It IS A fiasco

Thank you Chancellor for raising the Limit on ISAs to £15k and amalgamating Cash and Stocks & Shares Isas into the allowance, Wonder why he's raised the allowance? Well currying favour with the Grey Vote - too little too late. Savings are the lowest for along time. Why save when your money is losing value all the time, interest rates are pathetic. Tax on very lkittle is very little so he's not losing much at all.

If you wonder why people don't take up ISA's then its because

1. Interest rates are pathetic Interest on £5k or interest on £15 ? well 3 x 0 = 0
2. Banks con you - attractive rate for first year then plummets to nothing - do they tell you - well in the small print but hope by next year you've forgaotten
3. Banks con you - various restirictions - can't move from one ISA to another, no transfers in, penalties for withrawals etc.
4. Ordinary Peopl e are poor - they need their money to live. 
5. If you've more than£15k put it somewhere else 

Bet sCameron and co don't bother!

I could mention similar things about pensions - another day. 

This country has been hurt by low interest rates. Saving is the life blood - spend only when you can afford it, borrowing is what got us in this mess. If Osborne upped the savings rates in say National Savings then he'd rake in money which he could use to start the economy moving. That's the way it used to be. If everybody's borroing then where does the money actuyally come from?

Electric Mayhem

SO good idea Boris's Electric Cars, pity that Electric Cars have stalled across the country.

Charging points are so and few between the Electric Car will only be useful for short distance commuters, and those that do venture out afar have to take numerous cables because there is no standard. What we all need is the "Magnetic Induction" charging system.  They use it in Europe and also on Milton Keynes for Electric buses.

Its ridiculous that in this wealthy country we have developed this system. It will be seen as ridiculous in years to come. 2054 "oh and in 2014 they actually had to connect their cars with a cable to charge them, What a ridiculous idea and the Health and safety implications eh! Ha Ha ha!" Just like now when last century we had Gas lamps.The technology can be put under parking bays anywhere or even on the open road. Imagine stopping at the lights and getting charged up! Of course it wouldn't be free but to get a charge you maybe had some sort of metering like using a sat nav.
See this - Last year, South Korea switched on a 12km (7.5-mile) road which can recharge electric vehicles as they drive over it, without the need for vehicles to stop at all. Two public buses are using the Online Electric Vehicle system, or OLEV, in the South Korean city of Gumi.

The technology means the vehicles can be fitted with smaller, lighter batteries, reducing the amount of power required to drive them.

Come on Cameron and Osborne use the Green levy for something really useful, bring us into the 21st Century and eliminate Petrol/Diesel cars!

BBC - trying to save money?

Making BBC 3 online to save money?

Well why not go the whole hog? Privatise the BBC and save every household £145.50 a year PLEASE.

Why should they get £32 billion a year of our money for  ENTERTAINMENT?

Entertainment tax - Mr os"Borne Conspiracy" - take note  - we want FREEDOM to CHOOSE - TV or not TV.

Thanks.

Savers being abandoned

I have said exactly this before. the Government should be ashamed at its treatment of savers.

Energy Price Hike - what should Dave do?

Now we are being hit, just when the winter begins. Last winter was bad enough I guess our bills went up by around 15% because of the cold.

On my bill there is approximately 15% that is Tax. 5% is VAT the rest is the Social Payment! That is what they pay to the Windfarm Gold Miners.

OBSCENE. Pensioners and people on beneits are Taxed to make greedy landowners ever RICHER. Robbing the poor to make the rich richer,


Have I mentioned the MILLIONS that the Windfarm owners GENERATE in income?

LOOK

4 x Turbines producing 10MWh

Even at 30% efficiency over 25 years they GENERATE 
£61 million!!

Not to mention if they're in the wrong place and can't export their power the owners get even MORE in CONSTRAINT payments.

Appallingly obscene.

WE'RE Paying for this. Write to your MP to get it stopped.

Total MWh of Farm	Percentage Efficiency	Total annual MWh produced	ROC price	Wholesale Electricity price	Total annual income	25year income
			44	50
10	1	87600	£3,854,400.00	£4,380,000.00	£8,234,400.00	£205,860,000.00
10	0.5	43800	£1,927,200.00	£2,190,000.00	£4,117,200.00	£102,930,000.00
10	0.3	26280	£1,156,320.00	£1,314,000.00	£2,470,320.00	£61,758,000.00
2.6	0.3	6832.8	£300,643.20	£341,640.00	£642,283.20	£16,057,080.00

Make the Unemployed do something

2 things here.

1. Why make folk forever - till they drop - when there are folk (younger) who need jobs?
2. People can't be beaten in to getting jobs.

If the long term unemployed genuinely can't get jobs look into why?

1. Help older folk retire and give their job to the unemployed
2. Maybe they need training/educating?

We are told often enough that there is a shortage of skilled people so TRAIN them.

It starts in schools  - too many young folk end up as NEETS. We need to stop this else we end up funding them in a life on the dole.

Set up some training for them. I remember years ago I was unemployed and got on a Manpower Services 30 week course, got paid a reasonable allowance and expenses and trained in Computer Programming. Started a new career and still doing it.

It can be set up with Companies, they train you, they help you look for a job.

I certainly don't agree with a "life on the dole", but more carrots (with strings).

Maybe the MPs could do with more "helpers" - that would save money then they wouldn't have to"employ" their families!

Spend it while you can.

No hope for the thrifty.

As I said before used to be you saved up and lived within your means. Not now.

With inflation at 2.8% and savings rates at less then 2% before tax you're losing money fast. 

Spend it now before you can't afford the things you want. Or live on borrowed money while its cheap. I think every body is doing but isn't that why we're in this mess?

sCameron and the Osborne Conspiracy don't get it. They are RICH after all and in with the Bankers.

Pensions - sCAmeron up to tricks

So you know when the £140 flat pension comes in? Well we're paying for it.

More news on  what the osBorne Conspiracy is really up to.

Those of you like me in Local Government have a "contracted out" pension. WE forego the earnings related bit and thus get a discount on our NI (National Insurance). Well I 've just found out that whe the new pension comes in the Discount is abolished so all of us on "contracted out" pension will face at least a 1.6% rise in our contricbutions and if, like me you've not had a pay rise for 3 years, that'll be another PAY CUT. 

More money off the hard working top pay for the Bankers Mess! 

Lost Pensions Scandal

I've said this before people pay into pensions and then change jobs and its lost. This is the biggest scandal. We need the Swiss system, where your pot goes with you for life.

The Government should not let the Bankers make millions yet again at our expense. Capped fees and if people know their pension is safe they'll be more inclined to save. Saving helps the Government and we all share in the benefits.

Come on don't let this go on as another osBorne Conspiracy!

Pay in little and the bankers take their share and make millions out of us all.

Are electric cars green?

Yes I've always wondered about electric cars? £15k cheapest can only go 100miles. Get a new car for £8k and spend £7k on fuel? Hmmmm - know what I'll do.

Considering the state of this country's energy industry better get a horse!

Last Word on Margaret Thatcher

Sad news that she's passed away. RIP Maggie.

Whatever you think she was our one and only Woman Prime Minister. Whether you agree with her politics or not she did stick to her guns which is more that sCameron does. (Does he belive in anything?).

Remember when she came to power Britain was a basket case. We were worse that Greece/Ireland/Cyprus are now. We need a bailout from th eIMF to keep going. No wonder things were dire. Drastic actions was called for, curb the power of the unions, and cut out waste. We couldn't afford to subsidise all those nationalised industries like coal and rail.

Then it was a courtesy of Labour's legacy. Now they've done it again. Blair and co have left us Bankrupt again, we need a Thatcher to rescue us again.

We're all doomed

How about the osBorne Conspiracy spends some money on some new Power Stations? That will do 2 things - plenty of jobs for those building them and running them. If Nuclear - no global warming, cheaper to run, and build them in areas where there is no other employment CUMBRIA!

2 things - 2 it will stop the lights going out in a year or 2. That stupid Government that let the Dash for Gas go on has done it.

YOU'LL BE SORRY

If we don't then there won't be an economic recovery EVER.

Remember I did say that we need to end Fuel Poverty, take off the unfair Energy Tax remember those who are at the lowest end pay the MOST for fuel and the Government of Mr sCameron gets 10% Energy tax.

Scam and conspiracy

Yep - Scameron and the osBorne Conspiracy have done it again with this disasterous budget.

Yes £10k before Tax is to be applauded but that's all.

Nowt for married couples. They just gave back thousands to folk on over £150k - poor souls. 

1p back on beer and no duty rise on Petrol/diesel. So its less expensive to go to the Pub!

What about those crippled by rising costs of Gas and Electricity? £1500 a year average whatever your income. At least 10% of that is tax and it hits the low earners (I include all income, e.g. pensioners) hardest. If you keep your use to a minimum and you'r on £5k a year 5% VAT hits you hardest especially as Tariffs are highest at the bottom end.

Biliionaire Osborne and co just don't get it.

You can choose to drink beer and use your car. So do you turn the heating off?

Why doesn't everyone pay TAX? Even those on benefits - ITS INCOME!
Look you can have £10 k tax free isn't that enough to live on? Those on £20k benefits pay tax. After all I earn over £20k and then everything I spend is after TAX - seems fair to me.

Bonkers Government gives more money to the rich

Here we go again this Bonkers Government gives out more money to rich WORKING people

What about the Election pledge to help Married Couples (they may have children as well)?

Also would help Gay people in Civil Partnerships.

Giving money out (MY MONEY) to couples who put their kids in child care is Bonkers

In these times of austerity isn't ONE breadwinner per family enough  One stays at home to look after the children. If you can't afford childcare don't do it!

If Married couples had tax breaks then the one who stays at home would be helped by more income from the one working.

Raising children by their parents is by FAR the best way - statistics and endless studies have proved it. Being in a MARRIAGE is also the best way. There is NO equality for "Living together" - I'm not stopping you but if you want the benefits (not social security) real benefits for you and you r family, not to mention SOCIETY then get married!!

SIMPLE

You know it makes sense.

Think of the jobs this would create. All these mums n dads stopping at home, who would do their jobs? Also yes they would have less money, but cut down.

Sky TV is NOT your human right, even though prisoners get it.

Nursery for Monsters

I don't think the nurseries turn the children into monsters. Have they looked at the home life at all?

There are so many parents who expect to abdicate their responsibilities to the nursery/school to teach the child  everything. I think actually the children spend more time NOT in the nursery  so who is to blame. So many kids are neglected  I don't mean literally, but emotionally. At home they are put in front of TV or computer to occupy them. What damage does the haunted-fishtank do. The eye goes directly to the brain, whilst its growing the neurons are forming. They are NOT  getting the right stimulus, they are not getting the rules of behaviour and how to function, so why do you think they become antisocial. If its not what's learnt from Children's TV its from violent video game. That;'s why they're savages.

In a loving caring homogeneous family with proper moral values, the children learn from the parents and its becomes wired in their brains.
perhaps the idea would be to encourage one parent to stay home and look after the children. I'm not anti-nursery, but its a fact that children brought up at home with Married parents achieve more in later life.
The money poured in could be used to give tax breaks to married couples, YES, and thus jobs freed up for the unemployed childless!

What about that George?

Tax Breaks for Married Couples at last

Hoorah, at last David Cameron is swayed to give in and Honour his election promise and give a tax break to married couples.

I know David wants Gay Marriage above all else, and I'm not against it but surely he must make it worthwhile. The new "Marriage" tax breaks will have to apply to all civil partnerships, and why not.

If David is promoting "Marriage" that must be good for traditional Marriage as well. Lets be clear here - the Government IS PROMOTING MARRIAGE. So show your support and give Tax Breaks.

No more pussy footing around saying "we can't discriminate against non-married couples. It s their right to choose" - why not?

If they choose to get married then they get the incentive. If their relationship is as sound as a married one - prove it.

All the research show that children do best in families where the couples are married. In Britain we are nearly bottom in the league table for children splitting up from their parents, why. Because our parents do not value a stable family life. Yes its not easy but society demands that families are the best way to bring up children. Why do folk cop out at the first hurdle. If they're not married its a doddle.

Being married confers more that Tax breaks its a commitment to share things. Why should non-married couples have the same rights.

No we must promote marriage.

Yet they are hurting couples with children by taking child allowance away. 

My solution TAX all BENEFITS. Its income, but you don't work for it. Yes they'll use thier tax allowance that's only fair and if its a married couple then they can use this tax Break. Higher earners pay more tax.

Oh, last thing, restict Child Benefit to 5 children. There can be no "meal ticket" for having children. Tough.

Osborne to scrap fuel duty rise?

Here we go again - Fuel Duty to rise? - lets face it we all know the oil is running out. We're killing the planet burning it but like any addict we can't stop.

Is the Government wrong  We say "it won't make any difference, I'll keep my car going and my bit won't matter." Well I suppose it does.

Now another thing - suppose we all switch to electric cars, what will the Government do then? All that duty lost. We're not buying any petrol or diesel.

WRONG - they'll make it up. Road tax on electric cars is going to rise, then they'll charge us by the mile to use the roads. Its a WIN WIN for the Government.

Just Grit your teeth and pay, or don't travel, live near your work. It used to be like that, I'm just old enough to remember.

Pensions for Every one

Now everyone is to be IN

Don't fight it - its the safest bet for everyone. Those paying in create pots for investment in the economy and those retiring are safe there's enough money for them.

Lets just hope GO and DC sort out the mess over charges and how you "take your pension" with you. 

At the  end of the day unless its a very good company scheme only the Bankers win - AGAIN

Didn't I say it and now the Daily Mail agrees with me.

The Government MUST regulate these pension schemes and stop the Bankers from getting rich quick on poor people. They are gambling with peoples only hope for the future. They take their whole lives to save any sort of pension, these bankers make that much bonus in 1 year! There must be certainty in pensions and a guarantee that you can take it with you without loss if you move jobs.

Planning rules to be relaxed

So HMG think that by relaxing planning laws they'll stimulate building - I think not.

What is wrong is that folk either have no money or daren't buy a house and then it goes DOWN in value.

When I bought my first house in the '80s it was £7500 and cost roughly 3 times my salary. Now even though my salary has risen ten times since then I can't afford today's average hose on 3 times my income and that's where its crazy.

People borrowed well over what they could afford and the Banks/Building Societies were daft enough to lend them because they both thought prices would keep rising. Roughly they have, if you look over the long term - and I mean 10-20 years. It was the fast buck syndrome that did it - buy and sell to make money. WRONG you should buy a house as a long term investment after 25 years its yours!

Will relaxed planning laws help people start buying again - no. In Sutton on Sea there is an estate of new houses being built, well I say being, actually they stopped building 4 years ago. They HAVE planning permission for 200 but no buyers so have stopped. There are 20 houses built and NOT sold. EMPTY 4 years. What a crying shame. 

What DC/GO need to do is either make House realistically priced so folk can afford them again or stimulate the economy so our wages go up to match the prices. Let people borrow again to buy starter homes then you get the chain moving, make the Banks/Building Societies lend money. Or make Councils spend their rainy-day money on houses to rent for the Homeless etc. There's an idea "Council Houses". Now who got rid of all those?