Relaxation of Restrictions, Part VI - **Read OP for Mod Warnings**

patnor1011 wrote: »

Not only bad news today.

Immunological memory to SARS-CoV-2 assessed for greater than six months after infection

https://www.biorxiv.org/content/10.1101/2020.11.15.383323v1

There is speculation that immunity can last years or even a decade but only time will tell.

Someone needs to tell “self isolating” Boris Johnson to get back to work and stop playing silly beggars.

Waylon Petite Shower wrote: »

Hi, this is a slight aside but I would consider it related to your post so it prompted me to reply.

We are reading about business and individual folks who are on the pup and so on and are immediately struggling to pay rent, mortgages and so on.

On a general level I do wonder has the concept of a rainy day fund been totally lost, it’s surprising that so many are immediately in financial difficulty due to missing one pay check when we are also at an all time high for savings (it was in a report I read over the summer, not sure if it has been discussed in this thread prior to my reading it over the last week or so).

I do not mean to be insensitive and I would understand younger generation not having as much aside but I would not think they would have mortgages either. Of course not everyone of any age will have a buffer but the narrative is that all folks are immediately in financial trouble where I would have thought more would have savings to tide them over than would not (even if it means the non ideal scenario of eating into savings earmarked for something).

How many businesses have 6 months rents put by
How many businesses can afford to put 6 months rent by
How many commercial landlords have 6 months repayments put by
Different times we are living in compared to when I was starting out and a few quid in the bank was a necessity

brisan wrote: »

I work in a food production factory
Over 80% uptake of the free flu vaccine last year
None available this year
Do those in healthcare know something about the flu vaccine we don’t
Those levels of vaccine uptake in the HSE are a disgrace

I'm guessing there is a high take up in places like production factories where no show equals no pay.

arctictree wrote: »

I'm guessing there is a high take up in places like production factories where no show equals no pay.

We actually have a good sick pay scheme
Up to 6 months full pays if you have 3 years with no sick time
Loss of pay is one factor all right
Why miss out getting paid on a major sickness if you had a couple of days off with a preventable flu

paw patrol wrote: »

it was wrong in the USA in 2019 .
Correct me if I'm wrong but the WHO only decide this in Feb and Sept. I don't see anything to say that the feb decision in southern hem transfers to the Sept decision for northern.


But always open to correction.

As I said it’s rare they get get it wrong but on occasion like USA 2019 it happens
I have no data but I must google how many times they get it wrong in the last 20 years
Given Trumps relationship with WHO I am not sure who they take their advice from
The Irish and I assume the rest of Europe got it right in 2019 last year

Waylon Petite Shower wrote: »

Hi, this is a slight aside but I would consider it related to your post so it prompted me to reply.

We are reading about business and individual folks who are on the pup and so on and are immediately struggling to pay rent, mortgages and so on.

On a general level I do wonder has the concept of a rainy day fund been totally lost (or forgotten about by those commenting), it’s surprising that so many are immediately in financial difficulty due to missing one months pay (but receiving the pup) when we are also at an all time high for savings (it was in a report I read over the summer, not sure if it has been discussed in this thread prior to my reading it over the last week or so).

I do not mean to be insensitive and I would understand younger generation not having as much aside but I would not think they would have mortgages either. Of course not everyone of any age will have a buffer but the narrative is that all folks are immediately in financial trouble where I would have thought more would have savings to tide them over than would not (even if it means the non ideal scenario of eating into savings earmarked for something).

"Let them eat cake"- Marie Antionette 1789

"Let them live off their rainy day fund"- Waylon Petite Shower 2020

Captain_Crash wrote: »

Alan Sugar had a good article on it back at the start of all this, effectively saying if a small business is operating wisely then if wouldn’t have such cash reserves. The intention is to reinvest as much as possible and keep the money making money!

So for the most part, a business should be reinvesting profits not hoarding them! Hence by design, a well run business won’t have the cash available for 6/8/9 months of closure!

actually thats a very good point , didn't even enter my head.
Guess that's why Sugar is minted and I'm a mere an IT functionary:pac:

road_high wrote: »

"Let them eat cake"- Marie Antionette 1789

"Let them live off their rainy day fund"- MickelsonM30 2020

In fairness to the poster he did ask in respectful way
but your reply made me laugh all the same

How do I report a poster for being a re-reg to get around a ban BTW......

Waylon Petite Shower wrote: »

It is really difficult to make any sort of point on this thread without some other posters jumping down your throat often with an attempt at some amusing but irrelevant quip. I wasn’t trying to belittle anyone’s situation I was just making a point I feel is a gunuine one.

I feel that in a time where our savings are at an all time high as a nation that it’s a fair point to make. It is not saying people should have to live of savings, not a particularly for/against lockdowns comment either it is more an observation that apparently large numbers of folks are immediately unable to supplement pup/job seekers with savings to tide them over for some time and I personally would find it surprising that at least a very reasonable percentage of those would not be able, in conjugation with pup, possible temp rent reductions/mortgage breaks and so on be able to get through this without major hardship.

Obviously I do not mean everybody by any means which appears to be the immediate reaction of a number of posters.

Even if you had a decent rainy day fund, it’s been raining for some for 9 months now. Imagine yourself in the position of many who had a very good quality of life pre Covid. Had a mortgage based on maybe 25%-30% of income which left room for necessities (food, clothing, utilities and education), some left over for savings, travel plans, hobbies, personal grooming, dining out and other luxuries.

It’s possible to have a very nice quality of life on average wage (granted you May need two to be earning it, and it depends on where you need to be based for your work).

That’s all decimated. Savings gone, hope for future employment in serious jeopardy. Living Tuesday to Tuesday. Quality of life pre-Covid will be just a memory for many years while they claw their way back.

That’s aside from those just starting out and planning a life, applying for a mortgage, wanting to start a family - who now can’t even get off the starting blocks.

Successful businesses hanging on by their fingernails - probably very much aware of their sunk costs and the danger of those with ‘savings’ and in booming industries waiting in the wings to takeover their business with a clean slate.

And those forced onto PUP who have worked hard to get where they were now have to listen to some of those completely unaffected financially, pass judgement on their poor choice of career and inadequate savings smarts.

You do realise that those all time high savings are in the bank accounts of those with salaries unaffected - of course they’re an all time high with hardly any foreign holidays taken, far less eating out, gym memberships paused, private health insurance rebates, most hobbies on pause.

Waylon Petite Shower wrote: »

Hi, I am not particularly well off actually and currently on one income as my wife is on extended maternity leave. However my wife and I would both have enough savings to cover our expenses (mortgage, bills, all the expanse that go along with having a toddler and so on) for quite some time if we needed to. It would be far from ideal as that money is earmarked for other uses but we would spend it rather than suffer hardship.

Very commendable and congrats but I think the notion that vast sways of Irish citizens have the savings being reported is a nonsense, equally the recent absurd report on personal wealth. I've spoken to many on PUP (I was on it briefly) and they say that when travel expenses alone are considered, they actually benefited by being on PUP, this said they were on the higher rate. Its also worth pointing out only a small percentage of PUP receiptients are on €350, the majority on €300 or less.

I do believe there's far more people who survive week to week than you might understand.

I'm not particularly well off but I have enough to cover expenses for over a year. :rolleyes:

Waylon Petite Shower wrote: »

Hi, I am not particularly well off actually and currently on one income as my wife is on extended maternity leave. However my wife and I would both have enough savings to cover our expenses (mortgage, bills, all the expanse that go along with having a toddler and so on) for quite some time (more than a year) if we needed to. It would be far from ideal as that money is earmarked for other uses but we would spend it rather than suffer hardship.

Just to reiterate I am not saying that this is not a very hard time for folks, it’s stressful and very hard in so many ways but I just felt it was a point that I have not seen discussed in the somewhat short time I have been reading this board - I.e. that some folks will have a back up to supplement pup and so on.

I moved backed to this poxy country just shy of 2 years ago, i received a call from my father telling me my mam had 2 weeks to live she was 53. i dropped everything i had in the uk and packed up to come home and be with family with the wife and 3 month year old, that took savings away.


Im not entitled to social welfare, im not entitled to PUP, i work in a school in dublin and 100% of my wages are spent of child minding and im rather not be sponge to state, my wife a nurse has to pay rent, car loans , food bills etc.


We have been told today that our landlord is knocking our house down, so now have to figure out where to live and pay for it all while this ****e virus is freaking people out.


We live week to week as best we can all the while putting a few spare quid in the credit union but its never gonna be enough to own a home or just relax and not worry about it , so you can stick your smug attitude up your hole



I'm very aware that im still in a better position than a lot of people in this country