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Nice people thread part 4 - sugar and spice and all things
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Hmm - you are the last person I would suspect of bothering with sockies PN - is everything OK? Surely you haven't got banned?!Having money in the bank was better when there was a quaint thing called interest... as that interest (in 2007) would have paid my basic rent/basic bills on a nice little flat to rent.
I do have a fear of spending my house money though - so I can't fritter it on rent, or anything, except buying a house - and as I'm spending "my money" it's real and I don't want it all to go on a house.... but it's so hard not to be tempted by those costing £10-20k more than I have.
I've dossed about like this for several years now, it's greatI think....0 -
Odds are the house you might buy has probably fallen in value more since 2007 than you hav elost in interest so you aren't really worse off
Having money in the bank was better when there was a quaint thing called interest... as that interest (in 2007) would have paid my basic rent/basic bills on a nice little flat to rent.
I do have a fear of spending my house money though - so I can't fritter it on rent, or anything, except buying a house - and as I'm spending "my money" it's real and I don't want it all to go on a house.... but it's so hard not to be tempted by those costing £10-20k more than I have.
I've dossed about like this for several years now, it's greatI think....0 -
LydiaJ is "hot" on this subject.
The fact is that rates will lower from around March onwards which will have a massive effect on the solar installation company's.
Choose your installer carefully as your guarantee will be useless if they go out of business.0 -
Supposedly eisting customers until end of March will be OK but new customers thereafter will get much less - be interesting to see what happens to panel prices once the subsidy is cut and whether there will still be interest in companies to rent people's roofs.LydiaJ is "hot" on this subject.
The fact is that rates will lower from around March onwards which will have a massive effect on the solar installation company's.
Choose your installer carefully as your guarantee will be useless if they go out of business.
I got mine in September. It took me 39 days to make the first £200. Given that the extra borrowing to install the panels has only added an extra £50pm to my mortgage payment, I think I'm doing pretty well. I expect to get my first payment in December - they pay you quarterly in arrears.
Everything I'm hearing confirms what michaels has said. All the paperwork says FiTs are guaranteed index-linked for 25 years at whatever level you go in at. The original plan was for FiTs to be dropped by about 8% for those joining after March (in view of decreases in panel prices), but there are rumours that FiTs will be dropped by a lot more. I would advise anyone thinking of getting in on it to move quickly and get sorted this financial year.
You get guarantees from the installer, the panel manufacturer, and the inverter manufacturer, so even if your installer goes bust, you should still be covered for failure of the actual panels or the inverter.
sss555s, can I quote the first three words of your post out of context?
Do you know anyone who's bereaved? Point them to https://www.AtaLoss.org which does for bereavement support what MSE does for financial services, providing links to support organisations relevant to the circumstances of the loss & the local area. (Link permitted by forum team)
Tyre performance in the wet deteriorates rapidly below about 3mm tread - change yours when they get dangerous, not just when they are nearly illegal (1.6mm).
Oh, and wear your seatbelt. My kids are only alive because they were wearing theirs when somebody else was driving in wet weather with worn tyres.0 -
Any nice people know how to get a (medical) second opinion of someone's notes, without alerting them that you think that more treatment options could be available elsewhere?
Got a centre of excellence that is happy to see people for second opinions and can in some cases offer treatment not available elsewhere (due to more advanced equipment etc), but need to get the notes reviewed to see if this is possible without causing panic that current treatment won't offer a long term solution.
I think it's difficult to do this. Let's say that you had a copy of all the patient's notes and sent them off to a doctor without the patient knowing, I think the doctor would be unwilling to reply to you rather than the patient. Very unwilling. Besides any difficulties over the DPA.
By the way when you say 'alerting them', does them mean the patient or the first doctor?No reliance should be placed on the above! Absolutely none, do you hear?0 -
I think it's difficult to do this. Let's say that you had a copy of all the patient's notes and sent them off to a doctor without the patient knowing, I think the doctor would be unwilling to reply to you rather than the patient. Very unwilling. Besides any difficulties over the DPA.
By the way when you say 'alerting them', does them mean the patient or the first doctor?
Alerting them refers to the patient, who thinks that the treatment is working and offers a long term reasonable prognosis. The former is true, the long term may not be as long term as hoped. So if there is a possibility of newer treatment at a centre of excellence, it is worth telling the patient, if not then it is better that carry on as now, in that they are getting the best treatment available and not knowing it may not keep the cancer at bay for that long.
What I would like is for the current consultant to have a discussion with a consultant at the centre of excellence, so that he can make a judgement call on whether it worth telling the patient that it is worth going down this track. I don't know how to engineer this. This would totally get around confidentiality/ DPA as the doctor would either then tell us there is nothing that can be done elsewhere or tell the patient he has undertaken a peer review and suggest a referral elsewhere.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0 -
I think it's difficult to do this. Let's say that you had a copy of all the patient's notes and sent them off to a doctor without the patient knowing, I think the doctor would be unwilling to reply to you rather than the patient. Very unwilling. Besides any difficulties over the DPA.
By the way when you say 'alerting them', does them mean the patient or the first doctor?
GDB2222's right. I don't think this can actually be done. Maybe some specialist medical forums might be able to make suggestions
The patient themself might be able to suggest new treatments to the doctor (who must be well used, if not a bit sick of hearing from wised-up patients fresh from an internet trawl).
But a non-patient stepping in -keeping the patient out of the loop? I just don't think it works that way.There is no honour to be had in not knowing a thing that can be known - Danny Baker0 -
To get around the awkward thing of both people dying at the same time.
In law, people don't die at the same time. There is one of those handy rebuttable legal presumptions.
The younger person is assumed to have died second.
So if a plane crashes, killing all on board, and Mr and Mrs Smith are among the dead, the older is assumed in law to have died first....much enquiry having been made concerning a gentleman, who had quitted a company where Johnson was, and no information being obtained; at last Johnson observed, that 'he did not care to speak ill of any man behind his back, but he believed the gentleman was an attorney'.0 -
neverdespairgirl wrote: »In law, people don't die at the same time. There is one of those handy rebuttable legal presumptions.
The younger person is assumed to have died second.
So if a plane crashes, killing all on board, and Mr and Mrs Smith are among the dead, the older is assumed in law to have died first.
Explaining why some wills have clauses requiring the survivor to survive by a month.I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.0
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