Couldn't agree more with the OP. When our personal debit cards (we have 6 with the same bank) started arriving with contactless icon, we sent them back and requested non-contactless ones. The bank duly obliged & replaced them all. I did the same with my Mastercard (different provider).
My business debit card (same bank as my personal ones) was recently renewed & they sent a contactless one but this time I am told that you cannot have a non-contactless business card. My argument is that a business debit card is less likely to be used for <£30 and you ALWAYS need a receipt, so why would anyone want a contactless business debit card? There seems to be no logic except someone thought the icon looked pretty? (sorry!)
I was told that if a card was used fraudulently (and it apparently does block after 3x in a day), they would refund. My reply was - I don't check my bank every day & I don't have time for the hassle & aggravation - if it was used - of then contacting them to report it, prove it wasn't me & get the money back. Who needs that stress? I would rather it not happen in the first place.
Then they told me - and I still don't quite believe this - to buy an RFID purse to keep my cards in. I have a purse - it is a good purse, works well, I like it, it was a present & has years left in it - WHY do I want to buy another one because the bank decides I MUST have a contactless card?
The only problem we have encountered with the non-contactless debit cards is that the pay-at-pump fuel kiosk won't accept them - even though you have to put a PIN in. Neither Tesco nor the bank can explain why. So I have to use a credit card to buy fuel. Small pain.
I like progress, I love (most) technology, but I prefer to make my own decisions.
And lastly (I promise), at minimum 3x£30 a day, it is easy to lose track of what you are spending - especially young people or those not so savvy with money. My son has frequently been skint cos he 'forgot' he bought this & that. Is that the underlying motive by the banks - to encourage overspending? Or am I being cynical?
You probably stopped reading ages ago, but if you haven't - thank you - my rant is over! I will get down from my soap box now.
Am already using it (onboarded early) - so far, so good! Though not asked it to do much yet, tbh.
I liked that! Makes you think a bit. I am not a VAT expert (not even an accountant, a bookkeeper) & would always look up & check anyway. But I didn't cheat (no googling here!) so 3/6 isn't so bad? Did throw up a question for me to raise with a client's accountant though on a specific scenario. THANK YOU!
someone once told me 'just because you can, doesn't mean you should' - as a reminder to delegate 'stuff' or outsource to maximise your earning potential. So I absolutely agree with the principle of the OP - though I'm a ways off yet!
And, yes @khan1944 sometimes a menial task is what is needed. Personally I like shredding - very therapeutic!
I saw the headline on Sunday & read further (having several clients on Sage, I wanted more details to be ready for any questions). The article mentioned that 'employee details' were accessed. I immediately knew that this then was surely was a payroll matter - and not a Sage 50 accounts matter. However that was not mentioned in the press reports. Most people would automatically assume it was accounts & be horrified that this could happen tot heir financial data. Had the clarification been made clear, I suspect many Sage end users would have been assured it did not affect them, instead of potentially causing unnecessary worry & many accountants & Sage themselves may have avoided many phone calls this week. The media really should be more accurate in their reporting. But it's all about sensationalism, isn't it?
Yup - same problem - 16 year old son has 2 jobs - one with me (filing, shredding) and then got a summer job with a client of mine (who I do the payroll for). I called Employers Helpline - can't recall the wait time - to be told they had to speak to him to split his tax code.
We tried 3x on different days to get through to HMRC with waits of 30-40 mins before we hung up, finally getting through on 3rd attempt. They asked him lots of questions - which he had to ask me the answer to - and then he 'authorised' them to talk to me. Two mins, job done! Such a complete waste of time & effort - why can't we do these things online?
Am seriously thinking of getting him to do a 64-8 .
Re: the headline -I'd be HAPPY to wait for 10 mins!
GoCardless - go try it!
Tried it, like it.
And GoCardless are extremely helpful during installation & afterwards (latest glitch - a client in Spain trying to set up her direct debit authorisation couldn't get past postcode on the online form - I called GoCardless, answered by a real person in less than 3 minutes, apologised profusely for the problem (when did that last happen!) & gave a work around immediately.
Can't fault them so far.
Try it, doesn't cost anything - and if you can find someone already with an account to refer you you both get £50 in fee credit - win all round!
you gave me a smile at the end!! I know exactly what you mean - not their fault, job centre makes them apply for anything!
Yes, I think our local college has a noticeboard for students. And I have a contact there so that may well be my best bet.
Apprentices aren't an option at the moment as they have to be paid for 30+hours & they MUST be supervised at all times. That doesn't work when I need help that is capable of being left to its own devices to release me to gain extra value work.
Its harder than you think trying to be an employer! But harder still when its your own reputation & business at stake. But I will persevere.
Thank you very much for the advice.
agencies are a nightmare in my opinion - they want you to register, then offer you positions which either don't exist or are unsuitable & unless they want something from you, communication is generally poor.
But that's my experience / opinion, I admit there are a lot of people for whom they do obviously work.
Would be interested in knowing how coolmanwithbeard found his part timers as I will be looking for similar hopefully beginning of next year and am apprehensive about finding the right person. You sound to have it sussed?
and lilac1 - you're obviously an intelligent person (sincerely meant, not at all being condescending, I promise - I have been in your position!) so am sure you will make right choice for you & your family whatever & whenever opportunities arise.
My mum once gave me some good advice:
work to live, not live to work - I do try, but is very difficult to remember sometimes!
It is good to know that there are ways of choosing good people - am hoping to recruit my first person sometime next year - but am scared silly about getting it wrong as that could be disastrous to my business.
As a one-woman show, all my clients chose and continue to work with ME - and introducing my replacement, I have to be more than sure it's the right person.
Would you perhaps share some more about how you overcame the hurdle of THE FIRST ONE??
or perhaps you already have & I missed it? Many thanks