Millionaires

Andy From Sligo · 17-10-2016 1:00am #1

What do you think of millionaires/billionaires?

An awful lot of them will say "I worked my way to get where I am!" - well, yes you may very well get the odd few instances but on the whole I reckon the bloody lot of them (bar a few) had it handed to them, or got lucky (maybe something took off luckily at a particular time) - some may be very clever, some may be crooks or have done illegal / criminal things to become a millionaire, some might have been born into it.

If some people have claimed that they started off with a quid selling apples (the fruit not the computers lol) on a street corner and no other help.... have they really, come on!

and these ones that say they have "worked" for it, have they really worked... you know, god their hands dirty and all that .

What do you reckon, do you reckon a lot of rich people spin out a yarn of Bullsh1t most of the time? maybe feeling guilty in the sense that they have to explain to us poor mortal phlebs how they got to be rich?

qo2cj1dsne8y4k · 17-10-2016 1:02am

No more than people who expect to live a life of luxury but are horrified at the thoughts of a day's work.

Don't begrudge people with money, nor do I begrudge kids of people with money benefitting from their parents success.

Andy From Sligo · 17-10-2016 1:09am

I do

You cannot tell me that the majority of kids who's parents are rich are very grounded or ever know what 'real' life is like for other kids that are not born into a well off family. - well, you might get a few rich kids that might grow up and do some charity work maybe , but then so do poorer kids do too. - I have seen a lot of spoilt kids where they have been born into money and know no different other than living a rich lifestyle and get everything bought for them

corner of hells · 17-10-2016 1:11am

Andy From Sligo wrote: »

I do

You cannot tell me that the majority of kids who's parents are rich are very grounded or ever know what 'real' life is like for other kids that are not born into a well off family. - well, you might get a few rich kids that might grow up and do some charity work maybe , but then so do poorer kids do too. - I have seen a lot of spoilt kids where they have been born into money and know no different other than living a rich lifestyle and get everything bought for them

Myself and Lexie are both millionaires.

endacl · 17-10-2016 1:13am

Two of my best friends are millionaires. Several times over. One very clever, one really hard working. Both prepared to take risks. Neither born into money. Both extremely decent people. Neither live extravagantly, with satisfaction in the work seeming to be their main driving force.

So, anecdotally, neither fit your implied stereotype, and fair play to them both.

As an aside, I once bumped into Martin Naughton (of Dimplex fame) and his wife while away on holiday. He's one of the countries billionaires. You'd never know it to talk to him. Very ordinary and down to earth conversation over a glass of wine in the hotel garden. We only got talking because we recognised each other as 'Paddies Abroad'.

endacl · 17-10-2016 1:15am

Andy From Sligo wrote: »

I do

You cannot tell me that the majority of kids who's parents are rich are very grounded or ever know what 'real' life is like for other kids that are not born into a well off family. - well, you might get a few rich kids that might grow up and do some charity work maybe , but then so do poorer kids do too. - I have seen a lot of spoilt kids where they have been born into money and know no different other than living a rich lifestyle and get everything bought for them

Imagine the size of the shoulder chips you could buy if only your parents had been wealthy...

PTH2009 · 17-10-2016 1:20am

I'd be happy with €1000 lol

I hate closeted well off people who say things like 'I hate being poor or how can I afford this' while they show off there brand new phone after in there 2016 car that daddy bought for them as a surprise

I wonder do the stinking rich people such as royal family's knw what money is (u knw what I'm trying to say)

Andy From Sligo · 17-10-2016 1:20am

endacl wrote: »

Two of my best friends are millionaires. Several times over. One very clever, one really hard working. Both prepared to take risks. Neither born into money. Both extremely decent people. Neither live extravagantly, with satisfaction in the work seeming to be their main driving force.

So, anecdotally, neither fit your implied stereotype, and fair play to them both.

As an aside, I once bumped into Martin Naughton (of Dimplex fame) and his wife while away on holiday. He's one of the countries billionaires. You'd never know it to talk to him. Very ordinary and down to earth conversation over a glass of wine in the hotel garden. We only got talking because we recognised each other as 'Paddies Abroad'.

funny you should say that because I think there are differences between UK millionaires and Irish Millionaires , with the Irish much more down to earth. But it doesnt just end there , people just dont feel a phased by millionaires or things like TV stars and musicians/pop stars in Ireland as they do in the UK say. In Sligo very reguarly we get Kian Egan and other members of westlife walking round town, shopping in local shops and not many are really phased about it and they are down to earth... do you think they could do that in the UK (even though they 'retired' ages ago) they would get mobbed! - and I think its this kind of attitude that keeps maybe millionaires and families of millionaires more grounded maybe in Ireland - thats why most probably yer man from Dimplex was down the earth and grounded.

Holograph · 17-10-2016 1:22am

Of course self made millionaires/billionaires have worked hard/got their hands dirty. It's bizarre to consider that they haven't. Even with good luck (and that is hardly something to begrudge) very hard work would also be vital.

That's not to say that there aren't millionaires/billionaires who get where they do via exploitation of others.

Someone born into such wealth - well that's just who they are, they can't help what they're born into!

endacl · 17-10-2016 1:23am

Make your mind up Andy. Are they bull5hitters or decent people? We're not even ten posts in yet.

Andy From Sligo · 17-10-2016 1:23am

Trump

Andy From Sligo · 17-10-2016 1:24am

endacl wrote: »

Make your mind up Andy. Are they bull5hitters or decent people? We're not even ten posts in yet.

give me a break - Im confused :rolleyes:

qo2cj1dsne8y4k · 17-10-2016 1:27am

corner of hells wrote: »

Myself and Lexie are both millionaires.

Rich kids of Boards.ie

Wanna take some selfies in daddy's Bentley?

Grayson · 17-10-2016 1:28am

Statistically the biggest indicator as to whether or not you'll be rich is if your parents were rich. Even if they don't give you money they give you an upbringing which gives to the skills/drive/contacts to make money.

(not all rich people were born rich, just a lot of them).

Outlaw Pete · 17-10-2016 1:31am

Rich people don't pay enough tax.

Now I know they pay more tax than anyone else, but's it's still not nearly enough.

It should just be accepted that when you start making millions it's almost pointless as so much will be taken back in tax.

Then raise the minimum wage with that tax.

People will then actually have an incentive to work and small businesses would earn more too as there would be more disposable income around.

A cross between communism and capitalism is what is needed.

Are you with me people?

qo2cj1dsne8y4k · 17-10-2016 1:33am

Andy From Sligo wrote: »

I do

You cannot tell me that the majority of kids who's parents are rich are very grounded or ever know what 'real' life is like for other kids that are not born into a well off family. - well, you might get a few rich kids that might grow up and do some charity work maybe , but then so do poorer kids do too. - I have seen a lot of spoilt kids where they have been born into money and know no different other than living a rich lifestyle and get everything bought for them

See my problem with that is kids are born into whatever situation their parents have made for them. If someone is well off, why shouldn't they have children? I mean the kids will be looked after, and secure, with the chance to get the very best from life. Isn't that most people want to do for their children?

Similarly you'll have poor people, extremely hard working, who will put everything they have into making sure their kids get the best chances at life as possible.

Then you'll have the poor mouths crying about their Xmas bonus and how Santa will have to bring little Chantelle an iPhone 5 and not the iPhone 7 she wanted because they don't get their extra week. I think sometimes the poor kids can grow up just as entitled as you're perceiving the rich kids to be.

As long as the parents are teaching their kids a strong work ethic, that's the main thing.

kumate_champ07 · 17-10-2016 1:46am

I know one who genuinely started from nothing, worked his way up. now owns a good few petrol stations, has a nice car and treats his wife to nice things but lives in a normal house and lives a relatively normal life.

it takes ambition and hard work/long hours.

Andy From Sligo · 17-10-2016 2:01am

Big divide/gap still between rich and poor - I would like to see that gap closed, but then in the other hand if someone has got rich through hard work I suppose why should they have to be forced to help the poor. I think once you have gone over a certain threshold of richness (is that even a word?) Then life just gets easier and easier naturally and this is why the rich get richer!

qo2cj1dsne8y4k · 17-10-2016 3:12am

Andy From Sligo wrote: »

Big divide/gap still between rich and poor - I would like to see that gap closed, but then in the other hand if someone has got rich through hard work I suppose why should they have to be forced to help the poor. I think once you have gone over a certain threshold of richness (is that even a word?) Then life just gets easier and easier naturally and this is why the rich get richer!

But people are unwilling to close it for themselves. Unwilling to finish school, or go to college, or take a full time job. It's nice to dream. Live the good life, having lots of money to spend without having to work but that's not how these things go. Also, money isn't everything.

Grayson · 17-10-2016 3:58am

LexieOnRale wrote: »

But people are unwilling to close it for themselves. Unwilling to finish school, or go to college, or take a full time job. It's nice to dream. Live the good life, having lots of money to spend without having to work but that's not how these things go. Also, money isn't everything.

I'm 41 and skint. I have two degrees, a masters and a HDip.

I'm well below the poverty line. I have no savings because I've spent every penny on education. I have loans because I got loans for education.

I did all my degrees and masters in full time education whilst working full time in a junior level corporate position. I worked my ass off in that job as did all my coworkers. Being rich or well off isn't just a matter of working hard. You need to have a break. You need to have someone help you.

People who do well tend to think that they did it all themselves. It's very rarely that way. They've all had parents/family/supervisors/mentors who looked out for them.

And money isn't everything but it helps. It would mean that I wasn't at the mercy of a landlord. It would mean that I could afford to have any type of social life. It would mean that I wouldn't have to worry about old age.

People need to realise that people who earn less than them aren't lazy, they aren't stupid and they aren't lacking ambition. They work just as hard, are just as smart and want to progress just as much as everyone else. They just weren't lucky enough to get the same breaks.

qo2cj1dsne8y4k · 17-10-2016 4:36am

Grayson wrote: »

I'm 41 and skint. I have two degrees, a masters and a HDip.

I'm well below the poverty line. I have no savings because I've spent every penny on education. I have loans because I got loans for education.

I did all my degrees and masters in full time education whilst working full time in a junior level corporate position. I worked my ass off in that job as did all my coworkers. Being rich or well off isn't just a matter of working hard. You need to have a break. You need to have someone help you.

People who do well tend to think that they did it all themselves. It's very rarely that way. They've all had parents/family/supervisors/mentors who looked out for them.

And money isn't everything but it helps. It would mean that I wasn't at the mercy of a landlord. It would mean that I could afford to have any type of social life. It would mean that I wouldn't have to worry about old age.

People need to realise that people who earn less than them aren't lazy, they aren't stupid and they aren't lacking ambition. They work just as hard, are just as smart and want to progress just as much as everyone else. They just weren't lucky enough to get the same breaks.

Do you think that now you've invested so much into your career/future, that things will get much better for you?

metaoblivia · 17-10-2016 4:52am

I work for a wealth management company and all of our clients are millionaires many times over. Some worked for it, some inherited it. They're all decent people.

But all of them owe their fortune to a certain amount of luck. That's obvious for those who inherited their wealth. But even the ones who didn't start off as millionaires had some luck. They also had brains and business acumen and a strong work ethic, but those things alone don't make you a millionaire. There are many smart, hard working people in the world who will never be millionaires - they won't even get close. Some people don't like hearing that, but it's true. Just like all the talent in the world won't make you a famous actor or singer. You need luck and connections.
Many of our clients had the good fortune to be on the ground floor of what are now huge, global companies. Some were actual founders, but some weren't - they just took a chance on a start-up and it worked out for them in a big way.
And those who were founders, well, they got a break when someone loaned them the money to start a new business in the first place. Now in fairness, many of them repay that these days by investing their money into new businesses. But A. what else are you going to do with all of that money and B. if it works out, that's even more money for them. The secret to making a lot of money is to already have a lot of money to invest in other projects. Success begets success.

WhoWhatWhere · 17-10-2016 5:22am

Andy From Sligo wrote: »

and these ones that say they have "worked" for it, have they really worked... you know, god their hands dirty and all that .

You realise hard work doesn't have to mean working on a farm or laying blocks? There's nothing easy about people working almost 24/7 to make it big and when they do they shouldn't be stereotyped either.

You can start from "poor" and become rich. And you get rich (legitimately at least, being a criminal I don't count) through one of 3 things:

1. You work hard
2. You're born into wealth (and you can hardly blame someone for their parents being wealthy anyway?)
3. You win the EuroMillions

Neither of those is something to be annoyed with a person for, it just stems from jealousy... but honestly if you want riches and success go work for it. And obviously if you're a drug Lord, then **** them, they don't deserve their wealth.

Grayson · 17-10-2016 5:32am

metaoblivia wrote: »

I work for a wealth management company and all of our clients are millionaires many times over. Some worked for it, some inherited it. They're all decent people.

But all of them owe their fortune to a certain amount of luck. That's obvious for those who inherited their wealth. But even the ones who didn't start off as millionaires had some luck. They also had brains and business acumen and a strong work ethic, but those things alone don't make you a millionaire. There are many smart, hard working people in the world who will never be millionaires - they won't even get close. Some people don't like hearing that, but it's true. Just like all the talent in the world won't make you a famous actor or singer. You need luck and connections.
Many of our clients had the good fortune to be on the ground floor of what are now huge, global companies. Some were actual founders, but some weren't - they just took a chance on a start-up and it worked out for them in a big way.
And those who were founders, well, they got a break when someone loaned them the money to start a new business in the first place. Now in fairness, many of them repay that these days by investing their money into new businesses. But A. what else are you going to do with all of that money and B. if it works out, that's even more money for them. The secret to making a lot of money is to already have a lot of money to invest in other projects. Success begets success.

I can't remember who said it but apparently the first million is the hardest. After that it gets far easier to make money because you can just invest.

Grayson · 17-10-2016 5:37am

LexieOnRale wrote: »

Do you think that now you've invested so much into your career/future, that things will get much better for you?

Hopefully. It's a weird situation I'm in. If I had a job then the education would have been worth it. Since I don't have a job the education is still costing me money I can't afford.

I have another phone interview tomorrow. So fingers crossed I'll get something. I'd like to be my own boss but you need at least some of your own seed cash to get it off the ground so maybe in a few years...

FURET · 17-10-2016 7:08am

Grayson wrote: »

I'm 41 and skint. I have two degrees, a masters and a HDip.

I'm well below the poverty line. I have no savings because I've spent every penny on education.

What are your degrees and masters in? Did you enter into education with a view to attaining marketable skills?

ThinkProgress · 17-10-2016 7:09am

Becoming a millionaire, in this era, is not overly complicated... Billionaire, now that takes work!

The trick is making sure you don't have a lifestyle that costs millions to maintain...

If you have a solid dependable job, job security, savings, investments and credit-free physical assets... Now millionaire status is not only realistically attainable, but relatively easy to maintain and grow from there!

During the boom many "average" people reached millionaire status. However their wealth was tied up - much of it in unreliable investments or depreciating asserts.

The boom and subsequent bust was an orchastrated collapse to help certain people achieve rapid wealth... Those aware of this fact, made an absolute killing... But much of that wealth will get spread around again in the future, so no need to begrudge the wealthy... Just do what you MUST in order to join them!

The world right now, is like one giant game of poker... You can lose a hand or two, but still come out a big winner if you hold your nerve!

The flying mouse · 17-10-2016 7:49am

I know quite a few actually, Some of them worked there way right up the ladder from nothing and some were born into it, All very decent people imo, There is one of them who still has his communion money and wouldn't spend Christmas with anyone, but that's more down to his own demons than being a millionaire.

RayCon · 17-10-2016 8:09am

Grayson wrote: »

I have another phone interview tomorrow. ..

Best of luck ....

Dirty Dingus McGee · 17-10-2016 8:18am

Most successful people love what they do and therefore the supposed hard work they had to get to where they are is not actually hard work.

I had an uncle who was worth over £50million and he worked really hard (and got a fair bit of luck) to get where he got to but he also absolutely loved his work and therefore it wasn't as much work for him.

The greatest thing in the world to be born with is a passion for something that can earn you a great living.Most people aren't lucky enough to be born with a love for something like that.

PolaroidPizza · 17-10-2016 8:20am

Most civil servants are millionaires. When you account for their pensions.

gramar · 17-10-2016 8:27am

Andy From Sligo wrote: »

If some people have claimed that they started off with a quid selling apples (the fruit not the computers lol) on a street corner and no other help.... have they really, come on!

Are you saying Bill Cullen didn't start off selling apples out of a pram without an arse in his trousers?

ohnonotgmail · 17-10-2016 9:45am

Irish begrudgery is alive and well i see.

The Backwards Man · 17-10-2016 9:54am

Every single person in this thread is richer than 90% of the world's population. Put that in your pipe and whinge on it.

FURET · 17-10-2016 10:00am

The only long-term study I know on millionaires was an American one which found that the majority of decamillionaires (i.e. those with a net worth of between 1 and 10 million) were self-made, had received little to no help from parents, drove six-year-old cars and lived in modest homes.

The study also found that:

A good husband-wife relationship with sympatico views on finance was vital
Most millionaires don't buy new "stuff" very often
They view money as a means to buy free time rather than consumer items
Children who receive financial gifts from well-intentioned relatives and parents turn out to be less successful as adults
In families that built decamillionaire type wealth, the wealth generally dried up by the third generation

FURET · 17-10-2016 10:02am

Andy From Sligo wrote: »

I do

You cannot tell me that the majority of kids who's parents are rich are very grounded or ever know what 'real' life is like for other kids that are not born into a well off family. - well, you might get a few rich kids that might grow up and do some charity work maybe , but then so do poorer kids do too. - I have seen a lot of spoilt kids where they have been born into money and know no different other than living a rich lifestyle and get everything bought for them

This reeks of envy. If I gave you 2M euro would you take it? Or would you rather stay as you are so that your kids can "live in the real world".

Sam Kade · 17-10-2016 10:13am

Outlaw Pete wrote: »

Rich people don't pay enough tax.

Now I know they pay more tax than anyone else, but's it's still not nearly enough.

It should just be accepted that when you start making millions it's almost pointless as so much will be taken back in tax.

Then raise the minimum wage with that tax.

People will then actually have an incentive to work and small businesses would earn more too as there would be more disposable income around.

A cross between communism and capitalism is what is needed.

Are you with me people?

You're plan is fcuked from the beginning, if you make it pointless to earn millions because of excessive tax then the tax won't be there to pay extra to workers. Did you ever hear the saying give a man a fish feed him for a day teach a man to fish feed him for a lifetime?

valoren · 17-10-2016 10:24am

Millionaires.

Imagine a husband and wife, with a baby on the way, who, 40 years ago, at age 30 came into a small inheritance of $2500.
They decided to invest this along with an additional $2500 of their own savings.

They like the look of Coca Cola. It's been around for 90 years they reckon and has a straightforward, understandable business, they sold soft drinks.
So they invested the 5k at $82.25 per share for 60 shares in the company in October 1976.
They received a small dividend every 3 months but it was so small that they kept it aside.
Eventually it became a bit larger and on the advice of a business friend, they instructed the stockbroker to re-invest the dividend instead.
The dividend would be more shares, which themselves provided a dividend. Money making money.
The investment does well for a few years, and the wife decides to invest an additional $2,500 every 5 years into Coke stock without fail.

Feeling a bit more confident, the husband decides to invest his yearly savings into other enterprises.
With a banking background, with a firm grasp on the industry, through the 80s/90s/00s, he dollar cost averages his savings over time into Enron, WorldCom and Lehman Brothers although he also invests in Royal Dutch Shell, Johnson & Johnson and Colgate Toothpaste as well along the way.
With the coke investment chugging along, he wants to 'diversify'. These investments begin making great returns, so he decides to focus on other industries and plans to let them compound, just like Coke.

Today, 40 years later, they are retired.
They never touched the investment and went about living their lives, while saving and investing.
Not through several market panics where the share price crashed, oil crises, global terrorism, gulf wars, booms and busts.

After a total investment amount of $20,000 over 40 years, they would now hold 39,629 shares in Coca Cola through stock splits and reinvested dividends. The value of the shares would be $1,651,000.

Their dividends will amount to gross $12,820. More than double than they invested initially way back when (5k).
Every 3 months.
The yearly dividend will be $51,280.

As they have cleared their mortgage on their modest 3 bed semi, they are Millionaires through nothing but budgeting, forward planning, discipline and patience.

But you wouldn't think it to look at them. No Mercs or Rolex watches or status symbols. They can well afford them but it's not their thing.
Note: The Enron, WorldCom and Lehman Brothers investments are worth $0. The annual dividend will be $0.

With the additional savings and profitable investments they made through their lives they don't worry about money.
They have told their daughter that the shares will be her's when they pass away.
She is shrewd enough to understand that selling the shares will incur taxes etc.
The Coke dividend alone would currently pay for her mortgage and her monthly expenses.

She knows that she may invest herself in her generations WorldComs but she knows that Coke is the golden goose and it will never be touched as the board of directors raise the cash dividend modestly every year.
That snowball will be allowed to roll down the hill, reinvested for more shares and more and more dividends.

She figures that when she herself passes away her own children's money worries will be non-existent, and their children etc etc.
Intergenerational wealth which began with a modest investment way back in 1976.

You would never bregrudge anyone who had an investing success story like that.

Charles Babbage · 17-10-2016 10:45am

https://www.youtube.com/watch?v=U8Kum8OUTuk

Ragnar Lothbrok · 17-10-2016 11:26am

PolaroidPizza wrote: »

Most civil servants are millionaires. When you account for their pensions.

That's great news! I'm leaving work right now to go down and buy a new yacht

Ush1 · 17-10-2016 11:37am

People talk about kids of rich people being in better positions because they have their parents money.

I think it's not poverty in a financial sense that keeps poor people down, it's a poverty of the mind. A poverty of ideas and motivation.

You don't know what's possible or attainable unless you're inspired/mentored.

Poor Uncle Tom · 17-10-2016 11:54am

Ragnar Lothbrok wrote: »

That's great news! I'm leaving work right now to go down and buy a new yacht

Only in the Civil Service

:D

On a serious note. I have recently seen some Civil Service employees out and about town during work days only to be seen back behind their desks before 5pm to clock out, usually the same faces, usually during Thursdays and Fridays.

Grayson · 17-10-2016 12:08pm

FURET wrote: »

What are your degrees and masters in? Did you enter into education with a view to attaining marketable skills?

Maths, Computer Science and the MSc is in Business Management.

Ragnar Lothbrok · 17-10-2016 12:13pm

Ragnar Lothbrok wrote: »

That's great news! I'm leaving work right now to go down and buy a new yacht

Poor Uncle Tom wrote: »

Only in the Civil Service :D

I was on my tea break

Poor Uncle Tom wrote: »

On a serious note. I have recently seen some Civil Service employees out and about town during work days only to be seen back behind their desks before 5pm to clock out, usually the same faces, usually during Thursdays and Fridays.

Really? How do you know that their job doesn't entail being out and about during the day? If they are just bunking off, they should be reported. The vast majority of civil servants do a good job and are conscientious. A few idiots though, who tend to get us all tarred with the same brush :mad:

osarusan · 17-10-2016 12:24pm

Yes, two, one in Japan and one here.

Both are lovely people to know and very respectful and modest, but I've heard that in business they are both tough as old nails.

FURET · 17-10-2016 12:45pm

Grayson wrote: »

Maths, Computer Science and the MSc is in Business Management.

What went wrong for you?

BrokenArrows · 17-10-2016 12:52pm

The chances are that the people you hear about are self made. But self made is different depending on who you ask.

Donald Trump probably considers himself self made. But that's BS.

The people who literly start a small business and grow it into a large profitable ones while risking their own money are the ones who are self made.

Million/billionaires who inherit it, you generally don't hear about them. They just live their own lives in their money bubble and their financial interests are taken care of automatically.

You can't really blame a rich kid from being an entitled ass because that's how their parents raised them. If you grow up rich then you won't know what real work is unless your parents teach you.

qo2cj1dsne8y4k · 17-10-2016 1:01pm

BrokenArrows wrote: »

You can't really blame a rich kid from being an entitled ass because that's how their parents raised them. If you grow up rich then you won't know what real work is unless your parents teach you.

You could say the same for a poor child too. A child with both parents on the dole, feeling hard done by, entitled to rent allowances, Christmas bonus, being exempt from different tax, free medical care and dentists, growing up with the expectation that they shouldn't be expected to take care of themselves or their own needs, and that one day hopefully soon, they'll be given their own council house, preferably near their mam, to continue the cycle in.
Of course there are poorer families out there who aren't like that, just like the rich families aren't all self entitled either.

Just pointing out self entitlement isn't reserved for the kids of rich parents.

wakka12 · 17-10-2016 1:06pm

Why would you assume that most millionaires didnt work for their money? This isn't medieval times we arent stuck int he socio economic niches we were born into forever now. (within reason..)

Poor Uncle Tom · 17-10-2016 1:09pm

Ragnar Lothbrok wrote: »

Really? How do you know that their job doesn't entail being out and about during the day?

I would love a job that allowed me browse the shelves of New Look too....:p

Ragnar Lothbrok wrote: »

If they are just bunking off, they should be reported. The vast majority of civil servants do a good job and are conscientious. A few idiots though, who tend to get us all tarred with the same brush :mad:

agree with ALL of this......;)

TheDoc · 17-10-2016 1:14pm

Grayson wrote: »

I can't remember who said it but apparently the first million is the hardest. After that it gets far easier to make money because you can just invest.

Not important who said it, it's just the truth.

Once you reach a certain level of income a world of tools and functions become available that are tailored to make you more money, because you are then making the companies,organisations and people who operate these tools, more money.

Millionaires

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