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Hullabaloo82

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  1. Sounds very similar to where I live (West Midlands as opposed to Yorkshire though). I think you hit the nail on the head when you said "very middle class led" though. Middle class and genuine working class (ie de facto middle class but with trades as opposed to professions) seem to stick together, families look out for each other and communities work well. There is a visible "underclass" (for want of a better descriptor) here though who sit outside of that, being gradually abandonned by the state and viewed with open mistrust, even anger by the local community. The same could be said about people who don't "conform" in general. I think this is where the idea of "going it alone" comes from. If your face fits in the UK, you're fine and you'll be extended help and support. If you're not, you can ****** off back to your council flat and stop mak8ng the place look untidy.
  2. The answer to all this is quite simple I think. It's just politics and "feels" which muddy the waters. Let's say the UK is a large firm and the EU is the major software provider for the sector. There's some vague grumblings of discontent about the EU being too big for its boots and eventually at a board meeting a motion is carried via a simple majority to end the current relationship with EU Soft. The MD, FD, Head of IT and a few others are sent off to come up with alternatives. Options bandied about include: Renegotiate a more favourable arrangement with existing provider; Find an alternative provider; Develop new software in house; 3 years passes, during which time you've changed MD and FD and probably a couple of other key positions. When it comes to the big reveal you find that the team has achieved...... nothing at all. Do you A) press on with ending the EU contract anyway as "that's what we voted for, that's what we'll do"? B) immediately fire the incompetents responsible for this mess and shelve the plans? The real world answer is, fairly obviously, B. Of course there'll be time for an inquest, for playing the blame game etc but in the short term you put the breaks on this idiotic trajecrory to protect the company. The irony is, despite the obsession many people have with the "UK as a company" analogy, lots of us seem to think A is the right move in the context of geopolitics.
  3. Let me guess, then they all jumped on the table and shouted "Oh, captain, my captain!" I've long contended that this forum is a case study in cognitive dissonance and this thread is truly a brilliant example. "Corbyn said something I agree with. But.... but..... something something socialism. Better vote for the tories again like always, achieved ****** all for the past 10 years but still, I'm sure this'll be the time I get mine."
  4. Great to see this thread still going. A monument to the futility of human existence. Sort of like staring in to the Grand Canyon or Iguacu Falls.
  5. I doubt either of these will make any difference to be honest. If anything the discount just makes more affordable new developments non viable. Another possible outcome is further social division where there'll be cheap developments for locals (because why would anyone else pay the 25% premium?) and yet more expensive developments where even 20% is not going to allow local FTBs in. Also, as someone priced out of their home area by excessive price increases due to gentrification of the area by Londoners cashing in their chips and escaping the big smoke, where's my discount to allow me and my wife and my 2 kids to move back to our family area? A 20% discount might actually help me. It'll make ****** all difference to Mr and Mrs £15k pa who were only going to be buying a poorly constructed shoebox any way. Sure there's a few locals from the town I now live in who would benefit from a 20% discount on my house, but it sure as ****** won't be the average FTBs round here who probably work at Co Op. Yet again it's a kick in the teeth for anyone who's beaten the odds and managed to get on with their lives whilst the politicians pander to the extremes. As for this shared ownership ******** do they really think anyone wants to buy their house 1% at a time? Just a load of hot air, a 5 minute back of a fag packet job designed to try to make it look like Boris has an actual domestic agenda and this prorogation isn't just yet another dirty trick to avoid scrutiny of his brexit plans. If you really want to help people in provincial areas (and London, ultimately), how's about forgetting about the property market and doing something to deliver some half decent jobs to the regions? Would solve the housing and transport crises overnight. "But that might mean investing the - gasp - public sector. Aaargh communism......"
  6. At the risk of stating the blindongly obvious, "it depends". I make a decent living right now. I'm on the housing ladder and got on a while back on a very long term fix so my income to housing costs ratio is improving. I get several weeks paid leave, pension paid for, no need for the hassle of tax returns etc, payroll does all my deductions for student loan etc, I've had several thousand pounds worth of training from various employers over the years and I have a pretty clearly defined career path. I also get enhanced redundancy in the event it goes to shit. Sure, I could have a bigger piece of the pie if I owned my own business but I'd have to deal with/pay for the above with risk to boot. For starters, in my industry you can't start off on your own until you've worked for somebody else for a bit and got the experience. Your options for owning the business are then; be a partner in a firm (decent money, potentially unbelievable money, but you'll need to devote your life to it and also come up with or borrow quarter if a mil to do it, plus you csn only fo it by climbing the greasy pole in an existing firm or 3) or some sort of free lance consulting (nebulous; need to be in the clique begore you take the plunge, again really requires you to hace paid your dues for a long time to make a success of it) or just plain old contracting. I suppose I could go and start preparing accounts for people and doing their tax returns on my own but ****** that; that's about the level of clients you get as a one man band in this business and that's not what I want to spend the rest of my life doing, especially with all the hassle of running a business to boot. The contracting is the one which attracts me. Pay is outrageous for my level and there's the aforementioned skills shortage. I could switch to making upwards of £300 a day right now. Trouble is, with two young kids and most of a mortgage left, I just can't really take that risk right now however strong the position looks currently. So, on balance, I'm happy with where I am right now. Grass ain't always greener and that.
  7. Keep licking those boots, mate, you've missed a spot. Not sure where you're getting this idea about a supply of cheap labour regardless of skillset. The boot is very much on the other foot in my industry (accounting/financial services); firms/public sector organisations stopped training people during the last financial crisis and there's now a lack of experienced people at management/senior management levels. I had around a 20% rise at the back end of last year following a promotion and will be expecting 10ish this year as the role I'm now in has a wide pay band. If that is not forthcoming (October for me) I absolutely will change jobs. I could switch jobs tomorrow if I wanted to to be honest, given the level of demand. Can I suggest an OU course or similar to improve your prospects?
  8. That link doesn't mean what you think it does; that's describing how a junior exec blew the whistle on what senior management had orchestrated. Why don't you just do a small amount of research before coming out with this unmitigated ********? Besides, this is a sidetrack; you still haven't explained how you're going to not only invent but persuade companies to accept a new completely automated way of accounting which will remove all fraud and automate all accountants out of existence (the simple answer to your Patisserie Valerie question, by the way, is; senior finance staff perpetrated a fraud and concealed it from their auditors, whose job, believe it or not, is not to go looking for fraud. Same as every other accounting fraud ever, pretty much). I've stocked up on beer and popcorn so please don't disappoint. Let me guess, it's along the lines of "something something blockchain", right?
  9. Utter, utter tosh. Enron was not "brought down by a low paid" bookkeeper. Plenty of "high paid professionals and accountants" knew what was going on, they just chose to look the other way, including auditors Arthur Andersen. This is why it's now a "big 4" instead of a big 5 and Jeffrey Skillings has only just got out of jail. How exactly do you think increased automation would have made any difference? Also, your last paragraph. I know it sounds impressive in your head but what the ****** does any of that actually mean?
  10. Lol at "Quicken" books. The belief that QB and the like will be able to fully replace accountants in the near future is in the same ballpark as believing Khan Academy can replace teachers; totally ignorant of what either of those professions actually do. What automated ledgers etc have done is replaced large quantities of data entry and checking jobs. There are probably 99% less Purchase Ledger clerks out there now but all computer systems suffer from the "rubbish in, rubbish out" problem; most people, despite believing they're business experts have zero clue how to actually use these tools, hence why even people who use QB etc still pay an accountant to make sense of it. Not only that but actual accounting (as opposed to just bookkeeping) requires large amounts of judgement. Most business owners wouldn't actually want to entrust a machine with that (way too honest, far too much papertrail). This analysis also ignores "mission creep"; it's true that some menial tasks might be automated out of existence but you're ignoring the fact that this is an industry which turned the greatest scandal in its history into one of its biggest money makers (Enron; compliance, controls reports etc). Acvounting will likely just find a more value add way to sell you services; my bet? Forensic accounting boom to coincide with the death of cash.
  11. 5.5k net income suggests significantly higher income than £66k, closer to £100k. You remember what tax is, right?
  12. So don't then. Just because you're not working doesn't mean you have to be sat on your **** doing nothing. The best models of this I've seen have educated/trained people still working whilst those who aren't have to commit to exercise/study/volunteer etc for a portion of their time to get their money.
  13. Accountant here; google is a pretty essential tool in our profession. So much so that we basically prep people for what we're going to ask in the interview and grade them on how well they research/answer it. There's a massive difference between a trained accountant googling something and interpreting what they find and someone who doesn't understand trying to blag their way through. That said, the only way to genuinely test someone's level of technical expertise is to ask them face to face where there's no way they can cheat. All our interviews also have a non pre seen technical question and an excel task they have to do sat in front of us. Thing is, we're not necessarily looking gor the right answer to the technical bit (we are in excel of course), we just want to see how they handle the question. Actually knowing this overly technical stuff is for the nerds in technical/quality who sit in the office and pour over legislation all day and leach off those of us who are actually out there earning fees. They're at the end of a phoneline/email in the event you get asked something you genuinely don't know and can't find via google anyway (and that will happen; there are small tweaks to accounting standards every single year, it's nigh on impossible to keep it all in your head). You'd be surprised but being overly technical can be career limiting; this probably doesn't apply to IT so much I guess but in our world if you want to make partner/director it's how much you know about individual sectors (ie business) and how well you can relate to clients that will make it happen, not how well you can talk some mid level accountant (let's face it, the FD doesn't give a ****** either and the FC hasn't got time) through a non material adjustment to their accounts.
  14. Great thread for hpc nonsense bingo, this. We've got total misunderstanding of how things work ("that means the total net debt must be zero"), conspiracy theory that makes no sense ("they're using schools (and navy ships apparently) to hide debt"), obligatory non sequitur plug for gold/silver/Bitcoin and the equally obligatory "you can teach yourself astrophysics with a couple of ted talks on YouTube" disdain for education. What's actually happening is that the systematic underfunding of LEA schools is yet another example of the death by a thousand cuts this government is inflicting on our public services. The budget deficits are fundamentally underwritten by the controlling authority so it's yet another stealth budget cut for your local authority. There is only so much "fat" that can be trimmed. Over the next few years we will see more and more local authorities going to the wall who will in turn no longer be able to provide services to or otherwise prop up their schools. Then we're all at the mercy of the free market which was the whole point since day one. Those of you cheering for this are about to discover with hindsight the true meaning of economies of scale and how it applies to everything in our economy from collecting the bins to caring for our elderly. The ultimate irony of course being that these private sector parasites will be helping themselves to that little nest egg you've got stashed away for when house prices finally hit the magic number you've got in your heads.
  15. Yes true. We don't pay the £39bn all in one go if we stay but we will still pay it over x years. The divorce settlement was for this reason; to recognise money the UK was already committed to spending. If we stay it just gets paid as part of our normal expenditure in line with the projects it relates to rather than in a lump sum.
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