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obidiah

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About obidiah

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  1. This was also in the local free paper where it said he had to sell a flat he owned to fund the demolition and fines,my heart bleeds,not. http://www.harlow.gov.uk/pr16-63
  2. What were they thinking,living in the town it is not the best estate by a mile and as they say home is what you make it but i think their aspirations are a bit on the high side ffs,photo 2 may cause you to find some mind bleach. http://www.rightmove.co.uk/property-for-sale/property-51931514.html
  3. Our situation is thus,we have a 4 bed ex council house with two kids aged 28/30 living at home and another who is renting a tatty flat with a friend for £700 a month,we have no mortgage and i and the wife work part time as do all the kids(full time) and at the moment job security does not seem a problem although who knows at the moment. The wife and myself have enough enough cash two buy a 2 bed house locally for the daughter and the plan would be to buy this in my name and she would then pay me the rent and on my death it would be left to her in the will,the current house would be signed over to the wife and on her death it would be left to our sons,i realise that any rent is classed as income and at the moment i receive a small pension of £250 a month so would be looking at 11.5k a year although my tax code is split between pension and my employer and may well give up work all together and live on the rent. There are several reasons for thinking about this route the main being that the savings are earning next to nothing with the low interest rates and it would hopefully stop any arguments about who has what when we pop our clogs(the wife is soft when it comes to the kids)this with the fact that the children will never be able to save enough for a deposit and if they did i am not sure they realise the hard work involved in getting rid of the debt,plus we would sooner not make more money for the banksters, any comments are welcome and apologies for being a boomer child.
  4. This is the situation,boomer and wife with a 4bed ex council house,wife works pt and i do the odd day and am receiving a small(£65 a week)pension,we have three kids two of which are living at home and the daughter who is paying 700 a month for a two bed flat that is not in the best maintained condition,the plan was to leave the house to them when we peg it but as interest rates are so rubbish we are thinking of buying a 2 bed house for the daughter and taking the 700 a month rent from her and friend to supplement the pension. It would be a cash purchase and would take just about all the savings but we will still have rent coming in from the two kids both boys who will never get the money for a place and the wife's wages,i realise that we/i would have to pay tax on the income but do not want to fall into the IHT trap so would it be advisable to put the purchased house in my name leaving it to our daughter on my demise and our main home into the wifes with her leaving it to our sons when she pops her clogs,we have discussed this with the children and they are ok with it,the thing being that our daughter would not want to end up as a skivvy for them if thay all lived in the 4bed ! We did consider splitting the savings (140k) with them to use as a deposit or a start of one but they agree that with job security being non exsistant it could just be a noose long term or worse,forgot to add we have no mortgage. Any observations,criticsms etc are welcome or should we just take proffesional advice,not that we want to pay some cocky smart alec for it,apologies for being a boomer but i didn't have any say in that side of it.
  5. Have long known that you are just being used by both agency and the Co but have accepted this as hours and work availability suited me,you are right in what you say about a firewall as this supermarket uses a Co called De pohl/Paul who dictate to the agencies on behalf of the end user,i was at the office the other day whilst one of the staff was explaining the benefits/fiddles of being self employed to a driver and wish that i could have recorded the conversation as HMRC would have been interested no doubt but as i have friends working there who need the money i will not be taking that route despite being rather bitter about the whole issue and will be contacting CAB after the holiday for advice. Will be looking for a simple job like stacking shelves in B and Q as driving just has too much legislation from VOSA police having to take courses to prove i can do something i have done for years etc,the agency worker directive looks great on paper but would guess that at the end of the day only a very small percentage of agency workers will benefit despite the gloss that the politicians on it
  6. Have long realised that the agency's cream a good profit off for themselves but did not have a problem with that as the hours i wanted to work suited,it was put to me that by going self employed i would gain an extra £1 an hour but this will be worth more to the agency as they will not need a payroll dept. Whilst in the office the other day the consultant was telling a driver the benefits of working this way,just wish i could have recorded the conversation as she explained the various fiddles available especially mileage claims at 45p a mile,if i was bitter about this i would call HMRC but will not as some of the drivers are friends but would like to see the supermarket exposed for what it is. As for getting another job i had intended to give it up in 2014 because of all the legislation and having to pay for various courses/medicals etc so being a boomer think i will get on with some decorating and hobbies and perhaps try for a simple little self stacking job but will pursue this issue starting with a call to the CAB offices after the holidays.
  7. Have long realised that the agency's cream a good profit off for themselves but did not have a problem with that as the hours i wanted to work suited,it was put to me that by going self employed i would gain an extra £1 an hour but this will be worth more to the agency as they will not need a payroll dept. Whilst in the office the other day the consultant was telling a driver the benefits of working this way,just wish i could have recorded the conversation as she explained the various fiddles available especially mileage claims at 45p a mile,if i was bitter about this i would call HMRC but will not as some of the drivers are friends but would like to see the supermarket exposed for what it is. As for getting another job i had intended to give it up in 2014 because of all the legislation and having to pay for various courses/medicals etc so being a boomer think i will get on with some decorating and hobbies and perhaps try for a simple little self stacking job but will pursue this issue starting with a call to the CAB offices after the holidays.
  8. Realised years ago i was being shafted but accepted it as the hours/pay suited me but then i got my hopes up when i heard about the scheme to get stiffed,but hey thats life,will be contacting CAB after the holiday as it is morally wrong but what do big Co's care about morals,guess i can blame the Swedes ha ha.
  9. . Just a few words from someone who has lurked on the site for a while and who is affected by this EU rubbish,i have worked as a hgv driver for a large supermarket(making life taste bitter)via an agency on a paye basis for some 6 years at two sites in Essex and Herts,since the 12 week period started in October i have been pressured by the agency that i should become self employed via a dodgy umbrella scheme or otherwise i will not be able to work beyond Christmas eve but after looking at the pros and cons decided i could not comply with IR35 and given that i am 59 and receiving a small pension decided against this route only to be told that i will no longer be able to work at the Co because they are using the Swedish derogation opt out to avoid paying the same rates as there own drivers. Drivers for the Co are on a salary but it equates to about 14-15 pound an hour whereas i was getting a tenner and not getting a paid break period as they do,i did call ACAS but they said that i am not the first to call over this subject and until a precedent has been set with a court case they cannot help.ah well so i will try the Jobcentre to see what they know and can say that was an eye opener to be told by a spotty little 18 year old that they dont deal with that sort of enquiry but we can get you signed up now for JSA,what stopped me throttling the little git i never know,so Mr King have a nice Christmas you &^%. As far as i am aware i think only one national chain are going to give pay parity to agency drivers.
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