the-wife's-knickers
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Posts posted by the-wife's-knickers
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25%..is that all.come to bits of leicester.
not denying some work hard.jsut saying they're overpaid and their pensions are unfunded and unaffordable-whilst accepting there's a huge gulf between young and old as there is in terms of pension p[rovision across the public sector with the golden generation getting DB on final salary.
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
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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
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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.
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Heard from a teacher that the strike is more about working conditions ( lots of paperwork, having to face the risk of false accusation from the chav etc) than the pension
(being the last straw).
I am wondering what is your Mrs view on this?
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.
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........oh and it was also part of the break-up acquisition of ABN.
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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.
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Wow, tough crowd - 112 views, 0 comments.
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.
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Thanks for the link, would I get company dividends if any?
I am thinking of buying some more Shell. Has saw me well thus far.
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Kirsty Wark........... YES or NO gentlemen??
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I really have heard it all now!!
Denial.
Desperation.
Dole queue.
The three Ds of the modern estate agent.
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I've been wondering how to interpret home report valuations (and for that matter, surveyor valuations in general).
Seems to me there are at least two big variables in any valuation - (1) the desirability of the property and (2) the state of the market.
No doubt surveyors have some kind of guidance and formulas for (1) (does anyone know what they are?).
And what is their approach for (2)? For example, do they take into account the normal seasonal variations in a market like Edinburgh, in which case one should look very carefully at the date of the valuation. How do they read the current market if there are no recent comparators? How recent do comparators have to be?
Finally, seems to me it would be useful to separate these two issues - is it possible to get a surveyor to estimate an historical value for a property thereby much reducing the second variable. For example, could I ask a surveyor to estimate the value of a property in, say, June 2006? I think this would be a much more valuable piece of information because it would leave me to read the current market situation, and give me a more direct measure of the surveyors view of the "desirability" of the property.
So - can anyone explain how surveyors arrive at valuations? Is there a better way of thinking about this?
cheers
F
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.
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Any folks know what the situation is in Glasgow, is much selling? Are people paying 10%/20% over the offers?
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.
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Based on HBOS research over 3 years.
"In March, the average monthly cost of a three-bedroom home for a buyer with a mortgage was £514, compared with £531 to rent the same property."
Also apparently "include include mortgage payments, household maintenance, repairs, minor alterations and insurance costs."
Doesn't mention what sort of mortgage however -capital or interest only ? Also doesn't mention deposit required.
So buying the average 3 bedroom place in Scotland, and including all repairs, maintenance, mortgage costs, insurance etc.. costs only £514 per month.
Thoughts ? Sounds rather low to me. Just did a basic mortgage calculation on the RBS website calculator. Based on £150k repayment over 25 years. Total does not include a deposit. Average tracker cost ends up at roughly £700.
Have to put in only about £100k mortgage required to get a payment of about £475 per month. Which even then only leaves £50ish per month for Insurance, maintenance etc....
Unless I am missing something - it does not add up.
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.
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I have just woke the Mrs up. Look at that you doubting BEEP!!!!! -3.6%
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Isn't September one of the best months for house buying?
edit: at lower prices obviously
Heres one for the MSE watchers....
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I've seen myself how homelessness can result in crime and then prison. I've also seen crime result in homelessness and then prison. To distinguish between the two is quite difficult, but hopefully will be easier in the future. Currently I see prison as a form of social housing (due to the lack of it). At times I have considered getting locked up, to have a roof over my head, and I know people who have done so.
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.
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there's been plenty of dreamers on both sides of the bear/bull argument in recent years.
it is facile to suggest that people that market at oa are dreamers-it is the amount they ask for that matters-not whether it is oa or fp.
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.
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I've also found this...
http://www.mind.org.uk/help/social_factors/managing_your_money/managing_money_in_prison
You ideally need to speak to a debt advisor, but if there isn't one available? Must make it harder. I suspect a lot of prisoners have numeracy & literacy issues, so they may make it hard to understand fully what's going on..
As a sort of aside, it is shocking how poorly some prisoners are treated after release - I spoke to a volunteer I work with, is an ex-offender.. Many do end up homeless, which during the summer is just about manageable, during the winter, many commit crime just to stay warm, and prison just becomes a revolving door..
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.
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Another useful wee site is www.propertysnake.co.uk which charts falling prices in your postcode of choice, plus days on market etc and there's an awful lot falling!! So clyde are sneaky wee devils.
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.
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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)
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Thanks for that, I will bide my time. Also just noticed that Corum have three others all just reduced in last few days in same area. This ones on with clyde and they dont seem to reduce anything. I think the vendor's still living in the past along with a many others.....My solicitor says things are set to remain the same until xmas and then nobody knows, also says people are not getting over asking price on offers over with most going for £10-15k under...Watch this space!
Clyde appear to re-list when they reduce to beat Property-Bee. The Rightmove Price Comparison Report can help with this sometimes.
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here is my take on "offers around" price. It is the price that they would have liked to get on the house before things went oh so quite and slow. They would have put it on fixed price, but don't want to in case that looks too desparate and they would still like to hold out the possibility that some one will offer more than that, but they do accept that they might get less than that. It is basically a: "if only we had sold three years ago like I said we should dear" price
reality will hit soon for these OA dreamers! -
Are prices falling in the west end? I'm looking to buy. I have offered twice on a property, the last being £10K under asking price...the owner looking for £25k over asking price I am told by EA, yet property been up since April '10 and empty, no other offers etc!!! Thoughts please.
The seller is yet to see reality. Patience is the key. Your time will come.
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So they basically bought local property? So, because they existed and had easy access to cheap credit, they bought loads of property which, in itself, drove up the market?
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.
Worst Ever Council Job Cuts
in House prices and the economy
Posted
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.