FORUMS FORUMS






RLFANS.COM
Celebrating
25 years service to
the Rugby League
Community!

  

Home The Sin Bin The Growing Gap Between Rich And Poor



Post new topic Reply to topic  [ 70 posts ]  Go to page Previous  1 ... 3, 4, 5, 6, 7  Next
Author Message
 Post subject: Re: The Growing Gap Between Rich And Poor
PostPosted: Thu Dec 08, 2011 8:35 am 
International Chairman
Club Coach
User avatar

Joined: Feb 27 2002
Posts: 18060
Location: On the road
cod'ead wrote:Time was when life was much simpler.

If you wanted to own your own house, you first started saving with a building society and once you'd proved to them that you were responsible with money and you'd managed to save the requisite 20% for a deposit, they'd usually grant you a mortgage. If you wanted a loan to buy anything else, you went to a bank or a finance company and borrowed from them, assuming that they thought you were a suitable risk. Similarly, if you wanted to insure your house or your car, you'd go to an insurance company and if you had lots of spare cash and wanted to invest in the stock exchange, you sought out a stockbroker. If you were happy renting or thought that you couldn't afford to own your own home, you rented, usually a decent, sound property from your local council, at an affordable rent.

Then someone had the bright idea of enabling building societies to demutualise and become banks, they'd still offer morgages (as would the banks now) but they'd also offer you loans, insurance, loan-insurance, a stock-trading facility and all other sorts of bollox that nobody knew they needed until these new banks convinced us. These new banks also encouraged people to become property magnates by offering £buy to let" mortgages and houses stopped being somewhere to live but became an "investment for the future"

We also had an old-age pension from the state that offered a comfortable standard of living, especially to a pensioner who rented an old-aged person's bungalow from the council. They still have a similar thing in Norway and they fund it from the revenues generated by Statoil. Now the Norwegians sit on this big pile of gas and oil under the North Sea, when it was first discovered and divvied up, although a few other countries got a look in, the biggest part was shared between the UK and Norway. Round about the time that the bright spark decided that deregulating banks was a good idea, they also thought that flogging off our state-owned oil & gas licensor would also be good for us all. So while the Norwegians now have a sustainable (and will be so for many decades to come), state pension that is underwritten by Statoil, we are engaged in a blame game and a race to the bottom, just to get a few quid into the back pockets of politicians' chums.

No prizes for guessing who was responsible for the deregulation and the fire-sale of state assets


I thought British Gas was sold to the general population? The fact the same day they got their shares they sold them to stockbroker and pocketed the profit is hardly the same as selling it off to their chums now is it?






Your job is to say to yourself on a job interview does the hiring manager likes me or not. If you aren't a particular manager's cup of tea, you haven't failed -- you've dodged a bullet.

Top
   
 
 Post subject: Re: The Growing Gap Between Rich And Poor
PostPosted: Thu Dec 08, 2011 9:02 am 
International Chairman
International Chairman
User avatar

Joined: May 25 2002
Posts: 37704
Location: Zummerzet, where the zoider apples grow
Sal Paradise wrote:I thought British Gas was sold to the general population? The fact the same day they got their shares they sold them to stockbroker and pocketed the profit is hardly the same as selling it off to their chums now is it?


If you think British Gas was responsible for doling out North Sea licences and then generating public revenues from such licences, then you really do need to do some more research before making stupid comments.

Norway now has no national debt, not only that, the oil & gas revenues generated by Statoil (now known as The Government Pension Fund), are currently in surplus by over $200 bn, despite paying out one of the most generous pensions in the world. We flogged ours off, on the cheap, to BP in order to fund tax cuts and pay benefits to people thrown out of work through tory dogma






The older I get, the better I was

Advice is what we seek when we already know the answer - but wish we didn't

I'd rather have a full bottle in front of me than a full-frontal lobotomy
------------------------------------------------------------------------------------------------------------
kirkstaller wrote: "All DNA shows is that we have a common creator."

cod'ead wrote: "I have just snotted weissbier all over my keyboard & screen"

------------------------------------------------------------------------------------------------------------
"No amount of cajolery, and no attempts at ethical or social seduction, can eradicate from my heart a deep burning hatred for the Tory Party. So far as I am concerned they are lower than vermin." - Aneurin Bevan

Top
   
 
 Post subject: Re: The Growing Gap Between Rich And Poor
PostPosted: Thu Dec 08, 2011 1:05 pm 
Player Coach
First Team Player

Joined: Aug 15 2006
Posts: 2471
Ferocious Aardvark wrote:It is what it is. I can't help how you take it. If it distresses you, maybe you should have taken out CBT cover before venturing out on a public forum.

Because obviously you are paid enough, and some are not. Millions have nothing left at the end of the week, and a high percentage of them have no mortgage as they are in rented.

So no, it really isn't.
Oh yeah. http://www.lovemoney.com/news/scams-and-rip-offs/rip-offs/1905/avoid-rip-off-redundancy-insurance. Plus as I mentioned ealier, not only were you paid enough to cover the above, clearly you had even enough surplus dosh to pay redundancy insurance premiums. Self explanatory, really. You have been fortunate in many respects, and seem oblivious to the existence of the millions that are not so lucky.


Sorry, but I'm paid enough, because I budgeted it and live within my means. Something a good portion of people seem unable to do.

My wage is actually irrelevant (although by lowly, I mean a little over minimum wage) as it doesn't matter how much you earn you need to keep your outgoings relative to whatever that figure is, in other words not stretching yourself too thinly financially where the slightest problem will cause financial catastrophe. Many people apparently, do live too close to the that line and then cry about it when it goes wrong for them. My point was simply that that is not living within your means and my problem is why people can't manage that.

Oh and no doubt you'll sight redundancy again, yes it's largely out of your hands if it happens to you, but, and I know this from a colleague who was made redundant, life doesn't end. He didn't get another job for 18 months, he took out a 10k bank loan to cover himself and well as using his redundancy pay and was never under threat of defaulting on his mortgage (which I know he was already pushed to cover). Yes I'm sure it's difficult but with proper planning redundancy is not the end of the world either.

I think it's safe to assume that you think that having outgoings that are anything from 95% - 105% of your income is perfectly acceptable and it's that attitude that people are struggling so much from.
Ferocious Aardvark wrote:It is what it is. I can't help how you take it. If it distresses you, maybe you should have taken out CBT cover before venturing out on a public forum.

Because obviously you are paid enough, and some are not. Millions have nothing left at the end of the week, and a high percentage of them have no mortgage as they are in rented.

So no, it really isn't.
Oh yeah. http://www.lovemoney.com/news/scams-and-rip-offs/rip-offs/1905/avoid-rip-off-redundancy-insurance. Plus as I mentioned ealier, not only were you paid enough to cover the above, clearly you had even enough surplus dosh to pay redundancy insurance premiums. Self explanatory, really. You have been fortunate in many respects, and seem oblivious to the existence of the millions that are not so lucky.


Sorry, but I'm paid enough, because I budgeted it and live within my means. Something a good portion of people seem unable to do.

My wage is actually irrelevant (although by lowly, I mean a little over minimum wage) as it doesn't matter how much you earn you need to keep your outgoings relative to whatever that figure is, in other words not stretching yourself too thinly financially where the slightest problem will cause financial catastrophe. Many people apparently, do live too close to the that line and then cry about it when it goes wrong for them. My point was simply that that is not living within your means and my problem is why people can't manage that.

Oh and no doubt you'll sight redundancy again, yes it's largely out of your hands if it happens to you, but, and I know this from a colleague who was made redundant, life doesn't end. He didn't get another job for 18 months, he took out a 10k bank loan to cover himself and well as using his redundancy pay and was never under threat of defaulting on his mortgage (which I know he was already pushed to cover). Yes I'm sure it's difficult but with proper planning redundancy is not the end of the world either.

I think it's safe to assume that you think that having outgoings that are anything from 95% - 105% of your income is perfectly acceptable and it's that attitude that people are struggling so much from.






Image

Top
   
 
 Post subject: Re: The Growing Gap Between Rich And Poor
PostPosted: Thu Dec 08, 2011 1:18 pm 
All Time Great
All Time Great
User avatar

Joined: May 10 2002
Posts: 47951
Location: Die Metropole
Enicomb wrote:Sorry, but I'm paid enough, because I budgeted it and live within my means. Something a good portion of people seem unable to do...


It's difficult to budget for, say, a 15% hike in domestic fuel bills – especially when your pay has been frozen (ie cut) for a couple of years or so, or your employer is looking to actually slash your pay (sack you and then rehire on far worse terms).






"You are working for Satan." Kirkstaller

"Dare to know!" Immanuel Kant

"Do not take life too seriously. You will never get out of it alive" Elbert Hubbard

"We are all in the gutter, but some of us are looking at the stars." Oscar Wilde

The Voluptuous Manifesto – thoughts on all sorts of stuff.

Top
   
 
 Post subject: Re: The Growing Gap Between Rich And Poor
PostPosted: Thu Dec 08, 2011 1:59 pm 
International Chairman
International Board Member
User avatar

Joined: Feb 17 2002
Posts: 28357
Location: MACS0647-JD
Mintball wrote:It's difficult to budget for, say, a 15% hike in domestic fuel bills – especially when your pay has been frozen (ie cut) for a couple of years or so, or your employer is looking to actually slash your pay (sack you and then rehire on far worse terms).


No, if you're Enicomb, you'll already have built-in to your reserves calculation any such contingency. If you didn't, you're a profligate fool who deserves no sympathy.






Last edited by Ferocious Aardvark on stardate Jun 26, 3013 11:27 am, edited 48,562,867,458,300,023 times in total

Top
   
 
 Post subject: Re: The Growing Gap Between Rich And Poor
PostPosted: Thu Dec 08, 2011 2:59 pm 
In The Arms of 13 Angels
In The Arms of 13 Angels
User avatar

Joined: Feb 26 2002
Posts: 14522
Location: Online
cod'ead wrote: ... They still have a similar thing in Norway and they fund it from the revenues generated by Statoil...

In Alaska they were (at least until recently and maybe still are) paying dividends on the oil direct to individual households.
Bunch of pinkos, those Alaskans.






Freedom without Socialism is privilege and injustice.
Socialism without freedom is slavery and brutality.

Top
   
 
 Post subject: Re: The Growing Gap Between Rich And Poor
PostPosted: Thu Dec 08, 2011 4:19 pm 
International Chairman
International Chairman
User avatar

Joined: Feb 26 2002
Posts: 32466
Location: Leeds
Enicomb wrote:Oh and no doubt you'll sight redundancy again, yes it's largely out of your hands if it happens to you, but, and I know this from a colleague who was made redundant, life doesn't end. He didn't get another job for 18 months, he took out a 10k bank loan to cover himself and well as using his redundancy pay and was never under threat of defaulting on his mortgage (which I know he was already pushed to cover). Yes I'm sure it's difficult but with proper planning redundancy is not the end of the world either.



Presumably he had to leave his wife and kids in the bank vault as security - or are you seriously suggesting that if I fill in an application form for a loan from my current bank this afternoon and declare myself as unemployed they'll happily divvy up the £10K ?

I'll tell you without trying - Santander won't.






Someday everything is gonna be different, When I paint my masterpiece
------------------------------------------------------
The Jerry Chicken Blog Page
------------------------------------------------------
BUY MY ART ONLINE AT ARTGALLERY.CO.UK

AT THE RIPPINGHAM GALLERY
....................................................................
ART PROFILE
...................................................................
On Twitter
...................................................................
On Facebook
...................................................................

Top
   
 
 Post subject: Re: The Growing Gap Between Rich And Poor
PostPosted: Thu Dec 08, 2011 6:16 pm 
Player Coach
Player Coach
User avatar

Joined: Aug 14 2005
Posts: 14302
Location: On the Death Star Awaiting Luke.
McLaren_Field wrote:Presumably he had to leave his wife and kids in the bank vault as security - or are you seriously suggesting that if I fill in an application form for a loan from my current bank this afternoon and declare myself as unemployed they'll happily divvy up the £10K ?

I'll tell you without trying - Santander won't.
TBH his whole post had so many holes in it I got bored and didnt even bother getting to the end of it.






If you only knew the POWER of the dark side.

Top
   
 
 Post subject: Re: The Growing Gap Between Rich And Poor
PostPosted: Thu Dec 08, 2011 6:59 pm 
Player Coach
Player Coach
User avatar

Joined: Oct 21 2006
Posts: 10852
Taking out a 10k bank loan whilst unemployed! Comedy gold!






Christianity: because you're so awful you made God kill himself.

Top
   
 
 Post subject: Re: The Growing Gap Between Rich And Poor
PostPosted: Thu Dec 08, 2011 9:49 pm 
International Star
Academy Player

Joined: Jan 23 2011
Posts: 365
Ferocious Aardvark wrote:It is what it is. I can't help how you take it. If it distresses you, maybe you should have taken out CBT cover before venturing out on a public forum.

Because obviously you are paid enough, and some are not. Millions have nothing left at the end of the week, and a high percentage of them have no mortgage as they are in rented.

So no, it really isn't.
Oh yeah. http://www.lovemoney.com/news/scams-and-rip-offs/rip-offs/1905/avoid-rip-off-redundancy-insurance. Plus as I mentioned ealier, not only were you paid enough to cover the above, clearly you had even enough surplus dosh to pay redundancy insurance premiums. Self explanatory, really. You have been fortunate in many respects, and seem oblivious to the existence of the millions that are not so lucky.


I agree wholeheartedly with this post (and subsequent ones) but must take issue with your point about Redundancy Insurance. I have Redundancy Insurance and it is relatively cheap, covers the important things and in today's uncertain world is pretty much essential.

The article provided was written in 2008 and is no longer relevant - "A good choice is to put your emergency cash in a high-interest savings account such as the market-leader, Kaupthing Edge Savings which currently pays 6.55% AER on easy access savings."

Good luck with that.....
Ferocious Aardvark wrote:It is what it is. I can't help how you take it. If it distresses you, maybe you should have taken out CBT cover before venturing out on a public forum.

Because obviously you are paid enough, and some are not. Millions have nothing left at the end of the week, and a high percentage of them have no mortgage as they are in rented.

So no, it really isn't.
Oh yeah. http://www.lovemoney.com/news/scams-and-rip-offs/rip-offs/1905/avoid-rip-off-redundancy-insurance. Plus as I mentioned ealier, not only were you paid enough to cover the above, clearly you had even enough surplus dosh to pay redundancy insurance premiums. Self explanatory, really. You have been fortunate in many respects, and seem oblivious to the existence of the millions that are not so lucky.


I agree wholeheartedly with this post (and subsequent ones) but must take issue with your point about Redundancy Insurance. I have Redundancy Insurance and it is relatively cheap, covers the important things and in today's uncertain world is pretty much essential.

The article provided was written in 2008 and is no longer relevant - "A good choice is to put your emergency cash in a high-interest savings account such as the market-leader, Kaupthing Edge Savings which currently pays 6.55% AER on easy access savings."

Good luck with that.....

Top
   
 
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 70 posts ]  Go to page Previous  1 ... 3, 4, 5, 6, 7  Next





It is currently Sun Nov 24, 2024 3:36 am


Who is online

Users browsing this forum: No registered users and 153 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Search for:
Jump to:  


It is currently Sun Nov 24, 2024 3:36 am
RLFANS Recent Posts
FORUM
LAST
POST
TOPIC
POSTER
POSTS
FORUM
LAST
VIEW
TOPIC
POSTER
POSTS
8s
2025 Recruitment
dddooommm
199
23s
Shopping list for 2025
The games af
5579
33s
BORED The Band Name Game
Boss Hog
63232
38s
DoR - New Coach - Investor & Adam - New signings
The Dentist
4029
1m
Film game
karetaker
5662
1m
War of the Roses
sally cinnam
35
3m
Other Championship Clubs
FIL
418
3m
Pre Season - 2025
RockNRolla
184
3m
Game - Song Titles
Boss Hog
40739
3m
Fixtures 2025
Jake the Peg
69
FORUM
NEW
TOPICS
TOPIC
POSTER
POSTS
TODAY
Mike Ogunwole
Wanderer
1
TODAY
Bailey Dawson
Wanderer
1
TODAY
2024
poplar cats
12
TODAY
Dan Norman Retires
Cokey
1
TODAY
How many games will we win
Trojan Horse
21
TODAY
Leigh Leopards - 2025 Fixtures
Bent&Bon
3
TODAY
Catalan Away
Dannyboywt1
6
TODAY
2025 Betfred Super League Fixtures
RLFANS News
1
TODAY
2025 fixtures
Smiffy27
15
TODAY
Fixtures
Willzay
13
TODAY
Salford
Uncle Rico
18
TODAY
WCC Off
Choc Ice
11
TODAY
Leeds away first up
Big lads mat
49
TODAY
Jake McLoughlin
Wanderer
1
TODAY
Assistant Coach - Langley
exiledrhino
30
TODAY
Noah Booth out on loan
Big lads mat
22
TODAY
Luke Gale testimonial match
BarnsleyGull
2
NEWS ITEMS
VIEWS
2025 Betfred Super League Fixt..
893
Magic Weekend 2025 - Back To N..
566
England Beat Samoa To Take Tes..
1294
England's Women Demolish The W..
1126
England Beat Samoa Comfortably..
1364
Operational Rules Tribunal –..
1149
IMG-RFL club gradings released..
1413
Wakefield Trinity Win Champion..
1957
Hunslet Secure Promotion After..
2164
Trinity Into Play Off Final Af..
2407
Wigan Warriors Crowned Champio..
1974
York Valkyrie Win Back to Back..
2214
Hunslet Book Relegation Play O..
2680
Penrith Panthers Secure Fourth..
2106
Wigan Humiliate Leigh For Gran..
2178
RLFANS Match Centre
Matches on TV
Thu 13th Feb
SL
20:00
Wigan-Leigh
Fri 14th Feb
SL
20:00
Hull KR-Castleford
SL
20:00
Catalans-Hull FC
Sat 15th Feb
SL
15:00
Leeds - Wakefield
SL
17:30
St.Helens-Salford
Sun 16th Feb
SL
15:00
Huddersfield-Warrington
Thu 20th Feb
SL
20:00
Wakefield - Hull KR
Fri 21st Feb
SL
20:00
Warrington-Catalans
SL
20:00
Hull FC-Wigan
Sat 22nd Feb
SL
15:00
Salford-Leeds
SL
20:00
Castleford-St.Helens
Sun 23rd Feb
SL
14:30
Leigh-Huddersfield
Thu 6th Mar
SL
20:00
Hull FC-Leigh
Fri 7th Mar
SL
20:00
Castleford-Salford
SL
20:00
St.Helens-Hull KR
Sat 8th Mar
SL
17:30
Catalans-Leeds
Sun 9th Mar
SL
17:30
Warrington - Wakefield
SL
17:30
Wigan-Huddersfield
Thu 20th Mar
SL
20:00
Salford-Huddersfield
Fri 21st Mar
SL
20:00
St.Helens-Warrington
This is an inplay table and live positions can change.
Mens Betfred Super League XXVIII ROUND : 1
 PLDFADIFFPTS
Wigan 29 768 338 430 48
Hull KR 29 731 344 387 44
Warrington 29 769 351 418 42
Leigh 29 580 442 138 33
Salford 28 556 561 -5 32
St.Helens 28 618 411 207 30
 
Catalans 27 475 427 48 30
Leeds 27 530 488 42 28
Huddersfield 27 468 658 -190 20
Castleford 27 425 735 -310 15
Hull FC 27 328 894 -566 6
LondonB 27 317 916 -599 6
This is an inplay table and live positions can change.
Betfred Championship 2024 ROUND : 1
 PLDFADIFFPTS
Wakefield 27 1032 275 757 52
Toulouse 26 765 388 377 37
Bradford 28 723 420 303 36
York 29 695 501 194 32
Widnes 27 561 502 59 29
Featherstone 27 634 525 109 28
 
Sheffield 26 626 526 100 28
Doncaster 26 498 619 -121 25
Halifax 26 509 650 -141 22
Batley 26 422 591 -169 22
Swinton 28 484 676 -192 20
Barrow 25 442 720 -278 19
Whitehaven 25 437 826 -389 18
Dewsbury 27 348 879 -531 4
Hunslet 1 6 10 -4 0
RLFANS Recent Posts
FORUM
LAST
POST
TOPIC
POSTER
POSTS
FORUM
LAST
VIEW
TOPIC
POSTER
POSTS
8s
2025 Recruitment
dddooommm
199
23s
Shopping list for 2025
The games af
5579
33s
BORED The Band Name Game
Boss Hog
63232
38s
DoR - New Coach - Investor & Adam - New signings
The Dentist
4029
1m
Film game
karetaker
5662
1m
War of the Roses
sally cinnam
35
3m
Other Championship Clubs
FIL
418
3m
Pre Season - 2025
RockNRolla
184
3m
Game - Song Titles
Boss Hog
40739
3m
Fixtures 2025
Jake the Peg
69
FORUM
NEW
TOPICS
TOPIC
POSTER
POSTS
TODAY
Mike Ogunwole
Wanderer
1
TODAY
Bailey Dawson
Wanderer
1
TODAY
2024
poplar cats
12
TODAY
Dan Norman Retires
Cokey
1
TODAY
How many games will we win
Trojan Horse
21
TODAY
Leigh Leopards - 2025 Fixtures
Bent&Bon
3
TODAY
Catalan Away
Dannyboywt1
6
TODAY
2025 Betfred Super League Fixtures
RLFANS News
1
TODAY
2025 fixtures
Smiffy27
15
TODAY
Fixtures
Willzay
13
TODAY
Salford
Uncle Rico
18
TODAY
WCC Off
Choc Ice
11
TODAY
Leeds away first up
Big lads mat
49
TODAY
Jake McLoughlin
Wanderer
1
TODAY
Assistant Coach - Langley
exiledrhino
30
TODAY
Noah Booth out on loan
Big lads mat
22
TODAY
Luke Gale testimonial match
BarnsleyGull
2
NEWS ITEMS
VIEWS
2025 Betfred Super League Fixt..
893
Magic Weekend 2025 - Back To N..
566
England Beat Samoa To Take Tes..
1294
England's Women Demolish The W..
1126
England Beat Samoa Comfortably..
1364
Operational Rules Tribunal –..
1149
IMG-RFL club gradings released..
1413
Wakefield Trinity Win Champion..
1957
Hunslet Secure Promotion After..
2164
Trinity Into Play Off Final Af..
2407
Wigan Warriors Crowned Champio..
1974
York Valkyrie Win Back to Back..
2214
Hunslet Book Relegation Play O..
2680
Penrith Panthers Secure Fourth..
2106
Wigan Humiliate Leigh For Gran..
2178


Visit the RLFANS.COM SHOP
for more merchandise!












.