Preparedness for when

[Deleted User]

FUDDLE He Who Knows has been doing a bit of searching round the web for me this morning and we have found this useful bit of information and contacts

How do I find out my NHS number?

Everyone registered with the NHS in England and Wales has their own unique number. Your NHS number helps healthcare staff to find your health records.

If you're registered with a GP, you will already have an NHS number. To find out your NHS number contact your GP practice and ask them to look it up.

If you have any problems or have never registered with a GP, please ask NHS England for help on 0300 311 22 33 or contact england.contactus@nhs.net


You should be able to find your NHS number on any letter or document your have received from the NHS, including prescriptions, test results, and hospital referral or appointment letters. If you have a medical card, your NHS number should be printed on it.

If you cannot find your NHS number at home, you can ask your GP practice to help you. They should be able to provide the number for you as long as your are registered with them. To protect your privacy you may be asked to show a passport, driving licence or some other proof of identity.

If you are not registered with a GP practice, you should do so as soon as possible. They will be able to provide you with your NHS Number once you're registered.


I hope that's some use to you or anyone in the same position having problems finding the information.

Different theme entirely my own personal take on prepping for us is mainly of a practical nature, I've equipment, I've stores, I've knowledge in my head of how to do things to keep us going in tough times and even basics like how to build shelters, forage for edibles and make clean drinking water. We're mortgage free I know and try to be as savvy with any financial dealings as we can. I find it not in my own interests to worry about things that MIGHT happen in the future, not a head in the sand by any means but possibilities are just that and not facts or probabilities. My approach to life is pretty straightforward and I deal with things as they happen, trying to lessen the impact of things I know are coming. I find it counterproductive to worry and ponder on happenings in the world and the world of finance over which I have no control whatsoever that are theoretical in some nebulous future. If they happen, I'll deal with that when they do, or spend all of my days and nights in a lather of 'what ifs?' and not be living life when I should be just getting on with it!

nuatha

fuddle wrote: »

All I'm asking for is a little understanding that the audience of this thread isn't exclusively made up of hard core preppers and be sensitiven to the fact that some of us find life hard sometimes, no matter how hard we try.

Please don't think I'm making light of your position or journey.

Yes I'm sensitive but when I read late last night I was a bit upset to read that someone who has worked hard to pay off their mortgage, are nearly there with only a small mortgage left, are told that they are at higher risk of repossesion because of that situation and even told to up their payments as a priority to make them safe... I just feel that it isn't in the spirit of what I, personally, come to OS for.

But, it happens to be true and I'd rather be aware that there was such a risk than be left in ignorance (the post might have been better worded from that point of view) as I've just posted we've actually reduced our planned mortgage payments and instead of clearing our mortgage we might let it run for another 10 years (we generally over paid just short of incurring the excess payment, then banked money to reduce the balance for changing deals). That doesn't mean we're wealthy, far from it, but it does reflect our priorities and how we live our lives.

calicocat

Nuatha

I hear you. A few years ago I was renting a place, to be fair the Landlord never put up the rent, but neither did he do any repairs.

The toilet was Seriously damp, and the kitchen...and the living room floor was sinking in one corner......:eek: no clue how that happens, but my terrier at the time used to spent hours guarding the area barking at it.

Could never work out if he thought a ghost or a rat was down there.


Plumber here.... :T. Getting a bit of a plumbing lesson. ....sort of. I haven't caused it, as radiator valves are all cool, it's the air in the compression vessel as we thought. (bet you are all so relieved knowing that... :rotfl: ).

There was no air in it at all, so no wonder it wouldn't work. Just hope it doesn't need replacing and can be fixed by more air. Hay-ho....

fuddle

I called the practise manager this morning Lyn. I have my numbers and an apology.

This thread wouldnt be the same without the posts that spark thought. Thanks nuatha. You have made me understand that. I think it is the delivery I'm upset about, but to be fair I'm upset about a lot at the moment. Apologies frugalsod. I'm sorry for going in hard but maybe I'm an example of the vulnerability I've been trying to get you to understand that is around this thread.

[Deleted User]

Glad you managed to sort out the NHS Number problem FUDDLE and we're here as a community to support our contributors too specially on those grey and bleak days when this workaday world is just TOO much. I take on board your empathy with folks who are in sensitive periods of their lives and perhaps reading this thread for comfort and answers to problems being scared and made apprehensive by the more complex financial posts, life is difficult enough on a day to day level for most of us without the worry of what really is only a 'might happen!

moneyistooshorttomention

greenbee wrote: »

There's a whole board (Debate - House prices & the economy) for discussion of speculation on what might happen to the housing market and the economy as a whole, which is a good place for erm... 'robust' discussion about the various opinions and theories there are floating around about what is and might be happening.

And yes, I agree, sources and evidence are important when making these kind of statements. That way readers can form their own opinion of the reliability of the source. The safest thing to do with any assertion made without supporting evidence or sources is to ignore it Otherwise life will get very stressful!

I would tend to agree with that.

Re any attempts to whip house possession - I've never quite understood why anyone would even trouble to go to all the hassle of legal route to kick intruders out anyway. Bunch of burly men suitably paid = job done.:) Local hospital probably about to receive the intruders into A & E:cool:.

Re any repossession - I've never personally even heard of (still less come across) anyone who has been - so I personally wouldn't tend to regard it as very likely any mortgage provider would even think in those terms. One does need to take the precaution of taking out appropriate insurance to provide oneself with the cover the Government used to provide via DWP paying mortgage interest (because of all the restrictions as to what DWP will cover on that - compared to back in my day). But I wouldn't have thought, personally, that anyone was at risk - provided they've done that and chosen a reputable firm to have their mortgage with in the first place.

So - I don't think either of these Nightmare Scenarios re peoples homes are very likely somehow...

nuatha

fuddle wrote: »

This thread wouldnt be the same without the posts that spark thought. Thanks nuatha. You have made me understand that. I think it is the delivery I'm upset about, but to be fair I'm upset about a lot at the moment. Apologies frugalsod. I'm sorry for going in hard but maybe I'm an example of the vulnerability I've been trying to get you to understand that is around this thread.

I generally avoid posting on economic theory type issues. Frankly there's a huge amount of bullsh!t out on the t'internet. But there's detail and there's presentation. Frugalsod has sometimes provoked a similar reaction from me - but when I've considered a response, its been how it was presented rather than the detail of the post (not that I always agree with their detail, IYSWIM).
Frugalsod that is not an attack on your posting style or your posts.

We all have vulnerabilities, we all have times when they are more exposed than normal. We aren't necessarily aware that something is more raw than usual. And the really lousy thing is a badly presented truth hurts a lot more than just about anything else. There is no fair, and there seems to be a huge amount of unfair. Mrs LW has one of the best attitudes I know of:

My approach to life is pretty straightforward and I deal with things as they happen, trying to lessen the impact of things I know are coming. I find it counterproductive to worry and ponder on happenings in the world and the world of finance over which I have no control whatsoever that are theoretical in some nebulous future. If they happen, I'll deal with that when they do, or spend all of my days and nights in a lather of 'what ifs?' and not be living life when I should be just getting on with it!

Its not the attitude I have, but its probably the attitude I should work on having.
Live your life, do the best you can by your family and try to ignore the stuff that isn't relevant if it makes you worry, cos its a distraction from the important stuff.
It takes time to rebuild stocks, but they did their job and helped you move. You know why you prep - its back to doing your best for your family. How YOU prep is based on exactly the same thing as it should be. If its not relevant to you and yours at the moment, then don't let it stress you. If it becomes relevant then I'm sure you can still find the information.

nuatha

moneyistooshorttomention wrote: »

Re any repossession - I've never personally even heard of (still less come across) anyone who has been - so I personally wouldn't tend to regard it as very likely any mortgage provider would even think in those terms. One does need to take the precaution of taking out appropriate insurance to provide oneself with the cover the Government used to provide via DWP paying mortgage interest (because of all the restrictions as to what DWP will cover on that - compared to back in my day). But I wouldn't have thought, personally, that anyone was at risk - provided they've done that and chosen a reputable firm to have their mortgage with in the first place.

So - I don't think either of these Nightmare Scenarios re peoples homes are very likely somehow...

they may not be likely but they certainly happen. The theory of DWP paying the interest on a mortgage, also dates back to when interest only mortgages weren't a general option. A few months unemployment might well be helped, long term unemployment meant constant threats of repossession, as there was very little to pay off the capital.

I've known four cases where banks have gone for repossession where there was a substantial amount of equity in the house, in all 4 cases the bank ended up selling the house and claiming huge amounts of legal expenses leaving virtually non of the equity for the original buyers. Business foreclosures are more common. All 4 banks were major players, not back street flybynights.

calicocat

Right folks....


To lighten things a little.....

I need you all on your knees, praying that plumber leaves soon. I want to go for a pee....but toilet is next boiler, so need to wait until he has gone as only have one toilet......:eek:


.

Also, secret stashing is going to have to wait until he who knows less than me has been for his warm coat that is here...

Boiler also needs new part , that is getting put on now, so will cost more than I thought.

It's all going a bit Pete-tong today so far.

[Deleted User]

Bless you!!! Don't laugh!!!!! fatal!!!