uttoxram75 Posted May 17, 2016 Share Posted May 17, 2016 47 minutes ago, GboroRam said: You're not wrong. Smelly end is pretty bad. And the effluent tanks are pretty ripe anorl. I can imagine mate! Just driving past the chicken factory in Scropton is enough for me. Link to comment Share on other sites More sharing options...
Boycie Posted May 17, 2016 Share Posted May 17, 2016 1 hour ago, David said: You told me you wasn't well endowed He told me I would be! Link to comment Share on other sites More sharing options...
loweman2 Posted May 17, 2016 Share Posted May 17, 2016 16 minutes ago, Boycie said: He told me I would be! Libel !! i never said a foken thing ! Link to comment Share on other sites More sharing options...
Boycie Posted May 17, 2016 Share Posted May 17, 2016 29 minutes ago, loweman2 said: Libel !! i never said a foken thing ! My payout says otherwise I'm talking about financial "advisors" in general mate, stop sweating! Link to comment Share on other sites More sharing options...
loweman2 Posted May 17, 2016 Share Posted May 17, 2016 2 hours ago, Ashz09 said: Lucky man Lowe. I'd love a job I love fixing pc's or learning about coding,servers etc but hard to get you need to have a car and have experience and god knows how many degrees etc. you will get there mate, bit of self belief and a bit of luck and you will be fine. Link to comment Share on other sites More sharing options...
Day Posted May 17, 2016 Share Posted May 17, 2016 2 hours ago, Ashz09 said: Lucky man Lowe. I'd love a job I love fixing pc's or learning about coding,servers etc but hard to get you need to have a car and have experience and god knows how many degrees etc. Problem is when Microsoft users finally realise how superior Mac's are you will have nothing to do, would be like being a VHS player repair man Link to comment Share on other sites More sharing options...
loweman2 Posted May 17, 2016 Share Posted May 17, 2016 4 minutes ago, Boycie said: My payout says otherwise I'm talking about financial "advisors" in general mate, stop sweating! yeah I know mate, they were bad things, designed with the right intentions and were brilliant when they were paying bonuses of 10% per year in the late 80s and early 90s but once the bonuses started to drop and drop it was obvious that they were not going to make the sum assured, it was down to a lack of experience, training etc and pressure that a number of advisors continued to sell them spouting off the same spiel that the previous generation had quoted, things are very different nowdays, the industry has had two massive shakes and a number of the bad apples have fallen off and rotted away !! its dangerous times though still, a wrong move from into a a wrongly suited pension fund when you are ten years or less away from retirement can do serious damage to a persons future, investors who moved money in 2007/08 can easily have lost 40% of the fund value, if they then got scared and moved into cash for 12 months they would still be seeing losses today. any how enough of that. up the rams ! Link to comment Share on other sites More sharing options...
loweman2 Posted May 17, 2016 Share Posted May 17, 2016 7 minutes ago, loweman2 said: yeah I know mate, they were bad things, designed with the right intentions and were brilliant when they were paying bonuses of 10% per year in the late 80s and early 90s but once the bonuses started to drop and drop it was obvious that they were not going to make the sum assured, it was down to a lack of experience, training etc and pressure that a number of advisors continued to sell them spouting off the same spiel that the previous generation had quoted, things are very different nowdays, the industry has had two massive shakes and a number of the bad apples have fallen off and rotted away !! its dangerous times though still, a wrong move from into a a wrongly suited pension fund when you are ten years or less away from retirement can do serious damage to a persons future, investors who moved money in 2007/08 can easily have lost 40% of the fund value, if they then got scared and moved into cash for 12 months they would still be seeing losses today. any how enough of that. up the rams ! just following one from that, just had a quick google for endowment payouts based on a 25 year term and paying a flat £50 for that 25 years (mortgage term) and look at how the final payout dropped so massively, look at 1995, that plan would have started in 1970, pay in £15,000 over the next 25 years and collect up to £108,000 in 1995 to pay off what would have been an average mortgage of probably £50,000, then compare it to our generation, if I had taken one out in the year I left school (1986) and paid the same for 25 years I would have collected £35k as a maximum, and never had paid off my mortgage, so for everybody who took out an endowment after probably 1990 there was never a chance of paying off your mortgage, especially as house prices began to soar. but for some reason the industry was to naïve or stuck in its way of doing things, 80% of house buyers used to have an endowment. sorry to bore everybody Link to comment Share on other sites More sharing options...
Ashz09 Posted May 17, 2016 Share Posted May 17, 2016 39 minutes ago, loweman2 said: you will get there mate, bit of self belief and a bit of luck and you will be fine. True I brought a Unity course in coding just not had time to do it. It's really fun and easy to follow.. Keep saying to my self I'll quit my job one day do loads of courses and become a guru. Then I come back to reality and realize I need the money due to credit card bills etc lol. I'll keep applying it's all about recruitment agency's now days instead of the firms them self's recruiting so a lot harder! Link to comment Share on other sites More sharing options...
Mostyn6 Posted May 17, 2016 Share Posted May 17, 2016 9 minutes ago, Ashz09 said: True I brought a Unity course in coding just not had time to do it. It's really fun and easy to follow.. Keep saying to my self I'll quit my job one day do loads of courses and become a guru. Then I come back to reality and realize I need the money due to credit card bills etc lol. I'll keep applying it's all about recruitment agency's now days instead of the firms them self's recruiting so a lot harder! career advice, and this is vital. You NEED to pass your driving test. Link to comment Share on other sites More sharing options...
loweman2 Posted May 17, 2016 Share Posted May 17, 2016 13 minutes ago, Ashz09 said: True I brought a Unity course in coding just not had time to do it. It's really fun and easy to follow.. Keep saying to my self I'll quit my job one day do loads of courses and become a guru. Then I come back to reality and realize I need the money due to credit card bills etc lol. I'll keep applying it's all about recruitment agency's now days instead of the firms them self's recruiting so a lot harder! where do u live ? are u in derby my mrs works at an IT firm in Derby, I can ask if there are any vacancies, not sure what kind of income it is etc Link to comment Share on other sites More sharing options...
Ashz09 Posted May 17, 2016 Share Posted May 17, 2016 1 hour ago, Mostyn6 said: career advice, and this is vital. You NEED to pass your driving test. I've passed just not able to afford a car. On £16,800 a month is not really much.. Meant to have got a pay rise.. Last September! 1 hour ago, loweman2 said: where do u live ? are u in derby my mrs works at an IT firm in Derby, I can ask if there are any vacancies, not sure what kind of income it is etc That would be great trying to keep around the Derby are I like the fact I can cycle to work but might lose that privilege for a better job eventually lol. Link to comment Share on other sites More sharing options...
SaintRam Posted May 17, 2016 Share Posted May 17, 2016 Still haven't bothered to learn how to drive I will the moment I need to look for a new job though. Link to comment Share on other sites More sharing options...
RiddingsRam Posted May 17, 2016 Author Share Posted May 17, 2016 6 minutes ago, Ashz09 said: I've passed just not able to afford a car. On £16,800 a month is not really much.. Meant to have got a pay rise.. Last September! That would be great trying to keep around the Derby are I like the fact I can cycle to work but might lose that privilege for a better job eventually lol. £16800 a month ? Not enough ? Jeez I need a pay rise . Link to comment Share on other sites More sharing options...
GeneralRam Posted May 17, 2016 Share Posted May 17, 2016 2 minutes ago, RiddingsRam said: £16800 a month ? Not enough ? Jeez I need a pay rise . £16800 a month? Is that all? Link to comment Share on other sites More sharing options...
RiddingsRam Posted May 17, 2016 Author Share Posted May 17, 2016 9 minutes ago, GeneralRam said: £16800 a month? Is that all? OK OK stop showing off ! Link to comment Share on other sites More sharing options...
GeneralRam Posted May 17, 2016 Share Posted May 17, 2016 48 minutes ago, RiddingsRam said: OK OK stop showing off ! I bloody wish I made that much Link to comment Share on other sites More sharing options...
Ashz09 Posted May 17, 2016 Share Posted May 17, 2016 Sorry I mean a year, haha I WISH that was a month!!!!!!!!!! Link to comment Share on other sites More sharing options...
LesterRam Posted May 17, 2016 Share Posted May 17, 2016 £16k a year is an absolute disgrace, I hope your employer are very proud of giving you this piss poor amount per annum, if not show them this thread. Link to comment Share on other sites More sharing options...
SaintRam Posted May 17, 2016 Share Posted May 17, 2016 I make about £10k less than the average for my position, because I don't have a degree. Do it better than all them graduate schmucks too Link to comment Share on other sites More sharing options...
Recommended Posts
Archived
This topic is now archived and is closed to further replies.