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meester

ds1980 wrote: »

mmmmm what's wrong with state education?

hmm, where do we start, lack of discipline, lack of achievement, lack of expectation, lack of facilities, small number of children of parents that couldn't care less about education, turns nice children into criminals (some schools), etc.

ds1980

meester wrote: »

hmm, where do we start, lack of discipline, lack of achievement, lack of expectation, lack of facilities, small number of children of parents that couldn't care less about education, turns nice children into criminals (some schools), etc.

oh and before you reply. It is not schools that give people any of this it is the parents. What is achieveing? Is it getting a high end job and sending your kids off to boarding school, never seeing them and slapping them with a cane (discipline). Schools don't turn kids into criminals. Their surroundings and peer pressure do. Your clearly like most of the upper class people i meet totally unaware of what goes on in the real world.

What lack of facilities. I went to ghana last week there were 70 children in a class. In a room no bigger than a double garage. No roof, just 4 walls. They were teaching the kids computing. They had no electricity nor any computers. They were practising on a keyboard they had drew onto a table. 4 children were sharing resources. Their football pitch consisted of a dirt track and some sticks as goals.That's lack of facilities.

If some of the private schools allowed "ordinary" people to use theyre facilities (swimming pools, tennis courts, cricket pitches) perhaps there would be a shortage! Oh no sorry us normal folk ain't allowed in!

Idiot

PayDay

ds1980 wrote: »

mmmmm what's wrong with state education?

Nothing...if the child is clever.

Unfortunately many parents don't trust their child's academic ability or simply don't spend enough time with their own children to know their academic ability. For these parents and those that realise their children will struggle at state schools, private and public schools offer smaller classes and a lot of help from the teacher.

epsilondraconis

Gulp - looks like there is going to be a fight behind the bike sheds after school tonight. Fight fight fight fight....

meester

ds1980 wrote: »

I'm not even going to start you snotty piece of !!!!. Hopefully your kids will grow up to make something of themselves rather than depending on mummy and daddy and only getting jobs because of who they are not what they are. I have put you on ignore as your clearly a moron.

Mummy grew up in Indonesia in a poor family that earned about $100/month.

And Daddy (who is younger than you) went to a state comprehensive, and didn't find it exactly conducive to fulfilling his potential, but has worked hard to make enough money to educate his children privately.

Despite the fact that Mummy's parents didn't have the money to educate her well, she doesn't have a chip on her shoulder the size of Essex, in the way you clearly do, given that you came here to pick a fight about private schools, and you then trounce off as soon as someone says what you were surely expecting in the first place.

Free advice for you: stop being so bitter about other people that are more successful than you (I'm certainly not) and live your own life.

Hope that helps you deal with your obvious envy/rage issues.

meester

ds1980 wrote: »

oh and before you reply. It is not schools that give people any of this it is the parents. What is achieveing? Is it getting a high end job and sending your kids off to boarding school, never seeing them and slapping them with a cane (discipline). Schools don't turn kids into criminals. Their surroundings and peer pressure do. Your clearly like most of the upper class people i meet totally unaware of what goes on in the real world.

And you're like every other bitter foolish lefty I've ever met. Firstly, you assume that I'm somehow upper-class when it's a million miles from the truth. My son went to state school before, and it was rubbish, sorry, they had zero expectations, and the private school is, surprise, surprise, much better (who'd have thought it, all those people paying for something you could get for free, are not lunatics after all). My wife, btw, is very happy with their ethos, even though she was schooled in surroundings rather more like those you describe below, she's more 'middle class' than me in her attitudes.

BTW, there's no corporal punishment in any schools in Britain.

What lack of facilities. I went to ghana last week there were 70 children in a class. In a room no bigger than a double garage. No roof, just 4 walls. They were teaching the kids computing. They had no electricity nor any computers. They were practising on a keyboard they had drew onto a table. 4 children were sharing resources. Their football pitch consisted of a dirt track and some sticks as goals.That's lack of facilities.

Yes, yes, been there, seen it, the teachers are poorly trained, the schools have poor-quality learning materials, but funnily enough I bet those 70 children are keen to learn. Well, that keenness certainly isn't present in a lot of a state schools in this country, the parents have no motivation for their children to succeed (i.e. to get a proper education and then a fulfilling job, something you seem quite bitter about for some reason), so I'm very happy that I can afford to send my children somewhere where the parents and children are motivated. And of course I bet the parents of those kids in Ghana would kill for the opportunity that's available in the UK, but funnily enough when they actually get to school in the UK, it seems to strangle that out of them.

If some of the private schools allowed "ordinary" people to use theyre facilities (swimming pools, tennis courts, cricket pitches) perhaps there would be a shortage! Oh no sorry us normal folk ain't allowed in!

Idiot

Er, perhaps you'd like to nationalize Arsenal football club, Lords cricket ground, and the Virgin Active gym chain as well? I can assure you any normal person can go to any of these places, it's just a question of priorities.

Unfortunately the education system in this country has been progressively destroyed by people with views like yours over the last 50 years or so. Luckily for you, there are still private schools in this country, educating children who go on to contribute huge amounts of taxation, enterprise, and human capital to this country.

lostinrates

ds1980 wrote: »

If some of the private schools allowed "ordinary" people to use theyre facilities (swimming pools, tennis courts, cricket pitches) perhaps there would be a shortage! Oh no sorry us normal folk ain't allowed in!

Idiot

They do. Increasingly so. I live in an area where there are a great number of private/public schools. One nearby small town has five schools, including two privates and a state boarding school. One of the privates has vast facilities which are used by the state boarding, the state secondary and has a cheaper than local council rate for the gym and pool facilities for the local public.

dopester

A lot of the state schools will be privatised, or how voucher schemes introduced, or undergo radical changes one way or another. Lack of public money.

The challenge is to maintain strong and good educational values with a shrinking economy.

Private schools also will to re-adjust to meet the new challenges.

And there will be a lot less tolerance for anti-social behaviour in schools. Mess around, no interest in learning and cause serious disruption? Then be expelled.

The time and energy will be channelled only to those keen to learn and respecting values. There will be less sympathy for troublemakers from all walks of life amongst law-abiders.

Educational entrepreneurs could benefit.. telepresence in the schools... syndicating the best teachers.

monkeyman1974

Maisie11 wrote: »

Hello,

I need some advice. We have just had our house valued at between £1.1.£1.2 million. We have lived in the house for 9 years. We would like to release some equity to pay for school fees over the coming years. Our mortgage is £280k. Before anyone asks there are some positives in this valuation.

1. The house next door sold in 2 weeks to a person prepared to offer £1.050 (£60K over the asking price). It is a lovely house but does need some work. I can quite see how someone fell in love with it. The sale completed last week. Ours is about third of the size bigger. Because we live in a small road houses dont come up very often. The last house sold in 2006 and people have tended to build extensions rather than move (we did this!)

2. We live in a very pretty road. Treelined and woods front and back.

3. We would like to put the house on the market in March next year with a proposed move in July 08.

4. The estate agent valuing the house actually sold us the house many years ago. I told him not to overvalue as we would know soon enough if he had! Our house is a tricky one to price up as all the houses in the road are different. By and large they are all biggish houses (4-5 beds). We have parking for approx 8 cars and a double garage. Our garden overlooks woodland and is completely enclosed.

5. If we move we would keep our current mortgage at the same value and just downsize slightly but move to a slightly cheaper area. We are currently 5 mins drive from the M25/M40 but you would never believe it.

I know that some people are holding out to see what will happen to house prices but renting is not an option for us. I have emotional attachments to owning a house and we intend to stay in the next one for 10 years plus.

Of course my fear is that buyers will 'mess' us around. Offer a price, then another after the survey and then another just before exchange.

It is not essential that we move, however the school situation makes it difficult. The schools we are looking at get booked up 1-3 years in advance which is why we need to plan now. I know that some will say that private schools are going to take a hit with the credit crunch but I can guarantee that the schools we are looking at never have problems filling their spaces.

So I am thinking. Should we put the house on the market next March and see what happens? I know we will need to apply for HIP. I believe after 6 weeks we will know what is going to happen and then we can decide accordingly. We would plan to have places at schools in both the new and old area but we need to give a terms notice if we dont take them up which would mean by mid April we would need to decide what we are going to do.

I am sorry if this is complex but any advice would be welcome.

so, you can't actually afford (from income) to send the nipper to public school, so you will MEW, and potentially eat into capital by way of a payment holiday, to pay for it. Making some huge assumptions, but at 6% on a 25 year term each extra pound you borrow will cost you £3 to pay back in nominal terms.

if it is a strategy, make sure it is a short term one, a mortgage is a loan that you have to pay back to state the bleeding obvious (apols)

or send them to state school. worked for me.

Doozergirl

monkeyman1974 wrote: »

so, you can't actually afford (from income) to send the nipper to public school, so you will MEW, and potentially eat into capital by way of a payment holiday, to pay for it.

Maisie11 wrote:

However releasing equity will make us very very comfortably off.

The OPs comment indicates to me that they can indeed afford school fees from their income but are choosing to downsize to keep their monthly dispensable high.

OP plans to keep same size of mortgage just downsize slightly moving to a cheaper area to benefit from the equity they've built up. They plan to maintain their lifestyle, will have with no extra mortgage outgoings and pay their children's school fees with the change they get. Downsizing isn't exactly MEWing because the M stands for Mortgage. They are releasing equity by selling up, not remortgaging.

If people want to spend the equity they've gained by using the money on school fees then that is none of anyone elses business to comment on and certainly no-one's business to get abusive over. Life must be terribly hard for people who choose to get angry and abusive towards other people simply getting on with their lives.

If a sensible mortgage for your income allows you to live life to the full while you are making affordable repayments, I see nothing wrong. I'm sure the OP will be mortgage free at least by the time they downsize again when the kids have flown.