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About jpj

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  1. Agreed. Think this is a good idea (have done the same). Student loan goes up by inflation (x) every year, index linked bond goes up by inflation plus the bonus (x +1% every year). Only if you have high spike in inflation when the interest rate for the next year is set (March?), and then deflation for the rest of year, you might loose out. However, there is actually some protection against this aswell. The interest on student loan increases by either the rate of inflation OR BOE base rate + 1%, whichever is the LOWER. So under the event that IR's don't move, the most you would pay is 1.5%.
  2. Bill Rammells (department of State for lifelong learnings reply) http://www.timesonline.co.uk/tol/comment/l...icle4379833.ece
  3. I know slightly off-topic, but this usually gets a lot of interest on this site! http://www.timesonline.co.uk/tol/news/uk/e...icle4369021.ece "Students are running up substantial debts but earning less than they expect on graduating, research indicates. The authors of a report say that government ambitions to push half of all school-leavers into higher education could be to blame for the mismatch between expectations and reality. On average, students misjudge their starting salaries by more than £2,000" Perhaps better access to information regarding starting salaries after university is the key? JP
  4. Perhaps something to suggest why students will be willing to take on a large amount of debt. http://www.iza.org/conference_files/SUMS20...errim_j4330.pdf They have unrealistic wage expectations!
  5. ChiChi (or anyone else) do you have any more info on this or where i could find out more? Im currently researching students' wage expectations and whether they are realistic, hence something like this would be gold!
  6. Take a look here. A very good source from the IFS (includes the use of equivalence sacles for household size aswell) http://www.ifs.org.uk/wheredoyoufitin/
  7. http://www.dailyecho.co.uk/display.var.185...rthern_rock.php
  8. HOw about Savills? Thy have taken an absolute battering over the past few months! http://ir.savills.com/savills/shareinfo/sharechart/
  9. "id wager i know a lot more than you" Cells, Are you not the guy with a background in Physics and not in economics?
  10. http://newsvote.bbc.co.uk/1/hi/business/6988664.stm Sorry if already posted. Just taking an extract.... "The average weekly rent for a flat in London is now £525 a week, with £215 a week being charged in the South East and £150 in the rest of the UK" So the average rent for a flat in London is around £500 a week, meaning over £25,000 a year? Seems a little high for me, esp as this is meant to be the "average".
  11. Hi all, My landlord is trying to hold some of my deposit. I know about the new central deposit scheme that was brought in April. However i paid my deposit back last July( when my contract started). Does anyone know if the landlord should be keeeping that money in a central depsoit, or is it just for new deposits collected after April ths year? Many thanks for any advice!
  12. Sorry forgot to include this one! BSc (Hons) Property Development - Full Time http://www.solent.ac.uk/courses/undergradu...se_details.aspx Just to get people going!
  13. As a Southampton Uni student, i can't resist the the Solent bashing! Here are some of the course highlights: BA (Hons) Football Studies - Full Time http://www.solent.ac.uk/courses/undergradu...se_details.aspx BA (Hons) Comedy - Writing and Performance - Full Time http://www.solent.ac.uk/courses/undergradu...se_details.aspx BA (Hons) Outdoor Adventure Management - Full Time http://www.solent.ac.uk/courses/undergradu...se_details.aspx BA (Hons) Make Up and Hair Design for Music, Film and Photography - Full Time http://www.solent.ac.uk/courses/undergradu...se_details.aspx And the entry requirements: a combined qualification score of 40 points on the UCAS Tariff to include one 6-unit A Level or two 3-unit awards and 4 passes at Grade C (Point 7) or above, including English and Mathematics. (Key Skills Level 2 or above may be acceptable in place of GCSE passes in English and Mathematics) For those not in the know, this means 1 E grade at Alevel or 2 E's at AS! And you guys say some degrees are worthless!
  14. http://money.uk.msn.com/student/fundingand...umentid=5281595 Another interesting piece above-echoing what is often said on here!
  15. I was in a similar position a year ago. I had to decide between going on to do a PhD in economics/social statistics or to take a job I had been offered to become an actuary (a careers that pays extremely well). In the end I chose to do the PhD and go into research, and have not regretted a think. If you’re really interested in doing research, a PhD in Physics maybe an option. Take a look at the link for funding sources: http://www.epsrc.ac.uk/PostgraduateTraining/default.htm I think they pay you around 13K a year tax free, so although not amazing pay its not awful. In the end of the day if you decided afterwards that you would prefer investment banking, I believe they quite like taking people who have a PhD in physics. The link below shows some jobs and physics comes up quite a bit! http://www.canarywharfjobs.com/cands/jobse...mp;SortDir=DESC
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