trader’ is the simplest form, ie you work literally for yourself, all the money left in the bank account at the end of the tax year COULD in theory be taken by yourself and indeed the Inland Revenue assumes that this is what you will do and taxes you likewise (that is if the sum is over your tax free personal allowance of course).
IF the business folds owing money, you will be PERSONALLY liable for all debts as they are in your name.
Limited companies work differently two reasons, the tax reasons USED to be the main one – although this has been diluted in recent budgets. Basically by paying yourself in a combination of ‘salary and dividends’ it used to be possible to either avoid or significantly reduce your personal tax liability.
Put simply the ‘salary’ could be taken as a tax deduction from the company, which would reduce its liability for tax and then dividends could be taxen from the remaining profit at no personal tax liability. This is still possible but no where near as lucrative as it used to be.
There are advantages however as any debts owing if the business folds are to the business and if it folds with (or has no) assets, the liabiity stops there and doesn’t attach to you personally.
Your husband will need a different bank account whichever route he takes – it will either need to be a ‘Sole trader account’ or a ‘Limited company account’ – you cannot (or shouldn’t) use a normal personal bank account to conduct business affairs through.
He will need business insurance for whatever he is doing.
Need to inform vehicle insurance companies etc of change from employed to self employed – indeed esp if not previously insured for business use.
JUST a side note – avoid elusive accountants (unless you know they are good, I had issues with one that led to my company sending them a ‘vote of no confidence’ letter (ie we fired them!). Their mistakes, poor accounting and general incompetence made this years tax affairs and nightmare.
If you think of anything else or just want a sanity check on anything (I know it gets confusing!) – feel free to drop me a PM and I will help if I can.
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November 30, 2017 at 11:01 am #332
@kelly I agree. Sugar in a multitude of forms has been introduced by food manufacturers – imo the worst ‘innovation’ was the ‘low-fat’ industry – and the myth perpetrated by the manufacturers and the medical profession that eating fat makes you fat. I remember as a child (in the ’50s and ’60s) always having a pudding after meals but those puddings were home made and although they contained sugar were not ‘super-sweet’ as manufactured ones are now. Of course, we walked a lot more then, than is usual now, there weren’t as many cars around then.
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October 6, 2017 at 2:16 pm #248
Guests like turbot go off in three days .
no matter how much you love the people it’s hard work and you can’t just create more time and if you have horses you just can’t make the horses disappear .
You end up tired frazzled and behind on stuff you need to do.
It’s just the way it is.
OP six days is too long next time make sure it’s three nights max . -
October 6, 2017 at 2:05 pm #231
im a driving instructor and teach a lot of slightly older ladies, and it is normally ladies who learn late, either after theyve had their children, or if their husband gets ill and cannot drive. Go for it, but make sure you get an instructor you like and you get on with. Someone who makes lessons fun. Honestly the more you start to enjoy them, the easier you will learn. I have to say I rarely have anyone take longer than 12 months and often less than six months. And thats despite having no car to practice in outside of their lessons. I only do 2 hour lessons, I find a one hour lesson is too short to learn a new skill and practice it. Be prepared to have a lesson every week, and make sure youre instructor pushes you, rather than just does the same old, same old every week. i get my pupils to drive to the beach, go over the moors, suggest places they would like to be able to go to once they have passed. And dont just go for the cheapest instructor, they are normally cheap for a reason. Im not saying expensive are the best, chat to friends and see if they enjoyed learning, see if they are happy to drive anywhere. You are looking at a skill that will allow you to drive anywhere you want when you pass, not simply an instructor who will get you the skills to pass your test in a small town.
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October 6, 2017 at 1:56 pm #217
The naff weather won’t have helped. Can you get a sunshine break – just a few days can really change your outlook. Or do a review each evening, 3 things that happened in the day which you enjoyed. If there aren’t any, then you need to be working on it and maybe lowering expectations for a little while. Mojo often links to sunshine for some people, it’s a very basic requirement. Sending you a girl power restoration hug.
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October 6, 2017 at 1:50 pm #209
I have very bizarre dreams sometimes that I remember a lot of details about. Mostly they don’t make sense and are very strange.
The only ones I’ve had that I could place a reason for, was when my horse was very very sick and I kept dreaming that she was on the other side of a river and I couldn’t get to her. I had that dream regularly until she got better.I also have a recurring dream that I’ve had for over 10 years. It usually happens in my college accommodation. I have finished college and have to get all my stuff packed to take home. Occasionally it’s at a hotel after a holiday or something instead. But the crux of it is that I cannot get all my stuff packed, there is just too much and not enough time so it’s a very stressful dream of packing and panicking. I don’t like those dreams but I think it comes from my real fear of leaving stuff behind everytime I stay away from home.
I don’t tend to think too much about why I dream
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October 6, 2017 at 1:40 pm #192
You are absolutely right, the sooner we get rid of this ideology driven set of ********* (no idea what I’ve starred out – I can’t think of a word bad enough!) he better. And now they’re trying to roll Universal Credit out all over, even though it is obvious that it isn’t working properly in the pilot areas, with claimants being left without access to money for up to 6 weeks! It is disgraceful!
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October 6, 2017 at 1:27 pm #169
No. I feel bad enough taking sick days when I’m actually sick, and I couldn’t deal with the anxiety of being found out.
My company are really approachable though, could you ask them for a day unpaid leave, or ours allow us to trade in additional holiday so we can buy and sell days on a divisional level- might be worth looking at?
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October 6, 2017 at 1:10 pm #146
I dont think as many people drink drive that same night but too many drive to work in the morning still absolutely plastered thinking that because they have had a few hours kip they will be fine.
I have never drank, never been drunk, never had a hang over. Whenever I go out with people from work they are always telling me to ‘just have one’ etc. it gets really bloomin annoying! They can’t seem to accept that someone doesn’t drink. Apparently you can’t have fun sober! But then they are all wanting a lift to and from places so they can drink before they go out.
And they wonder why I don’t go out with them very often at all.
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October 6, 2017 at 1:04 pm #136
OP, I am sure your GP will sign you off but don’t dismiss the offer of medication if there is one. There is no shame in taking a low dose of ‘happy pills’. Indeed they may help you cope with the mundane things in life, like washing up, cooking etc, if you can get a handle on the small things the bigger ones are easier to cope with.
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March 23, 2017 at 5:08 pm #30
Hi jessie, You are not alone with your experience with scholl garbage foot files. I bought the Scholl velvet smooth and dry pedi and it was really weak and didn’t remove any dead skin at all from my feet. I bought it from scholl from amazon for £60 and wasn’t even allowed to return it. WHAT A COMPELTE SCAM. I recently bought a Emjoi micro pedi for my feet and that thing is a lot better and has a ton more power to it plus I got it for half the price 🙂
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