spyguy

I - well, the school fund on my recommendation - had to fork out to get a lockable bollard installed one sods drive as Fat Shazza was blocking him in every morning. Yes, hed shouted at her. Wed explained it to her. Dont matter - If paid me road tax I can park where I fking like ... I suggested we take it out of the ADHD budget ther her Tyson n Charminae were on.

Most are scratters i.e. barely or not working. It becomes part of 'important family time' - sat there, engine running, for 30- 1h, kids on phones, mam on her phone, radio on. Like a self propelling family sofa. Soon as the clock hits 840, out they go, mam speeds back for whatever important telly fills her day. Why I was govnuring at the school, my 2 monthly meetings used to start will correspondence from nearby house com[plaing about - 1) the fumes, 2) the scratters throwing Starbucks/Costa cups out of the car in the gardens. Then it was the same ~5-10 people, out of school of what ~200?

Yeah ... not had coffee.

Its credit and government splurging cash. Thats all. And it wont end well, even in the US. Less so in the UK. When walking mrs spys to school, Ive become immune to being passed by various potless scratters - mrs spys 'special parents' - who park up in large 3x3 a good ~30 minutes before the gates open, just so they an park close to the school.

I dont think she - apparently the wife has the mortgages - commited fraud. One, commercial mortgages are unregulated - if a bank is daft enough to lend to them then its their own lookout.

Thats errs, nuts. The numeracy and general ncompence of journos is getting really bad. A breakdown of UK buy-to-let mortgage lending statistics by purpose, between 2021 and 2023 That *all* mortgage lending you cretin. In August 2023, UK interest rates rose from 5% to 5.25%. The 12-month CPI inflation rate was 4% in January 2024, down from 10.1% in January 2023 but unchanged from the previous month. Both of these factors could have a significant impact on whether landlords choose to remortgage, as the cost of living crisis continues to grow and people are looking to save money where possible. Its BTL SR that count FFS. They are acutallytouchign 10% Soon, no bank will offer IO BTL loans.

To sae the UK HE sector then about 30%-40% of UG degrees need cutting, and the HE sector slimming rapidly down. There is no market in student debt or finance. The Treasury needs to device which UG degrees and which HE bodies to continue funding.

I, not aware of one going bankrupt - yet. And its nothing to do with Rishi. Try the HE grossly overexpanding and the BoE slashing IRs which destroyed Gilts.

https://beckettandkay.co.uk/who-owns-the-house/#:~:text=The position in law is,registered owner of the property. Who owns the house? If you’ve got a mortgage out on your house you probably think of yourself as the owner but, if we look a bit deeper into it, that is arguably not correct as a statement of law. The position in law is that the mortgagee – the lender – has rights which are wholly superior to the rights of the registered owner of the property. The only constraint on those rights is that the lender will have agreed that, as long as the terms of the Mortgage Deed are complied with, he will not seek to exercise those rights. So the lender’s contractual undertakings to the borrower restrain his superior interest. That might seem all rather academic, but it was certainly not academic to Paul Clark and Carol Beech[1]. They failed to comply with the Mortgage Deed. The lender’s rights thereby became paramount. The lender appointed a well-known LPA Receiver (see the article on LPA receivership). The LPA Receiver put the house in auction, and it was sold. The party to whom it was sold (Horsham) inherited the rights of the lender, not of the registered owners, Paul and Carol. That was the situation that arose before the case was decided, and it was decided in favour of the purchaser. Because the purchaser had inherited superior rights from the mortgagee by his purchase, he was able to get possession of the house, as against those who regarded themselves as the owners of the house throughout. There’s a moral there: comply with the Mortgage Deed! Don’t – to take a random example – let the house out in contravention of the Mortgage Deed without the consent of the lender.

There are no devout Muslims in the UK. Only apostates. “Verily, as for those whom the angels take (in death) while they are wronging themselves (as they stayed among the disbelievers even though emigration was obligatory for them), they (angels) say (to them): “In what (condition) were you?” They reply: “We were weak and oppressed on the earth.” They (angels) say: “Was not the earth of Allaah spacious enough for you to emigrate therein?” Such men will find their abode in Hell — what an evil destination!” [al-Nisa’ 4:97]

'Dishonest' teaching assistant who was sacked for 'skiving' off work to go on holiday to Croatia wins sex harassment case after female headteacher said he looked 'fit' in Speedos - but has £9,000 award reduced for conduct https://www.dailymail.co.uk/news/article-13267573/teaching-assistant-sex-harassment-case-female-headteacher-fit-Speedos.html

Putting aside the clumsy to border - one side or another - criminal admin Ive seen in just the one school where I was guvnoring, *THE* biggest abuse in the school is sick leave. In any one year, about 30% of teacher days are lost on made up sick. This isnt spread across teachers- theres a large minority who barely turn up. Sames happens in NHS, for Nursing, ambulance and admi n staff.

Looking bad - and using direct experience of when I was working i nthe South - the lae 90s boom started ~86/87, maybe 87/88 in the North. It was over in 5 years. Average HPE had shift from between 3-4 to ~6-7 in the South. It wasnt that high in the North. Basically, HP went up cos banks were lending more and people were borrowing more. Then the inflation and higher rates came and poof! Basically, anyone whod leveraged up 88 in was in deep sh1t. I remember that houses that sold for 60k-80k (3 br) in 88/89 were being sold for 30k/40k in 93/95 I took til the late 90s before the nominal price was back to where it wa 10years ago. HP had already got slightly out of hand bt 2000 - the combia tion of slashing rates due to the 00s internet bust (remember that?) followed by slashing again due to 9//11 pushed HP into insane levels. All cos CB would be able to steer the economy .... BNy the early 00s HP were so high that IO were the only way people could afford to buy houses. Up goes the HP, reaching new levels - 15+ in London/SE. Of course, they act of financial genius has not gone without other effects. 1, The UK banking system has been destroyed, and with it very limited ability to lend to future eager house buyers - Those rates are not going to clear the houses of all the those who bought pre 200, when they look to cash in equity. They also wont clear all the IO resi + BTL bought from 99-today. So eve got a huge bulge of under 50s, paying high rents to LL with IO mortgages that they cannot pay off. 2. The high housing costs is trashing the economy as more n more move in various inwork support and PT work, and companies cannot recruit people as they cannot afford to relocate. TLDR; it took HPE falling from, 6/7 to just under 3 to clear teh late 80s booms. And it took 5y. This time, the idiots have let the boom last for 24 years, dragging more money as the number of participating i nthe housing shrinks to levels last seen before mass mortgages were available. if London/Se falls to under 3 again then thats a 70%+ fall.

Possible. Ive just been very very overexpose to 4-11 schools. My eldest Maths n Physics teachers both worked outside of teaching for 10y+.

Bank has a charge. Car finance has a charge. You are veering into freeman of the land type fkwittery thinking along those lines. If you havent paid for the house or car then you only own the debt. If you like - You have taken a position on a house or car that will be yours when you pay off the loan. Until then, any concept of 'ownership' is very much a pretend.

Thats limited to headteaching soft skills. You need to chunky bit of finance and law. In terms of secondary recruitment they need to increase pay for STEM teachers - 10k. But we could use a qualification somewhere between, say, A levels maths and a degree for teaching GCSE level - Diploma in GCSE maths teaching A level needs a degree.

This has come up in regards to the NHS. Public sector - school ,hospitals etc etc are medium to large orgs that *DO* need management and oversight. The revenue and money thats goes thru a ~3-11 school of, say, 200, is pretty high. You got ~80+ staff, a capital budget and all the service to manage. Its needs a fair bit of dedication and skill to do. Most school managegent,nt is lousy. A lot seem to totter of one crisis to a scandal. During my guvnoring days there was a lor of gossip of heads suddenly leaving. Ideally there would be a Head qualification that you would need to take, say, when getting promoted to head of year. In terms of jobs and moving around .. most teachers are stuck with being teachers. 80% would take massive hit in pay alone if they left. Check in the pension and extra 5 weeks holiday and they are looking at well over a 50% drop. I had to intervene a couple of times when a few mid career teacher was going to walk out for 'more money'. Retrain as a plumber was popular for a bit - until I pointed out that plumbers dont earn that much. Most teachers dont have STEM qualifications. You only tend to meet those 16+ Atill, there will be a massive oversupply of teachers soon.

Pro footballer then they itll be more. Serious time beyond training -checks, this n that. You are basically never off the clock.

Yes it is. I dont know if theres some UKGIV framework/tickbox but any change in tax or benefits tends to have a at elast 6months of constant ads on the commercial radio stations and newspapers. Seen this with TCs- Have you checked your tax credits? S24 - LL amensty campaigns to cough up n confess. And even pension, which are pretty much every year - Have you checked you state pension entitlements? This is from 2018 - In terms of WASPI wimmin, I was working with a lot of 40+ wimmin when they announced the change. They knew as some were whinging. It wasnt like it was a sudden 60 -> 65 bam! change. It was staged. Where there was an issue was moving from 65 -> 67 in 2010. But blokes had exactly the same

If Drs n Nurses worked for pennies then there be even bigger savings.

https://www.fiercepharma.com/pharma/high-markups-glp-1s-insulin-pens-present-barriers-access-lower-income-countries-report Soooo.. they are campaigning against the high cost of obesity drugs in low income countries..... Jesus. What a bunch iof cretinous Marxist loons.

Any why are they listing France and Italy as countries where tgey operate??

Why doesn't MSF insist healthcare staff take a vow of poverty? https://msf.org.uk/who-we-are?gad_source=1&gclid=CjwKCAjwtqmwBhBVEiwAL-WAYYLCDLu4MnW0UHbMFtztUFwYDwzZNPLnkMeI4-3cQp8b_Sy_0aMpJxoCI28QAvD_BwE Despite the spin n BS on pharma, 70%+ of healthcare costs is Labour.

I think people - and the media - are apply US terms to the remains of the UK class system. In the US you were middle class if you've a salary and healthcare. In the UK it used to mean a professional I,e protected job - Dr, Lawyer, teacher. The rise of finance, then technical jobs outside of law n the public sector, put peoples noses out in terms of social standing and earnings.

Even if the politics of envy don't do for them, then the TPS pension contributions will. Slowly but surely the combined TPS contribution is going to 40%. Private - and public schools are arguing the employer/employee split.