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sapphictea · 1 year
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got a job interview in a bit and absolutely bricking myself
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successdigestonline · 2 years
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Thousands of Wetherspoons staff get pay rise as boozer hikes wages to more than £10 an hour for the first time
Thousands of Wetherspoons staff get pay rise as boozer hikes wages to more than £10 an hour for the first time
THOUSANDS of Wetherspoons staff had their pay boosted to more than £10 an hour for the first time. Workers are getting an extra 20p an hour, which means their wage rates are above that of the National Living Wage rate, which is £9.50 an hour. 1 Wetherspoons workers saw their salaries go up to £10 an hour on April 1Credit: Alamy That’s the minimum rate that workers over 23 years old must be…
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robin-smith · 4 years
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Having but never doing.
Last night I spent a couple of hours looking at the sheer number of books and other media myself and my wife have managed to collect over the years. This collection has ballooned over recent years and I begin to wonder now why it is I’ve never had the time to truly enjoy much of this media. Why do I continue to lose so much time that could be spent enjoying the things I have in front of me? Or maybe it’s too late.
Last night I actually took the time to count each individual book, dvd, game and more sat on the many shelves in our home. After the monumental task of collating together everything I found that we had…
952 individual books across all types, from fiction to non, and practical to entertainment. 838 downstairs, 105 upstairs and a handful more in other places. This doesn’t take into account all digital books on memory cards and download services. Also, much like with other media on here, this doesn’t take into account if any doubles exist.
But 952… that’s quite a lot isn’t it. I don’t share this number as a point of pride, although it does make me quite content to have access to knowledge and stories of quite a wide range. We aren’t rolling in wealth, although the last couple of years has made us, less worried about struggling in the short term than we have felt in the past. Much of this number is primarily due to my wife’s love of the medium. It’s rare that I see her without a book in her hands.
Even she has bought wisely, paying out for 2nd hand, or books on offer. Although she does have a handful of titles that were bought new and with some quality in mind. For the most part they weren’t costly.
It’s much the same with other media, continuing the numbers there’s …
280 DVDs, 13 HD DVDs (yes really), 127 Blu-ray, 25 VHS, 7 Xbox One (plus 326 digital and 214 including game pass arriving at a total of 547), 43 Xbox 360 (I’ve not counted the digital ones here as many of those are on Xbox One… although there’s a few more digital titles that aren’t on there but are owned), 5 Wii, 1 wiiu (several digital there too), 6 switch (plus 44 digital, and you can include access to the 55 nes and 35 SNES titles as part of the Nintendo online).. 2 DS, FOUR 3ds (11 digital), 17 PS4 (plus 427 digital and 191 psplus), 16 PS3 (and again more digital), 29 ps1, 2 HD Blu-ray, 5 dreamcast, 7 PS2, 6 Xbox, 2 gamecube, 9 PSP, 6 megadrive, 2 SNES, 1 vita (several more, again, digital)…
I built up such a collection with the help of 2nd hand stores and pound saver style shops, you can get a good number of Blu-ray and DVD for less than £2. Sometimes as little as 20p.
With games, at least on the physical side it actually should be 7 times more, but years of trading and selling games to get by when times were tougher (games sell easy for OK money) have left me with regrets and empty shelves where there should have been more. We still buy cheap and digital sale are a great friend/addiction. Also, I have a terrible interest in BAD games. So the games I often pay for couldn’t be given away (think bullet witch or wet).
I think you get the idea of the sheer numbers with that. This obviously doesn’t take into account the number of digital titles on consoles I didn’t count, download video content, plus access to Netflix, Disney plus, Amazon video, nebula, curiosity stream… Or the unfathomable volume of items of all kinds bought on steam, itch.io, humble bundle, Gog, and other services.
It’s all just so much. Some of it is doubled, some not, but even cutting down much of this stuff Iv’e managed to engage with so little of it. I’m sure you are the same, lists of shame we love to call them, but it feels not like the content is shameful, all of it can potentially be enjoyed. My wife for example reads a great number of books, plays as many games as myself, and makes time for TV and films. It’s sometimes a challenge for her with some things, but I suspect she’s read over 80% of the books we own.
Why can’t I get to 5%?
You could argue that it’s the pressures of the capitalist society, working us to a death. I work over 37 hours a week. Less than some, more than others. This is before overtime and for less than £7.00 per hour (national minimum wage in the UK is £8.72 for those over 25 for reference). Is the loss of time and chance to actually partake in these things worth it. Or is it that I am just using this as an excuse. I want to read all sorts of books, watch all sorts of films, finish several games that I am enjoying. I just don’t seem able to.
Maybe it’s the sheer amount of choice? I just don’t know where to start, or I can’t stay focused.
Or maybe I just don’t have the will to try, that everything has the potential to be worth my time, but I don’t feel emotionally motivated enough to do it, as do I don’t, and then I get depressed, and that lingers, so I feel even less likely to. So it goes on.
I do want to make a good effort to experience more of these things though. I can easily watch a good film or show when I get going, read a book of reasonable size in a couple of days no problems. Even with the work time, I have the time free otherwise. So I want to make the effort to do so.
I have accounts on Letterboxed : https://letterboxd.com/seiibutsu/  , GG : https://ggapp.io/Seiibutsu , and Goodreads: https://www.goodreads.com/user/show/38668189-robin-smith , I encourage you to follow me there and hold me to account over the coming 12 months. I want to see just how much I can get through with a little focus.
I also encourage you to comment below if you can relate to this feeling and what you really should have taken the time to experience but still haven’t. Let’s get a conversation going.
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mellowfestbanana · 5 years
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FILE PHOTO: The wording on a slogan is changed after letters fell away from the backdrop as Britain’s Prime Minister Theresa May addresses the Conservative Party conference in Manchester, Britain, October 4, 2017. REUTERS/Phil Noble/File Photo
Boris Johnson would hand Britain’s richest people a vast income tax cut while Michael Gove is fading fast over his cocaine “hypocrisy”. Here are the 5 things you need to know this Monday morning.
160,000 Tory members and just over 300 MPs will decide the next PM (Image: Matt Crossick)
After months of phony war the Tory leadership election officially begins today.
Nominations open at 10am and close at 5pm – with the first knockout round of voting by Tory MPs this Thursday. Anyone without 8 backers must drop out tonight, and without 16 backers, this Thursday.
The contest runs until the end of July and the winner will be Prime Minister of the United Kingdom – decided between a final two by 160,000 Tory members.
Remainers Jeremy Hunt and Matt Hancock and Brexiteer Dominic Raab are all holding launch events this morning.
Michael Gove – whose bid is in crisis over his admission he used cocaine – is hosting a launch this afternoon.
The candidates have unleashed a flurry of policy announcements. Mr Gove said he would replace VATwith a “lower, simpler sales tax” once we have left the EU.
Matt Hancock today pledges to raise the minimum wage for under-25s to £10.21 an hour by 2022. He would also reportedly introduce an insurance system to solve the problem of social care.
Sam Gyimah said he would eliminate stamp duty on all homes worth less than £1million.
But then there’s Boris…
READ MORE
Kevin Maguire: Give us a chance to vote these coke-snorting Tories out
2. Boris Johnson is handing Britain’s richest people an outrageous £6,000-a-year tax cut
Boris Johnson is planning to spend an absolute fortune on the rich (Image: PA Archive/PA Images)
Boris Johnson has unveiled plans to raise the 40p income tax threshold in a massive tax cut for Britain’s richest people – including himself and all his MP mates.
Under current plans people start paying 40p tax, not 20p, on every pound they earn beyond £50,000 a year.
Tories gave this same elite a huge tax cut just three years ago, raising the threshold from £42,385.
Yet if Boris Johnson becomes Prime Minister they will now go much further and raise it to £80,000.
Anyone earning over that sum would save £6,000 in income tax every year.
It is thought the actual benefit would be smaller as it’d be funded partly by hiking national insurance contributions.
But it’s literally a boost for the 12% – the proportion of UK taxpayers who earned £50,000 or more in 2016/17.
And in reality fewer than 12% of Brits will benefit because millions earn too little to pay income tax. The average income is just £28,400 a year.
The £9.6billion-a-year pledge has raised furious questions about the millionaire Tory’s priorities after he pledged just £48.6million to help struggling schools.
Among the biggest winners will be MPs – who with a wage of £79,468 will creep in just under the threshold.
Tory MP Nicky Morgan demanded: “Why is this a priority?”
Furious Shadow Chancellor John McDonnell said: “The Tory leadership race is degenerating into a race to the bottom in tax cuts.
“When there are 4.5 million children in poverty, 1 million elderly in severe poverty, schools’ budgets & our police service stretched to breaking point, this the Tory priority.”
Mr Johnson, who also called for a cut to corporation tax, claimed the move would help people who’ve been caught in the 40p rate by “fiscal drag”.
3. Jeremy Hunt has won a key Tory’s backing – despite a furious abortion row
JEREMY HUNT SAYS HE WOULD LIKE TO SEE THE LEGAL TIME LIMIT ON ABORTIONS REDUCED FROM 24 WEEKS TO 12
Jeremy Hunt has won a major backer in his race to be Prime Minister despite a furious row over abortion.
Amber Rudd, who leads the ‘One Nation’ group of Tories, backed the Foreign Secretary today saying he’s “risen above playground politics” and can “bring all wings of the party together”.
With Michael Gove’s campaign faltering it ramps up Mr Hunt’s chances of getting to the final two and fighting against Boris Johnson for No10.
But it comes hours after Mr Hunt confirmed he backs slashing the abortion time limit from 24 weeks’ pregnancy to 12.
He said “it won’t be Government policy to change the law” – but the British Pregnancy Advisory Service warned it will force young women to become “mothers against their will”.
READ MORE
Jeremy Hunt wants the abortion time limit reduced from 24 to 12 weeks
Amber Rudd squirmed over her backing for the anti-abortion-rights candidate (Image: AFP/Getty Images)
“You don’t think women should be trusted to make their own decisions about their own bodies and what is best for themselves and their families. But we do,” the campaign group said.
The Lib Dems branded the decision “alarming” and Labour MP Helen Goodman said it would rule out a legal route to abortion as amniocentesis results only come after 12 weeks.
Squirming Ms Rudd – the UK’s former minister for women and equalities – was forced today to insist “this government will always protect women’s rights”.
Saying it was his “personal private” opinion she added: “I have spoken to Jeremy and there will be no change to abortion law if and when he becomes Prime Minister.”
4. The Stop ‘magic beans’ Boris campaign is ramping up
“It is not enough to be told to shut your eyes, cross your fingers, pick up some magic beans and believe in Britain” (Image: Daily Mirror)
Furious Tories attacked Boris Johnson as unfit for the job as he looks set to reach the final two candidates for PM.
Steven Norris, who was the Conservative candidate for London Mayor in 2000 and 2004, told the BBC the former mayor doesn’t even read his paperwork properly.
He “doesn’t read the official papers terribly well, he didn’t do it when he was in City Hall,” Mr Norris said.
“He relied heavily on a group of colleagues who actually ran City Hall.
“I just don’t think he’s got the seriousness and the bottom to do the job.”
Despite being in talks over a possible ‘Bamber’ joint ticket just weeks ago, Amber Rudd today savaged Mr Johnson as a man who wants to enact Brexit with ‘magic beans’.
She wrote in The Times: “It is not enough to be told to shut your eyes, cross your fingers, pick up some magic beans and believe in Britain.
“We need a skilled negotiator and deal-maker, not an instruction for more optimism.
“These are serious times. They require a serious leader who will be listened to in Brussels.”
5. Michael Gove is treading a thin line
He took the thin white line – but thanks to class and race, avoided the thin blue line (Image: REUTERS)
Michael Gove is facing mounting calls to pull out of the Tory leadership race after he admitted taking cocaine.
The Environment Secretary acknowledged he was “fortunate” not to have gone to prison after taking the class A drug on several occasions around 20 years ago.
Former Tory chairwoman Baroness Warsi said it was “completely inappropriate” for him to remain in the contest to be the next prime minister.
Lady Warsi said: “This case isn’t just about drug taking, it is about trust, it is about hypocrisy of the highest order and it cannot be that we have somebody who is now mired in this issue of trust and hypocrisy feel that it is still appropriate for him to stand as leader of the Conservative Party and a prime minister of this country.”
The former CPS solicitor told Channel 4 News it was “a matter for the Crown Prosecution Service” whether Mr Gove should face prosecution for the offence, which was committed while he was a journalist.
READ MORE
Gove the cocaine hypocrite must quit race for PM, demands Baroness Warsi
Tory leadership contest: 5 facts to know as campaigns kickoff Boris Johnson would hand Britain's richest people a vast income tax cut while Michael Gove is fading fast over his cocaine "hypocrisy".
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My mother is 57, my Dad is 61, any suggestions?""
Best New York Health Insurance?
i got married 2 months ago, I m waiting to start the process for green card! at this time I wanted to get a good health insurance, my husband doesn t know aythin about it so please help me!!!""
Why are my insurance quotes coming to 20-40k?
Ok so i know insurance in London will be alot for a student like me who is 17, but why is it my friends are getting insurance for 2k in london and when i enter correct information on quote websites (obvisouly acting as if i am 17) that my quotes are coming to 44k, what should i do when it comes to getting my own policy? thansk""
Whats the cheapest car insurance for a young driver?
Im 19 and i have got my test in october, my driving instructor has moved away and so i thought I will get a car, and i had recently bought one it is a renault clio grande 1149cc, im looking for a good insurance quote and an insurance quote that will drop in price when i pass my test because many insurance company's rise in price after the test""
""Car Insurance costs for a 17 year old in Las Vegas, Nevada?""
I will be getting my license early next year and I will be 17 years old. I am a male, and I get decent grades. Usually alway's A's and B's, maybe one C. I plan on getting an SUV, particularly a 1999 Ford Explorer with over 100,000 miles from my uncle. What would your estimate on insurance costs be? How do I apply my good grades to my insurance policy? Would it be cheaper to go on my parents account? Thank you, Damon Reis""
Dentist cost for teeth cleaning without insurance?
I live in Fairfax, VA and was wondering how much would it cost for the teeth cleaning with no heath insurance. thanks""
What's up with these private car insurance company's that insure your car if it breaks down?
Auto insurance is supposed to protect you if your car's transmission goes out AND if you hit someone. People are getting ripped off! Just makes me mad. If you can convince me why people need two auto insurance's (one if you hit someone and one if your car breaks down) I'll give you best answer.
Chevy camaro insurance?
How much is the chevy camaro insurance a month please answer asap it's important bc my daddy said it's time fa me to starting looking at cars so I can hv one my senior year
Totaled car w/no insurance please help?
ok bought a new car in oct 09 then it was stolen I made an insurance claim and they dropped me so I paid 3000 to get it fixed after that I didn't insurance back on it because I couldn't afford it at the time it was $412 a month so I finally was able to get insurance and no one would insure me had almost 8 pts I'm 23 and high risk finally my brother totaled the car and I have 17000left to pay and have not missed any payments should I tell the finance co? This just happed and it's still at the police impound he did not hit anyone I just have a fast car and he hit 3 light poles! Should I file bankruptcy? Get it off the lot? Tow it to the dealership? Tell the finance co please help what's the next steps I have no one to help
I'm trying to get rental insurance?
I'm getting rental insurance well trying to but I had a doubt my Heath insurance is in my mothers name and not mine so she pays it so say I get rental insurance under my name would it mess up or even kick me off her insurance plan if I did get the insurance in my name
How does insurance in general work?
and what are some of the rules of finanace for insurance??
How much would insurance be for a 2009 camaro for a 16 year old first car?
How much would insurance be for a 2009 camaro for a 16 year old first car?
What is the average car insurance for an 18 year old male who is just starting to drive?
I just want to know how much car insurance will cost me i know a lot has to do with the cost such as what type of car and such. I want an estimate because no insurance website has a quote for new drivers.
Am I covered by 3rd party car insurance?
Yesterday I parked my car near to the train station as usual, when I returned from work the front was completely smashed in as though someone had ran into it and driven off. Does 3rd party insurance cover this kind of accident?""
How is mandating health insurance like mandating auto insurance (according to Obama)?
Auto Insurance: If I don't want auto insurance, I don't have to drive. Auto insurance is a CHOICE. Health Insurance: Will be the only thing somebody HAS to pay simply for being alive in America. Some people do NOT agree with ANY main stream health practices like myself. I would NOT go to a doctor even if I was on my death bed. Comment: Does it concern ANY of you that this mandatory health insurance will be the FIRST thing the government REQUIRES you to buy. Even Taxes are a choice. Some people chose to work for goods and barter (Amish). Isn't this America, where I can choose to seek alternative health rather than be forced to pay for something for merely being alive? Also, what about Church of Christ Scientists - Why force people who are religiously opposed to our health care system to buy health insurance. Many Christ Scientists will die before they seek main stream health. This plan makes me sick.""
Can i get insurance then put modifacations on my car?
Hi i am getting a mk 2 golf and will be modding it out with rims tint lights and lowering suspension. If i get the insurance quote at 4grand and then put the mods on the car is it a year of cheap insurance or do i need to tell them i have altered the car? Thanks.
Does anyone know of a car insurance that can give you a policy without a down payment?
I live in miami fl my car insurance expired on 2/26/12 i don't have money for the renewal does anyone know of any car insurance company that can except me with out a down payment please i need help and at this ponit i need to take what i can for my car before it to late???
Why are teenagers car insurance rates so high?
I just heard they just went up on our car insurance because we are teens that's not fair at all. I'm struggling trying to make it meaning going to college and work. Because I can not depend on my mom to take me everywhere I need to go. This economy is all ready down the drain that's not fair I have no money and I am trying to make it.
How much does insurance go up in a wreck?
Im a 16 year old male, get good grades, and i drive a 91 firebird. i recently got in a crash, my car was fine but the other guy had a scrape along the side of his car etc. how much can i expect my insurance to go up?""
How can I prevent this girl from completely taking advantage of my insurance company?
A few nights ago I accidentally brushed the side of my neighbor's car with my front bumper (cause she was parked like an idiot as usual). I'm taking full responsibility of it cause it's my fault and I have no problem with that. Initially I was going to pay for the scrape to be compounded out and whatever else was wrong as a result of me hitting it. However, when I spoke to her, she started pointing out a ridiculous amount of things: there's a scratch in addition to the scrape (ok, sure), she says I cracked her light (maybe I did, it's possible) but she's also saying that I caused her tire to pop out and that there's tread missing from it (which makes absolutely no sense because I didn't hit the tire or rim or wheel well at all). Basically, she expects a whole new paint job and a set of tires which is ridiculous for the small amount of damage that was done. I want to make sure she isn't trying to take advantage of my insurance company and cause my rates to skyrocket as a result. The car is a complete piece of sh*t and she doesn't take care of it at all - the paint's dull, the rims are rusted - and I think she's trying to fix these things by making it like they were a result of me hitting her. I have no problem at all taking responsibility for the damage I did, but I do have a problem with her making things up and trying to fix other issues through my insurance company. The last claims representative I spoke with told me that I would not be contacted by the adjuster at all since there is no damage to my car. Since she's going to be talking with the adjuster and I won't, I'm afraid she's going to exaggerate the amount of damage. Should I call my insurance company and tell them this? Will they care? What can I do?""
I want the best quotes for health insurance to compare with other insurance company?
I want the best quotes for health insurance to compare with other insurance company.
How much does your credit rating affect your car insurance premium?
The CSR from my company just told me that continuous coverage is much more of a discount than a good credit rating gives you. So, overall, about what percent do folks in the know think that the credit rating matters?""
iowa mutual insurance
iowa mutual insurance
Does color of car affect insurance rates?
In the market for brand new car. Does color matter with insurance? Ive heard red is most expensive.
Insurance cost of 06 Cobalt SS?
I am 19 and have no tickets... was just wandering a guess at how much it would be?
What is the cheapest possible auto insurance?
I don't care about customer service or anything. I just want liability only cheapest insurance. Thanks
""Can I lose in small claims court if I got into a accident that wasn't my fault, but I didn't have insurance?""
Can I lose in small claims court if I got into a accident that wasn't my fault, but I didn't have insurance?""
Do motorcycles require insurance in georgia?
Do motorcycles require insurance in georgia?
Name some good life insurance companies?
Burial insurance I need for future.
Motorcycle insurance?
Can anyone let me know where can I find good deals on motorcycle insurance in or around minneapolis. Its my first bike.
Staying on parents health insurance in NJ?
As the title states, I am wondering if I am eligible to stay on my parent's health insurance (we live in New Jersey and my dad gets the family insurance through his job in Delaware). I am 23 years old, not in school, and my job offers health insurance. I have read that the law allows children under the age of 27 to remain on their parent's health insurance UNLESS the kid's job offers health insurance. As I stated, mine does offer it. HOWEVER, an older coworker of mine told me that her children were able to stay on the family health insurance until age 27 even though the kids' work offered insurance because the cost of the insurance at the child's job was over $25 per week. The cheapest policy at my job will cost me just over $30 per week. Unfortunately, I have not found any trace of this $25 rule anywhere online. Is this a true policy? If insurance isn't offered cheaply enough, can I stay on my parent's policy? Can anyone shed some light on this?""
How can i get my car insurance down i am 19 and i cant seem to get it cheaper then four grand?
i have a 1ltr vauxhall corsa club it is group 1 insurance i have no driving offenses point or illnesses the car has no modification and it is still 4000 pound and that was for a 10 month policy 395 a month will something like 400 deposit its just unfordable
Why has the affordable health care act accelerated the rise in health insurance rates?
When does the affordable part start?
Car Insurance Question?
Hello- I was involved in a really bad car accident, where I was the stationary vehicle in my lane and the other driver was completely at fault, texting, speeding at 60+ over, lost control of his car and ended up horizontal in the road- needless to say my car is totaled and the other driver lost his life. He was really close to have taken mine as well. Anyways, my question is how long does it take for the insurance to cut a check so that I can go out and buy a car?""
Where do you get good rates for dance instructor liability insurance?
I am a dance instructor and I need to get liability insurance. Anyone know of a place to get the best quotes. I tried Markel and they are expensive. I also plan to have other instructors that I train and work with me. How do I get insurance for them? Is this per instructor, or can it be as a dance school? Please let me know. I need this info ASAP. Thanks for your help""
""Massachusetts auto tax, insurance rates?""
If owning a family sedan, What are the typical annual rates in MA for (1) insurance (2) vehicle tax (registration ?)""
How can i get cheap/free health insurance?
i live in chicago and wanted to go to the doctors but my dad informed me i have no health insurance (only him. he is legally blind on public aid) im 20 and in college what can i do
How long before insurance goes down?
I know teenage insurance is really high so when does it finally go down? After an accident ur insurance goes up, how long will it take for it to go back down?""
Could I get car insurance before having a car?
I don't seem to have a car at the moment like I mentioned. But I was wondering if I could get a car first and then purchase the insurance or would that not work?
Insurance Cost Starting Driver-?
Statement of Facts: 16 (soon turning 17) Good Grades, above B, honors Several after school activities (Student Council, if that is even relevant) Impeccable driving history (no infractions) State of Residence: Maine Rural/sub-city? Insured under fathers plan, also clean record (51 and 1 ticket?) Alright, I'm currently under my fathers policy and am driving his vehicle to school and back. Soon we will be purchasing a vehicle for my own, and I have a few questions. To be frank, I am looking at mustangs. Not v6s, but GT v8s, preferably standard transmissions. Dad's biggest problem is insurance, which is understandable. My question is how much said insurance would cost/ raise his existing policy? -I like this model because I want a vehicle with performance. When I think of performance, Muscle comes into mind. The quintessential of this and most feasible is a mustang. Many older versions (such as 1990's, early 2000's) so they are affordable, and I just like them. Also I know a considerable amount of knowledge for my age about vehicles due to helping in my grandfathers garage past summers and many weekend projects.""
""What is the penalty for driving without insurance on a motorbike, as i feel it was a genuine oversight?""
I was stopped because of a broken rear light and as it happens my insurance had expired about 4 days before. I wasn't aware that the insurance expired , i thought it was at the end of the month. I didn't receive any reminder because i had forgotten to change address with the insurance company, which was completely my fault. This is a genuine oversight on my part, but I'm not sure if they'll look at previous incident i had with my cousins car when i was a teenager about 7 years ago, i got caught driving without insurance. Probably one of the stupidest things i have done but i learned from it, but the court may not look at it like that. Should i get a solicitor and does anyone know how much they cost? Will i be suspended from driving?""
I have had my car broken into and had my pc stolen HOW DO I CLAIM INSURANCE?
earlier this afternoon i had to take my desktop pc to pcworld to be fixed but came home with it straight away due to them sending an engineer out to my home to fix it, Anyhow heavy rain started upon getting home so i left the computer in the car so it wouldnt get wet, CAN I CLAIM ON MY CAR INSURANCE FOR A NEW COMPUTER?????????""
If someone kicked car and left a lage dent will my insurance company pay for the repair?
some jackass kicked my car so now i have a huge dent just wanna know if insurance will cover the cost of fixing the dent and if my insurance will go up? thanks for your time.
Will my gf's car be taken away if I don't have any car insurance but I have my driver's lisence?
I am a young adult and I recently obtained my Driver's License last year on the day before Thanksgiving. After that, I have been driving my gf's car and was wondering what ...show more""
Car insurance question?
I'm from the UK, 22 year old man. Passed my driving test in November, looking to buy my first car. For the cheapest 2 insurance bands, how much a year could I expect to pay for insurance? ball-park figure obv. also, can you give me examples of the sort of cars I'd be able to get insured for?""
What sports cars have low insurances?
im 19 so insurances are an absolute drag and im looking to buy a sports looking car but the insurances for everything are so high. so is there any good sports looking cars with a relatively low insurance group preferably below 15. my previous cars have been a ford focus 1.6 titanium 09reg , Puegeot 206 1.1 T reg, ford fiesta zetec s 1.6 59reg and im driving a puegeot 207 1.6 59reg at the moment and i want to get out this style of car. and i have a budget of around 14,000 - 15,000""
Adding new auto insurance to my existing policy?
I live in Oklahoma, my wifes parents just cancelled all the kids auto insurance, I'm going to get my wifes insurance on my policy but I was wondering if we could add her brothers and sister to ours as well? They're young and are having a hard time paying bills the way it is. I thought if I put them on ours then they would get a little discount. They don't live with us. Is that a requirement? Any help would be appreciated, thanks.""
I need a Dentist......I have no insurance....what should I do?
I haven't visited a dentist in years, but I really need to have a check-up. I have no insurance, What can I do? Where can I go?""
iowa mutual insurance
iowa mutual insurance
https://www.linkedin.com/pulse/i-buy-term-life-insurance-policy-20-yearswhat-happens-bobby-griffin/"
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energysolutions · 6 years
Text
Press release: 200,000 receive back pay as HMRC enforces National Minimum Wage has been published on Energy Solutions News
New Post has been published on http://www.energybrokers.co.uk/news/press-release/press-release-200000-receive-back-pay-as-hmrc-enforces-national-minimum-wage
Press release: 200,000 receive back pay as HMRC enforces National Minimum Wage
HM Revenue and Customs (HMRC) has more than doubled the number of underpaid workers getting the money they’re owed under the National Minimum Wage, according to latest figures.
In 2017 to 2018, HMRC investigators identified £15.6 million in pay owed to more than a record 200,000 of the UK’s lowest paid workers, and up from £10.9 million for more than 98,000 workers last year.
HMRC launched its online complaints service in January 2017, and this has contributed to the 132% increase in the number of complaints received over the last year and the amount of money HMRC has been able to recoup for those unfairly underpaid.
The figures are published as the government launches its annual advertising campaign designed to encourage workers to take action if they are not receiving the National Living Wage or the National Minimum Wage. The online campaign, which runs over the summer, urges underpaid workers to proactively complain by completing an HMRC online form.
The online service is a quick and easy way for anyone with concerns about not being paid the National Minimum Wage to report an employer or former employer anonymously.
Industries most complained about to HMRC include restaurants, bars, hotels and hairdressing.
If you think that you are not receiving at least the minimum wage, you can contact Acas, in confidence, on 0300 123 1100, or submit a query online
Business Minister Andrew Griffiths said:
Employers abusing the system and paying under the legal minimum are breaking the law. Short changing workers is a red line for this government and employers who cross the line will be identified by HMRC and forced to pay back every penny, and could be hit with fines of up to 200% of wages owed.
I would urge all workers, if you think you might be being underpaid then you should check your pay and call Acas on 0300 123 1100 for free and confidential advice.
Penny Ciniewicz, Director General of Customer Compliance at HMRC, said:
HMRC is committed to getting money back into the pockets of underpaid workers, and these figures demonstrate that we will not hesitate to take action against employers who ignore the law.
We urge anyone who is concerned they are not being paid the correct rates to contact us in confidence through the Acas helpline or through our online complaints form.
Further information
people not receiving at least the minimum wage can fill in an online pay and work rights complaints form
the National Minimum Wage is the minimum pay per hour almost all workers are entitled to
it is the responsibility of employers, no matter how big or small, to pay the correct wage to their staff, and failing to do so can result in fines of 200% of the arrears, public naming and, for the worst offences, criminal prosecution
see The National Living Wage and Minimum Wage campaign site
headline National Minimum Wage enforcement statistics for 2017 to 2018 have been published for the first time in this press release
a comprehensive breakdown of National Minimum Wage enforcement statistics will be published by the Department for Business, Energy and Industrial Strategy (BEIS) in late summer 2018
National Living Wage and National Minimum Wage rates
From 1 April 2018, the government’s National Living Wage rate increased by 33p to £7.83 per hour for those aged 25 and over.
The National Minimum Wage increased:
by 33p to £7.38 per hour for those aged 21 to 24
by 30p to £5.90 per hour for those aged 18 to 20
by 15p to £4.20 per hour for those aged 16 to 17
by 20p to £3.70 per hour for apprentices
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annaekozlov-blog · 6 years
Text
Activism worksheet
1. What are some basic facts or statistics about your activist issue?
The risk of serious injuries and disabilities nearly doubles when rural farmers or industrial workers switch to a factory job. This is why most workers who have other options quit factory working and the turn over rate is extremely high. Since 1990 when the issue first arose, around five major factory fires have occurred killing hundreds of workers. Garment-making factories in Bangladesh make up to twenty billion dollars every year, but the workers still get paid under minimum wage.
2. Why is this an issue?
   While some factory workers have a choice whether they want to work or not most of them do not. The garment workers in Bangladesh are 85% women most of who are single, unmarried moms. Even working a full-time factory job they only make around $30 a month whereas an average family needs $60 a month to have all the things they need or should have (education, health, food).  
3. What are the causes of this issue?
      There is a pyramid when it comes to the clothing industry. On the top level are the retailers, the people who sell the clothes, then there are the manufacturers the people who assemble the parts of the clothes, then there’s the contractors/subcontractors, the people who own cloth making factories, and finally on the bottom level are the actual people who make the clothes for the cheapest price possibly, the garment workers. By the time we get to the subcontractors/contractors the price needed to make a big profit is already extremely low. Factory owners, however, usually take this low prices because they won’t find a better deal. In the end, the garment workers are paid much lower than they deserve for the clothes they make. 
4. What is preventing this issue from getting better?
        The Manfucators want to make the biggest profit possible.The easiest way to do this is to pay garment workers the cheapest amount possible. Laws against bad labor conditions are poorly enforced as well. For example, in California factories only have a 1 in 4 chance of being inspected. In Bangladesh, the chance rises by a lot. Hundreds of factories are violating human rights, but the government isn’t regulating it. Immigrants are forced to work in terrible conditions as well, in free that they will be deployed. 
5. What can we do to help fix the issue?
       It’s a lot to ask people to not buy from companies that get their clothes from sweatshops considering that applies to 90% of stores, expensive and non-expensive brands, but spreading awareness is really important. Many people aren’t aware where they have their clothes come from, and it’s important that they think before purchasing something they don’t really need because the more clothes are needed, the more clothes need to be made. 
6. Why is it important to learn about your issue?
      It’s important because clothes is a daily part of everyone’s life. Some people’s lives are built on fashion. And some people’s life’s are spent or lost in a poorly built sweatshop. It’s important that we fight for the standard rights of people. These people deserve to pay a reasonable price for what they’re making. 
Sites I used: 
https://www.nytimes.com/2017/04/27/opinion/do-sweatshops-lift-workers-out-of-poverty.html
https://digitalcommons.ilr.cornell.edu/cgi/viewcontent.cgi?referer=https://www.google.com/&httpsredir=1&article=1083&context=globaldocs
http://www.dailymail.co.uk/news/article-3339578/Crammed-squalid-factories-produce-clothes-West-just-20p-day-children-forced-work-horrific-unregulated-workshops-Bangladesh.html
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