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Posted: Wed Nov 30, 2011 7:39 pm
by DNgroundworks
I think he means if you buy a house in a cheaper/rougher area, there would be more chance of bad tennants - not paying etc
Posted: Wed Nov 30, 2011 8:15 pm
by lutonlagerlout
Its the only way blokes like us have a chance of getting a few quid in ,in our dottage
I have found from bitter experience that property in cheaper areas generally attracts more itinerant problematic tenants
good areas, the places rent themselves
you only need a place empty for 2 months a year and your business plan goes out of the window
LLL
Posted: Thu Dec 01, 2011 10:24 am
by GB_Groundworks
re the strike, i have a few friends infact a lot of very pro union friends etc and public sector workers and they have no idea what a hard days work is, to have all your money tied up in a job hoping you get paid on time so you dont go over drawn etc, they sit back take sick days left right and centre, teachers get so much holiday then god forbid the previous government spends all the money morgtages us to the hilt, increases the public sector to effectively buy votes by fooling everyone everythign was ok, it all goes tits up teh left blame the bankers, the right blame the left etc.
fact is we need to reduced what we are spending or us younger lads or our kids are going to be suffering even more, so theyre complaining they have to pay more for their own pensions? and they want us to support them? i havent got a pension, i dont ask them to contribute to mine, at the end of the day they are going to be the beneficiary of their pension and any argument about fairness is wasted on me, lifes isnt air deal with it.
its your pension you should contribute more than 6% to sit back and enjoy the benefit they do, thats fairness. i went into local shopping centre yesterday to the mac store and it was rammed, on strike more like on xmas shopping the few picket lines i saw were sparsely populated.
if you want a huge pension you ahve to pay for it, why should you have your cake and eat it? at the expense of other services and jobs, because they may be all for solidarity etc but at the end of the day that saved money will keep people in jobs.
my current facebook status see what it stirs up 
Giles Bertenshaw
so the strikes, unions and solidarity... if public sector workers contribute more to their own pensions does that not equal more money in the exchequer, therefore does that not mean then that they help save their colleauges & fellow public sector workers jobs and the point and strength of the unions? surely more jobs is more important and a better stance than their own personal income in retirement??
Like · · 2 seconds ago near Sheffield
Edited By GB_Groundworks on 1322735747
Posted: Thu Dec 01, 2011 11:26 am
by ilovesettsonmondays
you have to look at it all ways giles , you would not be happy if you were in their shoes . promised one thing get another .hard days work . your right alot of them dont know what a hard days work is . as for having all your money tied and hoping to get paid on time thats your choice , you dont have to do that . you too could work for someone , but you choose not to , probably to better yourself .you having a pension is your choice too.as for the mac shop ive been in the one in fouberts place for the mrs and the one in seven dials . always small mac shops . surprised you fitted your machine in there or were you off not working , just like the strikers . (they wernt getting paid either ).as for teachers holidays , well they've always been the same . put an advert out for them if your short of labour in the summer holidays.pay them cash in hand . save the tax.first rant giles , by the way my pension is going to be massive i paid in 10 pound a week for 5 years . jackpot
Posted: Thu Dec 01, 2011 1:52 pm
by lutonlagerlout
talking about it today and my mate at work has been pa ying his for 15 years £100 per month,goes up 2% per year
hes 42 and if he carries on till he is 60 he gets £75 per week
realistically you need to prepare for not dying
but i wouldnt leave it to the govt.
LLL
Posted: Thu Dec 01, 2011 3:33 pm
by seanandruby
obviously it's your first recession giles. Wait till you have 2 or 3 under your belt. when you've based your entire future, mortgage, etc; on your earnings and expected pension, then have it taken away after grafting, raising a family for years on end, it is a big smack in the mouth. We wasn't all born with a silver spoon in our mouths. Wages and pensions are s'posed to move up with the times, not drop and leave thousands hard up.
Posted: Thu Dec 01, 2011 4:27 pm
by dignfence
I can see it from both sides; I run a business,struggle like hell at times and often think I would be better of being employed and let someone else worry but no, I do like the challenge,Its nice to find solutions and it is nice and rewarding when you have satisfied customers and the fact that alot of my work will last for generations if not forever. You think you have earnt a fortune untill you pay for fuel,insurance,hire bills,wages,and all the other things that we are all aware of.But it is my decision to carry on,and no there is no pension involved.
However I am also employed by local govt on an "on call " basis and am available 24/7. Part of the deal is a pension of which 12% of my meagre wages get paid into and that was my long term plan but no,somebody has to change the goal posts!So that is that plan screwed then.
However I would like to think that I have enough get and go and oppurtunity to come up with a plan B,C.D and so on.Im lucky, a friend of ours is an intensive care nurse,it cost her afortune to get Qualified,and I mean very highly qualified,(phd etc) because she wanted to do a job that nobody else would want,or could do!A benifet of this career move was her pension,and as far as im concerned she is entitled to it!! 
Though I will also admit there are certain public sector employees who should not have the job let alone a pension
So there it is guys&girls,two sides to every story and I think it may be more about dead wood etc,if you genuinely earn it you deserve every penny and my respect,if you are on the gravy train then get off and try the real world for a change you might realise the world does not owe you a living!!!
DNF
Posted: Thu Dec 01, 2011 4:35 pm
by Carberry
dignfence wrote:Though I will also admit there are certain public sector employees who should not have the job let alone a pension
Typical government procedure, create a bunch of jobs that we don't need / can't afford to get votes then by the time anyone realises we can't afford them and the shit hits the fan they're no longer in power anyway.
Posted: Thu Dec 01, 2011 5:01 pm
by dignfence
QUANGOS for a start
Also had a local govt official turn up to inspect a job the other day (I dont mind that,Ill always take time to explain and work with people,its part of the job) and he did not have a clue,he had been sent ALL the relavent paperwork but he had not even bothered to read it!!! An hour I spent explaining stuff that are normal practices and procedures that most of us are au fait with.What a waste of everybodys time and money and I bet he was on strike yesterday!!DNF
Posted: Thu Dec 01, 2011 5:17 pm
by parishpaver
seanandruby wrote:obviously it's your first recession giles. Wait till you have 2 or 3 under your belt. when you've based your entire future, mortgage, etc; on your earnings and expected pension, then have it taken away after grafting, raising a family for years on end, it is a big smack in the mouth. We wasn't all born with a silver spoon in our mouths. Wages and pensions are s'posed to move up (or down) with the times, not drop and leave thousands hard up.
Edited for accuracy
Posted: Thu Dec 01, 2011 5:26 pm
by dignfence
Looks like Mr Jeremy Clarkson has summed it all up!
Oh dear, whoops, And how does he earn his living and pension? Oh thats right,from that licence fee we have to pay!
Its a shame his brain doesnt have a gear box 
DNF
Posted: Thu Dec 01, 2011 5:44 pm
by lutonlagerlout
clarkson was taking the mick,thats what he does and why his show is so loved by petrol heads world wide
he is no politician
as has been said there are 2 sides to every story
but i know one thing very well and that is that most councils are the biggest employers in every town in the country
my missus used to work in a council type office
at least 5% of the staff were off sick at any one time on full pay
10% of the ladies were on maternity leave
10 weeks paid holiday per year plus bank holidays
and roughly 2 people for every job so everything was overstaffed
now children are everyone's right and so is holiday pay ,but the costs of all this is a massive drain on the public purse
which is getting smaller due to the recession and less tax revenue
personally any existing employee should be unaffected but any new employees should either sign up for the new regime or not take the job
its one of the reason greece is in so much schtuck their public sector is massive and it is unsustainable
the country definitely needs some kind of boost as it seems to be doom and gloom everywhere
cheers LLL
Posted: Thu Dec 01, 2011 6:37 pm
by Bob_A
seanandruby wrote:obviously it's your first recession giles. Wait till you have 2 or 3 under your belt. when you've based your entire future, mortgage, etc; on your earnings and expected pension, then have it taken away after grafting, raising a family for years on end, it is a big smack in the mouth. We wasn't all born with a silver spoon in our mouths. Wages and pensions are s'posed to move up with the times, not drop and leave thousands hard up.
Agreed.
I've been paying into my company pension since I was 18.
35 years later I'm told I won't be getting as much as I was told all those years ago.
Doesn't seem right to me, I've kept to my end of the bargain, I've done nothing wrong.
Posted: Thu Dec 01, 2011 7:13 pm
by lutonlagerlout
chance are bob your pension has been gambled on the stock market..... and lost
bizarrely enough the blokes gambling it still get their bonuses
LLL
Posted: Thu Dec 01, 2011 7:28 pm
by GB_Groundworks
sean yeah first recesion but watched my dad go through the other one, but i studied economics and politics upto A level and have a very good grasp. wages are a market determined force following a supply and demand curve, albeit now with artificial restrictions like legislation ie minimum wage. if wages could be lowered then likely emplyment would increase as ppl would be willing to employ more ppl at a lower wage, weve got it into our head how special we are and expect £120 a day what ever. ive been labouring this week as had no work and got bills to pay so ive been on £60 a day but its work not sat at home.
they arent having their pension stripped they are being asked to contribute more to their own pension. these final salary schemes for midly of the rd public servants and unsustainable, what do you want us to do sean just keep borrowing and borrowing to live a lie? leave it to the kids and grandkids to pay off so we can have a good time?
