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Wait & See

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Posts posted by Wait & See

  1. I'm not a troll.

    All that is happening is that Doctors and Teachers and the Police force are making themselves look like idiots who can't think.

    The cupboard is empty because all the money was given to the banks. There is none left for public sector pay and pensions.

    That's it. End of discussion.

    Who you blame for this is you business, but moaning about it isn't going to change the facts.

  2. Wrong. Wrong.

    You seem to have problems with reality though.

    You are either thick or mental or a mix of the two.

    Why drop "scum" from the title?

    I didn't. HPC dropped it for me. They probably thought it might look bad for them if they kept it on. Sad really.

    I'm not thick or mental, but there are too many deluded idiots in this country who think that the world owes them a living and most work in the public sector.

    I think they have missed the small problem of the country being just about bankrupt. No one cares whether doctors or teachers get their pensions. Thats a total irrelevance when whole countries are going to the wall.

  3. You're just bitter Doctors can't fix your retardness.

    Wrong, I'm just sick of a*seholes going into careers because of a pension, rather than because they actually want to do the f*cking job.

    Teaching is full of these type of efforts too. Let's see them all get the same salary and conditions in the private sector or, lets see tham set up a business and work for themselves.

    Most are just useless. That's why they moan about pensions. If they don't like it, they can f*ck off and do something else.

  4. Because i know how hard doctors and other NHS staff work in crap conditions. The NHS pension is the last remaining incentive to become a doctor. Without it our profession in this country will die a slow death. I shall certainly be actively discouraging my 2 daughters from pursuing medicine.

    I'm sure there will still be plenty of people who want to go into medicine because they actually want to help people rather than for the pension.

    Too many people a fixated with pensions these days. Try saving a few bob and investing it yourself, rather than waiting for a handout from the state. The middle classes love to spend all their salaries every month trying to be liked, rather than making the cash they earn work for them.

    If you want to make proper cash, go and work in the city. If you want to help people, become a doctor.

  5. I fully intend to. I'll be a consultant in 4 years, I'll give it a few years to develop my private practice (plenty to go round in the Bath/Bristol area) and then wave bye bye to the NHS. My pay will be significantly higher for less work and anti-social hours, and I'll invest the surplus into a few things (maybe a few BTL). Sadly for the taxpayer, you'll have got very little value from the cost of my training.

    Good plan, so why do you give a toss whether the government takes back some of the cash that it can't afford to pay anyway.

    You'll be long gone.

    IMO, most public sector workers will be lucky to get any pension when the time comes.

    The UK will go down the tubes, just like the PIGS.

    The moneys all been used to bail out the banks and keep the property bubble afloat. Nothing left for pensions or anything else for that matter.

    Blame the banks and the f*cking idiots who participated in the housing bubble.

  6. Wow, serious anger issues here. As previously discussed, doctors contribute more into their pensions than any other public sector workers except police (who retire much earlier). Thus the taxpayer funds less of our pension than civil servants, teachers, MP's etc.

    Let's take your figures.

    £100k per year. This will yield a £50k per year pension at the end.

    12.5% contributions over 30 years is a pot of £375k.

    If we take retirement age of 65 and life expectancy of 80 it gives 25k per year from the employee contributions alone.

    If the government used any reasonable investment vehicle they would have to contribute very little… and that is the current system. If the new changes get passed you'll probably get your wish and doctors will opt out of the NHS pension and the taxpayer will be left with the ridiculously underfunded civil service, military and education pensions.

    However, there will be side effects. The surplus that the NHS pensions provides will be lost, there will be nothing at all keeping UK doctors in the NHS (many will quit for foreign climbs and others will go into the private sector part time for more money - taking their tax-payer funded million pound training with them), and there will be doctors will money burning a hole in their pockets looking for an investment vehicle….. like BTL ;.-).

    Exactly, why don't you just come out of the pension scheme altogether and invest the contibutions yourself.

    You must know that the government and country are bankrupt. Why pay money into a system like that?

    You might as well just burn the cash.

  7. So why has the government chosen to increase doctors contribution s further, rather than bringing up other public sector pensions to our level?

    1. We are seen as easy targets.

    2. We have been subjected to a number of significant changes to pay, conditions and training over the last decade. All with a negative impact on us, and we've bent over and taken it without a fuss.

    3. The public have been successfully brainwashed into thinking we all earn £200k.

    4. The BMA is a poorly run union.

    Anyone who earns between 80 and 120k a year for most of their working life shouldn't then be requiring the taxpayer to foot most of the bill for their retirement imo.

    Have you ever heard of saving and investing ffs. What the hell do you do with all that cash each year?

    Most want to live the good life and then when retirement comes, it's someone elses responsibilty to pay for it.

    Like I said, disgusting behaviour from a bunch of children kidding on that they are educated and mature.

  8. Agreed, the others should also be paying 14%.

    Still one step at a time.

    Agree, who the hell says that any public sector leech should be entitled to anything better than someone who works all their life in the private sector.

    It makes me sick to see these self centered doctors showing their true colours. Truely disgusting imo.

  9. Dirty moneygrabbing b4stards. Of what I've heard today, I wouldn't scrape most doctors off the sole of my shoe.

    F*cking trash, the lot of them.

    Anyone who earns 120k a year for 30 years and then has to rely on another handout from the state is totally feckless with money imo. Laughable tbh.

    This debacle has been utterly disgraceful imo. Sack the lot of them.

  10. Shame they are still down on last year by -0.7 and on last quarter -0.9%....I think we are still f***ked. :lol:

    Maybe all them people that weren't out buying anything cause they have no money were out buying massively over priced houses in the hope of making a fortune.

    Most people don't have any skills or talent, so property is the game for them. They get a liar loan and then wait a year and sell for 100% profit..... :lol:

    Not anymore though, as property is one sure way to throw all your cash on a fooking bonfire these days.

  11. 95% of western populations might as well just go bankrupt because they are the cannon fodder for the small percent that have assets.

    Most thick b4stards have no capital and will be rung out over the coming years. They wanted that liar loan so fook them.

    I'll be happy to see the feckless w4nkers on the street just to teach them a lesson about finance.

    No one was ever wealthy by borrowing money, as just about everyone is about to find out. :rolleyes:

  12. You need to remember that if you have to work, as thats the only income you have, the system has you by the balls. The bank love poor people (anyone who has to work) as they need to borrow money to buy houses, cars, clothes etc.

    95% of the popultion are just poor serfs, same as it ever was.

    I get tired of people trying to pretend that things are better these days than 100 years ago. They aren't.

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