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sticky fingers

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About sticky fingers

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  1. Not seen a house more than 50% overpriced for some time but this one takes the biscuit! http://www.zoopla.co.uk/for-sale/details/26913284?search_identifier=bf7124250dcfd176dc5eee57b6cbf2d4 Now thats a 4 bed, detached, 178 sq Metres internal space. His neighbour however, is a little more realistic and just sold his house at £410 k (sold this week) http://www.zoopla.co.uk/for-sale/details/27786336?search_identifier=bf7124250dcfd176dc5eee57b6cbf2d4 at 173 sq metres internal space its all of 5 m2 smaller! His other neighbour sold his house which is nearly indentical in design and size at 400k in Aug 2011 http://www.rightmove.co.uk/house-prices/detailMatching.html?prop=21046019&sale=23296779&country=england amazing, truly amazing..........
  2. I'm not sure what your point is? If the average person retiring at the age go 65 can expect to live another 20 years, then the real average cost is the annual pension x20 plus any administration costs and an contingency for any increase in life expectancy. The difference between the private sector and public sector is that a public sector pension requires no 'pot' as it is provided through tax receipts and contributions of existing members. An annuity needs the money to be invested, not only to provide the pension but to pay a significant profit to the pension company - the difference in the two amounts you quote largely reflects the annuity provider's profit.
  3. Many of you IT crowd are completely missing the point. You are so off the mark it is staggering. My letters are typed by my secretary. She is infinitely better and more efficient than any voice recognition software, outsourced typing pool, or my own typing skills. She takes all enquiries from patients, other specialists and GPs, making sure I have the relevant documents I need to answer any enquires. She types my letters with an accuracy which has never been matched by any temporary secretary or voice recognition software. In an average clinic (15-20 clinic letters) I estimate I will make approx 2-3 corrections in the whole clinic. If I have a temporary secretary, I will have to make 2-3 corrections per clinic letter, and when I use voice recognition software, I usually make 2-3 corrections per paragraph. Unfortunately the voice recognition software cannot answer enquires from other humans. Computers are an integral part of most doctors lives. Nowadays you cannot even authorise someone's annual leave with a signature- has to be done by computer, all or CPD is recorded and submitted by computer. Just because you can do something by pc however does not mean its the most efficient. An example of this is the hospital where I work have done away with ordering blood tests on forms- in the interest of efficiency. It used to take me about 15 seconds to fill in a blood test form for approx 10 tests.. Now you log in to your pc, find the patient from the drop down list, individually click which tests you need or type them in (if they are uncommon requests) verify the patient no, date of birth, address etc, press print, give the patient the printed label so they can take it to the phlebotomist and have their bloods done. The whole process now takes between 3-5 minutes. It's f..king infuriating. I do private practice. I have pay my secretary 10% of the fee I charge. I know I can get the typing done cheaper or use voice recog software but in my experience its a false economy. I pay her this amount not because i need a typist but because I need a PA. I think she is worth every penny.
  4. Its horses for courses MT. You sound like a single man with no children at the moment - once i was one of those! In those days i too would have found it a little remote, but i assure you that when you have children your outlook completey changes. If you have a family and children, the advantages of these areas totally outweigh the negative aspects. I'm currently renting in the area and find its fantastic if you have (like me) kids, and the 20 min drive to the city centre, 20 min drive to the M4 is a non issue. Firstly, you get your kids into one of the best state schools in Swansea (Bishopston). My little nipper absolutely loves it and whilst there are other good schools in terms of academic results in Swansea, i find the attitude of the teachers and the school in genereal to be outstanding.Like most parents my main priorities and social life now revolves around my children - access to after school activities, beach, safe areas for them to play etc are much more important to me than the extra 10-15 min drive to get to the city centre. That said there are disadvantages- the prices of houses to buy! At the moment most of the stuff in these areas are ridiculously overpriced but even that is no big deal. You can like me afford to wait it out as rental prices are relative cheap compared to asking prices. It does astound me when you see the same house on the market for sale and for rent, and work out how much difference there is. Take this one , on the market for £750 k. http://www.findaproperty.com/for-sale/property-11583295 Now assuming an interest rate of 4%, its gonna cost you 30k a year in interest payments or lost interest i.e £2500 per month. Now you can rent the same house for £1500 per month. http://www.findaproperty.com/to-rent/property-12301280 You feel like asking the estate agent why on earth would but something which is so much cheaper to rent!
  5. check out this one. http://www.findaproperty.com/for-sale/property-12130278 If you were trying to flog this for 1.575 million squid, you might think you would show the best aspects of the house in the pics. check out pics 7 & 8. A picture of a head statue and a pic of a ******ing light fitting. WTF??????
  6. I think this have unintended (or more likely intended) consequences. Lets assume for example that the level of pay that is offered correlates with the quality of staff you will attact staff for a post. Therefore the best Doctors, Teachers, Nurses etc are likely to compete for the posts with the most attractive salaries. Therefore, the best staff will be attracted to and will work in the most affluent areas of the country. Now i sure some tories's will say its quite fair, after all, if you have paid an absolute shed load for your house you have a right to expect that your local school have the best teachers and your local hospital have the best doctors havent you?
  7. It's not possoble to have an intelligent debate with those who know nothing about it. Where you aware that their pension scheme has already been reformed to take account of changing demographics? Hence the new '2008 NHS pension scheme'. The NHS pension scheme has been in surplus ( i.e.the chancellor takes in more in contributions than is paid out) for the last decade. Any future increases in costs are automatically met by the contributors of the scheme rather than the taxpayer. At the end of the day, if someone is going to shaft you again and again, you can just bend over and take it, or do something about it!
  8. F..K me mate! - who is your mortgage with? Please, spill the beans! You have 80k left on your mortgage and the interest is only £600 ! Thats 600/80000 x100% or 0.75%. You have either got a fantastic deal or got your sums wrong. Even if you have a discounted rate, by the time you add the arrangement fees etc the APR is usually much higher!
  9. Well, this explains where most of your private pension goes :- http://www.bbc.co.uk/news/uk-11452857 Pay in 120 k over 40 yrs, nearly 100k goes in fees. Still some in private sector (financial services) are doing very nicely. Stop whining about public sector pensions and start whining about the amount that is being skimmed off your pension every year (if you even know).
  10. Pension ARE paid for- through labour and a certain modest contribution by the employee. Pensions are part of the overall renumeration package which one agrees to when taking up a post. It's no different in the private sector, when you take up a post, you are aware if your post has a pension scheme, how much it costs and what the benefits are. You take all this into consideration, and make an informed decision about whether your renumeration package is good enough or you can get better elsewhere. The fact that many private pension schemes are crap, has more to do with the fact that they one set of private sector workers( the financial services) are continuously ripping off another set of private sector workers in management fees. One could of course that the overall renumeration packages for public sector workers in too generous- fair enough, have that debate but it's a bit disingenous to suggest the the pensions are simply a 'freebie'
  11. Do you not think that if the money markets got a whiff of the suggestion that the uk was going to try monetize it's debt, interest rates for uk debt would go through the roof? And those who feel uk gov controls interest rates it has for borrowing see Italy and Greece. You need a lesson in history, go read up on the history of the reichamark.
  12. It impossible to 'inflate away the debt' without wage inflation. Without wage inflation the debt just becomes progressively more difficult to service. Now, if everyone was getting 5 % per annum pay rises one could argue that the debt is being ' inflated away' .
  13. Nothing wrong with Rotherslade rd- a cracking spot, just that most of the asking prices are mental. When a resonably priced house comes on the market (i.e. the one for 360k), its sold within a few weeks. If however, you over price your house fby 150-200k, you are never gonna sell it in this decade.
  14. Never ceases to amaze me how some vendors think their house must be worth so much more than their neighbours despite hard evidence to the contrary. Couple of examples, take this one:- http://www.findaproperty.com/displayprop.aspx?edid=00&salerent=0&pid=10248469 475k for 3 bed terraced on heneage drive west x!!!! Now i actually viewed this 5 bed detached with double garage in heneage drive http://www.rightmove.co.uk/house-prices/detailMatching.html?prop=21046019&sale=23296779&country=england so this clown thinks his 3 bed terrace is worth 75k more than a 5 bed detached on the same f..king rd!!! total insanity!!! Also viewed this 3/4 bed detached on rotherslade rd, decent size huge garden, 2 mins from beach, needed a little work....maybe 25 k to make it tip top. http://www.zoopla.co.uk/property/19-rotherslade-road/langland/swansea/sa3-4qw/20564535 went for 360k his next door neighbours however think their houses are worth rather more! http://www.findaproperty.com/displayprop.aspx?edid=00&salerent=0&pid=8531926 http://www.rightmove.co.uk/property-for-sale/property-30104326.html
  15. thats modest for swansea prices.........take a peek at this:- http://www.findaproperty.com/displayprop.aspx?edid=00&salerent=0&pid=6757592
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