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About hpcwaiter

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  1. so move out and make clear that you'll be taking your turf with you
  2. Interesting idea - but you are entirely mistaken about there being no difference between a user and an administrator of a computer system. The users follow processes to perform functions, however the administrators must be able to configure users, and diagnose faults with the system. As an 'IBM Certified Professional' I can tell you that the users are 50% of the time barely able to tell you what software they're using. The rest of the time the IT 'experts' in the user pool have cocked something up while doing something they shouldn't be doing, and are unable/unwilling to tell you what they have done. So, In conclusion - would you rather pay 50 quid an hour to someone who can draw you a diagram of how the entire system hangs together, who can analyse and improve processes, configure new hardware additions, users, jobs, perform backups and take care of all of the other requirements of keeping an enterprise level system running..... ....or someone who can narrow mindedly interpret the data on a particular software screen, not be able to tell you if they're running Windows or Linux, and blame IT when their computer fails as they've been messing with the setup. Annoyingly, I've only ever earned fifty quid per hour as a circus performer, and never in my professional career.
  3. Surely this depends on where the property is! If it was in Liverpool it may be a lot less than Brighton. I would not pay more than 100K for a 1/2 bed flat anywhere outside of London! Lived in one for 3 months of about the same age (built 2002), and the build quality was non existent. Given the numbers you're throwing around, and the length of time on the market, I'd say its unlikely they'll get the current asking price,and will continue to reduce..... It's currently only had about a 15% reduction - realistically this is going to reduce further as interest rates bite (which they must, someday).
  4. Thought you lot might be interested in this.... IPSA are currently having a public consultation on MP Expenses - I put in the response below. Why don't more people tell the elected representatives to be respectful of the public's cash - maybe we'll get somewhere! Links : Main IPSA site http://www.parliamentarystandards.org.uk/ Expenses Consultation site http://www.ipsa-home.org.uk/Consultations_January2011_Annual_Review.html [HPCWAITER] to schemeconsulta. show details 7:42 PM (1 minute ago) Dear IPSA, I do not believe that MP's should be allowed in any way to profit beyond what they are paid in salary for the completion of their work. Expenses should in no way be allowed that would allow any MP a quality of life benefit over and above that of the poorest taxpayer. A single apartment block should be built or purchased, where all MPs and Lords could stay overnight should they need to where required solely in the completion of their duties. I find it to be a total farce that I am paying mortgage payments or rent in one of the most expensive cities in the world for people who have chosen to do a particular job - this simply does not happen in the private sector. Paying mortgages from public funds is akin to theft, and paying rent is not providing value for the taxpayer. Why not spend this money on one building, once, and maintain that one building without allowing individual MPs subsidisation on housing when they are on over double the average wage. This way over time the cost is paid off, rather than creating a system where taxpayers must perpetually fund accommodation which will permanently be required. No furnishings, luxury items, food, drink, magazine/news subscriptions, or entertainments should be payable on expenses. The public have to pay for these things, and so should MPs. Basic furnishings as would be found in a non-luxury hotel should be purchased for the single building of MP apartments, and MPs should be forced to pay for any damage they cause - as would occur in the private sector. No buildings work, insurance, repairs or maintenance for first or second homes should be payable on expenses. This would not arise were there a single building. No MP should be permitted to rent accommodation from any other MP or Lord. This effectively allows MPs to swap houses and take taxpayer money as 'rent' when in fact this is paying their mortgage interest and more besides. This is THEFT pure and simple. I believe that a reasonable travel allowance should be made, as I accept that MPs do have to represent their constituencies. No MP or Lord within Greater London should be allowed to claim any travelling expenses between constituency and Parliament. I do not believe that the Lords should receive any kind of payment, whether as salary or expenses whatsoever - they are not elected, cannot be removed, do not represent the taxpaying public and traditionally this seems to be nothing more than an old boys club for the ruling elite who then seem to exist only to make sure that only those laws pass which offer either personal benefit or benefit to their corporate sponsors. All expenses should have to be pre-authorised by IPSA before the money is spent, and documentary evidence provided after this taxpayer money has been spent. A lack of authorisation OR proof of expenditure should result in non-payment. Constituency offices should be purchased by the state for the use of the local MP in each constituency. The costs of running these should be centrally managed, and MP's should not be able to pick and choose where their offices are. This will mean that the costs can be centrally managed to provide economies of scale, rather than allowing individual MPs to select expensive or luxurious surroundings. It would also mean that it is no longer possible for MP's and dishonest landlords to defraud the taxpayer by taking one level of payment while invoicing for another. MP's should not be allowed to employ any members of their families, or the families of other MPs. Jobs in constituency offices should be advertised centrally, and rather than have individual MPs responsible for paying staff, these should also be paid centrally. Jobs in constituency offices should not terminate when a government falls, as this means a lack of continuity for the people of that constituency. All MPs expenses should be published in full with no redaction. No proportion of capital gains from ownership of property funded by the taxpayer should be kept by MPs. This is the taxpayers profit, if there is any. MPs should not be allowed to use any taxpayer money to create promotional materials for either their party or themselves as individuals. Business cards are unnecessary, as they are elected by the people, and they should be representing the people. Constituency communications should not be allowed to carry political bias, and if they do then they should not be paid for by the taxpayer. No expenses should be paid to MPs in respect of the costs of their family members. This is not contrary to the right to a family life, the public do not elect the families of MPs, and moreover, no-one forces MPs to apply for the job in the first place. If they do not like the job and its requirements, LEAVE. ABOVE ALL NO CLAIM SHOULD BE ALLOWED THAT IS NOT ENTIRELY INCURRED BY THE MP CARRYING OUT THE DUTY OF GOVERNMENT. I would happily discuss my views above should IPSA choose to contact me in relation to these views. Regards, A taxpayer who has not claimed a penny in expenses despite being allowed to do so, working in the private sector. Leeds
  5. So, in the event of proper financial collapse, I think it would be a good idea to be holding bricks and mortar, with a bit of land. Question is - at what point does the whole lot collapse (there'll still be 'ownership' even if the currency is lost!)?
  6. problem then is your searches and mortgage, when bidding in an auction. Has anyone done this? Its a bit of a fuzzy area to me!
  7. Do you know, I've never looked at the top end up here - 18 in Leeds above a million, and 291 in Yorkshire. A couple of them are blocks of flats (one in Bradford!), which I suspect are going to be hard to shift!
  8. I'm wondering what anyone thinks of the current auction market. Do you think that the properties sold in current auctions are still highly overvalued? I have looked at some of the links posted previously and in some areas of Leeds they're going close to guide price, and others they're rocketing past. Do you think current auction guide prices are close to actual values yet?
  9. I should have asked which area you were looking at too - I'm expecting the drops to vary quite impressively. I am in Leeds, where a city centre-new build-2 bed flat is still more expensive than a three bedroom semi detached in the area I currently live - and it's quite pleasant really. When the market drops I think there will be a lot of shocked people, and I'll be able to pick up a nice house at a reasonable price. I reckon in Leeds there's got to be 30 - 40% off today's price to make prices reasonable - there are thousands and thousands of houses here for sale!
  10. Kevino, I think I spot the flaw in your plan. Unless you and the wife are moving in with your mother-in-law, you are paying 40,000 for a house but not getting anywhere to LIVE for your money. And you wont be earning any rent (read: interest) on the money you have put down. Where is the house your mother in law lives? Is it a terrace? I'm curious to see what you consider to be a 40,000 house. I'm in Leeds - there's one for 40K going to auction thats just round the corner!
  11. Telegraph article here This might actually cause a temporary rise as people rush out to re-mortgage/buy before they cant borrow so much - We're thinking 6 months to a year will be a good time to buy, at a substantial discount to asking price. Assuming prices are down 10% by then, I'm thinking another 30 - 40% off us reasonable. I might even settle for paying more if I found a place I really liked. How long would you leave it from now to buy assuming that HERE marks the tipping point and its a long way down? What discount would you go for?
  12. I had fun with this one - my reason for why I thought property would be cheaper in a year was a simple two words 'Socio-economic collapse'. Then they asked me to look at a photo of a new build and describe it. I did - mentioning that it would probably have paper thin walls and possibly unstated structural defects - every 'new build' I've ever been in or rented has been falling to bits - with walls and under-floors full of rubble and all sorts. Then it was how I'd describe these 'newly built flats' that translated as 'Slums of the future'.
  13. If you're in the UK, it is TD Waterhouse, not TD Ameritrade. TD Ameritrade is US based, and TD Waterhouse is UK based. Both are owned by Toronto Dominion Bank. You will be able to hold US stocks with a TD Waterhouse account, though as the previous poster noted there will be tax forms to fill in!
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