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On bonus day you may notice for the first time that some of your colleagues actually have teeth. Year-round glares turn into ear-to-ear smiles. Many of them will have gotten engaged, married, become parents or taken off on week-long holidays to the Seychelles. However, you will not see them wear as big a smile as the one they’ll walk into work with that day in anticipation of the handout. The stress, grey hairs, hair loss, stomach ulcers, eczema, skin rashes, to name a few undesirable aspects of the job, are justified by the paper handed to them which contains their bonus for the year. If it is a great handout then the day after the beneficiary will glow like a prophet.
Some people know they want to work in finance from a young age. True, it’s rare; but when you meet them in a bank you’ll recognize it right away. More often than not they’re very sharp. Everyone in the team will either love or hate them. There is no in between. At a junior level (i.e. Analyst / Associate) they are typically the guys who make far fewer mistakes in presentations and models, digest information and data the quickest and generally appear to feel most at home in the building. It is almost a given that they’ve breezed through their finance studies in university. Some of them probably could have joined a bank straight from high school rather than attend university.
Those of you currently in the business, next time you attend the Monday morning meeting just take a nice, long look around the room at the seniors bankers present. Is it not unusual that many of them are probably 10 years younger than they look? I know it took me less than a year at the bank to give birth to most of the grey hairs I presently sport.
Jb - I would say the landlords responsibility ends with the rent in your case, and they have taken measures to protect that, but it would be reasonable to ask for help as a deposit is also designed for this, especially if it's taken from each individual. Since it's not a joint tenancy and solely in your name, you have responsibility for the collection of bills from other tenants. Not an ideal situation if the tenants aren't known to you or you aren't part of the vetting process. This is something you should either change when renewing or make changes to help protect yourself from this risk - i.e. also take deposits or agree your portion from the landlords, take bill advances, or put specific bills in other peoples name to balance it out and share the risk.
The frst thing any landlord should when a new tenant moves in is call their Electricity/Gas/etc and state a tenant is moving in and give their entry date. The companies will send out transfer forms and your responsibility/liability for paying will end then and there whatever happens! You'll also need to call back on entry day with readings etc. Never keep the bills in your name - it can be a disaster waiting to happen. Switch everything over to them - it's the safest route.
I went guarantor for my sons x through a letting agency she is on benefits who paid the rent direct to her, she faild to pay 2 months rent now the rent is paid in part to the letting agency ?30 short which she fails to pay increasing arears. i have spent ?300 on leagal advice, but the landlord rightly wants whats owed to him.she has been given 2 months notice to hand back the property.has anyone been in this nightmare situation and give me some peace of mind is there any light at the end of the tunnel so to speak
I have just had a tenant leave my house and in doing so she owed me 3 months rent, destroyed the house, left the bills unpaid and stole good from the house. i will never do it again and as for the law, it stinks. she broke the rule by not paying the rent and took money from the DHSS for housing benifit and didnt use it for rent, the same people (DHSS) protected her and told her how to not pay me and stay in the house till she found another mug to steal off. love to put her name up here. lieing scum she is.