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House Price Crash Forum


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About houses-do-my-head-in

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  1. maternity/paternity cover is an absolute joke. so many are off. cover teachers, supply left right and centre due to it... a real problem. A parent once laughed when I rang home about Jonnys behaviour... my reply. " well that says it all".... mum" what did you mean by that"? me " you figure it out" mum " I will complain" me "no problem, do you want me to put you through to the head?" then fact that society is so fkd means that teachers need lots more support, backing, power in school as parents are clearly inept... I mean they blame obesity on Mcdonalds adverts FFS, rather than accept that they are useless and should actually use the cooker and buy cabbages.
  2. now googling "ubering"-----------------------------> I have always been flexible and have always found my own way to be good at whatever I do....but I have to say...teaching is by far the most demanding job I have ever had. In a run of the mill school it is a death sentence. It took me less than a month to pick most locks, strip, replace and solve on the job problems....it took me 18 months in the classroom before I would describe myself as good, and another 2 years before I would describe myself as an awesome teacher. It is such a difficult and tiring job. Seriously, in a run of the mill school teaching 20 lessons a week I would only do it for £80k a year. and then I wouldn't last longer than 10 years max. holidays mean nothing. I am not grateful for them whatsoever. god help the poor souls in inner city shit holes. I am not biased, I speak the truth.
  3. Rather than back a useless militant union I actually like the fact teachers are voting with their feet. freedom of choice rather than group force. When moronic parents who barely do the token gesture of 16 hours a week in tesco to kick in the tax credits have the cheek to whine about teachers getting holiday, you don't need to respond. it's freedom of choice in action. either help us or find someone whos better.....I can make alot more money doing 2 lock changes a day than I do from teaching little jonny. now it seems it's a recruitment AND retention problem. what is needed. pay more, more power to exclude teach less (3 lessons a day) more one to one time for quality feedback with students where you actually have a conversation with them....wow what a radical idea. the best system I stumbled upon was marking work with the student sat at the side of you. you talk them through your though process as you read it. based on that conversation they then think of how they could improve and set targets and explain to you how they will do those next time. 5 minutes per kid......is that impossible to organise? well yes it is actually when you have 34 in a class.lol. scrap pensions fewer holidays get rid of levelling completely. teachers fudge them anyway to keep the gestapo away. I actually laugh when parents say that jonny is doing well as he is in year 6 and is a level 5.....so when jonny comes to me in year 7 why can't he string a sentence together, doesn't start sentences with a capital letter and has the attention span of a fly? reduce workload by creating a national bank of lessons for different abilities that are optional of teachers want to use them, that are designed by the right people. this avoids militant unions opposing virtually anything. the planning is ridiculous if you are actually bothered about the quality of lessons you teach. my grammar is appaling cuz it's the holidays bruv
  4. my reasons for not applying for teaching jobs. 1. shit school 2. stress due to point 1 above 3. workload due to school being a grade 2 despite the fact that it really isn't. more box ticking, more lesson obs gestapo that are in SMT because they are useless teachers. 4. commute 5. turn down job after interview due to a head on £80k a year having the cheek to offer me M3 payband. the paybands are ludicrous. a paltry 23k or whatever paltry wage you start on. rising to 36k which I am not exactly grateful for tbh. I worked 6 days a week in a management role (successful) but jacked due to wanting a life. teaching makes that look like a part time jolly. now I have 3 jobs. teach 3 days a week, locksmith, sales, help my mate as a builder. teaching just 20 lessons a week is a sure fire way to an early death
  5. my advice is look for niches. old people are trustworthy. if you have a background in sales then main dealer car salesperson fits the bill if you can cope with 60 hour weeks. some of the best salespeople i know were elderly and semi retired in their late 50s or even 60s. i am a currently a teacher and was in the motor trade, when i can't hack the classroom anymore I will go back into car sales. good money too. £30k-£40k plus company car...sure beats the part time minimum wage B and Q Saturday number. other strategy is to learn a skill on the side now. I used to be a locksmith but went into teaching 5 years ago. I still get refferals and people I know ringing me 5 years later asking me if I can fix their seized UPVC door. a neighbour of mine who's well into his 70s does gardening for cash in hand. another bloke on my street valets peoples cars for £10 a time. he must do between 1 and 2 everyday and that is just from ONE street, maybe we just need to think more creatively about how to use our skillsets rather than rely on companies to provide us with a "job". plus, more favours get done on my street and no tax man is involved...hurrah!
  6. I was saying the same thing in the staffroom the other day. they lost so think they have to change tack. if they had any principals at all they would stick with them if they truly believed in them. they just want power to feather their nests. but then it got me thinking....how many labour candidates actually thought about what they believe in at all. or do they just follow the camp/gang mentality.thats a problem too. a parliament of independents would produce far fairer results and genuine debate rather than "you did this" and "its your fault" squabbling i honestly think many MP's have no clue about the real problems or solutions and just blindly follow party lines. what i want to know is who actually sets the party lines?
  7. mods please move after a while i have a big decision to make and im hoping that you people (who are the smartest i know- in general) can help me. heres my situation graduated 2004- £14k student loans. paid literally zero back since 2004 despite notifying them i was earning!!! **** up at there end. at 27 went into teaching. now 32 and part time on 0.7 4 days a week. mrs works full time and is happy on £20k i choose teaching as its someting i enjoy and my work life balance could not be better. contacts mean i could easily earn £35k plus at the drop of a hat for 60hours/week plus but i choose not to. im a qualified locksmith, and a an awesome salesperson to the extent i have people chasing me 5 years after i have retired form sales! im quite happy on 4days a week plus other little earners on the "side" i enjoy my job and have never been happier. feb 2014 bought a monster bargain of a house. £58k house in South yorks. currently £10k in to renovation and another £10k to find. mortgage is £450 a month on a 7 year fix. overpaying and should be paid off in another 11 years by the time im 42 :-) im quite happy to live in this house until my dying days (nice area, quiet, good schools, big enough for 2 kids) the decision i have is about retirement plans and the TPS. 8.6% gross contributions if i join. my HR person is useless when it comes to the detail,, as is the TPS website. i have opted out so far. i do not intend to be in a classroom past the age of 60 at the latest which means if i enter now i will have around 20 years paid in to the TPS. for full pension i believe you need 40 years of accruals. however if you draw your pension before 65 you lose 5% for every year that you take it earlier so if you take at 60 you lose 25%!!! in reality i would stop teaching at 60 and then do something else for 5 years. claim pension at 65. is anyone bright enough to calculate the amount I would pay in. and how long i would need to live for for me to break even, what i dont want is for people to compare the TPS to a private pension. private pensions are shite....just because the TPS is better doesnt mean to say it is worth joining. so please dont tell me that the TPS is worth joining as its one of the best pensions out there.its like comparing measles to genital warts...i want neither plus there is the added factor that i dont believe i will get what is promised. inflation, extending retirement age and i believe that the state pension will eventually get means tested meaning that private pensions holders will get fk all. i follow 2 mottos in life 1. if the gubbermint tells you to do one thing.....do the opposite 2. if you have nothing you get something, and if you have something you get nothing anybody understand the nitty gritty of how it would look because even the HR goon doesnt have a scooby doo when i started asking probing questions thanks
  8. it might seem unglamourous but far better value to be had on outskirts of Rotherham. no traffic too. motorways on 3 sides. so much better value if you know where to look
  9. dontbelievesheeple has posted saying OP should declare bankrupt and hand in the keys. didn't get a good response for probably offering the most sensible solution of the lot! lol
  10. in my town rotherham it seems to be a 2 tier market. sought after as a home market vs slumhole to rent out market. anybody who wants to buy in nice areas for around £100-£170k have to pay or sellers will hold on. supply and demand i guess desperation for slumlords who want out between £35k!!! shilholes! -£90k. i bought a lovely end terrace on a very well to do street with big garden for £58k 18 months ago. i couldn't believe my luck tbh that nobody else had seen the value as a home to live in. it was not suitable for rent as it was a wreck and i was competing against lazy landlords who just considered yield. needed £15k spending on it so i can see most of them just spending £55k on a hole to rent out in an EU outpost part of town.
  11. now I am feeling smart for getting a 7 year fix at 4.69% 18 months ago. i knew i had done the right thing when the mortgage dude in the bank treat me like a 3rd class citizen the minute he realised i had a 7 year fix on a 13 year mortgage, the tone in his voice switched so bluntly it was hilarious no fees for you leeches every 2/3 years.muhuhahahahaha
  12. No, but the third from OU would make them more unemployable in the private sector. I have met and coached a 19 yr old TA who was just fresh out of alevels himself. he started in my lessons and then did the odd bit of cover work. gradually bit by bot he proved himself and I can honestly say 18 months later he is a better teacher than some who have been in the job years. He is on a teacher contract, marks, plans, does parents evenings etc. If I was a parent I would be more than happy to let him teach my kids. and that lies the problems with all these "entitled", "lazy" , never had a proper job stereotyping of teachers. Sure some ARE crap and are a disgrace to the profession...I have seen them with my own eyes and the unions will defend them to the hilt. They are normally paid more and have gone through all the pay bands etc. BUT there are teachers that are awesome, work their arses off, go above and beyond what any reasonable person should expect of them, and it often goes un-noticed and unrewarded. Then someone who hasn't got a clue about the hours they work say they should be made to cover other staff lessons, break duties, no PPA time etc which means they take even MORE work home. tbh anyone with this opinion are clueless and can go and **** themselves. In the pub I actually enjoy trolling these types by thanking them for paying for my holidays, whilst I have a swift pint and talk about how a vote for labour is a vote for the lazy and feckless. The landlady has got in on the act recently It's exactly the same as the private sector (and I have alot of experience of this FWIW)- there are good, bad, lazy, hardworking people in all professions. Teaching is no different. so by all means scrap the pension, get rid of the automatic/rigid payscales to pay good teachers a kings ransom and get rid of the liabilities that shouldn't be in a classroom. BUT FFS, give them enough TIME to do the job properly.
  13. better than most is not good enough for me I am afraid....opted out of the workplace pensions extra tax scam. I will focus my efforts on paying down debt, enjoying life and having as much of my wealth as humanly possible out of the bank and off the grid. if the taxman finds it then good luck to him
  14. IF i knew the current terms would not be changed then I would be 50/50. However I trust no gubbermint and it's a certainty the pension I would end up with would be even worse than the one I would currently be signing up to. It's a risk I am prepared to take. I would rather live a less comfortable retirement with whatever I can claim from the state rather than get shafted when they change the goal posts. any wealth I have will be off the grid and in assets I can stick in a safe. If I can't beat the benefits mob that can't be bothered to do anything other than breed......then I will join them. the government have the power to set the rules of the game, I just adjust my strategy accordingly
  15. no I plan on retiring from TEACHING at 60. I will do something else after that. No way a teacher can be effective in some schools into their 60's. I'm anything but entitled...I am the type that tells teachers that their pensions are immoral in the staff room, and that they shouldn't exist. I am obviously very popular!
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