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spyguy

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  1. This is what Im seeing. To answer the thread title - most people are on 2, 5 and maybe the odd 10y fix. Unlike the early 90s where everyone was on floating rates, this time theres a slow ramp up to peak pain. Thing is, as ates are not going sub 2% that pain is coming.
  2. He is talking his own position. However ... thats what the market is.
  3. For most of IO BTL -3/4 - selling 9y ago would have offer them an exit. Maybe not a profiabltone, but one with their shirt on. Since ~2015, majority of IO BTL have been accumulating tax liabilities. Cof offered a slight blip - although when you look at UK mortgage approvals you can see there would not be many buyers. By ~2020ish, the date at which IO BTL SVRs went above th4%, the yield most IO BTL have been buying at, then its only matter of how much pain rather than none. Now not only are IR much much higher - touching 10% for IO BTL SVR, mortgage approvals are flat lining, so little to no buyers.
  4. 9 years later... Landlord warns: “Sell now” as headlines encourage Government measures for a further reduction of the private rented sector https://www.property118.com/landlord-warns-sell-now-as-headlines-encourage-government-measures-for-a-further-reduction-of-the-private-rented-sector/
  5. I would break the sex equality laws.
  6. Chinese, yes, I cant see any money issue with CHinese HE. Security, yep. Indian, Nigerian, etc etc, bringing family over - No. Massive massive p1ss take. Any how many people on iworkbenfiotsd came over as a student x years ago? https://www.quora.com/I-m-an-international-student-in-the-UK-Can-I-plan-a-baby-What-rights-can-I-get
  7. I agree - and Im not a daft lefty. Ive never seen a good breakdown of London income. Most is just services provided to elsewhere. The trading bit, as we found, was no more than leveraging the UKs future tax base to speculate on property. There is no accounting. As the current situtation goes on, youll find that the migrants (50%+) in London are drawing huge dollops of benefits and expensive public services. Youll also find a lot of those building a lot less than full. There fact that Canary Wharf is emptying to back to back to CoO shows that - 1) FInsec/pro services as a mass employer in London is over. 2) Demand for London Property is falining and falling. With WFH form home it looks like London earnings' was nothing more than workers travelling into London to pay tax, whilst the increasingly foreign resident population of London sits on benefits.
  8. Boro proper is full fo scum, home grown and imported. The places surroundind it are lovely. Move inland and youve got access to A1 - up n down Newcastle to Yawk in a commute. Avoid the town and the villages in East Cleveland and youll be fine. Just read Evening Gazette and youll get a feel for the worse places. Boro scum dont tend to wander much,. bar the odd train to Yawk or x93 bus to Whitby. No matter what people say, Inglebly Barwick is a shitehole, or will be a soon. Deanoville
  9. Going by the number of dog groomers and large vet bills .... Kids are cheaper. Seriously, I dont remember much in the way of vet bills as a kid. Burlap sacks n shotguns.
  10. Wheres Edward De Bono when you need him? People cant afford vet bills. People cant afford food ????
  11. I should state - I have no current or previous active involvement However ..... I do have an interest in distributed data/computing which, fundamentally, is what health records bookings/whatever is. And I do keep coming across Heath IS - a lot tends to overlap with the work I do, which was telecom,. now transaction system in general. And I did spend a few mischief nights at school mates who lived a few doors down from Egton Surgery - the 'E' in EMIS. Key to success- getting your bins chucked over the fence. The health IT stuff all seems to be centred around Layds! IIRC EMIS as well as TPP are HQed there , along with NHS IT. I did have a look at HL7 in the late 90s. I wasnt impressed. I remember an argument about data exchange. There was a strong case for using ASN.1, which would have been good (but ASN.1 does have its issue). They went for XML, which is a huge mistake. And before that I remember my horror at reading about Read Codes. https://en.wikipedia.org/wiki/Read_code Anyhow, both EMIS and TPP have their roots in GP ((literally, as well as specced) IT system written on PCs - first DOS, then Windows. In both cases, I dont think they gave any thought to the the data or structure and life cycle of their application, whcih is probably where theres such a mess in the NHS/GPs as a whole. But this is the core of the NHS problems - there is no career structure/recruitment outside of clinical staff. NHS CEO/senior leaders seems to be entirely composed of Nurses n porters. Now, theres no reason why a nurse cannot learn leadership, financial n logistic skills - However ,IME they are never seek people with those skills or express any interest in acquiring or understanding the issue - just blunder in n fkup. I thought of this last point when I saw - https://www.wiltshiretimes.co.uk/news/24148164.new-chief-executive-south-west-ambulance-trust-appointed/ Dr John Martin has been appointed as the chief executive at the South Western Ambulance Service NHS Foundation Trust. Now he may - or may not - be a perfect CEO for this job. However, a couple of things jumped out. One, hes not a proper Dr, not in terms as anyone seeing 'Dr' in the NHS would understand. https://collegeofparamedics.co.uk/COP/News/2023/Copy_of_Could_You_Be_a_Future_Leader_of_the_NHS.aspx Its a bit like a Dr (of chiropractic) Two, the NHS as a whole is just a very large logistic operation. All orgs beyond ~20 people live n die by their logistics. The ambulance trust would do better recruiting from the the supermarkets rather than within the ranks. But the entire NHS leadership, at least visible, just seems to be sacrificial idiots, put in place to take the fall and be retired off on £££, whilst the core people carry on blundering away.
  12. Bit too tinfoil hatted. Last time I looked its just the application. I dont think TPP touches the data.
  13. The turnover at Hesters company is pretty high. He pays well above going rate. I've been working my contacts - before thus - to try n get some inside info about his products.
  14. Nah. He's a strange bloke, with a high margin business. Patient n GP records. Square root if fkall to do with coof, or any PPE shenanigans.
  15. And we - thats'em' - make the regional BBC reportage. Whitby holiday lets hit by Budget announcement https://www.bbc.co.uk/news/uk-england-york-north-yorkshire-68506205 You might want to double sellotape your sides .... "We're the ones who are creating growth, who are creating jobs, who are doing all those things on his little tick box that he's pretending he's doing up there, but really what he's doing is halting progress," she said.
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