Author Topic: Universal basic income  (Read 3369 times)

Offline winkywanky


Offline VolapUK

They didn't legalise drugs they decriminalized them

If they did the same in Scotland, my beloved Edinburgh would still smell of weed, but at least it would be good quality weed (which hopefully wouldn't smell so strong).

Offline willie loman


So you don't think legalising all recreational drugs is a good idea then?

i am happy to follow expert advice, and that advice is the complete opposite of folk like you. They have only spent their lives working in this field.

Offline winkywanky

i am happy to follow expert advice, and that advice is the complete opposite of folk like you. They have only spent their lives working in this field.

Oh dear willie, how quickly you resort to the JimmyRedCab mode of discussion: people like you would say that, wouldn't you. I expected better of you. Clearly I was wrong  :rolleyes:

How do you know what the hell I think?

You come out with a blanket statement about legalising all drugs, I merely questioned whether you thought the same should apply to heroin.

Which as you probably know, is called Junk for a reason, and by many of the people who take it.

Offline willie loman

Oh dear willie, how quickly you resort to the JimmyRedCab mode of discussion: people like you would say that, wouldn't you. I expected better of you. Clearly I was wrong  :rolleyes:

How do you know what the hell I think?

You come out with a blanket statement about legalising all drugs, I merely questioned whether you thought the same should apply to heroin.

Which as you probably know, is called Junk for a reason, and by many of the people who take it.

i know from your opinions on gambling that you have nt really moved on from the drivel you learnt when young.

Offline winkywanky

i know from your opinions on gambling that you have nt really moved on from the drivel you learnt when young.


What the fuck has what I think about gambling got to do with it?

Argue the issue, not the man. Ad hominem. Pathetic.

Offline king tarzan

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What the fuck has what I think about gambling got to do with it?

Argue the issue, not the man. Ad hominem. Pathetic.

Naughty naughty.. gambling is a vile habit..
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Offline king tarzan

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I was reading a few articles recently and noticed there is more and more interest in creating a universal basic income system.
Does anyone here think it will be introduced in the uk?

I don't believe in creating systems for people to live off the state..
There outlandish irresponsible lifestyles creating children ( who are innocent in all this) and for the tax payer to pick up the tabs..
No thanks...
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Offline LLPunting

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WW I am a tad surprised at the anger of your responses here.  Perhaps backed up for too long.

I knew at some point I'd agree with PP1920 and WL (again), surprisingly soon as it turns out.

UBI is about lifting everyone in a society out of destitution (and ensuring against it) without prejudice.  It is NOT about giving everyone comfort and luxury.  It allows them all the breathing space to determine and actualise how they want to earn greater comforts for their own (family's) sense of well-being and achievement. 

The current system of UK benefits and the CoVID provisions have singularly flipped the middle finger to a large number of people in various financial and employment situations, denying them most if not all "benefits" given to the asset rich and those with no savings, forcing them to court or enter into bankruptcy/insolvency before being able to avail themselves of some support, after perhaps having indebted themselves at great disadvantage to other (un)scrupulous finance providers.

Human nature will never be humble enough to be content with what they have compared to what's advertised or promoted by "influencers" (aka peddlers) and there will continue to be plenty who are self-motivated enough to strive for something despite knowing they won't have to worry about losing their food, roof and sanitation.

UBI has been costed against all the other health, education, social services, unemployment benefits, housing benefits, etc and it is achievable.  It is certainly a "luxury" consideration of developed economies but it's something they face inevitably due to the increasing application of automation by (extreme/conscienceless) capitalism.

WW, you like many, may be "secure" in your well/adequately-remunerated jobs now based on other's valuation of your skills/education/experience but automation/AI is set to make (further) serious inroads into (if not replacement of) the likes of accounting, regulation, government, law, teaching, medicine, engineering, design, fashion, catering, management, manufacturing, entertainment, farming, transportation, banking, customer relations and the list goes on.  This is in the next few decades years without intervention.  People will still be in the chain but their duties will be significantly altered and their numbers severely diminished in the expensive role categories, many perhaps empty-shirts.  Highly adaptable human labour will continue to be forced to the limits, interstices and pockets of industry where automation hasn't been evolved enough yet to make it "economical".

The smoke screen of raised minimum wages is a sop to the plebiscite to keep them thinking "I'll be alright", but minimum wage only keeps you fed, clothed and housed whilst you're employed.  Don't get us started about zero hours contracts.

Offline contentguy

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Naughty naughty.. gambling is a vile habit..

You bet it is, but its funded some great punts for me!

Offline king tarzan

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It's the soft soft approach to the benefits system which has fucked up the UK in the first place..
Parasite infestations in every corner of the country indigenous and foreign.. and getting pregnant deliberately to get council housing..
Where's the pride of using your blood and sweat and loss of sleep to earn honest hard earned money like in the good old old days of yesteryears??
Makes me sick this parasite entitlement!!
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Offline LLPunting

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It's the soft soft approach to the benefits system which has fucked up the UK in the first place..
Parasite infestations in every corner of the country indigenous and foreign.. and getting pregnant deliberately to get council housing..
Where's the pride of using your blood and sweat and loss of sleep to earn honest hard earned money like in the good old old days of yesteryears??
Makes me sick this parasite entitlement!!

When there are less jobs than available, qualifying employees it won't be honest labour that's being reported it will be actual bloodshed.  We'll see how much of a free capitalist you are when you're taking a pipe to the back of the head whilst others are beating you with sticks, a service you didn't pay for even if all your assailants are superhunnies.

Offline king tarzan

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When there are less jobs than available, qualifying employees it won't be honest labour that's being reported it will be actual bloodshed.  We'll see how much of a free capitalist you are when you're taking a pipe to the back of the head whilst others are beating you with sticks, a service you didn't pay for even if all your assailants are superhunnies.

I'm generally speaking about before pandemic times..
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Offline winkywanky

I don't believe in creating systems for people to live off the state..
There outlandish irresponsible lifestyles creating children ( who are innocent in all this) and for the tax payer to pick up the tabs..
No thanks...


Nail. On. Head.

Offline winkywanky

WW I am a tad surprised at the anger of your responses here.  Perhaps backed up for too long.

I knew at some point I'd agree with PP1920 and WL (again), surprisingly soon as it turns out.

UBI is about lifting everyone in a society out of destitution (and ensuring against it) without prejudice.  It is NOT about giving everyone comfort and luxury.  It allows them all the breathing space to determine and actualise how they want to earn greater comforts for their own (family's) sense of well-being and achievement. 

The current system of UK benefits and the CoVID provisions have singularly flipped the middle finger to a large number of people in various financial and employment situations, denying them most if not all "benefits" given to the asset rich and those with no savings, forcing them to court or enter into bankruptcy/insolvency before being able to avail themselves of some support, after perhaps having indebted themselves at great disadvantage to other (un)scrupulous finance providers.

Human nature will never be humble enough to be content with what they have compared to what's advertised or promoted by "influencers" (aka peddlers) and there will continue to be plenty who are self-motivated enough to strive for something despite knowing they won't have to worry about losing their food, roof and sanitation.

UBI has been costed against all the other health, education, social services, unemployment benefits, housing benefits, etc and it is achievable.  It is certainly a "luxury" consideration of developed economies but it's something they face inevitably due to the increasing application of automation by (extreme/conscienceless) capitalism.

WW, you like many, may be "secure" in your well/adequately-remunerated jobs now based on other's valuation of your skills/education/experience but automation/AI is set to make (further) serious inroads into (if not replacement of) the likes of accounting, regulation, government, law, teaching, medicine, engineering, design, fashion, catering, management, manufacturing, entertainment, farming, transportation, banking, customer relations and the list goes on.  This is in the next few decades years without intervention.  People will still be in the chain but their duties will be significantly altered and their numbers severely diminished in the expensive role categories, many perhaps empty-shirts.  Highly adaptable human labour will continue to be forced to the limits, interstices and pockets of industry where automation hasn't been evolved enough yet to make it "economical".

The smoke screen of raised minimum wages is a sop to the plebiscite to keep them thinking "I'll be alright", but minimum wage only keeps you fed, clothed and housed whilst you're employed.  Don't get us started about zero hours contracts.


I live on a very modest pension after a life of public service, I'll have you know. And in a relatively lowly role too. That's down to me. Humble beginnings didn't help either, nor the lack of a sense entitlement that many use to gain traction in life, be that through birth or some political voice of a minority. I went to a Comprehensive school and fought hard to pass Exams set by Cambridge (we had a snobbish headmatser who eschewed lesser exam boards with easier to pass exams). Perhaps I'm in a position to know something about it?

But I digress.

Whilst UBI may be highly commendable in principle, in reality I am 100% sure it wouldn't work. And I didn't for one minute suggest it would be a of a level to give people free luxury, did I? It would be corrosive to society to have even a relatively small number of people simply living off others with no effort on their behalves. And it wouldn't do those on the receiving end any good either.

There is a balance to be drawn, between letting some get rich and caring for those who genuinely cannot look after themselves - and yes, Covid has kicked all that up in the air - but simply giving an amount to everyone which they could live off would do catastrophic damage to society IMO.

A transient event like Covid is not a reason to throw everything up in the air and simply start again.

I never drew benefits of any kind at any time in my life. Part of that was having a relatively safe job, part of that was through pride. If you give people money for nothing, they have no pride.

Offline Pete123

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My idea would be
Everyone would have to do something for the community
Maybe a few hours to keep their area free of litter etc
It may also install some pride in their surroundings
If others started some sort of business or were working the
UBI would be end up being recovered in tax...
Also hugely rich corporations should distribute some of their profits to the workforce...
How can some of these billionaires justify having fortune's in excess of 100 billion when their workers are on zero hours contracts
A certain retailer A...... in my eyes is like a modern day colonist dominating on line retail supported by zero hours contact local surfs and moving the profits off shore..
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Offline LLPunting

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I live on a very modest pension after a life of public service, I'll have you know. And in a relatively lowly role too. That's down to me. Humble beginnings didn't help either, nor the lack of a sense entitlement that many use to gain traction in life, be that through birth or some political voice of a minority. I went to a Comprehensive school and fought hard to pass Exams set by Cambridge (we had a snobbish headmatser who eschewed lesser exam boards with easier to pass exams). Perhaps I'm in a position to know something about it?

But I digress.

Whilst UBI may be highly commendable in principle, in reality I am 100% sure it wouldn't work. And I didn't for one minute suggest it would be a of a level to give people free luxury, did I? It would be corrosive to society to have even a relatively small number of people simply living off others with no effort on their behalves. And it wouldn't do those on the receiving end any good either.

There is a balance to be drawn, between letting some get rich and caring for those who genuinely cannot look after themselves - and yes, Covid has kicked all that up in the air - but simply giving an amount to everyone which they could live off would do catastrophic damage to society IMO.

A transient event like Covid is not a reason to throw everything up in the air and simply start again.

I never drew benefits of any kind at any time in my life. Part of that was having a relatively safe job, part of that was through pride. If you give people money for nothing, they have no pride.

You and I are from generations that were not (so) subjected to the predations of the current form of capitalism as enhanced by the "agile" approach of the Internet/App driven economies that dominate the thinking and culture of this planet.  It is arguably a more egalitarian pasture for anyone with the ability to exploit others, regardless of formal and ethical education, [fuckwit Zuckerberg cunt, and the evil donoevil deceivers].

The thing is, the same spongers that plague us now in our convoluted, mismanaged, misapplied, wasteful social welfare system would plagues us then.  However far more honest, honourable types who are disenfranchised and disabled (institutionalised prejudices aside) by the current system would be enabled by UBI.  People would have a clearer path to (better) employment without being exploited at currently unreasonable rates of pay to get into a career.  That said I'm all for anything that applies downward pressure on cost of living, 15ph for a house cleaner (to use my hoover and cleaning products and who isn't doing it naked)! 20 quid for a clipper cut! Fucking £2.30 for 6 lack-lustre clementines!

There is no excusing "some few" getting rich at the expense of many being unduly stressed and disempowered.

And even if proportionately more have no options or convictions to get into employment consider the fact that so much more of the wealth being generated will be coming from machines owned by or rented from corporations depending ultimately on those humans to drive a need for their products.  It's the fucked up evolution of the money paradigm we've built.  Wealth comes from less industriousness and more from human conception aka IP.  Look at the debacle of Huawei/China tech fabrication vs "US" IP ownership (ironically driven by so many expat Chinese).  Only a few "people" are conceiving things that so many others are endeavouring to advance so that many more plebs can consume.  Apple engineers being paid hundred of thousands of dollars to make a constantly cycled Macguffin to lock the sheep into a subscription model for music (!), entertainment and services that they don't continuously use but must constantly renew our contract for. (Things that we used to buy to own a copy to enjoy a million times or not over a "lifetime" of the medium chosen.)

Gone is the one/two careers in a lifetime before retirement and enjoying old age, now we have portfolio careers of multiple concurrent money-making endeavours hoping from employment to self-employment to switching to another track, endlessly spinning the hamster wheel to pop the "lottery ticket" win that makes the big money (and fame) so you can IG all your blessings to all the have nots and run online seminars on how to be the greatest whilst rehashing centuries old tropes in "currentspeak".

Offline Thephoenix

As a young impressionable and idealistic council estate kid, looking at the world through naive eyes, I would occasionally think that maybe my father who'd had to take early retirement from the fire brigade because of severe chest problems, deserved more.
He died too young, probably as a result of 'smoke eating'  and wearing asbestos hoods.
No elf and safety in those days.

I looked at what I thought was the inequality or imbalance of incomes,  whereby the likes of estate agents,
and other toff's jobs could earn a lot more than emergency workers, miners etc.

In my young innocent mind, I thought there should be a system whereby everyone had a universal minimum wage, which was then added to with bonuses for the such things as risk, discomfort, public service, qualifications, responsibility, etc etc, so that those sorts of jobs were valued and rewarded accordingly.

Then I grew up, and facing reality soon realised that lots of things weren't fair, but the system was such that you had to be in it to achieve your dreams of reasonable affluence, security, family etc.

You also learnt that although the capitalist system could be very unfair, at least it gave you many hard earned freedoms and democracy.
You could still see some of the ideals of communism, but also saw the failings of such dictatorships around the world, particularly with threats on freedoms, democracy, enterprise and ambition, with often the result being an equality of the lowest common denominator.

Now as an old codger, I look back at my idealistic thoughts.
I look at the increasing wealth disparity.
I look at how our emergency services, our NHS and care workers and other vital workers are so undervalued.
I wonder what the future holds for our great grandchildren, with the advent of ever more automation.

So when novel ideas about universal incomes are discussed I'm prepared to have an open mind.

..............It depends. :unknown: :D




Offline Kev40ish

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Some interesting facts.

5.5 million people working work in the public sector..
The proportion of people living in households receiving more in benefits than they paid in taxes is 47%

It seems to me that a large number of people are being supported anyway from the money generated from the private sector???

How you distribute the wealth generated from taxes has always been open to debate. I did a dissertation at Uni in the 80s and still haven’t a clue  :unknown: :unknown:
« Last Edit: March 03, 2021, 11:37:53 pm by Kev40ish »

Offline LLPunting

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Some interesting facts.

5.5 million people working work in the public sector..
The proportion of people living in households receiving more in benefits than they paid in taxes is 47%

It seems to me that a large number of people are being supported anyway from the money generated from the private sector???

How you distribute the wealth generated from taxes has always been open to debate. I did a dissertation at Uni in the 80s and still haven’t a clue  :unknown: :unknown:

That's the thing right, the tax take, moreso what it should be without the evasion, barring crazy extraordinaries like CoVID or wankers crashing the markets, would be enough currently to provide for all if it were better managed in a less complex yet broader provision.

We all resent the pissing away of tax funds through inefficiencies, wastage and criminal contracting, so it's less to do with raising taxes and more to do with getting the house in order once and for all, including the service providers and their gouging.

Offline Jimmyredcab

Universal Basic Income would be a ponces charter.   :bomb: :bomb:

Our benefits system is not perfect but already provides a basic income for most people, those on a low wage get working tax credits.

I worked a 50 hour week for over 50 years, well past retirement age.  :hi:

Online lewisjones23

I think its already here, as universal credits.

Im in full-time employment, and earn around £850 per month, and also can get £450 in universal credits, but only if my earnings fall below a threshold

genuine question, how on earth do you survive on that level of income?

Offline David1970

Universal Basic Income would be a ponces charter.   :bomb: :bomb:

Our benefits system is not perfect but already provides a basic income for most people, those on a low wage get working tax credits.

I worked a 50 hour week for over 50 years, well past retirement age.  :hi:

Problem with working tax credits is large companies know they can pay below the living wage and the state will top up the workers wages. Basically the working tax credit means companies can under pay there staff and divert the money to  director’s bonus and dividends.

Online finn5555

genuine question, how on earth do you survive on that level of income?

I know of quite a few people who survive well on minimum income obviously they don’t punt  :sarcastic:

Offline Jimmyredcab

Problem with working tax credits is large companies know they can pay below the living wage and the state will top up the workers wages. Basically the working tax credit means companies can under pay there staff and divert the money to  director’s bonus and dividends.

True, companies like Amazon and Uber are the real winners.

Offline winkywanky

You and I are from generations that were not (so) subjected to the predations of the current form of capitalism as enhanced by the "agile" approach of the Internet/App driven economies that dominate the thinking and culture of this planet.  It is arguably a more egalitarian pasture for anyone with the ability to exploit others, regardless of formal and ethical education, [fuckwit Zuckerberg cunt, and the evil donoevil deceivers].

The thing is, the same spongers that plague us now in our convoluted, mismanaged, misapplied, wasteful social welfare system would plagues us then.  However far more honest, honourable types who are disenfranchised and disabled (institutionalised prejudices aside) by the current system would be enabled by UBI.  People would have a clearer path to (better) employment without being exploited at currently unreasonable rates of pay to get into a career.  That said I'm all for anything that applies downward pressure on cost of living, 15ph for a house cleaner (to use my hoover and cleaning products and who isn't doing it naked)! 20 quid for a clipper cut! Fucking £2.30 for 6 lack-lustre clementines!

There is no excusing "some few" getting rich at the expense of many being unduly stressed and disempowered.

And even if proportionately more have no options or convictions to get into employment consider the fact that so much more of the wealth being generated will be coming from machines owned by or rented from corporations depending ultimately on those humans to drive a need for their products.  It's the fucked up evolution of the money paradigm we've built.  Wealth comes from less industriousness and more from human conception aka IP.  Look at the debacle of Huawei/China tech fabrication vs "US" IP ownership (ironically driven by so many expat Chinese).  Only a few "people" are conceiving things that so many others are endeavouring to advance so that many more plebs can consume.  Apple engineers being paid hundred of thousands of dollars to make a constantly cycled Macguffin to lock the sheep into a subscription model for music (!), entertainment and services that they don't continuously use but must constantly renew our contract for. (Things that we used to buy to own a copy to enjoy a million times or not over a "lifetime" of the medium chosen.)

Gone is the one/two careers in a lifetime before retirement and enjoying old age, now we have portfolio careers of multiple concurrent money-making endeavours hoping from employment to self-employment to switching to another track, endlessly spinning the hamster wheel to pop the "lottery ticket" win that makes the big money (and fame) so you can IG all your blessings to all the have nots and run online seminars on how to be the greatest whilst rehashing centuries old tropes in "currentspeak".


Financial controls of those at the top of the foodchain are not necessarily related to those at the bottom. Perceived unfairness at the top end need not go hand-in-hand with perceived unfairness at the bottom end, it needn't be so: some rich getting richer isn't necessarily at the expense of the poorer. I would definitely agree with greater controls and taxation of Facebook, A*azon et al, they simply do not pay their way with all the profits they make out of our society (I would also argue the effects of social media are frequently pernicious, but that's another matter).

I am much more for creating as many opportunities for those at the bottom as possible, rather than merely throwing money at them in an effort to 'help' them get on in life. I agree some would benefit, some would be on a better footing to be entrepreneurs, if indeed they had that in them (because not everybody has). But I think many would simply squander it, and I think the number of existing people who do that would probably increase. In essence it would officially confirm and further embed an underclass of sorts, with no proper incentive to lift themselves (or their children) up.

I'll be honest and say I have no personal experience of the social welfare system and I'm sure many don't like it, But I simply think giving out money without any conditions would ultimately be damaging for everyone, including those on the receiving end.

Offline winkywanky

As a young impressionable and idealistic council estate kid, looking at the world through naive eyes, I would occasionally think that maybe my father who'd had to take early retirement from the fire brigade because of severe chest problems, deserved more.
He died too young, probably as a result of 'smoke eating'  and wearing asbestos hoods.
No elf and safety in those days.

I looked at what I thought was the inequality or imbalance of incomes,  whereby the likes of estate agents,
and other toff's jobs could earn a lot more than emergency workers, miners etc.

In my young innocent mind, I thought there should be a system whereby everyone had a universal minimum wage, which was then added to with bonuses for the such things as risk, discomfort, public service, qualifications, responsibility, etc etc, so that those sorts of jobs were valued and rewarded accordingly.

Then I grew up, and facing reality soon realised that lots of things weren't fair, but the system was such that you had to be in it to achieve your dreams of reasonable affluence, security, family etc.

You also learnt that although the capitalist system could be very unfair, at least it gave you many hard earned freedoms and democracy.
You could still see some of the ideals of communism, but also saw the failings of such dictatorships around the world, particularly with threats on freedoms, democracy, enterprise and ambition, with often the result being an equality of the lowest common denominator.

Now as an old codger, I look back at my idealistic thoughts.
I look at the increasing wealth disparity.
I look at how our emergency services, our NHS and care workers and other vital workers are so undervalued.
I wonder what the future holds for our great grandchildren, with the advent of ever more automation.

So when novel ideas about universal incomes are discussed I'm prepared to have an open mind.

..............It depends. :unknown: :D


A great post which encapsulates many of my thoughts phoenix :hi:.

I like to think I have an open mind too, but I simply think the basic principle of giving everyone a basic, set amount of money with no conditions whatsoever is both morally wrong, and wasteful in itself.

Perhaps there are tweaked versions available, but then that would go against its fundamental principle?

I do think we need to find many more creative and effective ways to give everyone proper opportunity though, and that needs to be far more localised than some centralised, governmental plan. That would apply to both inner city areas and rural areas.




« Last Edit: March 04, 2021, 01:21:43 pm by winkywanky »

Online daviemac

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True, companies like Axxxxxx and Uber are the real winners.
Axxxxn warehouse staff get paid £2 above the national minimum wage.

Online finn5555

True, companies like Axxxxxx and Uber are the real winners.

Do some research before coming out with this bollocks your credibility is already at an all time low  :rolleyes:

Offline Jimmyredcab

Do some research before coming out with this bollocks your credibility is already at an all time low  :rolleyes:

Nice to see you are still reading everything that I post, just don’t wind up daviemac (again). He sussed you out a long time ago.  :hi:

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Offline winkywanky

Nice to see you are still reading everything that I post, just don’t wind up daviemac (again). He sussed you out a long time ago.  :hi:

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That's from last November Jimmy, it's almost like you saved it specially for your wankbank  :lol:

Offline Jimmyredcab

Axxxxn warehouse staff get paid £2 above the national minimum wage.

I am sure that is true but they are only guaranteed a 20 hour week, hence the need for working tax credits, plenty of links on Google will confirm that.  :hi:

Online finn5555

Nice to see you are still reading everything that I post, just don’t wind up daviemac (again). He sussed you out a long time ago.  :hi:

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Dragging a mod into it again 🥱🥱 trying to get someone to back you up  :crazy:

And every other member here has sussed you out, your posts are irrelevant, devoid of facts and like someone said earlier boring 😴

Online daviemac

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I am sure that is true but they are only guaranteed a 20 hour week, hence the need for working tax credits, plenty of links on Google will confirm that.  :hi:
There's quite a list of companies that employ people on minimum wage and have them on zero hours or very low hours contracts. At least Axxxx pay above that for the hours they do work.

Offline BobAJobMan

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I'm massively in favour of UBI, not least as it would save billions in all the bureaucracy needed to pay out different benefits, pensions etc. People would have basic security re. keeping a roof over their heads, which would boost the economy in terms of their spending, more people would be able to volunteer their time to charity etc. It would help self-employed people start up their businesses or when they had quiet periods. There's no evidence that it would turn us into a society of slackers.
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Offline willie loman

I'm massively in favour of UBI, not least as it would save billions in all the bureaucracy needed to pay out different benefits, pensions etc. People would have basic security re. keeping a roof over their heads, which would boost the economy in terms of their spending, more people would be able to volunteer their time to charity etc. It would help self-employed people start up their businesses or when they had quiet periods. There's no evidence that it would turn us into a society of slackers.

correct the opponents of ubi dont grasp that it has many positives, social and economic.

Online RogerBoner

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If you work hard and plan well you shouldn't need to depend on income after the age of 46.

Offline David1970

If you work hard and plan well you shouldn't need to depend on income after the age of 46.

How do you work out the exact age of 46?

Online RogerBoner

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How do you work out the exact age of 46?
Pension scheme started when only 24. I managed it.

Offline winkywanky

Pension scheme started when only 24. I managed it.


To be fair, not everyone's as clever as you Roger, nor do they have such alluring attire  :D.

Online RogerBoner

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I'm surrounded by arty types, almost a poverty cult. The musicians are conflicted because the government have given them grants to buy studio equipment. The restaurant owners can't poach an egg. I think that I'm flexing some arrogance because I've had my first jab and cannot wait to trample over the dross when I re-emerge with both guns blazing.

Offline David1970

Pension scheme started when only 24. I managed it.

You took early retirement?

Offline Jimmyredcab

If you work hard and plan well you shouldn't need to depend on income after the age of 46.

What a totally ridiculous statement, some people have worked hard all their life and could never retire at 46.  :crazy:

Online RogerBoner

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Online daviemac

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Why is 46 early? Who says so?
Normal retirement age was 65 though I believe it goes past that now. So 46 is early by any standards.

Offline Paris69

Why is 46 early? Who says so?

I do, for one.
Was able to retire at 44; me and one of my besties (heartbreakingly, now deceased)...
We lasted 4 months; drinking coffee and playing the Zombie game i don't even like (Golf).
Independently we both came to the conclusion, quickly, that we had become irrelevant to life in general.

One serious hobby, plus reading/gigs/cinema/travel/the missus and some G/F's couldn't replace the thrill of work.

Maybe's within the next 1-2 years the time will be right for me as i'll be 62-63..... Or maybe's P/T might make it easier on me...
« Last Edit: March 05, 2021, 03:40:35 pm by Paris69 »
Banned reason: Idiot fantasist
Banned by: daviemac

Offline Jimmyredcab

Normal retirement age was 65 though I believe it goes past that now. So 46 is early by any standards.

No more state pensions at 65.     :thumbsdown: :thumbsdown:

My mate who just died from Covid was due to receive his state pension from this April when he would have been 66.



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Online RogerBoner

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I do, for one.
I regret it. People stopped paying me special attention as I'd lost my status. I wasn't free because I had a young family and a lack of routine meant that I couldn't regard myself as a good role model to the kids. HMRC paid me too much attention. Sick parents stopped us from moving to sunnier climes. Now I'm old I'm not regretting it anymore and I'm pleased that I didn't develop any really bad habits. I hate golf, or do I hate people who talk about golf?

Online Doc Holliday

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I do, for one.
Was able to retire at 44; me and one of my besties (heartbreakingly, now deceased)...
We lasted 4 months; drinking coffee and playing the Zombie game i don't even like (Golf).
Independently we both came to the conclusion, quickly, that we had become irrelevant to life in general.

I regret it. People stopped paying me special attention as I'd lost my status.

Due to a physical issue I also had to retire early though not as early as you two. I was financially secure. Prior to retirement I had done a fair bit of voluntary work, which I returned to and upped my involvement. Most of this involved using my 'little grey cells' rather than physical endeavours and which continued to challenge me and give me purpose. It also maintained my status and respect within the spheres I was working (unpaid) in, although this was a much different environment to my previous professional career.

For anyone reading this who finds themselves in the position of retiring early, I would strongly advise considering voluntary work. Golf is another no from me also  :D
« Last Edit: March 05, 2021, 05:39:09 pm by Doc Holliday »

Offline ulstersubbie