Why don't people cheer the brilliant elements of No-Deal crash- Such as making property affordable?

MobileSaver

movilogo wrote: »

To mitigate their risk, they would value houses lower than sellers' asking prices. That would not be a bad thing.

It would be a bad thing if the lender's criteria now required a 10% deposit instead of a 5% deposit as it would make it harder to buy a home...

• Today's prices, £200k property, 5% deposit required so £10,000 needed upfront
• Prices drop 20%, so £160k property, 10% deposit required so £16,000 needed upfront.

That's why so many here say to be careful what you wish for; lower prices may sound like a good thing but the reality is far from it. In the what-if-scenario above any buyer needs to have a 60% bigger deposit even though prices have dropped 20%...

Zxcv_Bnm

My question is this

There are two ways to live somewhere, own it or rent it

If nobody wants to own everybody wants to rent

So when house prices go down what happens to rents??

ess0two

Autumn86 wrote: »

Well yes, as that is my job, to respond to 'emergencies'. :money:

There isn't an ongoing emergency occuring non-stop 24-hours per day at hopsitals though,
hence why during the time when I'm not dealing with situations, myself and my colleagues can just chillout in our office/watch TV/surf the internet/eat/sleep/do whatever we want... :beer:

But when emergencies do occur during the day we then are needed to respond to them & deal with them,
as the core basic functions of the hospital cannot function properly whilst there is an ongoing emergency on that ward/area.

You can cut the numbers of nurse/doctor/hcas/cleaners/admin staff/and basically anyone else in an NHS hopsital, without any real problems...
(yes people will have to wait abit longer for treatment/inbetween doctors rounds/less staff for more patients... ect),
But when you have violent aggressive blokes off their head on drugs/alcohol/mental-issues attacking nurses/smashing chairs around the ward/fighting with random people in the A&E the hospital physically stops being able to function until me & my team attend and deal with it/drag them out/restrain them to keep them in.

My job actually is the result of budget-cuts, and people's jobs being slashed and instead rolled into one.
(As previously security officer / fire officer / mental-health support worker/RMN) would of all been seperate jobs,
however now they all done by me and my team.


And you can call me 'sociopath', but the reality is that I'm just a realist.
The real world is a cold, cruel, harsh place, where no-one really gives a f**k about anyone else, and so to have a comfortable lifestyle you have to just take care of yourself and your own personal interests as your number 1# priority (even if it means destroying everyone elses), as its a dog-eat-dog world.


I don't know you, and so have no particular vendetta against you-
But if there was a button that I could press which would cause you to lose every single thing that you value in your life, totally & utterly destroy you entire future, and leave you an empty husk of a human :: But that i'd get a crisp £20 note if I simply pressed that button,
I would gut you like a fish my friend, gut you like a fish. :beer:

A doorman, !!!!!!, i'd hardly call that integral to the NHS:rotfl::rotfl:

Zxcv_Bnm

Autumn86 wrote: »

But if there was a button that I could press which would cause you to lose every single thing that you value in your life, totally & utterly destroy you entire future, and leave you an empty husk of a human :: But that i'd get a crisp £20 note if I simply pressed that button,
I would gut you like a fish my friend, gut you like a fish. :beer:

and thats why you work in the NHS

mayonnaise

ess0two wrote: »

A doorman, !!!!!!, i'd hardly call that integral to the NHS:rotfl::rotfl:

Probably Head Doorman as he's on a whopping 22k.

Autumn86 wrote: »

I start a new job tomorrow, working for the NHS.
I will be starting as Band 3, and so the salary is only 22k per year.

societys_child

Keep dreaming Autumn, and saving . . .

Autumn86

mayonnaise wrote: »

Probably Head Doorman as he's on a whopping 22k.

Yes when I applied for the job I did think the starting salary was between 22-23k (as that is the basic starting pay for NHS band 3),
HOWEVER
what I didn't realise then was that the band-pay rates as published on the NHS payscale are merely quoted for basic pay/hours (so someone who works 9-5 / Monday-Friday)... :beer:

A 30-second search via Google will show you yourself that all NHS staff earn pay-enhancement rate for all hours done in evenings/night, and on weekends (1.5x base pay-rate), which is paid ontop of the base-pay for their band.


But given that 50% of my shifts per month are late-shifts (so paid at 1.5x base pay)
+
there's a 30% chance that some/all of my day-shifts will be on a weekend (so paid at 1.5x base pay)
=
My actual basic take-home pay is £28,600 per year. :beer:

Autumn86

Zxcv_Bnm wrote: »

and thats why you work in the NHS

Nah, I do it as I like the uniform, am comfortable with the salary, and love only having to ever work a 3-day week but still earn a full-time salary! :money::D:beer:

Herzlos

Autumn86 wrote: »

But when emergencies do occur during the day we then are needed to respond to them & deal with them,
as the core basic functions of the hospital cannot function properly whilst there is an ongoing emergency on that ward/area.

So security, that's what I thought. It could still be done with an outside contract and cheaper staff, or with less of you and a larger area to cover, or you could be rolled into some other business function in your down time, or your A&E could close.

I don't know you, and so have no particular vendetta against you-
But if there was a button that I could press which would cause you to lose every single thing that you value in your life, totally & utterly destroy you entire future, and leave you an empty husk of a human :: But that i'd get a crisp £20 note if I simply pressed that button,
I would gut you like a fish my friend, gut you like a fish. :beer:

And that's why I called you a sociopath - most normal people would do the opposite.

Herzlos

Autumn86 wrote: »

My actual basic take-home pay is £28,600 per year. :beer:

Cool, only £11k below the average full time salary:beer:.