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Money
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Money or Happiness?
i know its like an old age thing blah blah but seriously, if we work like two thirds of out lives, well most of us do, would you a) stay in a job that is well paid and has good propects and pay rises every yr etc or b) a less paid job but still enough to live comfortably,more free time for you(ME),and no stress what would you choose or this option abit far fetched c) go off and join the forces,get a career,training,all things paid for,loadsa £££££ and all for 7-10 yrs of your life and then come back to civi street?
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September 21, 2016 at 3:45 pm
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Love vs Money
Love or money which is more important for you, which one you will choose if you only can choose one of them. Why?
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July 12, 2013 at 5:38 pm
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Last Item Purchased On Ebay?
What was the last couple of things you bought off ebay?
Light Blue Belt
100 Gelatin Empty Capsules Size 00
Tech Deck (Gotta love em)
1G of Kratom 50X
i bought quite a few more things in the last couple of days but i'll stick to these:love:
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March 12, 2013 at 11:02 pm
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Stealing
What was the last thing you stole?
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March 2, 2013 at 4:27 pm
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JSA/Hardship fund and how to live on benefits indefinately?
Please those who have a (negative) moral emotional reaction to the subject matter don't bother replying. I don't want to get into my ethics here.
I have been living happily on government benefits for almost a year now claiming JSA and housing benefit.
I have to have another interview soon which I believe is my third 'restart' interview. I have had a suspicion for a while in the back of my mind that one day they will want me to go into 'compulsory' schemes to begin encouraging me more sternly back to work. Others say this either never comes or the schemes are a breeze anyhow. I still haven't received or found any definitive information regarding this. What are other's experience on this who have been on JSA for a year or more? Is there any increasing pressure to get you back to work or can I continue this cycle indefinitely without them escalating (at least significantly) in their pressure for me finding a job?
I can almost live on housing benefit alone as I live very frugally, but it's mainly that I have to claim JSA to keep being entitled to HB as they need to see the viable source of my low income.
I have also been reading up on the hardship provision and have heard several homeless looking fellows (not judging just saying) asking for it in the past in my local Job Seekers office. I have only read the same rhetoric online about who is entitled to this- those unwilling or unable to work for whatever reason, but no literature on how it is paid. As I can (almost) live of HB alone then claiming hardship fund may be an alternative to JSA should my circumstances change. My main query is how is it paid and do I have to go in and sign up periodically as with the JSA or is it just transfered straight into my account? Presumably I won't have to do the actively seeking work farce with hardship provision as that is not one of the criteria for hardship fund. So anyone who has info on this also please give me a heads up.
Thanks.
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March 2, 2013 at 11:14 am
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Which Country has the best economy?
Please post past and present statistics or comment if you know anything of valuable information.
Australia
Sweden
Dubai
USA
Canada
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October 13, 2012 at 2:50 pm
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Job Hunting
Anyone currently doing this? just spent an hour looking. One job to apply for. This is going to be a long and depressing experience I fear. Cant even find volunteer work worth doing. God I hate this world sometimes.
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June 12, 2011 at 2:21 pm
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fuel prices.
what the fuck?! how come its gone up about 15p in the last 2months? wheres the road blocks and the protests! takes the piss!:hopeless:
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January 18, 2011 at 1:01 pm
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The British Economy
I'm sightly surprsied that there haven't been any topics on here about the state of the british economy, given that we are closer than any other country in the world to going bankrupt... escentially following Iceland
i don't normally agree with much Polly Tonybee has to say but with this article she is absolutely bang on
Owners must be weaned off the house-price drug
Now is the time to be honest about what is needed to avoid another wild boom: taxes geared to discourage inflation
Kick-starting the housing market is the urgent priority, isn't it? The engine is dead, not even a splutter. Brown and Darling keep stamping and jump-starting, but house prices keep falling by £140 a day. Rising repossessions will feed back into the loop, accelerating the price fall. New home building is down by some two thirds, and 450,000 construction jobs may be gone by next year.
So the government put money into preventing repossessions, and yesterday Northern Rock was reborn as a lender able to offer mortgages of up to 90%. HomeBuy Direct will soon offer mortgages to some 15,000 first-timers. It's a start, yet only a fraction of what used to be lent. But what, exactly, is the aim? House prices are still far too high - they are only back to about 2006 levels, still crazy money. Prices need to fall further to regain any reasonable multiple of people's incomes.
But every time prices fall, another round of bad debts hurt the banks' balance sheets and the taxpayer has to pump in more. The nation is still deeply dependent on house prices rising for ever. We still live in a bubble economy, with no way to live except by reinflating it. The state itself has been mainlining on the house-price drug, as addicted as the happy home-owners.
With five million on the housing waiting lists, the state acquired much social housing by demanding that property developers add in a quota for free. Through section 106 planning agreements, developers had to build schools, GP clinics, playgrounds and roads to pay back some of the value bestowed with planning permission.
All this, however, depended on ever-soaring house prices. If profits now return to earth, who will pay for all that infrastructure? Housing associations, councils and government depended on price inflation as much as property developers did.
When Gordon Brown moved into No 10 promising 3m new homes to make up for Labour's failure to build, that too depended on permanently rising prices. That explains the ambivalence about what housing policy should be now. So desperate is everyone to get the market moving that first-time buyers are rashly wooed with grants to buy homes that may ruin them if prices keep dropping.
Please can we have our bubble back, clamours just about everyone. The 70% who own homes and those who dashed into buy-to-let property yearn for the magical unearned wealth that came from nowhere. Most people will only judge that the slump is over on the day they see prices rise again in their local estate agent's windows. Normality returns at last! Everyone knows this fairy money caused the crisis, but since about 2003 real incomes have hardly risen, except among the top 10% of earners. House prices sustained the feelgood spending. Where, many economists ask nervously, is our growth to come from now if not in fantasy finance or property boom?
Sober observers watching the government trying to start the dead motor of the housing market warn that once the engine catches, an uncontrollable, rocket-fuelled turbo take-off will leave them standing. Pent-up demand is high: plenty of people have money to invest if they see a chance. Property speculation is hardwired in the British brain after decades of a one-way bet - with only a few small blips. Bricks and mortar are our pensions, piggybanks, casinos, our children's university and their first flat deposit. How do we return to regarding a home as just another commodity like saucepans?
Revive the private rented sector, the experts say. Be like France and Germany, where most people rent for life and young families aren't crippled with mortgage debt. But ask these same experts if they own their homes: they do. Ask if they help their children to buy and they do - with good reason. The British tax system urges us to use property as a bank, because it is barely taxed. In countries with a balanced choice between buying and renting, property is taxed the same as other investments. But not here.
Now is the time to tell people that house prices will not be allowed to go mad again. Announce a tax to be imposed on future gains (not retrospectively). There are plenty of ways to do it. Some administrations impose an annual tax, including many US states. Some urge a land value tax system. It would be easy to impose capital gains tax on all future rises: that 18% on any inflation in value, only to be paid on selling it, could stop another bubble. The money raised could be earmarked for building social and private rented homes, or helping others to buy.
But suggest that to politicians and they blanche at the very idea, even while agreeing that it should be done - in theory. Parties that dare not revalue the banding system for council tax - which has unchanged since 1991, letting enormous wealth escape even that modest rise - are certainly not in a mood to challenge the Englishman's right to inflate his bouncy castle. Current pressure is all for even less tax. Property developers want to escape their section 106 planning gain obligations. Progress suggests a stamp duty holiday. Inheritance tax cuts will ensure virtually no family homes are ever taxed.
The colossal housing shortage helps fuel BNP support. The government is trying to build, allowing councils to borrow and build again, a bit. Land is being acquired cheaply from bankrupt developers. The new Homes and Communities Agency is putting together a commercial consortium to build £1bn worth of private rented property. Northern Rock could become the national good lender bank. But none of this is enough to hold back the mighty thrust of the property market once it sets off again.
Light the blue touch paper and this small island with huge housing need and tight planning controls will see another unsustainable boom, South Sea and tulips all over again. Almost alone in the world, our tax regime is purpose-built to inflate property. Shares, savings and pensions have taken a hard knock: bricks and mortar will still be a better bet while they are untaxed. Most people will stay both seduced and enslaved by property, while 30% have no chance of joining in, apart for ever in social housing ghettos. Ignore any politicians talking about rebalancing the housing mix between ownership and renting, unless they are willing to use tax to dampen the incentive to buy.
polly.toynbee@guardian.co.uk
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February 26, 2009 at 4:26 pm
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5,000-year-old pay stub shows that ancient workers were paid in beer
5,000-year-old pay stub shows that ancient workers were paid in beer | Ars Technica UK
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June 29, 2016 at 9:00 pm
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Rolls-Royce’s New Luxury Luggage Set Costs More Than A Mercedes
My god......
Rolls-Royce's New Luxury Luggage Set Costs More Than A Mercedes
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May 3, 2016 at 11:34 am
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Illegal Drug Money Saved Banking Collapse
In December 2009, the United Nations' Drugs and Crime Tsar Antonio Maria Costa claimed that illegal drug money saved the banking industry from collapse. He claimed he had seen evidence that the proceeds of organised crime were "the only liquid investment capital" available to some banks on the brink of collapse during 2008. He said that a majority of the US$352bn (£216bn) of drugs profits was absorbed into the economic system as a result. "In many instances, the money from drugs was the only liquid investment capital. In the second half of 2008, liquidity was the banking system's main problem and hence liquid capital became an important factor...Inter-bank loans were funded by money that originated from the drugs trade and other illegal activities... There were signs that some banks were rescued that way". Costa declined to identify countries or banks that may have received any drug money, saying that would be inappropriate because his office is supposed to address the problem, not apportion blame
:laugh_at:
sweeeeeet
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April 27, 2015 at 12:26 am
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Bitcoin Debit Card
RAXcard.com provides anonymous (No Name) prepaid debit card to any one, no matter, in what country you are living. RAXcard.com Prepaid card accepted worldwide for online shopping and ATM withdrawal.
Bitcoin Debit Card
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January 10, 2014 at 7:17 pm
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Cashout your perfect money with high rate available in the market
Exkash.com is working in E-currency fields as an automatic and trusted company, we have served so many customers worldwide professionally. if you are dealing with perfect money and want to cashout perfect money to your bank account or western union, it is easiest and safe way to cashout your perfect money funds...
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January 2, 2014 at 12:37 pm
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money week scary ad vid
so some of you must have seen this ad on youtube by now... all i'll say is i don't like vids that only have the option to paws
The End of Britain Video - MoneyWeek
thoughts ?
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December 16, 2013 at 10:14 pm
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Debts to the council
Hypothetically speaking, suppose someone owed two months of housing benefit to the council because they didn't inform them that their JSA had stopped. Suppose this debt had been passed on to debt collecters, but they have no idea of where the person lives. What kinda situation would this person be in?
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December 14, 2013 at 5:55 pm
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Morgagaes
Is anyone else here a home owner?
I have a home and a fair sized mortgage which I'm SLOWLY paying off. Thank god interest rates have stayed low during the GFC. It's been pretty tough going for my family and I since 2008 though. Keeping our heads above water financially hasn't been easy but we're getting there I think / hope...
Anyway it would be interesting to hear other people experiences of owning a home. Has it worked out for you? Or is it something you regret somehow?
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November 27, 2013 at 1:35 pm
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Credit Unions
Just wondering if anyone here uses (saves to or loans from) a local Credit Union?
From what I've been reading I see no good reason not to open an account and put some money in there every month. Would seem there's almost no risk as your cash is protected just it would be in a highstreet bank.
They're useful to anyone who needs to take out a short term 'pay-day' type loan, as they're not allowed to charge more than 25% APR.
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November 14, 2013 at 11:59 pm
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How we can invest money in funds?
Now a days everyone earn money through online marketing.we can invest money online in funds also.if we invest money in funds systematically like venture capital funds,sme joinup etc, we can earn money more and more safely.
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October 15, 2013 at 1:06 am
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how to make money with investment
how to make money with investment in commodity market.
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September 15, 2013 at 11:52 pm
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Exclusive Book Launch Party & Wine Tasting: THE ZEN of EXECUTIVE PRESENCE by David A
Join us for the anticipated book launch and wine tasting party hosted by David A. McKnight, certified image consultant and author of, “The Zen of Executive Presence: Build Your Business Success through Strategic Image Management.” The event will be held on Friday, October 4th, 2013 at the Harlem Wine Gallery located at 752 St. Nicholas Ave, New York, NY 10031, between 147th and 148th street, from 7:00pm until 10:00pm.
Guests will have the opportunity to have their purchased books signed by author David A. McKnight while enjoying complimentary wine tastings of wines personally selected by the author himself. The new book will present its readers with guidelines, tips, and ideas on how to achieve success through one’s personal and professional wardrobe and image. McKnight has created an all-encompassing model to help those looking to gain the confidence, assurance, and authenticity to assist them in their current and future professional lives.
All attendees must RSVP to the event by logging on to https://authordavidmcknight.eventbrite.com or by sending an RSVP email to mtatum@beautifulplanning.com.
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September 12, 2013 at 1:26 pm
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online shopping vs. traditional shopping
I find shopping online a lot easier for some things but having to wait for them to be delivered can be a pain. Being able to buy things more cheaply from overseas helps. Ebay is good too, being able to sell thing I no longer have a use helps my cash flow and you'd be amazed what people will buy and at what price... Anyhoo, horse for courses I guess.
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August 26, 2013 at 2:03 pm
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Eternal marketing truths
A lot has changed in the marketing world since the days of radio and print advertisements. Today marketers can reach thousands of people in seconds by using email and text messages. Despite all the changes however, some basic truths about marketing remain and always will. Mobile marketers who think they can break those rules should think again.
Ten basic lessons
Here’s a look at 10 marketing lessons that mobile marketers would do well to remember:
1. The customer is king or queen. The customer must be the center of all your marketing efforts. In all your mobile communication make sure your customers are becoming your friends.
2. Relationships take time. Don’t be in such a hurry to shove information down your customers’ throats. Take time to listen to them and hear their feedback. When you do send messages to them, make them as concise and simple as possible. Confused customers don’t buy.
3. The customer says what the brand is. Marketers shouldn’t try to control the brand image, the customer is in charge of that. The marketer’s job is to steer customers in the right direction not try to control how they view the brand.
4. What you say may not be what they hear. Do more listening than talking, make sure that the message they’re hearing is the messaging that you’re intending to send. A good marketer is constantly fine tuning the message to reduce the opportunity for miscommunication.
5. Creating buzz can be good and bad. In other words, create good buzz, the type that generates awareness of your product or service. Avoid bad buzz that tends to just annoy people.
6. It’s easier to hit a big target than lots of little ones. Don’t try to break your audience down to many tiny groups and create separate messages for each of them. Try to find commonality in your audience and create one message to reach all of them.
7. Numbers lie. Most research is done only to confirm what you already believe. Try to be open-minded about research and rely heavily on customer input.
8. Satisfaction is a starting point, not the end goal. Don’t settle for satisfied customers, seek to create passionate, even fanatic, customers.
9. Rome wasn’t built in a day. Be patient with customers as you grow your brand. Don’t expect customers to be loyal and trusting right at first.
10. Immediacy can be bad. Just because you can send out a message that can be read by thousands in just a few seconds doesn’t mean you should. Think long and hard about what you say and how you say it before putting it out for everyone to see...
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August 22, 2013 at 10:19 pm
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