Frank Hovis

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  1. Upvote
    Frank Hovis got a reaction from Happy Renting in Bad start to the day   
    Ok, I've resisted doing this but I had to do it eventually:
     
    "What would you do if a bird shat on your head?"
     
    "I'd pack her in."
     
     
    (Roy Chubby Brown)
  2. Upvote
    Frank Hovis reacted to assetrichcashpoor in MRICS   
    I’ve found to my cost that there is a world of difference between a chartered valuation surveyor and a chartered building surveyed. The former seem to be mouth breathing spastic former estate agents who can’t sell houses so are reduced to surveying. 
  3. Upvote
    Frank Hovis reacted to Fischer in Its different for girls .. who work in the public sector.   
    Malingerer.
    Had my last day off sick in 1985. Beat that.
     
  4. Upvote
    Frank Hovis reacted to JoeDavola in Tax avoidance - a moral duty?   
    Everyone should pay some tax, but the 40% bracket kicks in far too early IMHO (and I speak as someone who doesn't earn enough to pay 40% tax!).
    John Lovitz's point is quite well put, he's being insulted by Obama as not paying enough...despite paying 50% of his wages in tax. I can't find the clip I saw a while back but Lovitz basically says "I'm paying half my money; isn't that enough!?":
     
  5. Upvote
    Frank Hovis reacted to UmBongo in Disabled People   
    There is a certain sense of entitlement amongst some disabled folk that I first picked up on 20 years ago.
    I had a weekend job at B&Q in the late 1990s. It used to have a long service desk. It would always start to get busy after 2pm on a Sunday afternoon despite closing at 4pm. I was trying to help a customer on the customer side of this service desk and asked my colleague a question about something. I was a bit stressed out at that moment. What I didn't realise is that she was probably trying to help a disabled woman in an electric wheelchair. The place was so chaotic as so many customers were bashing the credit card cards doing the home improvements for 'mad gainz' - OMG HPI!!! So I wasn't paying close attention that day.
    I digress...the woman in the electric wheelchair barked at me: "So you think it's OK to interrupt a disabled lady, do you?" And then propelled her chair at me, striking me on the bottom of the leg. Startled, I lept back. I did apologise to her as I didn't 100% appreciate the situation at the service desk. Carried on helping my customer who said to me as we were walking away: " That woman was awful!" He probably had a better idea on what was going on in all the chaos.
    Forgot about the incident, helped another customer who went away happy in the hardware section and behind them was the same woman in the wheelchair waiting for some help with some rope or chains (!) or something like that. There were never enough staff so customers would be frequently hanging around waiting for someone in orange overalls not with another customer to come around the corner. "Hello Again!" I said in a cheery voice and a grin, to remind her that I hadn't forgotten about her. I think she muttered something like an apology and then asked her question. I think she realised how difficult Sunday afternoons can be (when people were still able to spunk money left right and centre).
    There was one situation where I was 100% of another woman in a wheelchair who lost her shit with other customers. I had a Christmas job at the now defunct BHS back in 1997. I was working the tills in the Menswear Dept which were situated on the first floor of the store not too far away from the lift. I heard a woman start lambasting these physically fit customers getting out of the lift making a point that they shouldn't be using the lift if they are not disabled. I had just served this lady's able bodied companion at the till. I was actually thinking: "Nice one! You tell 'em!" and I think I grinned to myself. There was a perfectly good escalator or static staircase just to the side of the lift.
    In the early 2010s I lived on an estate of flats just off Carrow Road. The opposite end of where Norwich City Football Club is. Some c*nt in a twatty Nissan Kumquat with Blue Badge would smugly park on the double yellow lines on the road  making it awkward some times to drive past. Yet despite the protestations of disablement, this Blue Badge berk was able to walk the 10, 15...maybe 20 minutes to the football ground. I should have checked with Norfolk County Council if the blue badge was genuine or not.
  6. Upvote
    Frank Hovis reacted to dgul in Screwing the young just a little bit more   
    It is an absolute disgrace.
    The thing is, interest rates on debt are (inflation) + risk.  But there is no risk on default on student loans -- they have to pay and they're not even discharged on bankruptcy.  Sure, some people might not pay it all back or might disappear or die or something -- but most of that is the fault of the way the loans were written, and not of the actual student.
    Given the risk (zero) the interest rates should equal inflation.
  7. Upvote
    Frank Hovis got a reaction from One percent in Its different for girls .. who work in the public sector.   
    I'm not being deliberately contrary but wouldn't an extended holiday somewhere warm be an ideal way to cure stress?
  8. Upvote
    Frank Hovis got a reaction from twocents in Screwing the young just a little bit more   
    RPI + 3%.  Wow.  Anyone would invest in a bond that offered that. it's a FANTASTIC rate.
    Though obviously not so good if you're paying it.
  9. Upvote
    Frank Hovis got a reaction from whocares in Tax avoidance - a moral duty?   
    Here is the graph of UK central government spending from wiki:

    https://en.wikipedia.org/wiki/Government_spending_in_the_United_Kingdom
    Just look at that top line.  Most people would guess the NHS and education as big spenders but they are dwarfed by that "Social Protection" line which is off the scale.
    It includes pensions but at £7k a year for those over c. 70 I think we can assume that they aren't a big part of it.
    This money is funding a vast number of people not to work or to work the 16 hrs that gives them tax credits and this is why immigrants from t ethird world pour through Europe to get to Britain and that "social protection" honeypot.
    And how is it being funded?  Well from the budget report 2016/17 (big pdf - don't open it on your phone) pages 5 & 6 it is:
    Cost of Social Protection: £240bn
    Tax sources in descending order:
    Income tax £182bn
    VAT £138bn
    NI £126bn
    The next biggest single category is Excise duties at £48bn.
    https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/508193/HMT_Budget_2016_Web_Accessible.pdf
     
    So every penny of income tax and nearly half of VAT is going on this "Social Protection" which serves neither to defend this country nor heal or educate its citizens.
     
    This is ridiculous and the only way that it will change is if the tax income is reduced by everybody minimising the amount of tax they pay.
    We have had threads on this before but the simple answers are work less and buy less; buying second hand where possible.
     
    It's the only way to stop this ridiculous level of spending on benefits by government after government; Conservative and Labour.
     
  10. Upvote
    Frank Hovis got a reaction from whocares in Bad start to the day   
    Ding ding - we have a winner!
  11. Upvote
    Frank Hovis got a reaction from whocares in Bad start to the day   
    I used to work at an office just down from Waterloo with a walk under a wide rail bridge part of the journey.  WIth its girders and shelter it was pigeon heaven.
    One colleague came in so absolutely covered in it that we felt sorry for the pigeon as the sheer volume meant that it was probably terminal.
  12. Upvote
    Frank Hovis got a reaction from whocares in Tax avoidance - a moral duty?   
    Here is the graph of UK central government spending from wiki:

    https://en.wikipedia.org/wiki/Government_spending_in_the_United_Kingdom
    Just look at that top line.  Most people would guess the NHS and education as big spenders but they are dwarfed by that "Social Protection" line which is off the scale.
    It includes pensions but at £7k a year for those over c. 70 I think we can assume that they aren't a big part of it.
    This money is funding a vast number of people not to work or to work the 16 hrs that gives them tax credits and this is why immigrants from t ethird world pour through Europe to get to Britain and that "social protection" honeypot.
    And how is it being funded?  Well from the budget report 2016/17 (big pdf - don't open it on your phone) pages 5 & 6 it is:
    Cost of Social Protection: £240bn
    Tax sources in descending order:
    Income tax £182bn
    VAT £138bn
    NI £126bn
    The next biggest single category is Excise duties at £48bn.
    https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/508193/HMT_Budget_2016_Web_Accessible.pdf
     
    So every penny of income tax and nearly half of VAT is going on this "Social Protection" which serves neither to defend this country nor heal or educate its citizens.
     
    This is ridiculous and the only way that it will change is if the tax income is reduced by everybody minimising the amount of tax they pay.
    We have had threads on this before but the simple answers are work less and buy less; buying second hand where possible.
     
    It's the only way to stop this ridiculous level of spending on benefits by government after government; Conservative and Labour.
     
  13. Upvote
    Frank Hovis got a reaction from whocares in Disabled People   
    I know someone disabled by her weight which often makes her ill.  But she works full time, is always smiling and pleasant, and never moans.
    If we were in a era of rationing she would be running up the stairs rather than being unable to use them; besides fat and the health problems that it brings (heart mainly) she isn't unwell.  It's a great shame.
  14. Upvote
    Frank Hovis got a reaction from twocents in Screwing the young just a little bit more   
    RPI + 3%.  Wow.  Anyone would invest in a bond that offered that. it's a FANTASTIC rate.
    Though obviously not so good if you're paying it.
  15. Upvote
    Frank Hovis got a reaction from Chewing Grass in Tax avoidance - a moral duty?   
    So doing your bit.
    I remember an accountant back in the 80s who woudl only work up to the personal allowance because he was opposed to paying tax to buy nuclear weapons.
    I am similarly opposed to non-contributory benefits.
  16. Upvote
    Frank Hovis got a reaction from twocents in Screwing the young just a little bit more   
    RPI + 3%.  Wow.  Anyone would invest in a bond that offered that. it's a FANTASTIC rate.
    Though obviously not so good if you're paying it.
  17. Upvote
    Frank Hovis reacted to JoeDavola in Celebrity Death Sweepstake 2018   
    Supermarket Sweep, and that cheesy little song posted, is wonderfully 90's. I find that things like that, that are of that time, bring me back to being about 10 years old again and not having a care in the world, even though I never actually sat and watched the programmes they were always on in the background while I was doing other things.
    Sounds like he had a rough start to life, but managed to build a good life despite that. RIP Dale.
  18. Upvote
    Frank Hovis reacted to Dave Beans in Celebrity Death Sweepstake 2018   
     
  19. Upvote
  20. Upvote
    Frank Hovis got a reaction from whocares in Tax avoidance - a moral duty?   
    Here is the graph of UK central government spending from wiki:

    https://en.wikipedia.org/wiki/Government_spending_in_the_United_Kingdom
    Just look at that top line.  Most people would guess the NHS and education as big spenders but they are dwarfed by that "Social Protection" line which is off the scale.
    It includes pensions but at £7k a year for those over c. 70 I think we can assume that they aren't a big part of it.
    This money is funding a vast number of people not to work or to work the 16 hrs that gives them tax credits and this is why immigrants from t ethird world pour through Europe to get to Britain and that "social protection" honeypot.
    And how is it being funded?  Well from the budget report 2016/17 (big pdf - don't open it on your phone) pages 5 & 6 it is:
    Cost of Social Protection: £240bn
    Tax sources in descending order:
    Income tax £182bn
    VAT £138bn
    NI £126bn
    The next biggest single category is Excise duties at £48bn.
    https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/508193/HMT_Budget_2016_Web_Accessible.pdf
     
    So every penny of income tax and nearly half of VAT is going on this "Social Protection" which serves neither to defend this country nor heal or educate its citizens.
     
    This is ridiculous and the only way that it will change is if the tax income is reduced by everybody minimising the amount of tax they pay.
    We have had threads on this before but the simple answers are work less and buy less; buying second hand where possible.
     
    It's the only way to stop this ridiculous level of spending on benefits by government after government; Conservative and Labour.
     
  21. Upvote
    Frank Hovis got a reaction from One percent in Its different for girls .. who work in the public sector.   
    I'm not being deliberately contrary but wouldn't an extended holiday somewhere warm be an ideal way to cure stress?
  22. Upvote
    Frank Hovis got a reaction from Economic Exile in Windrush   
    I think it has been done for one reason and one reason only:
    To make British people soften their stance on immigration so that the government can merrily continue to let in 250 - 300k per year.  These Windrush people are being cynically used.
  23. Upvote
    Frank Hovis got a reaction from Great Guy in Come back knockoutjohhny!   
    This one.

    Not mine but the same, and similar condition.  I had to pay out to have a part made privately to get it working despite the Rolex claims about being always able to fix them.
    My grandad's watch on my dad's side and I also have my grandad's watch on my mum's side which is more valuable.
    I don't quite know how I ended up with both as combined there are about twenty grandchildren and I'm not acquisitive but somehow I do.  I have just been reminded how very pleased I am about that.
  24. Upvote
    Frank Hovis got a reaction from Great Guy in Come back knockoutjohhny!   
    This one.

    Not mine but the same, and similar condition.  I had to pay out to have a part made privately to get it working despite the Rolex claims about being always able to fix them.
    My grandad's watch on my dad's side and I also have my grandad's watch on my mum's side which is more valuable.
    I don't quite know how I ended up with both as combined there are about twenty grandchildren and I'm not acquisitive but somehow I do.  I have just been reminded how very pleased I am about that.
  25. Upvote
    Frank Hovis got a reaction from Economic Exile in Windrush   
    I think it has been done for one reason and one reason only:
    To make British people soften their stance on immigration so that the government can merrily continue to let in 250 - 300k per year.  These Windrush people are being cynically used.