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You should get one Steve, will come in handy this time of year when you start sending your customers their annual Christmas lunch invitations......

Have been hearing adverts on the radio over the last week about it. Not really the best time of year for me to be involved with anything other than work.....

Funny enough I was in a cafe in Abbey road sitting right next to this picture when I read this thread.                                                                 

So pop stars begging for money in the name of charity is nothing new. But over the last few years I become more reluctant to give to charity for quite a few reasons. The UK is not a third world country, yet we have over 160,000 registered charities. There is something seriously wrong somewhere if we need that many. The idea that a CEO of a charity can be on a salary of over £100k is obscene. The charities that ask you for a fixed amount of say £10 as this will provide whatever for whatever, but I might only want to give them £2, which they don't want as that is not enough. For me what I give to charity is what I choose not what the charity tells me to donate. You then have the charities asking for money to be sent via text messaging costing you  so much per text, you then have to send another message telling them to stop sending you further demands, others don't want a donation they want your bank details and signed up to a monthly direct debit. Then you have the likes of Geldof and Co multi multi multi millionaires asking for money, I remember Geldof asking for money at the Live aid concert, the way he asked for it, sounded like he was your typical run of the mill street mugger. For some reason the media find him amusing for being offensive in the way he asks, well he doesn't ask he demands people give his charity money. I find the man totally obscene.

I'll always offer to buy a homeless person a meal and a hot drink although I wont give them money, I'll donate untold uneaten cat food to local rescue centers, I'll donate money to charities an amount to what I want to give, not an amount what I am being told to give And if the person asking for my money has more than me plus several houses dotted around the world, with their own Lear jet and yacht then they really are wasting both mine and their time......

When I was a kid at school during the 70s we use to collect waste paper / cardboard from the local neighbourhood and flog it to be recycled at the local paper mill. This paid for trips abroad, school mini buses and new sports equipment. The only cost element was for the adults giving up some time to supervise and a bit of space to store the paper. It worked a treat. With everyone having to recycle nowadays into seperate waste bins it would be an absolute doddle collecting waste paper and when mills are paying around nearly £100 per ton of newspapers and around £80 for cardboard there's money to be made.... Although you'd probably need a waste carriers licence nowadays....

It's only a reward scheme if the goods you are buying are at the same price as the shops competitors and if the competitors do not have a reward scheme. I would like to see a scheme much like it was with the Green Shield stamps so all retailers operated the same scheme, which would allow consumers a choice of where to shop.... Another daft voucher scheme are the ones where you have to spend £40 or £50 to get a £5 gift voucher of your next shop, provided of course you spend another £40 or £50 quid

Might be being a little bit picky here, but when I was at school they called the above shape a heptagon

My cats prefer rectangular shapes, either my bed or my chair.......

 If accused him is now presumed guilty until proven innocent, then that will make a complete mockery of any jury system. Simply because if a jury assumes that the person in the dock is guilty before any evidence is heard then those in the jury who don't want to be there won't have to concentrate to hard on the evidence and just rubber stamp the verdict. The trouble is nowadays even if you are found not guilty, if the crime you are accused of is so heinous you will always be associated with it and the rest of your life is stuffed....

Seem like the moderators are a bit like buses, none to be seen for ages then all of a sudden they all appear

I seem to be sticking up for Wonga, but as far as I'm aware I never ever saw an advert where they never clearly displayed that they would charge customers 15000% interest. The real Wonga puppets were human who signed up, were high risk and were desperate. They probably also neither had zero equity or owned anything of value. I totally get it that it was the poorest in society that went to places like Wonga, but I'm tired of listening about poor old me stories, after all anyone in this country can set up a business of any kind be it walking dogs to being the next Steve Richardson 

Funny enough, the BBC'S watchdog programme had an item about a tradesmen review website this week, which is all highly endorsed by the company's local trading standards. Yet it appears no one can leave a bad review? On the basis that you'll never please 100% of your customers 100% of the time, having 100% glowing reviews is an impossibility, it just is.......If review websites say that they must check and verify bad reviews before publishing, then surely  they must also do the same with positive reviews. It's my opinion that you cannot give more credibility to a positive review than you can a negative one. If review site owners are apprehensive about a negative review because of potential legal action, maybe they should insure themselves against such action.....