hazellend
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Property Partner
REIT
Jan 10, 2024 16:37:19 GMT
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Post by hazellend on Jan 10, 2024 16:37:19 GMT
lol no way would I touch their REIT. Massive fees and poor management are not a good mix
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hazellend
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TAX cuts
Nov 26, 2023 16:15:42 GMT
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Post by hazellend on Nov 26, 2023 16:15:42 GMT
Don’t people vote for Labour because they want better public services via increased taxation? Until their taxes actually go up! And then they vote Tory because they want lower taxes and less well funded public services. And so it goes on…
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hazellend
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TAX cuts
Nov 24, 2023 13:56:40 GMT
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Post by hazellend on Nov 24, 2023 13:56:40 GMT
I don't think that anyone here in P2P has yet pointed out that the tax cuts will have to be paid for by real cuts in public service spending? BBC Which will add to the problems facing a new Government, which most people would say will be Labour. Don’t people vote for Labour because they want better public services via increased taxation?
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hazellend
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Post by hazellend on Oct 30, 2023 12:48:18 GMT
I would agree with that. I would add (and no doubt you and Hazellend will disagree), that GPs are overpaid due to there not being enough of them and because various Tory governments have allowed many of them to work as quasi independent businesses. £163,900 average for your typical GP partner but can be a lot more than that. www.nuffieldtrust.org.uk/resource/exploring-the-earnings-of-nhs-doctors-in-englandI do agree with Hazellend however, that we should move towards one of the many better systems that are in operation across Europe and beyond (I don't include the US in that list due to so many people being excluded from decent healthcare). My GP can't get any new partners, two recently retired, and he can only get locums they don't want to have the responsibility of being partners and all the admin that goes with it. I don't know exactly what they do, but the locums can also get tax advantages by setting up a company for themselves. I don't know if our GP practice will survive, the sole remaining partner is not that young, the locums like to work mainly from home doing phone consults and don't want to do unsocial hours, so even finding a GP on the premises is quite unlikely. Exactly. GP in its current state is not sustainable. It may look well paid, but there’s a reason nobody wants to do it in the U.K. for these rates. Doctor pay has dropped 30 - 40% in real terms over 10 years., whilst working conditions worsened. If we want to have doctors as part of our medical workforce in this country (trust me, we do) then pay and conditions will have to improve.
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hazellend
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Post by hazellend on Oct 29, 2023 19:49:13 GMT
The governments plan is to replace doctors with non doctors who have far less training, knowledge and experience. They are cheaper though. I do wish governments would have a mature discussion with the population about what the NHS can provide for current levels of funding. Is it just about funding though? And no I'm not going to launch into a daft "efficiencies" argument. I'm talking about foresight. Compared to the entire cost of running the NHS, building a few more med schools a few years ago is relatively small beer and would have meant there'd be no shortage of doctors. Nor would we be "stealing" them from other countries. The whole thing is ridiculously planned. Some current examples: - massive shortage of consultant anaesthetists with a bottleneck of trainees due up no training posts - massive shortage of GPs, but very little locum work available as practices get funding for non doctors to do GP lite work, but not for locums. I’ve never felt so negative about the NHS since starting my career in 2001. It really isn’t that difficult to sort, either keeping it free with more centrally funded tax money, or copying one of many other global NHS systems that are better.
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hazellend
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Post by hazellend on Oct 29, 2023 19:43:35 GMT
This is yet another disaster in the making. GPs are not perfect but overall they provided a service of which by and large the public approved. Now they are effectively being removed from front line duties to back office to be replaced with others who are not anywhere near as well trained or experienced. Yes, and no. In my view we should stop trying to look at the current NHS through the lens of what we were accustomed to or the shape we "expect" the NHS to be. We should be looking abroad at successful health systems which provide a much better service than our at times sclerotic, dysfunctional semi crippled NHS. GP services are just one of those. GPs are 'gatekeepers' to pretty much the entire rest of the NHS and health services in general. Do they really need to be ? How much of their time is spent doing an inspection of the person in front of them and then shuffling them off to a speciality which the person in question could have referred themselves ? Or that first inspection could have been done by a lower qualified and much cheaper person ? In other countries, it is not abnormal to go straight to the specialisation (as I understand) or to perhaps have a short telephone or video consult before being shunted on. By their very nature, GPs are not specialists in many areas that are still the function of primary health care to deal with. So why should we be consuming their very expensive time dealing with those things ? Many surgeries are of course already starting to deal with things that way as much as the constraints they have allow them to. None of which is to say that there aren't GP headcount/resource issues. There are. And you can probably point to a multitude of factors. Including Brown's generous pay settlements coupled with generous pension arrangements, coupled with built in disincentives to continue working when your generous pension hits limits relatively early, coupled with a consummate failure to credibly forward manpower plan for the NHS in general. The latter can only be laid at the feet of the current incumbents of power, since they have been there for 13 years. Whatever previous failings there may have been. Without sensible gatekeepers secondary care waiting lists would sky rocket. GPs are excellent value for money in this country, but primary care will probably end up being privatised.
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hazellend
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Post by hazellend on Oct 28, 2023 22:31:39 GMT
The governments plan is to replace doctors with non doctors who have far less training, knowledge and experience. They are cheaper though. I do wish governments would have a mature discussion with the population about what the NHS can provide for current levels of funding.
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hazellend
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Post by hazellend on Oct 20, 2023 17:04:10 GMT
We’re staying in the new Landal Barnsoul development. It’s extremely nice, great location. We really got taken for a ride on this one.
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hazellend
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Post by hazellend on Sept 2, 2023 7:31:43 GMT
Yay £1,100 today, my biggest win ever!
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hazellend
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Post by hazellend on Jun 5, 2023 18:47:44 GMT
Looking back through this thread is quite eye-opening. I've always through of myself as a "savvy" investor but I can't believe how trusting and naive I (and a lot of other fellow lenders) was until very close to the end. Not as positive as hazellend but not too far off either. In hindsight, there's a huge imbalance in the quantity+quality of information that the borrowers, MT and the lenders had, with the lenders being the least informed of the lot. Exposure wise, the lenders (and borrowers to some extent) had the most to lose while MT was quite well protected with opportunities to continue earning cash right to the end. Live and learn, I guess..... When I read my old comments it’s like a different person writing. P2P was basically a scam, I don’t know what the surviving companies are like but I wouldn’t touch it again. I have a very low threshold for assuming things are a scam now.
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hazellend
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Post by hazellend on Apr 28, 2023 18:56:04 GMT
Any idea what % of the amount recovered is covered by these dividends?
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hazellend
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Post by hazellend on Apr 28, 2023 17:57:24 GMT
I got my £500 cash and £12500 for 25% of D***en Y*****ue. No sign of anything for Bolton student bl26 yet.
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hazellend
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Post by hazellend on Apr 21, 2023 19:12:36 GMT
Report now available - exchanged for £1.7m, sale not yet complete due to complex secured creditors picture, sale by consent not achieved, hoping to do by overreaching to avoid court case, need one more creditor to agree. Likely return unclear as priority of creditors complex and administrators remuneration not yet agreed but likely less than £1m available for distribution to creditors What % return roughly are you anticipating?
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hazellend
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Post by hazellend on Apr 18, 2023 21:36:55 GMT
I think the BMA is part of the problem. For more than half a century they have kept the number of doctors being trained as low as possible in order to keep their salaries and status as high as possible. We need to train more doctors and nurses. The priority is to retain the doctors and nurses we have now, otherwise there will be nobody left to train the trainees.
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hazellend
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Post by hazellend on Feb 21, 2023 22:22:41 GMT
It’s because the strikes are required to save the NHS. Difficult for doctors to do but they have to. But it comes across as another union leader gloating over the chaos they are going to cause. I don’t believe that is the intention at all. They are just proud of their members taking a stand against appalling working conditions.
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