[tomo]

Guys just do what my six yr old sung to me
 " even when the dark clouds are  up in the sky you mustn't sigh and you mustn't cry spread a little happiness as you go buy , please try"  it cheered me up no end 

[NWH]

Don`t let it build up or snowball,everytime you lose just 1 make a real effort to replace it straight away that way you will always be where you were the day-week before.If you are losing work at a rapid rate get out and drop some leaflets or canvass.

[Chris B]

Think you mean "you stupid boy"

 :

[tomy jackson]

yes thats the one

[Paul Coleman]

lost 7 commercial jobs today, things r starting to bite now so you guys should tighten your belts. i think we have 18 to 24 months of bad times ahead as things r going to get alot worse before they get better. i am starting to worry now as i have lost alot of jobs lately. i am seriously thinking of buying a domestic round to fall back on. any of you guys losing work?

Short answer is yes.

and if anyone is stupid enough to think they will not be losing work shortly are putting there heads in the clouds and are the ones that will pay the high price in the long run. I learnt long ago not to put all my eggs in one basket I learnt this the very hard way. A close person to me is doing the same what you have just said and they own quite a large outfit and are doing just that hence why they will get past these hard times, thinking your not going to be affected = A very silly business minded person IMO.

Good on you for being honest  

Ian

Too right.  It's always a good idea to spread the risks.  A window cleaner's hedge fund no less   

[AuRavelling79]

In reply to Dai - lookyouboyo - stop worrying mate!

Anywhere in the UK - will you have a roof over your head, clothes on your back food in your belly and heating in your home? Yes.

A vehicle on the road? Probably.

Now knowing that those basics will be there then just carry on working and knock on doors looking for those in government jobs or retired.

Yeah we might not have a holiday or buy a new telly or upgrade our car but those of us with existing rounds aren't going to starve.

And if competition from newbies bothers you - if it's tough for you then think how tough it is going to be for them starting from scratch.

[Dale Smith]

So true Malc, I would not like to be starting out this year....

[simbo]

i second that 10% unemployed still leaves 90% employed, if everyone ie media had not scare mongered about "THE CREDIT CRUNCH" it would'nt have been nearly as bad! people are still opening shops, starting business but not much interest is put into the positive things. Remember not so long ago we were constantly being told we would be blown up by terrorists if we went on aplane or something or before we were going to be eaten alive by flesh eating bugs it serves the media to scare us but they are ruining our country  as sure as our benifit system is!
lets just hear the positives for a while people lose jobs all the time and get new ones. we lose customers all year around for varying reasons and we get others, Thats life, now come on lets all be positive as said i have more than i need to live millions never have anything like so in essance we are all very spoilt!
Happy thoughts!!!!!!
paul

[dai]

In reply to Dai - lookyouboyo - stop worrying mate!

Anywhere in the UK - will you have a roof over your head, clothes on your back food in your belly and heating in your home? Yes.

A vehicle on the road? Probably.

Now knowing that those basics will be there then just carry on working and knock on doors looking for those in government jobs or retired.

Yeah we might not have a holiday or buy a new telly or upgrade our car but those of us with existing rounds aren't going to starve.

Your right mate, I may have to do without my month in Bali this year, some airlines are quoting 4 grand just for our tickets.
I like to weigh up the facts, imagine the worse case scenario, and make contingensies to deal with that

And if competition from newbies bothers you - if it's tough for you then think how tough it is going to be for them starting from scratch.

Your right mate, I may have to do without my month in Bali this year, some airlines are quoting 4 grand just for our tickets.
I like to weigh up the facts, imagine the worse case scenario, and make contingencies to deal with that. If things don't turn out so bad, then I won't have to draw on some of those contingencies.
The problem I have at the moment is that I don't know all the facts, far too many variables in the equation. I heard that American Guru yesterday, and he scared the hell out of me, he is the right hand man to the guy that made billions out of us having to get out of the E.R.M.
This guy was saying that all these bale outs just won't work, we should let the banks go belly up and start afresh. Now that really scares me, if that was to happen I may well lose the few poultry grand that I have managed to save over the years, and I'm too old to start again from scratch.

[Paul M]

Hello all,

Here in the States we are really having troubles with commercial accounts. They are either turning off service or going belly-up.

I am very curious to see how spring is with residential.

[Clive McDonald]

I started as a market trader in 1990. No decent market would have me and i had to start on a sunday gaffe. I had a maestro with a cracked windscreen that i used to cart round banana boxes of stock and a plywood board to put it on.

The worst was when a neighbour or someone you knew came by, and it seemed that everyone had had the same idea i did. A lot of miners had picked up 40k plus in redundancy back then, and they all came in pairs in newish vans selling sportswear. I was sure i was a goner.

But often there wasn't enough money for two to share, or they would fall out over who did the most work.To cut a long story short, they mostly failed and i ended up okayish

I see similarities with todays WC startups. Many will have partnerships that won't work, some will expect income from day one, while  the business plan of still others will include continueing to claim benefits.

We have to hunker down and dig in and when the storm passes hope we're still here.

Just thought i'd cheer you all up

[David Slater]

I have heard a whisper a certain UK bank is about to go under with horrifc undisclosed losses.

Dont know the details. Cant comment further.

Probably a good idea to watch the news in the next few days.....

Looks like its going to get a lot worse before it gets better.

[matt]

I have heard a whisper a certain UK bank is about to go under with horrifc undisclosed losses.

Dont know the details. Cant comment further.

Probably a good idea to watch the news in the next few days.....

Looks like its going to get a lot worse before it gets better.

i do not think we will not see any high street banks go now, the gov will step in

[matt]

went out today handed 2 business introduction letters into a shared building i was passing that looked like it needed a window cleaner, phone call 15mins later can i come and see them, straight in. fellow i met said we already have someone but could you give us a quote. I said you obviously want a cheaper price what do you pay already he told me, i undercut it. he's ringing me back ?
Now he's going to ring the other fella and say i've had a cheaper quote, the other fella can say a/ i'll match it   b/ i'll go cheaper or  c/ stuff you. [ the quote i gave will give me £30 an hour + it's round the corner from me ] . Not chuffed but business is business.
Went out later that day, restaraunt i'd had to skip twice due to icy weather [ new client ] told me sorry they had got someone else , bit quick but got to accept it , but they didn't like his attitude and if i matched his price and work then they might reconsider. 180 panes [ 3 by 1 ] inside and out between 11am and 12pm [ in an hour ]  must be done trad [ i'm WFP and not great at trad ] £20 a fortnight.  [ going to see them tommorow turning that one down ]
My [ lenghty ]  point is i can see this happening more and more and it will drive our prices down not just the undercutters but now it's the customers as well

i was asked to give a quote just before christmas , they then said if you beat this price ( the existing WC'ers ) its yours, i am afraid i said " you have my priced, you have my number, call me if you want my service "

i guess i wasnt happy with undercutting, i s.pose it might come down to i have to, but intill i have to, its not for me

[David Slater]

I have heard a whisper a certain UK bank is about to go under with horrifc undisclosed losses.

Dont know the details. Cant comment further.

Probably a good idea to watch the news in the next few days.....

Looks like its going to get a lot worse before it gets better.

i do not think we will not see any high street banks go now, the gov will step in

This bank will dissapear.

Its losses are f%&&ing ERNORMOUS!! 

You know the 'other site' I'm on dont you matt?....PM me there, I'll give you the low down (all hearsay at present...but pretty bloomin strong hearsay!!).

David.

[ronnie paton]

david email me i wouldnt want it to be a bank im with

[ftp]

Would it be th Kilt wearing Bank or another one?

[David Slater]

david email me i wouldnt want it to be a bank im with

Can you remind me of your email please Ronnie?

Its all very 'cloak and dagger' at the moment, but this source is pretty reliable normally.

I doubt your savings or investmets will be affected. They will be covered by the governments blanket guaruntee which came about after Northern Rock...they can hardly bail on THAT promise now


....can they??  

Put it this way.....I tried placing a short trade tonight and it was 'not offered'  !!!!!

[David Slater]

Would it be th Kilt wearing Bank or another one?

Honestly, I wouldnt like to say.

This sort of thing can fall fouls of the regulators    ...its called market manipulation.

I could be done for setting off rumours to shore up my bet in the opposite direction.

Suffice to say, your savings will be guarunteed. You have nothing to fear.

Another bank will go down the pan within the week. That was my only point.

[dave0123]

Id be intrested in knowing which bank it is if possible dave0123@merseymail.com

thanks