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SillyBilly

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About SillyBilly

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  1. SillyBilly

    Unemployment: Fact or Fiction?

    The job over spec isn't unique to IT in my experience, I have posted in off-topic about increasingly ridiculous job descriptions. Even reading job specs for a 1/3 to 1/2 my salary asking for seemingly prime ministerial qualities and commitment. A definite trend in the last 5 years as well to having a very specialist degree within the discipline with many now doing this as post-grads with an existing degree already. Having 10+ years experience doing the job every day and a strong degree in maths, science etc. no longer guaranteed to cut it. This need for more "paper" qualifications at great personal expenditure while wages trend down is a worrying sign. First it was one degree, perhaps multiple will become the norm. Drown in student debt your whole life to do a job somebody did from 1960-1990 with no need for one...And lets face it, so much of work these days is absolute BS, I suppose you need a qualification to get your head around deciphering it.
  2. I read Armstrong for years (still do occasionally, mostly as a an interest to see how bad grammar and spelling can get before text becomes illegible). Not a single prediction is provided for without a conditional verb. Precious metals you'd be better flipping a coin to buy or not to buy based on Armstrong's work. How anyone takes it seriously I do wonder!
  3. Agreed. I used to avoid car washes as I didn't want to support that sort of low paid (and I suspect in many cases illegal) work. But then I had to call in one and had my car blitzed in 10-15 minutes (inside and out) and looked great = converted. The days of spending half a weekend morning cleaning the car are over...simple case of valuing the time gained back more than the cost. Do feel somewhat guilty at times but feeling soon passes!
  4. SillyBilly

    House Prices vs Salaries

    Nobody who does a full time job is being subsidised in my view, poor taste to look at it any other way. Just because many are paid a pittance doesn't make their work any less important. I suspect I'd be sacked from picking cabbages within the hour yet I'm probably paid 6+times what these people earn pro-rata. Those that are being subsidised are those who work a fraction of the time others do and yet get the state to top them up to the same level or higher than those who work full time. No real issue with those who don't wish to work full time, if you can afford to (and not have to rely on the state) then that is a lifestyle choice (one I wouldn't mind being able to do myself!). If you're gaming a broken system then I cant blame you either but at the same time you must accept the label of being carried by the rest of us.
  5. SillyBilly

    Inspections

    At the moment I am both a renter and a owner, I bought a house in the Midlands recently but still retained the flat I was renting in the South East - I stay there a few nights a week when working in Reading. After some advice about how I knock back an inspection as being unjustifed (or perhaps I'm wrong and it is). I have had an e-mail from the LA today that I am getting another inspection next Tuesday after a failure to respond to the issues from the last inspection (a few weeks ago). I must admit I am very uncomfortable with inspections anyway as I don't like people having access to my property while I am out - I have valuables in there and no idea who is coming in. The issue is that for several inspections in a row I have refused to engage a "handyman" to repair a wardrobe where the doors have fallen off. Out of principle I've taken to ignoring the last couple of attempts to get me to sort it, not even an acknowledgement as I've said my peice before. The thing is not fit for firewood. Decades old cheap plywood thing. 3 out of 4 doors have fallen off from just opening the thing! It isn't worth a pound so why should I pay £50-100 to repair it? Doesn't there come a point when the owner considers the useful life of something is up and it is time to replace? The other issue is the oven - I need to clean it...I've never used the thing in 3,5 years because it was in a disgusting state when I arrived. I bought a halogen oven when I moved in and never opened the thing since! The final issue is that I have been recommended to get a carpet cleaned due to it being "dirty". Anybody who knows me will attest to how I am very particular about being tidy, clean and neat and I feel really insulted by this as if its a reflection on me. Again the carpet looks "original", I hoover it but you can't polish a turd, the thing needs replacing. I tolerate the flat as its cheap (for the area) and generally just about acceptable to crash at night, I'd not even mind paying quite abit more if the owner was to put their hand in their pocket. The place has not had a penny spent on it since I've been in and doesn't look like it has been touched way before that. Anyone got similar experiences?
  6. Astonishing isn't it. I'm one of these overpaid pen pushers but happy to admit (privately at least) it is a load of BS. I used to care about making a difference, now just cash the pay cheques and play the game. Milk it for what you can before the ship goes down!
  7. SillyBilly

    everywhere is absolutely dead

    Exactly. Tesco is my local petrol station, whack it on my Tesco C/C and pay it off and get a "free" RAC membership each year and some bread and milk vouchers every now and again. I mostly travel to Scandanavian countries which seem to be increasingly cashless, haven't bothered with any foreign currency on last few trips, all on the post office C/C.
  8. SillyBilly

    everywhere is absolutely dead

    I never carry cash these days and out of laziness tend to avoid places that would be cash only or broken card readers etc. The change from notes usually ends up under the car seat or somewhere else. Although sceptical at first Contactless is pretty much all of my non-DD spending now, so much so I have to think to remember the pin! And that is a debit card too. I think a lot of others are the same now.
  9. Jacking up interest rates to 5%+ overnight would be worth far more than £10k to young people. 10k is a lot of money when you have to earn it (most of us will know this on here I suspect) but its sweet FA in the fairly land of Britain's equity gazillionaires. Would be a pacifying gesture which means nothing, the house they'd be buying would just go up by 10k as a result and then Theresa May will give her annual soundbite of how the Tories are tackling the crisis, with some recent debt slave propping up the performance showing off the keys to their new prison cell.
  10. Such a vital lesson to teach and to learn. Someone with nothing to lose is far more dangerous than a big strapping bloke who can handle himself. Sometimes pride suffers but best to walk away, never know if the scrotes are armed or not.
  11. When I consider quality of a house it includes the overall size, general proportions of rooms, height of ceilings, plot of land, garden privacy, parking provision, housing density and local amenities. When all of that is inferior to say a 1960s builds the integrity of a building itself is almost secondary, I simply wouldn't want to live in a new build. I do think new builds of the last 10 years or so are going to be very poor investments long term.
  12. I don't back the state to make second generation Somalians our GDP saviour. Call me a pessimist but the cultural upbringing they get within the confines of their own home accounts for a lot too. So it comes back to not just being a numbers thing but the quality of those arriving, their skills and the values they'll pass to their children.
  13. Nothing would be a very good start.
  14. SillyBilly

    Land Registry - Jan 2018 = -0.5%

    In the East Midlands I am seeing higher and higher list prices (albeit no actual data to back this up) but not much shifting (same crap on the market still). I think the EM was the most buoyant region last year so sellers/estate agents a little giddy still. A few reductions filtering through but it is only £10-15k off what was ludicrously priced beforehand (and largely still not shifting). We need some actual black swan event.
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