Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: EWCServices on May 17, 2011, 06:46:24 pm
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a couple of days ago i pointed out the effect of interest rate rises on the service we provide and as per usual on this forum you get the numpties who know better,well heres the head honcho mervyn king backing me up if the numpties have the time to read: http://www.telegraph.co.uk/finance/economics/8519240/Inflation-could-go-higher-if-workers-demand-pay-increases-Mervyn-King-warns.html
notice the quote at the bottom of the article:Mr Philpott said: "The Bank could possibly make things worse for many workers if they increase interest rates, some are suggesting, because it would increase their mortgage payments, which could be the straw that breaks the camel's back."
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We're all dooooooomed I tell ye!
:D
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was i psychic or do you know better than the brains of britain?im talking about chief economists etc not myself of course lol
ps your one helluva fast reader tosh lol
1. Numpty
Scottish usage:
a) Someone who (sometimes unwittingly) by speech or action demonstrates a lack of knowledge or misconception of a particular subject or situation to the amusement of others.
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was i psychic or do you know better than the brains of britain?im talking about chief economists etc not myself of course lol
ps your one helluva fast reader tosh lol
1. Numpty
Scottish usage:
a) Someone who (sometimes unwittingly) by speech or action demonstrates a lack of knowledge or misconception of a particular subject or situation to the amusement of others.
thanks for that. you learn something every day on here :o gosh :o :o :o :o :o
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and if Greece goes bust AGAIN then the European banks including Brittain will have to take another massive hit
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Mervyn King is a darts player, isn`t he?
What does he know about economics? Home economics, maybe.
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lol Dave numpty is a Scottish word i thought i would explain it as i doubt most on here would know what it means but thanks for being a prime example of the definition of the word numpty.That is unless im wrong and you werent trying to be sarcastic and if so i apologise.
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So I take it there will be no bank rate rises for a while at least then.
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lol Dave numpty is a Scottish word i thought i would explain it as i doubt most on here would know what it means but thanks for being a prime example of the definition of the word numpty.That is unless im wrong and you werent trying to be sarcastic and if so i apologise.
I did know what numpty stood for i was being sarcastic but in a nice way just to liven thing up a bit no harm done
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Looks like the custies will be peeling off faster than we can put them ino the round then. Tosh is right, WE'RE DOOMED!!! ???
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No i think the right thing to do is if your round is full of mortgaged domestic customers to keep door knocking incase the inevitable interest rate rises affect your business by people having to decide which of their monthly outgoings they will have to lose for instance one customer told me recently your the first to go along with hubbys golf membership,this forums about advice and helping each other i think its just a shame that in a lot of posts theres people who are shall i say negative towards the original posters views instead of having anything positive to contribute,theres an old adage if you dont have anything good to say then dont say nothing.Im not just on about my own post a cpl of days ago but posts time and time again from others and its normally from the same negative people.
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So take that as a friendly bit of advice there may be some people on here with skin less thicker than mine who could do without the negativity guys and im sure the person who originally started this place would agree with me.
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Good point EWC, forums are for advice, banter and help. Also, if someone pipes up with something that some member doesn't agree with, then that member can say so and make his or her point. That's what you get on forums. Different points of view. If you don't like that, there is no need to get angry and abusive and call members "Numpties" or such names. In banter this is acceptable though.
I don't think interest rates will make a massive difference to my business. As I said before, I've well over 300 soldiers families as custies here who have ALL lost at least 600 to 700 quid a month on allowences. Lost only one custy as a result. Gained lots of new custies though in the last 4 weeks. Normal for springtime.
If you want to worry and fret about rates, great, knock yourself out with it, just don't expect some or all to agree with your view.
I've been in this game a while now. Since 89, I've seen these resessions come and go, I'm still here.
Don't get abusive, don't forget,that's only for banter. This isn't banter.
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theres an old adage if you dont have anything good to say then dont say nothing.Im not just on about my own post a cpl of days ago but posts time and time again from others and its normally from the same negative people.
Rubbish ;D.
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aye but to be fair cozy your no even in this country so why your sticking your neb into something hang on
a) Someone who (sometimes unwittingly) by speech or action demonstrates a lack of knowledge or misconception of a particular subject or situation to the amusement of others.
aye thats its i thought i had de ja vu there lol
and btw i wasnt getting angry or abusive jis stating facts son.
lol the guys in bloody germany dealing wi folks whos got secure jobs what the hell is he prattling on about.
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I was going through yir posts cozy till i got bored,you got nothing to constructive to offer from what i can see,seems your only on here to kill the boredom till yir deid sorry but thats ma opinion and banter ave got real m8s down the pub a can banter wi maybe you should join a site that could help you find friends to banter wi in real life?
infact here http://www.cleanitup.co.uk/smf/index.php?board=12.0 this is obviously where you should spend most of your time on this site,theres only so many times ye can tell folk ye clean soldiers windows in germany before it gets tedious.
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You see, that's what I mean EWC. No need to get nasty because I see it differently to you. A forum is where views are exchanged. You said as much yourself. Calm down mate. I'm not asking you to marry me. Who cares what you think of my posts? Not me. You sound a real barrel of laughs. Army, secure jobs!!! Funny guy.
What was that old jocks name in "Dad's Army"? Frazer! That was it. "We're all doomed" ;D ;D ;D
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mate this is a window cleaning issues section its not the window cleaners banter section what posts have you made that is constructive to window cleaning issues?
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I was merely pointing out to newbies and to others whom it may concern what (may) lie ahead for some of us so that we can face up to it and deal with it,it is a window cleaning issue believe it or not no matter how much you try and ridicule that matter ok.
your not in the uk you dont deal with people with mortgages so your input is so far no needed your just wasting space.
give me one reason why you have any relevance to this thread?
your obviously just trolling go get a life sunshine.
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mate this is a window cleaning issues section its not the window cleaners banter section what posts have you made that is constructive to window cleaning issues?
You are obviously upset because your point isn't a great hit you'd hoped for I take it? Just chill and stop ranting. You're right, all windies will lose custies hand over fist in the near future. You warned us all.
(http://www.fileden.com/files/2007/5/5/1049558/images.jpg)
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wasnt looking for my point to be hit,i was forewarning what may lie ahead jeezo its called advice.And my solution was to keep door knocking incase anyones domestic round takes a hit,now is the time to step up canvassing is all im saying in the thread just incase.
but im also quite happy to point out that you are a total irrelavance
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What's "Neb" mean? A bit baffled there ??? Is it genitals or something?
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EWC he has give lots of advice on here, in this section, some of it I have heeded, especially working in sub zero conditions trad he proved helpful for me and I am sure he has helped lots of others.
Here is another word Radge ;D you know what it means ;)
now stop being one ;) you started a post the other day and you didn't like the answers, maybe no one agreed with you. you make a valid point on having customers with mortgages etc, so do something about it, target elderly retired customers with no mortgage and a fixed income, or wealthy customers that aren't worried, or run of the mill oldies in council estates. Take steps now if you are worried, I personally targeted this type in the first place so I didn't need to worry, I also don't overcharge and keep my overheads and prices reasonable.
Interest rates may go up, but they are at an all time low and they were far higher before it all went pete tong ;) it is inevitable they will go up again
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A was wondering when the other numpty would come on no i dont know what radge means am no a cheucter i may live in Edinburgh but im from Glasgow.
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A was wondering when the other numpty would come on no i dont know what radge means am no a cheucter i may live in Edinburgh but im from Glasogw.
That explains it then ;D I did include some valid points on my post. I was trying to be helpful. What part of Edinburgh do you cover
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Yes stu i can mind you said in your post that the economic climate has not hit you but you failed to mention that most of your customers dont have mortgages or can afford the interest rate rises,you basically made out i was talking mince even though you failed to mention that the topic i was speaking of was not relevant to your round so you have proved to me that like cozy your just another irrelevant negative troll.
The 2 numpties who shot me down have very little mortgaged customers on their rounds by their own admissions so why the hell they had an opinion on the matter in the first place is beyond me,maybe you should go tell mervyn king hes talking rubbish to.ive got no more to say infact im finding this forum irritating with the trolls who frequent it with their "banter"
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sorry you feel that way EWC, I was trying to lighten the mood and give some pointers at the same time, I will take another look at you other post and see what you think I said was wrong ???
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I think he's a bit upset Stu, call me Mr sensitive, but I think he is. :'(
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I've got a mortgage, (I've a mate who calls me a 'poor person' because of that ???) and I'm not worried!
First people were worried that the Kosovans were about to take over window cleaning, then the credit crunch; and we're all still 'ere.
Mortgage rates rise to 4.5% (Mine's fixed at 5.35% for another 5 years, so we've not benefited from the lower interest rates in the first place); and so what? Okay, we may lose a few customers who were on the edge anyway, but I'm sure we'll find new customers.
I bet we don't even notice the interest rise.
EWC: Calm down, mate. You sound really highly strung.
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EWC does make a good point and one that has been at the back of my mind for a few months now. All my custies are mortgage paying and the feedback I have been beginning to get is not to be dismissed. Like Stuart, I have always always priced competitively, and I hope this is what will keep those customers on my books in tough financial times. I really would worry if I charged say £10 a 3 bed semi.
EWC I believe has read it right. Times are changing and we service industry guy's can either accept that and work round it, or ignore it and pretend everything is still all ok in the people's minds. It is up to each individual how he handles things.
The child like shenanigans will however, still will remain by some on public forums, on both sides of the argument.
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All my custies are mortgage paying
Hyperbole(icks)! How can you know that ALL of your customers are mortgage paying? Do you check before you sign them up for your services? Is it a criteria they must fulfil to be a customer of yours?
Don't you have older customers who've paid off their mortgage? What percentage of your customers are on fixed rate mortgages and won't be affected? What about those with very little mortgages, who're maybe in the last years of paying and purchased their house when £40K could get a nice 3 bed semi?
Guys!!!!! Sheesh!!!! Rolly eyes!!!!
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Yes take that point ronnie, but most were on your books at a higher interest rate long before the rate was lowered, EWC jumped the gun a bit, lots of my customers have mortgages I was merely pointing out different options for gaining customers. i.e the ideal round that I am far from achieving.
All I said on the other post he mentioned was I had lost very little due to cancellations and then admitted he had only lost 5, and that is no big deal as far as I am concerned, it is natural to lose and pick up work as you mould your round I think.
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A was wondering
A what was wondering?
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A was wondering
A what was wondering?
No, it's the first line of a poem:
A what was wondering as lonely as a cloud
That floats on high over vales and hills
etc
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A was wondering
A what was wondering?
An idiot like you was wondering... anonymous ;)
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A was wondering
A what was wondering?
An idiot like you was wondering... anonymous ;)
No it is just how glaswegians talk, there is no I just A done this or A did this ;D and they say things like gonna no dae that no :o
sorry EWC that bit was banter ;)
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A was wondering
A what was wondering?
A was wondering, what B was doing.
If interest rates go up, people will get a greater return on their savings too. That`s a positive.
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Well I would expect to lose some customers if the interest rates started to rise appreciably. However, many of them may have paid off their mortgages or be well advanced in them so wouldn't be so badly affected as someone who recently took on a mortgage. It also needs to be remembered that even without factoring in the mortgage, rate rises can often trigger more unemployment. So that would lose a few custies too - though maybe not such a direct effect as a higher mortgage. It's generally a good idea (IMO) to run at full or slightly over capacity in case a number drop off the books. Just sound business management really I guess.
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All my custies are mortgage paying
Hyperbole(icks)! How can you know that ALL of your customers are mortgage paying? Do you check before you sign them up for your services? Is it a criteria they must fulfil to be a customer of yours?
Don't you have older customers who've paid off their mortgage? What percentage of your customers are on fixed rate mortgages and won't be affected? What about those with very little mortgages, who're maybe in the last years of paying and purchased their house when £40K could get a nice 3 bed semi?
Guys!!!!! Sheesh!!!! Rolly eyes!!!!
I am sure you know I was implying I have no customers who rent, so any interest increase could affect my earnings more than someone who has many rented properties on the books fud. I was also trying to convey the effect this unprecedented fuel/gas/leccy rise might cause many to tighten their belts.
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Don't worry about a thing.. every little thing is gonna be alright 8)