The virus. PPE. Part 1

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There was some good news in there for us plebs in the 3 month mortgage holiday,but little in the way of help for say, the wedding photographer with 2 kids and rent to pay, the plumber or the painter and decorators with little or no work in their diaries as the public are too frightened to allow people in the house, or the pub landlord with no customers coming in through his door but plenty there though for the likes of Branson who can self-isolate on Necker with his feet up and another Pimm's.....chin,chin.

Difference is by supporting the likes of Branson and big business, you help safeguard thousands of jobs and knock on jobs. That said, a rate freeze for pubs for 12 months is not enough
 
Difference is by supporting the likes of Branson and big business, you help safeguard thousands of jobs and knock on jobs. That said, a rate freeze for pubs for 12 months is not enough

It comes across like socialism for big bussiness and capitalism for the small guy, there are litterally hundreds of thousands of small bussinesses who are right now in s*** street, heaven knows how many families are in rented houses and there is little or no help for these poor souls at all.
 
It comes across like socialism for big bussiness and capitalism for the small guy, there are litterally hundreds of thousands of small bussinesses who are right now in s*** street, heaven knows how many families are in rented houses and there is little or no help for these poor souls at all.
My understand is that a rental package announcement tomorrow.
 
My understand is that a rental package announcement tomorrow.

That will be interesting and very welcome, hopefully it does come about for those renting. Weird though watching and listening to a Conservative government implementing Labour values and policy, socialism is fast becoming the new capitalism. :banana:
 
That will be interesting and very welcome, hopefully it does come about for those renting. Weird though watching and listening to a Conservative government implementing Labour values and policy, socialism is fast becoming the new capitalism. :banana:

We have a single rental property and if we have to give them a break on their rent, combined with the impact to the wedding business then it's going to be disastrous for us.

Mortgage holidays aren't as good as they sound, as when they restart you're often tied into paying more and a higher interest rate.
 
That will be interesting and very welcome, hopefully it does come about for those renting. Weird though watching and listening to a Conservative government implementing Labour values and policy, socialism is fast becoming the new capitalism. :banana:
It has implications for my son , his employer is already on shaky ground and their main customer is the cruise industry.
 
We have a single rental property and if we have to give them a break on their rent, combined with the impact to the wedding business then it's going to be disastrous for us.

Mortgage holidays aren't as good as they sound, as when they restart you're often tied into paying more and a higher interest rate.

True but it has to be better than nothing.
 
We have a single rental property and if we have to give them a break on their rent, combined with the impact to the wedding business then it's going to be disastrous for us.

Mortgage holidays aren't as good as they sound, as when they restart you're often tied into paying more and a higher interest rate.

I had read that the 3 month 'holiday' is available anyway to most borrowers, the 3 month grace along with interest accrued is simply added onto the end of your existing mortgage time,so long term you are financially worse off, OK you get the 3 months during CV, but what about the months after? you would still have to find the repayments.

The chancellor, Rushed in Sunak, will surely have to make provision for landlords, afterall they are or may be borrowers too and we all ( well the vast majority of us) have debts of one sort or another that have to be paid. Time will tell.
 
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True but it has to be better than nothing.

A holiday to rent would mean us getting nothing, still having mortgage interest to pay, insurances etc. Not all landlords are massive companies who could absorb it.

If it lasted more than a few months we'd probably have to sell the property, which would then leave our tenants having to find somewhere new. At a time where landlords can't charge rent...

Not as simple as it first sounds.
 
A holiday to rent would mean us getting nothing, still having mortgage interest to pay, insurances etc. Not all landlords are massive companies who could absorb it.

If it lasted more than a few months we'd probably have to sell the property, which would then leave our tenants having to find somewhere new. At a time where landlords can't charge rent...

Not as simple as it first sounds.

Not saying it is, but as they say every little helps. There a many who will get absolutely no help from the government (or any one else) so be grateful you may get something.
 
I feel a bit bad about this because up until I became aware, during Dominic Raab's update in the Commons at 1230 today, of the below quote by Prof Sir Charles Bean, (OBR committee member) when he was addressing the Treasury Committee this morning(Tuesday) I was blaming the Chinese for the origin of the Corona virus. However, this morning Prof Sir Charles Bean told the Treasury Committee that it can only be described as an act of god so not the Chinese authorities atall for allowing wet markets to still function even after the 2002/3 SARS outbreak was sourced to a Chinese wet market.

Sir Charles was talking about the lack of insurance cover re businesses having to close through no fault of their own...but that of a god, according to him.

He said: "This is why we need the State there to be insurer of last resort against what can only be described as 'an Act of God"

Maybe the god responsible..there are approximately 2500 mainstream gods and which one was responsible wasn’t made clear …decided to inflict upon the human species one of the more vicious weapons in his/her armoury because of the way the Chinese..a decidedly ungodly nation, were maltreating some of his/her other creations
 
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A holiday to rent would mean us getting nothing, still having mortgage interest to pay, insurances etc. Not all landlords are massive companies who could absorb it.

If it lasted more than a few months we'd probably have to sell the property, which would then leave our tenants having to find somewhere new. At a time where landlords can't charge rent...

Not as simple as it first sounds.

Yep that is our business we have 5 and even with mortgage holidays will be still paying insurance and boiler cover for each which probably adds up to around 400/500 plus a month .
So no income and a lot that has to go out,
I can’t claim benefits as technically I’m not working it’s investment so don’t pay NI and have no pension.
we have worked hard to build this business and are always fair to our tenants , we generally offer our properties below the market value here and as long as they tell us have no issues with slightly late payments.
But this would leave us screwed, which as said could well end up with them chucked out anyway.
 
Yep that is our business we have 5 and even with mortgage holidays will be still paying insurance and boiler cover for each which probably adds up to around 400/500 plus a month .
So no income and a lot that has to go out,
I can’t claim benefits as technically I’m not working it’s investment so don’t pay NI and have no pension.
we have worked hard to build this business and are always fair to our tenants , we generally offer our properties below the market value here and as long as they tell us have no issues with slightly late payments.
But this would leave us screwed, which as said could well end up with them chucked out anyway.

I do hope things work out for you .As per usual with HMG and alluded to by K.Andy to understand any measures properly you have to drill down, as they say.

This situatiion is catastrophic for many businesses and many are going to go to the wall. Normally the agent causing a problem could be sued but can China be sued for this..? of course not.

Most people are concerned about getting enough toilet rolls and pasta in, at least those who aren't in fear of losing their jobs and overlook the wider picture.The stock market rebounded about 3% today but as ever, once realisation of the measures are properly understood then it could well be a short-lived bounce.
 
Not saying it is, but as they say every little helps. There a many who will get absolutely no help from the government (or any one else) so be grateful you may get something.

What do mean I'll get something? Letting my tenants not pay any rent is the exact opposite of getting any help?
 
Trouble is most of those in goverment from both sides of the benches live in the dreamworld were everyone is a law abiding tax paying loyal subject , they are not taking into account the other side of things those that will just see it as a way to make a few bob out of a bad situation , already reports are coming in of people offering to shop for the housebound , as long as they give them there card details to pay for it .. I have seen with my own eyes a wife Of a person with suspected CV out shopping 3 shops ,and yesterday posting on faceberk before and after hairdressing photos ..
this is where well intentioned moves will soon go tits up good style .. even my own granddaughter said yesterday I won’t stay indoors for two weeks . It would need Marshall law enforced by the army on the streets .but our police and army are both to small to cope
 
I suppose one of the lessons learned from CV is that some of the British public really are selfish beyond belief. A friend of mine was in Asda at 5:30 this morning on his way to work, he asked us if we needed anything lastnight as he knows we are in isolation, we only really wanted (not needed) bread. He messaged me at 6:15 from work to say the shelves are bare unless you want shampoo or bin bags, the rest is like 1970's Russia.
 
Trouble is most of those in goverment from both sides of the benches live in the dreamworld were everyone is a law abiding tax paying loyal subject , they are not taking into account the other side of things those that will just see it as a way to make a few bob out of a bad situation , already reports are coming in of people offering to shop for the housebound , as long as they give them there card details to pay for it .. I have seen with my own eyes a wife Of a person with suspected CV out shopping 3 shops ,and yesterday posting on faceberk before and after hairdressing photos ..
this is where well intentioned moves will soon go tits up good style .. even my own granddaughter said yesterday I won’t stay indoors for two weeks . It would need Marshall law enforced by the army on the streets .but our police and army are both to small to cope

You make a valid point. The Westminster (but not only Westminster) bubble has, for decades, lived in a world where they believe that the prime solution to a problem is to make a law. They are oblivious to the reality where people have to live with laws that don't actually change anything because they are, for a variety of reasons, ignored.
Re your reference to dodgepots who make a few bob out bad situations. Yesterday I got a round robin warning from Neighbourhood Watch Scotland about a bunch of dirty rotten scoundrels masquerading as British Red Cross staff and offering to test for Covid 19.
 
The propose coronavirus bill is quite far reaching. The cynic in me wonders how how long the tories had some of these measures up their sleeve waiting for a moment like this. Many predicted that once post Brexit unrest and shortages appeared Boris and Dom would use that as an excuse for draconian new laws. Their opportunity has come early..

There is definitely a need for measures, but there is an analogy with a wartime situation, so there should be a national government sooner rather than later.

https://www.gov.uk/government/publi...-it-will-do/what-the-coronavirus-bill-will-do
 
A holiday to rent would mean us getting nothing, still having mortgage interest to pay, insurances etc. Not all landlords are massive companies who could absorb it.

If it lasted more than a few months we'd probably have to sell the property, which would then leave our tenants having to find somewhere new. At a time where landlords can't charge rent...

Not as simple as it first sounds.

Same with mine. I’ll still have tp pay maintenance, insurance and I don’t imagine the agents are going to love losing the management fees.

so, without rent I’ll have to ask them to leave. Even if the mortgage payments get differed I have to find them sometime a
 
What do mean I'll get something? Letting my tenants not pay any rent is the exact opposite of getting any help?

Sorry I linked to the wrong post of yours, I was referring to your post regarding Mortgage holiday.
 
Difference is by supporting the likes of Branson and big business, you help safeguard thousands of jobs and knock on jobs. That said, a rate freeze for pubs for 12 months is not enough

Hmm, lets be honest, much of the support to big business does not trickle down. If any support is given there must be strict terms attached such as not laying off staff, removing bonuses paid to executives, union recognition etc.
 
Hmm, lets be honest, much of the support to big business does not trickle down. If any support is given there must be strict terms attached such as not laying off staff, removing bonuses paid to executives, union recognition etc.

and where's the tax avoided by registering their companies abroad? you can bet your last penny it is staying abroad in their tax havens, we ,the menials are bailing out the big boys again ala 2008.
 
Watched the chancellor unveil his financial reply to the crisis earlier ,I believe Jeremy dustbins reply was well I offered them free internet :wave::wave::wave:

Dare I say that if "Jeremy dustbins" announced a £330bn fund the first questions would be of a certain magic money tree

Edit: To be clear I'm not saying this spending to support the economy isn't a good thing, quite the opposite in fact.
 
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I suppose one of the lessons learned from CV is that some of the British public really are selfish beyond belief. A friend of mine was in Asda at 5:30 this morning on his way to work, he asked us if we needed anything lastnight as he knows we are in isolation, we only really wanted (not needed) bread. He messaged me at 6:15 from work to say the shelves are bare unless you want shampoo or bin bags, the rest is like 1970's Russia.

Its not that bad, been to Lidl and Tesco today for odds and aside from Paracetamol, loo roll and spuds (in tesco) there was lots of stuff - Bread is out in our local coop apparently, and many tinned stuff is out of stock but lots of veg, fruit, meat, and other stuff.

Had a massive go at some woman who was trying to buy some 25 sliced loaves in Tesco. She thought she had got round it by using self scan till i kicked up a fuss and the staff made her put all but 3 back.
 
I feel a bit bad about this because up until I became aware, during Dominic Raab's update in the Commons at 1230 today, of the below quote by Prof Sir Charles Bean, (OBR committee member) when he was addressing the Treasury Committee this morning(Tuesday) I was blaming the Chinese for the origin of the Corona virus. However, this morning Prof Sir Charles Bean told the Treasury Committee that it can only be described as an act of god so not the Chinese authorities atall for allowing wet markets to still function even after the 2002/3 SARS outbreak was sourced to a Chinese wet market.
It's now less clear than ever that the market was the original source of the outbreak. The first documented patient was not associated with the market, and there is now apparently a case from weeks earlier from an unspecified location in Hubei. The market might just have been the location of the first workplace spreading event.
 
I have weekly physio at the Chilterns MS Centre (was there yesterday). Got an email last night to say that it is closing for the duration along with a number of other centres. Wasn't a shock but these places are a lifeline for so many people. ;)
 
It is the true sense of the word. It means you chose to take part as opposed to being forced to take part, it doesn't mean you can't be paid.

Nope, not if people are pressured into it which can be psychological or financial


Certainly a start if it works, though a vaccine would be even better I guess.
 
Its not that bad, been to Lidl and Tesco today for odds and aside from Paracetamol, loo roll and spuds (in tesco) there was lots of stuff - Bread is out in our local coop apparently, and many tinned stuff is out of stock but lots of veg, fruit, meat, and other stuff.

Had a massive go at some woman who was trying to buy some 25 sliced loaves in Tesco. She thought she had got round it by using self scan till i kicked up a fuss and the staff made her put all but 3 back.

25 loaves! somebody likes sandwiches and toast........W.......T.......F?? This is exactly the behaviour that I was alluding to.
 
I feel a bit bad about this because up until I became aware, during Dominic Raab's update in the Commons at 1230 today, of the below quote by Prof Sir Charles Bean, (OBR committee member) when he was addressing the Treasury Committee this morning(Tuesday) I was blaming the Chinese for the origin of the Corona virus. However, this morning Prof Sir Charles Bean told the Treasury Committee that it can only be described as an act of god so not the Chinese authorities at all for allowing wet markets to still function even after the 2002/3 SARS outbreak was sourced to a Chinese wet market. .............. etc.

Wonderful, isn't this just wonderful. Here we are in a situation with a huge loss of life having happened and pending. It is utterly vital that the origins of the infection are pinpointed and understood and along comes someone who trots out this act of god claptrap (a phrase used by insurers as a get out clause).
 
I have weekly physio at the Chilterns MS Centre (was there yesterday). Got an email last night to say that it is closing for the duration along with a number of other centres. Wasn't a shock but these places are a lifeline for so many people. ;)
Sorry to hear that. I’ve just had an operation that might have happened in a month‘s time indefinitely postponed — hospital cancelling all elective surgeries naturally.
 
25 loaves! somebody likes sandwiches and toast........W.......T.......F?? This is exactly the behaviour that I was alluding to.
Maybe it was a miracle, she only put three in the trolley and they turned into 25, were there any fishes in the trolley too? :).
 
Maybe it was a miracle, she only put three in the trolley and they turned into 25, were there any fishes in the trolley too? :).

I'm sure I've heard that tale before somewhere.

Ghandi: " The world has enough for everyone's need, but not enough for evryones greed" - just about right if you were to ask me.
 
Wonderful, isn't this just wonderful. Here we are in a situation with a huge loss of life having happened and pending. It is utterly vital that the origins of the infection are pinpointed and understood and along comes someone who trots out this act of god claptrap (a phrase used by insurers as a get out clause).

Do you not believe that the powers that be don’t already know exactly the origin?
It’s another govt game,.....a sick and deadly game.
One that ensures that we (joe public) are the losers ( nothing new there then!)
 
Sorry to hear that. I’ve just had an operation that might have happened in a month‘s time indefinitely postponed — hospital cancelling all elective surgeries naturally.

Yes, I feel for everyone who's been waiting for operation only to have them cancelled with no way of knowing when they'll be rescheduled. I can only hope that you get your op as soon as possible.

As for me, I can do a certain amount on my own at home but there are many who use these centres who rely on the physios and specialist equipment. MS is an insidious disease that affects people of all ages in so many different ways.
 
This morning my nearest Dental Practice posted an item on Facebook.
Part of it reads as follows:-
"
‼️ESSENTIAL UPDATE - Please read and share.‼️

This morning, we received a very important email from the Chief Dental Officer of Scotland, advising us that as of today (Wednesday 18th March 2020), all dental practices across Scotland will be severely limited as to the dental procedures we are allowed to provide.

We will not be allowed to use any of our dental equipment that uses water, or creates a spray, which rules out being able to provide routine fillings, root treatments, crowns and bridges etc unless it is classed as a severe dental emergency."
 
Maybe it was a miracle, she only put three in the trolley and they turned into 25, were there any fishes in the trolley too? :).

I never understood that story. If he was so clever why 2 fish and 5 loaves. Why not one of each?
 
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