pobby Posted January 15, 2007 Share Posted January 15, 2007 Just come off the MSE site.It really seems to me that more people are posting about serious debt.Topics are being raised about home repros.Seems to me that the whole debt thing is starting to unravel at an alarming rate of speed. Quote Link to comment Share on other sites More sharing options...
the end is a bit nigher Posted January 15, 2007 Share Posted January 15, 2007 Seems to me that the whole debt thing is starting to unravel at an alarming pleasing rate of speed. Quote Link to comment Share on other sites More sharing options...
Wannabe Posted January 15, 2007 Share Posted January 15, 2007 Don't know whether to laugh or cry...... http://forums.moneysavingexpert.com/showthread.html?t=350453 ...answers on a postcard please... Quote Link to comment Share on other sites More sharing options...
Nick.. Posted January 15, 2007 Share Posted January 15, 2007 another forum to monitor from time to time....www.debtquestions.co.uk Quote Link to comment Share on other sites More sharing options...
pobby Posted January 15, 2007 Author Share Posted January 15, 2007 Don't know whether to laugh or cry......http://forums.moneysavingexpert.com/showthread.html?t=350453 ...answers on a postcard please... Unbelievable!!!!!!!!!!!!!!!!!!!!!!!! Quote Link to comment Share on other sites More sharing options...
Harry Sacks Posted January 15, 2007 Share Posted January 15, 2007 I'm looking to get a mortgage of £150k to buy an apartment but I am only on a salary of £15k pa as I am still a student doing my degree part-time. What's the crack with thickos and degrees? Just devalues degrees in general really. Quote Link to comment Share on other sites More sharing options...
markkow Posted January 15, 2007 Share Posted January 15, 2007 Don't know whether to laugh or cry......http://forums.moneysavingexpert.com/showthread.html?t=350453 ...answers on a postcard please... Surely that's a wind up by the original poster? Or are there really people that desperate? Quote Link to comment Share on other sites More sharing options...
Nick.. Posted January 15, 2007 Share Posted January 15, 2007 What's the crack with thickos and degrees?Just devalues degrees in general really. Degree counts for naff all these days IMO, I've seen some shockingly ill-equipped graduates, miles behind those of similar age who worked during that period Quote Link to comment Share on other sites More sharing options...
underpressuretobuy Posted January 15, 2007 Share Posted January 15, 2007 Don't know whether to laugh or cry......http://forums.moneysavingexpert.com/showthread.html?t=350453 ...answers on a postcard please... This quote is unbelievable: Perhaps by having my parents guarantor the mortgage? They have over 100k equity/collateral now on their house Cheeky cow! I can't believe that anyone would seriously consider going after 100% of the equity in their parent's home! Mind you not half so amazing as the fact that no one has given her the simple answer to her question: Any way to get a £150k mortgage on low salary? - No! Quote Link to comment Share on other sites More sharing options...
MarkG Posted January 15, 2007 Share Posted January 15, 2007 Come on, it's only 10x their income, and prices will double in the 2-4 years before they sell, so it's a sure winner. Quote Link to comment Share on other sites More sharing options...
peemac Posted January 15, 2007 Share Posted January 15, 2007 (edited) Degree counts for naff all these days IMO, I've seen some shockingly ill-equipped graduates, miles behind those of similar age who worked during that period Not this old chestnut again. I've seen some shockingly ill-equipped people who never went to university. Studied at the univerisity of life apparently. Which they seem to think somehow makes it alright. And besides it's not how far behind they are when they start it's how far in front they are when they finished, not many non-graduate CEO's these days. On topic, the guy is obviously a wind-up merchant or a loon. Not worth worrying about as he's plainly never going to acquire that sum on £15k anyway. I'm more worried about the people who CAN afford it short term, either as OO or BTL but will come hopelessly unstuck if interest rates rise and/or they don't get good capital appreciation. These are the kind of people who are driving the market ever upwards. Edited January 15, 2007 by peemac Quote Link to comment Share on other sites More sharing options...
OnlyMe Posted January 15, 2007 Share Posted January 15, 2007 The mind boggles. http://forums.moneysavingexpert.com/showthread.html?t=349034 Quote Link to comment Share on other sites More sharing options...
Ex-Overseas Landlord Posted January 15, 2007 Share Posted January 15, 2007 This is the line that tickled me! I'm majoring in Artificial Intelligence... Quote Link to comment Share on other sites More sharing options...
Levy process Posted January 15, 2007 Share Posted January 15, 2007 (edited) Degree counts for naff all these days IMO, I've seen some shockingly ill-equipped graduates, miles behind those of similar age who worked during that period I think there is an enormous amount of ignorance of what a degree actually is in this country. There are no standardised degress in the UK. The quality of the degree varies from university to university. While some people know this fact, a lot of other people try very loudly to deny it, because they want to defend the quality of their inferior degree. Get over it: Degrees are not all the same. And they are not going to be for the foreseeable either, because there are no proposals for an overarching standards system to normalise them. Top employers know that degrees are not equal, and many now operate a "white list" policy, only considering applications from a small subset of universities in the UK (Oxbridge etc.) On the other hand, phrases like "shockingly ill-equipped graduates" and comparisons of fresh graduates in the work place with people who have several years work experience are fatuous. Universities are not work training courses. People learn skills other than those directly applicable to the daily reality of working for an employer. That doesn't mean that they are not worth employing, because they have knowledge, and have proved an ability (assuming the degree is from the top tier of universities of course) above and beyond the normal. This will be valuable to the employer once the workplace skills have been layered on top. That's why employers traditionally sought out graduates. In my experience, a lot of people who have a downer on graduates (as compared to non graduates) either: Don't understand that universities vary widely, that degree quality varies just as widely, and they may be talking about graduates from the least regarded places, which may very well be amongst the poorest candidates, and therefore people less able than the top non-graduates. And/Or Don't actually require graduate level skills in their employees, and therefore would often be better off not considering them, because they would bring apptitudes and skills that are of no use to the employer's routine business, at the expense of lacking daily skills which are required. (PS forgot - also And/Or Don't have a degree, or have the Desmond and a bit of a chip) Edited January 15, 2007 by Levy process Quote Link to comment Share on other sites More sharing options...
OzzMosiz Posted January 15, 2007 Share Posted January 15, 2007 Studying in Artificial Intelligence. She got that right! Numpty!!! Quote Link to comment Share on other sites More sharing options...
Levy process Posted January 15, 2007 Share Posted January 15, 2007 (edited) Deleted. Edited January 15, 2007 by Levy process Quote Link to comment Share on other sites More sharing options...
Red Baron Posted January 15, 2007 Share Posted January 15, 2007 (edited) But she does plan to buy in a 'sort after' area. If this is the standard of literacy we can expect from the average MSc candidate, is it any wonder that a degree no longer commands much respect? From my own experience in industry I can confirm that the 'White List' does exist and is generally interpreted as the 19 universities which comprise the Russell Group - Oxbridge, Imperial, LSE, Bristol, Manchester etc. Edited January 15, 2007 by Red Baron Quote Link to comment Share on other sites More sharing options...
Willy Weasel Posted January 15, 2007 Share Posted January 15, 2007 But she does plan to buy in a 'sort after' area.If this is the standard of literacy we can expect from the average MSc candidate, is it any wonder that a degree no longer commands much respect? Without any disrespect meant to any individual poster on here, the standard of spelling, grammar and punctuation on here are depressingly poor (I know this is an internet forum but bad spelling is still bad spelling wherever it's done). Quote Link to comment Share on other sites More sharing options...
Wannabe Posted January 15, 2007 Share Posted January 15, 2007 Without any disrespect meant to any individual poster on here, the standardof spelling, grammar and punctuation on here are depressingly poor (I know this is an internet forum but bad spelling is still bad spelling wherever it's done). C-...see me after school... Quote Link to comment Share on other sites More sharing options...
RichB Posted January 15, 2007 Share Posted January 15, 2007 I have been moaning about standards declining even in the broadsheets. Looks like proofreading has been abandoned in favour of spell chequers... Quote Link to comment Share on other sites More sharing options...
Wannabe Posted January 15, 2007 Share Posted January 15, 2007 I have been moaning about standards declining even in the broadsheets. Looks like proofreading has been abandoned in favour of spell chequers... ...sorry, couldn't resist it again... You throw 'em, I'll catch 'em Quote Link to comment Share on other sites More sharing options...
frugalista Posted January 15, 2007 Share Posted January 15, 2007 Studying in Artificial Intelligence. She got that right! Numpty!!! I did AI as a first degree and now I am on about £75k p.a. Mind you I did graduate about 10 years ago. frug. Quote Link to comment Share on other sites More sharing options...
peemac Posted January 15, 2007 Share Posted January 15, 2007 But she does plan to buy in a 'sort after' area.If this is the standard of literacy we can expect from the average MSc candidate, is it any wonder that a degree no longer commands much respect? From my own experience in industry I can confirm that the 'White List' does exist and is generally interpreted as the 19 universities which comprise the Russell Group - Oxbridge, Imperial, LSE, Bristol, Manchester etc. There's actually 20 universities in the Russell group, all good institutions. Although the top university for graduate employment isn't part of it. Quote Link to comment Share on other sites More sharing options...
frugalista Posted January 15, 2007 Share Posted January 15, 2007 But she does plan to buy in a 'sort after' area.If this is the standard of literacy we can expect from the average MSc candidate, is it any wonder that a degree no longer commands much respect? From my own experience in industry I can confirm that the 'White List' does exist and is generally interpreted as the 19 universities which comprise the Russell Group - Oxbridge, Imperial, LSE, Bristol, Manchester etc. Plenty of extremely intelligent and capable people can't spell, especially in the tech sector. The idea that arbitrary characteristics such as spelling ability, quality of handwriting, and whether you dress smartly have much impact on your chances of getting a good job is a bit outdated I think. frug. Quote Link to comment Share on other sites More sharing options...
peemac Posted January 15, 2007 Share Posted January 15, 2007 (edited) Plenty of extremely intelligent and capable people can't spell, especially in the tech sector. The idea that arbitrary characteristics such as spelling ability, quality of handwriting, and whether you dress smartly have much impact on your chances of getting a good job is a bit outdated I think. frug. Yeah look at that Hawkins. He's a right scruffy git moping about in his wheelchair. Slurs his words too, lazy ba5tard and I'll bet his handwriting ain't up to much either. I wouldn't give him a job. I wouldn't give that scruffy tw@t Jobs one either, nor Gates. Edited January 15, 2007 by peemac Quote Link to comment Share on other sites More sharing options...
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