Jump to content
House Price Crash Forum

dr ray

  • Posts

  • Joined

  • Last visited

Posts posted by dr ray

  1. No serious cuts in public spending and token, politically motivated tax increases which will do nothing for the economy.

    If the financial markets decide he was taking the p!ss because there is an election coming up the £ may survive but if they decide the politicians don't have the guts to deal with debts then the £ will be toast and the HPC will come sooner rather than later.

    He had a very narrow path to walk. Lets see how it goes down.

  2. But the more technology a boiler has the more parts can go wrong?

    There was a subsidy on condensing boilers up to a couple of years back but then they made them compulsory and withdrew the subsidy.

    The condensing boilers do break down and are unlikely to last 25 years like the ones they replace so will never pay for themselves and this essentially acts as a transfer of wealth from consumers to the industry.

    Not to worry though. Just think of it in terms of a subsidy for the 3rd runway at Heathrow.

    ( the government has decided to keep carbon emmissions from aviation at 2005 levels by making bigger cuts elsewhere so, if you winter in chilly Britain, you will be subsidising those who winter in Barbados)

  3. He is going to make efficiency savings and make public services better. He is going to give doctors and the police more freedom so they are more efficient.


    "We have completely ****ed up for 12 years and wasted so much money you wouldn't believe it"

    He's been announcing efficiency savings since his early days as chancellor. It usually involves some highly paid consultancy group suggesting a service should be taken over by a friend of theirs at twice the price, making a hash of it and handing it back to the public sector. Look at rail franchises and diagnostic centres

  4. Yes, MPs constantly harp on about why we do not have a google or microsoft in the UK and yet they continue to throw billions at foreign owned companies who outsource skilled IT work overseas. I wonder what incentives, if any, they have for doing so?

    Funny you should mention Google.

    The politicians used the scenario of a patient turning up unconcious in casualty and the doctors having no previous history to justify handing over £12 billion (or £20 billion according to some )

    A couple of years ago Google lauched a free service in the States which allows patients to upload their medical details so that if the scenario arose the information would be available. I don't know if it caught on but it pulled the rug out from under the justification.

  5. PACS (digital X-rays) is live and works very well. GP systems were going well before NPfIT and now the best of them have been included in the club it's still going well in this area. ETP (transfer of prescriptions) works now but isn't massively widespread)

    The problems are in the secondary care (hospitals) area, the reason is that the companies are either flogging old US software which doesn't easily meet the needs of a UK health system, or are putting in brand spanking new code which due to the size of the operation is slow to gain traction (it's aircraft carrier size code so will have aircraft carrier sized programmes of work to do it).

    Both systems are now live in a handful of places but until the whole behemoths are in place no massive improvements come to patient care. It's a case of the whole is worth many times the sum of the parts, but this end goal is still a way from being achieved.

    Anyway looks like I'm royally phooked now lol - I was in jobhunting mode as my place of work is a bit radio rental in the way it's organised but that has been increased to warp factor 9 jobhunting as a result of this.


    PACS was always rolled out as a success for NHS(h)IT but in truth it was already being taken up by hospitals before the National system was thought up because it was cheaper than conventional xray film. The government may as well try to credit the success of digital photography to the success of the NHS IT system.

    If fact the idea was to use the IT system to link the PACS systems of hospitals (or more accurately, to link hospitals to private health care providers so that patients are not tied to an individual hospital or consultant and can be shipped around like a commodity). In that aim it is largely a failure and we currently transfer the images on to CD and post them if another hospital needs them.

    "You know, for example, the NHS had a quite expensive IT system that you know, frankly, isn't essential to the frontline".

    This is quite a u-turn. The system was sold to the taxpayer as essential to the front line while the front line clinicians repeatedly stated it was not needed.

    The fact is that the system was essential to introduce competition and outsourcing in the NHS but as the GBP approaches parity with the Indian Rupee and spending in the NHS will have to go to clinical areas rather than outsourcing specialists like the one Patricia Hewitt was director of there is no money left in this so the real point of NHS IT has been taken away.

  6. :lol: NEITHER, it is 5% ffs!

    Lost the gains of a whole week on an asset that should be considered an intergenerational investment :lol:

    I have been quite depressed by the run up the last few weeks. Not bought any above £600/oz and I'm getting withdrawal symptoms. I was happy buying regularly when the price was stable over the summer.

    Could do with a drop to £550 to scare the bejabers out of traders and let me accumulate some more on the cheap.

  7. The puppet politicians are happy enough to let their mates at the banks continue their looting spree.

    The problem is how to quell the negative public sentiment or at least divert peoples attention. They dont seem to be doing a very good job at this just now.

    The way to do it is to link the fat cat bankers to the fat cat Tories and the salt-of-the-earth Labour to hard-working families in peoples minds. That way the more obscene the mismanagement of the financial sector by Brown, the more people are nausiated by the Tories.

    This has been policy for a while and it was stepped up just a day or two ago. We even had Lord Prescott of Grimsby Docks - the working class hero- on R4 going on about Tory tax evasion this morning

  8. I had life insurance from being a teenager, it was something my mum got me into, always paid into a Life assurance policy so you get money back (most are like savings schemes), my last one was an endowment life policy which was meant to come out last year, I surrendered that a year early (as I was divorced) and got £7k (like mortgages, endowment life assurance policies didn't perform very well) however I have been unable to get any further cover due to the costs involved. Strangely insurance agents were saying "why should I be bothered, if I die there's no one to pick up the tab"

    The thing is when I do go I want to be buried but doubt I will get my wish.

    I cannot believe the price of cremation in Luton (£3,200) BBC News 18 January 2006 (admittedly thats a few years ago).

    I once read that the reason sailors used to wear a gold earring was to pay for a christian burial rather than be thrown over the side should they die at sea.

    Even with POG as it is you would have to walk around with a pretty big earing and you might need to cash it in sooner rather than later if you are unfortunate enough to be robbed for it or mistaken for a gay.

  9. The spouse can claim death benefits of around £2K I think but I don't know if this is means tested.

    Otherwise if there is no spouse and no-one else wants to pay the local authority become responsible for the funeral - a pauper's funeral it is still called. They can take any of the deceased belongings to help pay.

    I once had a miserable old b******rd under my care who was disowned by his son after he died. The son did come in to collect a big sovereign ring the old boy wore and wasn't happy to find out it had been taken to help pay for the pauper's funeral.

  10. Nah. That demographic includes most quacks, senior nurses/teachers/coppers/etc and others in the public sector who have seen huge rises under labour. Many of them might be influenced by coming under super-tax.

    There's already the elephant in the room when you can pay 55% tax (40%+NI, for those who prefer government spin) whilst also being amongst the poorest 30% of Brits who can't afford a house.

    Not sure what you mean. Do you think these people are core Labour supporters? Many went over to Nulabia because Blair seemsed like "one of them" and a natural Conservative but they saw things like tuition fees brought in, their Equitable Life pensions wrecked and their shareholdings in the few shares they had accumulated wiped out. Now there is a suspicion that their children will be discriminated against for university places and they know they are being lied to about improving hospitals and schools because they know first hand.

    No - no Labour supporters there. They can be ground up and spat out. Its the people reduced to poverty and unemployment who should be blaming Brown for their problems who he is trying to seduce by portrying the Tories as a load of rich public school toffs.

  11. Problem with trying to tax the rich is:

    if you tax wealth too much, the rich just move to a new country.

    and if you tax income, high earners just decide not to work so hard.

    Like it or not, a rise in tax for the rich also has to include middle earners as rich.


    What was it Reagan said: "If it moves tax it. If it stops moving subsidise it."?

    Labour have given up claiming to be the best choice for mamaging the economy and, as GB's quips about the playing fields of Eton yesterday showed. they are going for the class envy vote. They even wheeled out Prescot on R4 this morning - time was when he was an embarrassment to Nulabia.

  12. Because we're more subtle about such things?

    I noticed a similar phenomenon (on a much lesser scale) when I lived in Italy. That is to say, they were busy prosecuting blatently corrupt people (notably politicians), while in the UK we ensure there are always sufficient loopholes for the right kind of person to stay on the right side of the law while being equally dishonest.

    They weren't very subtle when they wiped out the small shareholders in Railtrack, British Energy or Lloyds. They didn't think they needed to be because these people don't vote Labour anyway so are well positioned to be shat on.

    I should imagine anyone with a few £k in savings or earning £50K plus is probably written off as a potential Labour voter so can be sacrificed to win a few votes from the envious and workshy.

  13. Are you mad ?

    It might look like a great idea at the moment, but what if it does go the other way !!

    Even Peter Schiff only recommends you hold up to about 30% of your wealth in gold.

    Eggs, baskets, and all that !!


    If its physical and he knows where its stored he'll be getting all of it in due course - no questions asked and the government can do whatever it wants to confiscate savings and inherited wealth

  14. Buying gold before 2004 was wise.

    Buying now isn't.

    When adverts on TV every 30 seconds instruct chavs to sell their gold you know there is something fishy. Perhaps the BBC are working on a new programme (Gold Under The Floor?) as their staff have moved their money from property to the shiny stuff.

    And if you are going to insult people PLEASE make sure your grammar is correct.

    Yeah. Just look at the dying stages of the housing bubble when there were adverts on TV urging people to sell their property for below market value. Sure sign of a bubble when people sell stuff for less than its worth. :lol:

  15. My two pence worth

    Bought one of these 18 months ago. A blinder, reliable, no problems (touch wood).

    Paid £650 on the road - I think it's about £750 now. I think it's a Honda C90 with Chinese stickers

    My link

    well worth a look

    So it was about 2 oz Au 18 months ago and just over 1 oz now, WTSHF you'll be able to buy one for 1/10 oz.

    I'll stick to gold for now thanks.

  16. You're just trying to turn this into a survivalist thread aren't you!? Well it's not going to work!

    Anyway, canned food will keep for several years but saving seeds and growing berries and fruits using permaculture ideas seems to be the way to go.

    Gold? I'm now looking at buying a new Taiwanese 125 step-tru scooter which will do 120mpg. IF TSHTF

    it will become more valuable than gold!

    If you believed that you would buy lots of them and horde them.

    A scooter is fine for scooting but is neither a practical means of exchange or a store of wealth. You are comparing apples to screwdrivers, not even apples to oranges.

  17. As usual, a slow topic for gold, no one cares, just waiting for house prices to crash. Tick, Tock. But how will you afford to buy a crashed price house once your prudently saved paper sterling deposit is worthless?

    I'm now beginning to think that houseprices wont crash in £ for the same reason gold is increasing in £. Flight to assets.

    In real terms houseprices have already fallen maybe 30-40% measured against a basket of currencies or gold and that may be it.

    The only chance for a crash in HPs would be sound economic management which would in the short term mean more job losses and higher interest rates. I don't see this unless it is forced on the UK.

  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.