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Credit Union Loan For Employers

 
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mark occomore



Joined: 07 Dec 2006
Posts: 9955
Location: UK

PostPosted: Sat May 31, 2014 5:17 am    Post subject: Credit Union Loan For Employers Reply with quote

Retail employers are too offer Credit Union loans to stop employees turning to payday lenders who charge high rates of interest.

http://news.sky.com/story/1272467/retailers-credit-union-to-defy-payday-lenders

_______________

Although it's a good and cheaper option. Employers should offer better rates of pay - instead of offering a loan.
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ruddlescat



Joined: 16 Sep 2010
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Location: Near Chester

PostPosted: Sat May 31, 2014 9:07 am    Post subject: Reply with quote

Rates of pay are generally too low and we can all thank one Mr Blair for that situation with his introduction of the so called 'minimum wage'

Before its introduction ordinary jobs were advertised at different rates of pay - often higher than the current minimum wage - but now of course virtually every routine job is advertised at the minimum wage - and most are filled by foreign imposters which again Mr Blair encouraged in order to assist multi national employers and in order to keep ordinary native British workers living only just above the bread line

As for Payday loans they are yet another unwelcome American import which this country can well do without Mad
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Colin



Joined: 26 Sep 2013
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PostPosted: Sat May 31, 2014 11:26 am    Post subject: Reply with quote

ruddlescat wrote:
Rates of pay are generally too low and we can all thank one Mr Blair for that situation with his introduction of the so called 'minimum wage'


I supported its introduction then and I support its continued existence now.

ruddlescat wrote:
Before its introduction ordinary jobs were advertised at different rates of pay - often higher than the current minimum wage - but now of course virtually every routine job is advertised at the minimum wage - and most are filled by foreign imposters which again Mr Blair encouraged in order to assist multi national employers and in order to keep ordinary native British workers living only just above the bread line


I disagree strongly and feel this is a bogus argument of the sort we get from conmen like Farage. My son is a qualified engineer working in a test lab of a large American company. He put in a request for two engineering technicians and an apprentice. The applications received from "native British workers" was abysmal; of the 5 shortlisted people for the two jobs, one didn't turn up for the interview. One of them said he was really a musician but looking for a job to "tide him over" (presumably until he wins the X-Factor) and those they did interview were just not good enough. And their expectations of salary were way above what they were worth in the business.

Eventually, through a Polish subsidiary company, they recruited two engineering technicians who have been fantastic. And they're being paid more than the advertised rate in order to retain them! Poland produces very good engineers who are mostly keen to improve their lot. Our economy desperately needs them because without such skills we're doomed. God knows we took a big enough hit in the early 80s when Thatcher decided that we should be a "service" economy rather than a "manufacturing" economy. What a stupid policy that was - and we're now paying the price.

It's the same story for a bistro restaurant near to us. The previous owners went out of business partly because customers railed at the appalling service received from grumpy, lazy and indifferent "native British workers". With a new owner now turning things around, 4 of the 5 serving staff are from Poland - and very, very good they are too. And they speak the language of their host nation - which is more than be said for the majority of the 300,000+ British expats living on the Spanish costas.

ruddlescat wrote:
As for Payday loans they are yet another unwelcome American import which this country can well do without Mad


The economic situation has, unfortunately, precipitated this for many people.
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ruddlescat



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PostPosted: Sat May 31, 2014 7:03 pm    Post subject: Reply with quote

I agree with some of what you say Colin but surely the answer is for a points rating system to be introduced so we can restrict immigration to those people with the skills which we actually need - exactly like countries such as Australia have done for many years

I can't comment on Polish engineers but I know Polish dentists are generally good - I have one myself supported by a Romanian dental assistant and a Latvian hygenist Rolling Eyes
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Colin



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PostPosted: Sun Jun 01, 2014 9:39 am    Post subject: Reply with quote

ruddlescat wrote:
I agree with some of what you say Colin but surely the answer is for a points rating system to be introduced so we can restrict immigration to those people with the skills which we actually need - exactly like countries such as Australia have done for many years


Th problem there is that while we're still a member of the club known as the EU then it can only work both ways. I know a young bloke who was fed up with the lack of opportunity here in the UK about four years who upped sticks and moved to Madrid. He got work in a restaurant there and has now made a good life for himself. If the UK imposes the kind of rules both yourself and Farage propose then he wouldn't have been able to to do that. We can't have it both ways.

Vince Cable tells a story which is identical to an experience of ours; we were flying down to Malaga and a woman in the window seat beside us said that she was on her way down to her apartment in Fuengirola. She was applying for her Spanish "residencia" ahead of a permanent move there. Why? Because she wanted to get out of the UK and cited "too much immigration from Europe" as her motive. She couldn't see the irony of her statement!

ruddlescat wrote:
I can't comment on Polish engineers but I know Polish dentists are generally good - I have one myself supported by a Romanian dental assistant and a Latvian hygenist Rolling Eyes


Exactly. But where is the line drawn - and who draws the line that defines who is, and who isn't, elligible? I'd argue that because our hospitality and healthcare industry is desperately short of labour, then persons willing to work in those fields should be prioritised as well. So who decides?
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ruddlescat



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PostPosted: Sun Jun 01, 2014 10:20 pm    Post subject: Reply with quote

Well Colin in my view the ordinary British people should decide and their views should be democratically reflected in the actions of their elected representatives - but sadly right now they are not at all

People including me will vote UKIP at the present time because none of the other parties are offering anything at all on major issues affecting ordinary people in their daily lives

What Nigel Farage says makes perfect sense - as most immigration comes from other EU states then so long as we remain a member of that expensive over centralised organisation we will never get back control of our own borders and however big any clampdown may be against immigration from the rest of the world it's a pointless exercise

If the three existing major parties did their job properly in reflecting popular opinion on such issues then there would be no need for UKIP as I'm sure Mr Farage would be the first to agree Smile
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Colin



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PostPosted: Mon Jun 02, 2014 8:25 am    Post subject: Reply with quote

ruddlescat wrote:
People including me will vote UKIP at the present time because none of the other parties are offering anything at all on major issues affecting ordinary people in their daily lives


I don't agree. I think the reason is that a large number of people (many of whom are "working class", I'm sorry to say) don't make an effort to study the politics of the United Kingdom or to make any attempt to understand what it is that each of the major parties stand (or stood) for. I understand the fundamental differences between each of the three main parties and how the policies of each of them has affected the society in which I live today and it's on that basis that I decide who should be the recipient of my support on the ballot paper.

The problem is that people are allowing themselves to be controlled by a tsunami of right-wing rhetoric - something that we've seen before in Germany in the 1930s.

In my opinion, UKIP is very, very dangerous and people are walking blindfold into a minefield by lending them their support. I don't trust Farage any more than the other educated, wealthy, well-groomed, well-rehearsed middle-class party leaders.
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ruddlescat



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PostPosted: Mon Jun 02, 2014 12:23 pm    Post subject: Reply with quote

At the end of the day though Farage believes in democracy and is neither racist or against all immigration unlike the likes of the BNP and certain other small nationalist parties

I think it's insulting to the ordinary British working class person to suggest that they don't make an attempt to understand different parties policies

The problem is that there is virtually no difference between any of those parties when it comes to topics like immigration, gay marriage , human rights issues for foreign terrorists and a whole host of others

That is why UKIP is currently generating such large support and to compare the situation to pre war Nazi Germany is frankly ridiculous

In Germany at that time that country had proper controls over its borders and Hitler was simply a power mad dictator who took advantage of the depressed world economy to promote his brand of National Socialism

We just like Germany and many other countries in Europe now no longer have control over our borders which is why voters in France and Spain as well as Britain are sending out messages loud and clear that enough is enough Sad
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Colin



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PostPosted: Mon Jun 02, 2014 7:58 pm    Post subject: Reply with quote

ruddlescat wrote:
I think it's insulting to the ordinary British working class person to suggest that they don't make an attempt to understand different parties policies


I'm not implying that it's all working people, but it's definitely true of many people. Time and again I talk to people who clearly don't have a clue what each of the parties represent (in theory if not in practice) and I'm not in the least bit surprised that they adopt a common attitude to politics in general. That's why I think that many who believe UKIP to be the panacea for the UK's ills are seriously misguided. Why? Because they're allowing themselves to be pursuaded by Farage's rhetoric. They really should read between the lines of the party's party documents - but they won't, of course.

ruddlescat wrote:
The problem is that there is virtually no difference between any of those parties when it comes to topics like immigration, gay marriage , human rights issues for foreign terrorists and a whole host of others

That is why UKIP is currently generating such large support and to compare the situation to pre war Nazi Germany is frankly ridiculous


We'll have to disagree. In the 1930s, the masses of Germany were whipped up into a collective frenzy on the back of the rhetoric and lies of a few - and if that isn't happening again in the UK then my name's Fred Bloggs.

ruddlescat wrote:
In Germany at that time that country had proper controls over its borders and Hitler was simply a power mad dictator who took advantage of the depressed world economy to promote his brand of National Socialism


Exactly!

ruddlescat wrote:
We just like Germany and many other countries in Europe now no longer have control over our borders which is why voters in France and Spain as well as Britain are sending out messages loud and clear that enough is enough Sad


The people of Cornwall don't have control of their border, either, and the county (once a country with its own Stannary Parliament) is now over-run by English immigrants who have sold their south-easter properties and have bought up property in Cornwall - and for the last 20 years or so they've been telling the indigenous population how to run their lives. However, the Cornish (and I'm half-Cornish) are an intensely proud people who don't consider themselves "English", but they know that Cornwall is part of a larger club called "the United Kingdom" and they just have to live with it because to break away would be disastrous. And that's the parallel I draw with the UK and the European Union. It has its faults which should be rectified, but to pull out as that nutter Farage desires is utterly stupid.
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ruddlescat



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PostPosted: Mon Jun 02, 2014 8:34 pm    Post subject: Reply with quote

Well Colin if you're going to go back to the days of Kernow seeing its self as not being a part of Britain we might as well go back to the days of Queen Boudicea when the whole country was divided into separate regions

The fact is we are an island nation but in reality we have far more in common with our cousins in America and Canada and Australia and numerous other territories I could mention compared to the French or Germans

The EEC which magically turned into the EU without any consent from the ordinary people of Europe is a completely alien concept to most people in Britain and actually also in many other European countries and is an invention of the classes in power such as Blair and Cameron who have an agenda which doesn't give a s--t about the views of ordinary voters in Britain or even in Europe

Sooner or later the ordinary voters will rebel and what we're seeing now is just the start of a much bigger realignment of political power Smile
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