the-wife's-knickers

I am from North Lanarkshire. My mrs is an English teacher at an NLC school. These job cuts are targetted at dinner ladies, school technicians etc. I doubt we will see a big reduction in management. However, a few points.... 1. Scottish schools have FAR FAR fewer management posts than English schools. A High School with 1100 pupils may only have 9 people in a management position. HT, 2 DHT, 5 Heads of Faculty, 1 Head of Pupil Support and 85teachers. 2. Teaching is a stressful job. I sometimes want to go and wait at the school gates to have words with some of the little Chavs for the things they say and do my mrs. (colleague had a 15yo Chav who had been all the way through youth justice etc drop his trousers and invite her to take a suck) 3. My Mrs spends several hours a night and on Sunday marking essays etc and now resorts to buying about £10-15 worth of stationary a week to keep things going in her class :angry: I want her to quit but she has always wanted to teach. Pity so many of todays youth are dragged up.

Well Bob, it is not a job I would ever do so cannot make any comment on the salary. My Mrs is not paying into the pension due to student loans. Not sure of her future plans

My Mrs is a teacher. Works hard. Has a class full of kids from Poland and various other countries. Constantly under pressure to get pupils through exams. People do not realise that some schools are slipping because 25% + of pupils dont speak English! No wonder exam results are going down

The Mrs and I are still saving away but I think that we might end up biting soon-ish. I would happily wait it out but I reckon that we will buy within the next 12 months.

My Mrs is a teacher in a really sh*t Glasgow secondary school. She is 25 and has accepted that she will get no pension when she gets to retire. She loves the job as there are lots of good kids. But when a teenage boy drops his trousers, walks to the front of the class and invites you to "suck my c**k" and escapes with a referral to some toothless panel, you realise it is a job that you probably dont want to be doing when you are well into your 60s. It may not be physically hard work but it does seem to drain them mentally and they do work long hours. (i can never get a 'cuddle' as she sits up doing coursework and preparation) I put this mental draining down to the behaviour of the ipod generation.

........oh and it was also part of the break-up acquisition of ABN.

Well Santander have bought up pretty much everything that moved in the UK banking sector over the past few years... Abbey National since 2004 Bradford and Bingley assets since 2008 Alliance and Leicester since 2008 GE Capital Bank assets since 2009 RBS assets since 2010 .... it is also the second largest bank in terms of mortgages held.

Parents were told by the local Remax that they did not negotiate their rates. my father thanked them for their time and ended the discussion. They were on the phone within 24hours with a Special Offer. Also are you comfortable and flexible regarding viewings. You will probably end up doing the viewings and I would find this tricky with my hours of work.

I am thinking of buying some more Shell. Has saw me well thus far.

Kirsty Wark........... YES or NO gentlemen??

I really have heard it all now!! Denial. Desperation. Dole queue. The three Ds of the modern estate agent.

EA adverts seem to make a big deal of £x thousand under the home report value. This suggests to me that they are pretty meaningless and go out of date quickly. When interested in a property, historical data is the only thing that really bothers me with regards to considering a "fair" price.

I have enjoyed looking at http://www.rightmove.co.uk/house-prices-in-my-area.html for my target postcodes. I am unsure how long the EAs can survive on such low volumes. The 7year comparison is particularly interesting.

The details are just too vague to make any real comment. The calculation could be based on a 60%LTV and I doubt the average buyer has that sort of cash sitting around. More VI spin methinks. Also the VI and sheep rarely consider the true cost of buying/owning a property.

I have just woke the Mrs up. Look at that you doubting BEEP!!!!! -3.6%

Heres one for the MSE watchers.... cheers.htm cheers.htm

I did my best to avoid prison/custody as I found it truly horrible and degrading. It did not stop me from committing further crimes though. have you explored all local authority and charity provision?? Some people cope well with custody. Others do not.

My comment referred directly to the definition of an OA dreamer offered by the poster quoted in my reply. (edilass) I am aware of the many Bull/bear arguments.

I now work with an organisation that provides a direct alternative to youth custody. Homelessness, (in all it's forms, not just people who are living on the streets) is a major issue and can result in imprisonment. Alternatives to custody are rarely available to those without stable accomodation. Institutionalisation is a VERY controversial issue and was alluded to in the last series of Bad Girls on ITV attracting criticism from some quarters. I imigine that debt advice (of some form) may be available in larger prisons. These institutions often make good use of external agencies. However, I do remember having to read many a letter or information of other sorts to my illiterate cellies over the years. I was actually a clever little B**tard. I was just screwed up by years in a children's home.

There a few that use this Bee-beating tactic. The Bee is soooooooooooooo busy at the minute that I think it could do with a wee break anyway. It must struggle with ALL these falls happening.

As a former Young Offender I can give a little insight. Whilst on remand as a teenager, my celly was an older married man. His Mrs was left paying what she could to the creditors whilst feeding the kids. (it was all joint debt) The poor guy spent his days (and nights) pacing around the cell worrying about his family. After a few months on remand he left for a court appearance. I found out from the screw later in the day that the case had (quite rightly) collapsed. I also remember a fact sheet in a "Welcome pack" I received once containing a leaflet about dealing with debt whilst in prison and about how debts can grow. I checked the PRT website. This is the best I could come up with... http://www.adviceguide.org.uk/index/p_prisoners_and_debt.pdf It seems you have to do an MSE.... 1) enter dialogue with your creditors explaining your situation 2) cut up and stop using cards (obvious if your in the jail tho someone outside might still be using them or you might have recurring charges on them like subscriptions) 3) make sure your benefits are up to date and claim any monies owed 4) look for full and final settlements/ token payments/ frozen interest 5) bankruptcy is last option (ps i spent most of my teenage years in Secure units or Young Offenders or Local Prison for remand. If you need any advice just message me)

Clyde appear to re-list when they reduce to beat Property-Bee. The Rightmove Price Comparison Report can help with this sometimes.

reality will hit soon for these OA dreamers!

The seller is yet to see reality. Patience is the key. Your time will come.

I just posted this elsewhere..... these "investors" purchased 75 two-bedroom flats between 2007-2009. They wanted to be the east end of Glasgows answer to Donald Trump. http://www.rightmove.co.uk/property-for-sale/property-14311218.html The bank who lent on these 75 properties should face criminal charges.