Jump to content
House Price Crash Forum

Middle Class Recession: Benefits Claims For White Collar Professions Soar


Recommended Posts

Vets no longer depend on farmers. Vets got into bed with insurance companies and if you do not have insurance nowadays a vet is very very expensive visit if your dog, cat, wabbit, gerbil, etc, gets ill.

I know someone who has (and breeds) horses, she was charged £1000 for an MRI scan on a horses leg - this was covered by the insurance. However, I've no idea what the premium is for nags. A bit more than for gerbils for sure.

Link to post
Share on other sites
  • Replies 77
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

I do love to hear stories about lawyers having a hard time! Welcome to the real world.

Pet insurance has changed the Vet's charges fundamentally.

The insurance companies said to the Vets "Sell our insurance and we will pay you higher treatment fees".

Then the Vets put up their charges to everyone, so pet owners had to take out insurance.

That means that there are two winners and one loser in this set of relationships.

Farmers do not have that kind of insurence so guess what, treating a sheep is dramatically cheaper than treating a cat.

Link to post
Share on other sites

Erm, minor operation on dog's claw, £140. In the same ballpark as an optician or dentist if some minor work gets done.

Christ, I'd be attempted to do it myself at that cost, like minor surgeries I have performed on myself in the past.

Link to post
Share on other sites
The Conservatives say the Government is failing to do enough to help unemployed white-collar workers and offering little in the way of specialised help

This notion has always seemed odd to me- why would the most able group of unemployed people need specialised help? The implication seems to be that 'white collar' workers have led such a feather bedded existence that they might implode upon contact with reality in the form of unemployment- very odd perspective, and not very flattering the people involved.

Link to post
Share on other sites
Guest absolutezero

Vets no longer depend on farmers. Vets got into bed with insurance companies and if you do not have insurance nowadays a vet is very very expensive visit if your dog, cat, wabbit, gerbil, etc, gets ill.

Even with insurance it's very expensive.

My dog costs £38 a month to insure (and I can't cancel it because he had some surgery years ago and if anything ever went wrong with that again it would cost thousands).

Vets are expensive but that's private medicine for you.

God bless the NHS.

Link to post
Share on other sites
Guest absolutezero

Vets no longer depend on farmers. Vets got into bed with insurance companies and if you do not have insurance nowadays a vet is very very expensive visit if your dog, cat, wabbit, gerbil, etc, gets ill.

Even with insurance it's very expensive.

My dog costs £38 a month to insure (and I can't cancel it because he had some surgery years ago and if anything ever went wrong with that again it would cost thousands).

Vets are expensive but that's private medicine for you.

God bless the NHS.

Link to post
Share on other sites
Guest absolutezero

and I guess that your part working staff do not adversely affect any government stastistic keeping the unemployed below 3m. Out of interest, do the 3 redundant people now work, sign on or have just become inactive?

By taking a pay cut etc they've just accepted lower redundancy pay when the axe swings.

Link to post
Share on other sites

What is interesting about these figures is that such people are showing up in the figures - you have to have less than 10K in savings to sign on so it seems thousands of these professionals were living hand to mouth.

If you then think about all the others who did save and who are not signing on because of savings then the figures of this middle class recession must be much higher.

Link to post
Share on other sites

What is interesting about these figures is that such people are showing up in the figures - you have to have less than 10K in savings to sign on so it seems thousands of these professionals were living hand to mouth.

If you then think about all the others who did save and who are not signing on because of savings then the figures of this middle class recession must be much higher.

You can claim non means tested job seekers allowance for the 1st 6 months of a claim. After that then your savings will disqualify you. So then they become non-unemployed but 'economically inactive', I presume?

Link to post
Share on other sites

What is interesting about these figures is that such people are showing up in the figures - you have to have less than 10K in savings to sign on so it seems thousands of these professionals were living hand to mouth.

If you then think about all the others who did save and who are not signing on because of savings then the figures of this middle class recession must be much higher.

Makes me wonder why I cannot opt out of N.I.

I can handle my own health insurance, for example, I need to go to the doctor, chest infection, they can only see me next year. That's right, I earn enough to pay 40% tax but I have to wait to see a doctor. I can save for my own pension and the government won't give me a penny because of my cash wealth, [edit : if made unemployed and after the 6 months]. I hate socialism.

Edited by I want a house!
Link to post
Share on other sites
Guest absolutezero

What is interesting about these figures is that such people are showing up in the figures - you have to have less than 10K in savings to sign on so it seems thousands of these professionals were living hand to mouth.

If you then think about all the others who did save and who are not signing on because of savings then the figures of this middle class recession must be much higher.

I believe you will find no matter what they do for a living, most people live up to the lifestyle they can get with their earnings. Spend today and bugger tomorrow.

Link to post
Share on other sites

However by June it was becoming clear that the figures still weren't stacking up, voluntary redundancies were called for, none were forthcoming so all staff jointly agreed to a 12% pay cut, sacrifice 5 holidays and our early finish on fridays. Redundancies were on the table again in October, so again they were avoided by a collective sacrifice (take note BA trolley pushers :P ) with half of the staff on a 3 day week and the other half on 4 days.

This lasted for just a month and currently everyone is on a 4 day week.

So presumably you were trying to drive your costs down to pick up more (cheaper) work in order to fill that extra working time, but it didn't materialise -- which suggests that the work just isn't there, not that there's demand at a cheaper price point. This makes sense because the bulk of the costs in a project are surely elsewhere (building/land costs). Even if you were able to do the architecture work for free, excessive land costs would still clobber you :(

Link to post
Share on other sites

I believe you will find no matter what they do for a living, most people live up to the lifestyle they can get with their earnings. Spend today and bugger tomorrow.

Speak for yourself, you obviously must think you are in secure employment with pay increase and promotion prospects. ;)

Link to post
Share on other sites
Guest absolutezero

Speak for yourself, you obviously must think you are in secure employment with pay increase and promotion prospects. ;)

I don't spend most of my money.

I make Scrooge look like a spendthrift....

As for employment, I'm about as secure as it gets.

Pay increase will be 2.3% this year and capped at 1% for 2011 (but expect strikes).

Promotion? Ha! No chance of that. ;)

Link to post
Share on other sites
My cousin is totally fecked though, in that no architect firms are hiring, and I believe there is a LONG experience requirement, he couldn't find a did his masters and is about to graduate, again possibly to no job.

Yep feel really sorry for anyone past part 1 in architecture degree, all that work and basically F'k-all chance of getting a job. Experience, like in so many careers, probably holds more value than a qualification when there is such a big surplus of people to recruit from. Wouldn't be so bad aswell if practices were taking on students, but this seems to have come to an end at most firms.

and I guess that your part working staff do not adversely affect any government stastistic keeping the unemployed below 3m. Out of interest, do the 3 redundant people now work, sign on or have just become inactive?

Right, this type of deflated economic activity is not something that can easily measured, effectively the part working week would be the equivalent of approx 2 redundancies. From the latest I've heard one of the guys got work in a shop, another went freelance/contract and one of them was doing all sort of odd jobs.

By taking a pay cut etc they've just accepted lower redundancy pay when the axe swings.

Thankfully not, we were given terms expressly stating that this was not the case and also that the cut was 'temporary'. Fairly fortunate to be working in a transparent company, if this was not the case I would have thought it would be unlikely for group sacrifices to enable everyone to keep their jobs.

So presumably you were trying to drive your costs down to pick up more (cheaper) work in order to fill that extra working time, but it didn't materialise -- which suggests that the work just isn't there, not that there's demand at a cheaper price point. This makes sense because the bulk of the costs in a project are surely elsewhere (building/land costs). Even if you were able to do the architecture work for free, excessive land costs would still clobber you

Not neccessarily 'cheaper' work, architecture fees are pretty pared back for most work these days, the general notion was to provide 'extra' service for no additional cost (but I suppose in a roundabout way that is 'cheaper' work). So much work was pure speculation during the last decade that as confidence collapsed so did a large chunk of projects, what with people really struggling to raise a loan, even viable schemes struggle to get past a few feasibility sketches.

Link to post
Share on other sites
Guest absolutezero

Thankfully not, we were given terms expressly stating that this was not the case and also that the cut was 'temporary'. Fairly fortunate to be working in a transparent company, if this was not the case I would have thought it would be unlikely for group sacrifices to enable everyone to keep their jobs.

I hope you have these terms in writing and they've given you a definition of 'temporary'.

Link to post
Share on other sites

I don't spend most of my money.

I make Scrooge look like a spendthrift....

As for employment, I'm about as secure as it gets.

Pay increase will be 2.3% this year and capped at 1% for 2011 (but expect strikes).

Promotion? Ha! No chance of that. ;)

Good for you, no problem paying the good, dedicated, hard working teachers that love their work and want to bring out the best in their pupils, they are worth every penny they get...what I cannot abide is the good for almost nothing free riders that are incompetent, can do more damage than good and need to go back to school themselves for retraining on how to teach.......they would not still be employed in the private sector, managed out no doubt about it. ;)

Edited by winkie
Link to post
Share on other sites
Guest absolutezero

Good for you, no problem paying the good, dedicated, hard working teachers that love their work and want to bring out the best in their pupils, they are worth every penny they get...what I cannot abide is the good for almost nothing free riders that are incompetent, can do more damage than good and need to go back to school themselves for retraining on how to teach.......they would not still be employed in the private sector, managed out no doubt about it. ;)

I'd not hold your breath on that one.....

Link to post
Share on other sites
Guest absolutezero

So tell me you are supporting those that are detrimental to our childrens' development and futures. ;)

I'm not supporting them. I'd like bad teachers weeded out as much as anyone else. They make my job more difficult and they let the kids down.

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Loading...
  • Recently Browsing   0 members

    No registered users viewing this page.

  • 434 Brexit, House prices and Summer 2020

    1. 1. Including the effects Brexit, where do you think average UK house prices will be relative to now in June 2020?


      • down 5% +
      • down 2.5%
      • Even
      • up 2.5%
      • up 5%



×
×
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.