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	<title>Comments on: Savings to be made as Housing asks for £2m. less in funding</title>
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	<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/</link>
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		<title>By: guern</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-223584</link>
		<dc:creator>guern</dc:creator>
		<pubDate>Mon, 07 Jan 2013 18:09:14 +0000</pubDate>
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		<description>Dave Jones. Like i said you do not like to talk to states house tenants .The issue was not dealt properly just past to one side.</description>
		<content:encoded><![CDATA[<p>Dave Jones. Like i said you do not like to talk to states house tenants .The issue was not dealt properly just past to one side.</p>
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		<title>By: Spartacus</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-223452</link>
		<dc:creator>Spartacus</dc:creator>
		<pubDate>Mon, 07 Jan 2013 09:46:38 +0000</pubDate>
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		<description>Someone can correct me if I have misunderstood however, according to the actuarial report, the crown appointees are members of the combined pool of the States of Guernsey public sector pension scheme and they are one of the special benefits groups. They are entitled to an employer contribution of between 20.6% and 23.9%.
 
P2514

http://www.gov.gg/CHttpHandler.ashx?id=3953&amp;p=0</description>
		<content:encoded><![CDATA[<p>Someone can correct me if I have misunderstood however, according to the actuarial report, the crown appointees are members of the combined pool of the States of Guernsey public sector pension scheme and they are one of the special benefits groups. They are entitled to an employer contribution of between 20.6% and 23.9%.</p>
<p>P2514</p>
<p><a href="http://www.gov.gg/CHttpHandler.ashx?id=3953&#038;p=0" rel="nofollow">http://www.gov.gg/CHttpHandler.ashx?id=3953&#038;p=0</a></p>
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		<title>By: Dave Jones</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-223436</link>
		<dc:creator>Dave Jones</dc:creator>
		<pubDate>Mon, 07 Jan 2013 08:24:25 +0000</pubDate>
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		<description>Kevin

It is clear that the Crown appointees are under a different pension scheme than States employees. I am not familiar with the Crown employees conditions of employment, so it is difficult for me to comment further on their pension entitlement.</description>
		<content:encoded><![CDATA[<p>Kevin</p>
<p>It is clear that the Crown appointees are under a different pension scheme than States employees. I am not familiar with the Crown employees conditions of employment, so it is difficult for me to comment further on their pension entitlement.</p>
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		<title>By: kevin</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-223304</link>
		<dc:creator>kevin</dc:creator>
		<pubDate>Sun, 06 Jan 2013 17:38:42 +0000</pubDate>
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		<description>Dave,

I am one of those who joined the PSD under the pay and conditions at the time - albeit at completely the other end of the pay scale to the bailiff and law officers etc.

Can you not understand why I would be slightly irritated that those who can most afford to take a financial hit are potentially in line for a &#039;compensation&#039; payment whilst those earning peanuts in comparison will end up paying more in the interim, working up to age 67 and receiving a lesser pension when they do finally retire?</description>
		<content:encoded><![CDATA[<p>Dave,</p>
<p>I am one of those who joined the PSD under the pay and conditions at the time &#8211; albeit at completely the other end of the pay scale to the bailiff and law officers etc.</p>
<p>Can you not understand why I would be slightly irritated that those who can most afford to take a financial hit are potentially in line for a &#8216;compensation&#8217; payment whilst those earning peanuts in comparison will end up paying more in the interim, working up to age 67 and receiving a lesser pension when they do finally retire?</p>
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		<title>By: Big Time</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-223233</link>
		<dc:creator>Big Time</dc:creator>
		<pubDate>Sun, 06 Jan 2013 15:27:58 +0000</pubDate>
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		<description>A Freudian slip...?

Wikipedia:- 
&quot;A Freudian slip is an error in speech, memory, or physical action that is interpreted as occurring due to the interference of some unconscious (&quot;dynamically repressed&quot;) subdued wish, conflict, or train of thought.&quot;</description>
		<content:encoded><![CDATA[<p>A Freudian slip&#8230;?</p>
<p>Wikipedia:-<br />
&#8220;A Freudian slip is an error in speech, memory, or physical action that is interpreted as occurring due to the interference of some unconscious (&#8220;dynamically repressed&#8221;) subdued wish, conflict, or train of thought.&#8221;</p>
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		<title>By: Dave Jones</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-223143</link>
		<dc:creator>Dave Jones</dc:creator>
		<pubDate>Sun, 06 Jan 2013 11:22:22 +0000</pubDate>
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		<description>That should of course read  protracted &quot;negotiations&quot;</description>
		<content:encoded><![CDATA[<p>That should of course read  protracted &#8220;negotiations&#8221;</p>
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		<title>By: Dave Jones</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-222974</link>
		<dc:creator>Dave Jones</dc:creator>
		<pubDate>Sat, 05 Jan 2013 21:41:30 +0000</pubDate>
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		<description>Kevin 

Of course I can do no such thing, the pension issue is a complex and protracted negation between the States and it&#039;s employees. 
These people joined the civil service under the pay and conditions prevailing at the time, which included the current pension arrangements.  We need to move to a position where the future pension provision is sustainable for all and it can only be done by agreement between both sides, you cannot blame the employees ,they didn&#039;t invent the pension arrangements they joined the civil service as a career and I have to say that some of the comments that have been made about our employees are not worthy of public comment.</description>
		<content:encoded><![CDATA[<p>Kevin </p>
<p>Of course I can do no such thing, the pension issue is a complex and protracted negation between the States and it&#8217;s employees.<br />
These people joined the civil service under the pay and conditions prevailing at the time, which included the current pension arrangements.  We need to move to a position where the future pension provision is sustainable for all and it can only be done by agreement between both sides, you cannot blame the employees ,they didn&#8217;t invent the pension arrangements they joined the civil service as a career and I have to say that some of the comments that have been made about our employees are not worthy of public comment.</p>
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		<title>By: kevin</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-222871</link>
		<dc:creator>kevin</dc:creator>
		<pubDate>Sat, 05 Jan 2013 18:48:53 +0000</pubDate>
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		<description>Dave,

&#039;The gap between rich and poor is widening and it is something the government have to address&#039;

Going slightly off this topic, can you reassure me that the 100 or so high earning States employees will not receive their &#039;compensation&#039; payments if the pension scheme is changed?

I bet you can&#039;t.</description>
		<content:encoded><![CDATA[<p>Dave,</p>
<p>&#8216;The gap between rich and poor is widening and it is something the government have to address&#8217;</p>
<p>Going slightly off this topic, can you reassure me that the 100 or so high earning States employees will not receive their &#8216;compensation&#8217; payments if the pension scheme is changed?</p>
<p>I bet you can&#8217;t.</p>
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		<title>By: Dave Jones</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-222694</link>
		<dc:creator>Dave Jones</dc:creator>
		<pubDate>Sat, 05 Jan 2013 10:45:19 +0000</pubDate>
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		<description>Scarlett

I agree with you ,the gap between the rich and the poor is widening and it is something we as a government have to address. I see couples and families every week who are both working long hours and still cannot make ends meet, they struggle with everything, utility bills, basic things like clothing their children properly and off island trips are simply out of the question for hundreds of families. My office at Housing dealers with hundreds of requests for help with cheaper housing and we do what we can. 

My board is due to discuss shortly the idea of helping people with deposits to get on the Housing ladder, as it is the one thing that couples and families struggle most to raise. I would like much more cooperation from the banks and morgage providers to issue mortgages over a much longer period, it never made any sense to me that most people can only secure a 25 to 30 year morgage when they work for 50 years on average, can you imagine how much more affordable it would be spread over double the period?

We need to tackle the high cost of legal fees and do something about stamp duty in order to get the housing market moving again.

So we are not sitting on our hands at housing and we have a saying that says &quot;any day without progress is a wasted day&quot;








We are looking at different ideas all the time to see what we can do to help

I am not making any promises at this stage but it is something I am keen to persue.</description>
		<content:encoded><![CDATA[<p>Scarlett</p>
<p>I agree with you ,the gap between the rich and the poor is widening and it is something we as a government have to address. I see couples and families every week who are both working long hours and still cannot make ends meet, they struggle with everything, utility bills, basic things like clothing their children properly and off island trips are simply out of the question for hundreds of families. My office at Housing dealers with hundreds of requests for help with cheaper housing and we do what we can. </p>
<p>My board is due to discuss shortly the idea of helping people with deposits to get on the Housing ladder, as it is the one thing that couples and families struggle most to raise. I would like much more cooperation from the banks and morgage providers to issue mortgages over a much longer period, it never made any sense to me that most people can only secure a 25 to 30 year morgage when they work for 50 years on average, can you imagine how much more affordable it would be spread over double the period?</p>
<p>We need to tackle the high cost of legal fees and do something about stamp duty in order to get the housing market moving again.</p>
<p>So we are not sitting on our hands at housing and we have a saying that says &#8220;any day without progress is a wasted day&#8221;</p>
<p>We are looking at different ideas all the time to see what we can do to help</p>
<p>I am not making any promises at this stage but it is something I am keen to persue.</p>
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		<title>By: Dave Jones</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-222686</link>
		<dc:creator>Dave Jones</dc:creator>
		<pubDate>Sat, 05 Jan 2013 10:29:25 +0000</pubDate>
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		<description>Hallo Sean

Sean was a very hardworking and valued member of housing for four years, i was very sorry to loose him. He better than anybody knows the huge dilemma that faces us in this department every year. The demand grows and as private rental becomes more expensive, more families find themselves pushed towards social housing provision.

Which is why the States must try and help financially those struggling in the private rental sector. It is the cheaper option in the end, I can assure you as we will never build our way out of the problem.</description>
		<content:encoded><![CDATA[<p>Hallo Sean</p>
<p>Sean was a very hardworking and valued member of housing for four years, i was very sorry to loose him. He better than anybody knows the huge dilemma that faces us in this department every year. The demand grows and as private rental becomes more expensive, more families find themselves pushed towards social housing provision.</p>
<p>Which is why the States must try and help financially those struggling in the private rental sector. It is the cheaper option in the end, I can assure you as we will never build our way out of the problem.</p>
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		<title>By: Scarlett</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-222500</link>
		<dc:creator>Scarlett</dc:creator>
		<pubDate>Fri, 04 Jan 2013 19:01:57 +0000</pubDate>
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		<description>thanks for your honest and comprehensive answer, Dave, it&#039;s a really tough one, I know, and on this issue, I do trust that you will take all factors into consideration.

It bothers me that we have the bizarre combo of small plots with slightly cheaper, &#039;too many&#039; homes on them (as someone else stated here), alongside plots that once were occupied by one small home, now harbouring an enormous millionaire-esk steel/glass carbuncle of the most massive proportions which take up every very expensive square foot of it with barely room to swing a Porche.

Maybe it&#039;s just me, but it seems the rich and poor divide grows ever wider here, with the rich who can afford to live here, local or no (and who can blame &#039;em, really?) becoming more and more removed from the &#039;average Joe&#039; very predominantly local populace, who increasingly, ironically, cannot.

It certainly will be interesting to see what the shrinkage of the finance industry and the inevitable reduction in States income, which will need to be shored up somehow to ensure the status quo, is retained to maintain out &#039;attractiveness&#039; to the wealthy, and what that does to our small island in years to come.

Off  to plant up some spuds an&#039; toms just in case, Dave, and not envying your job one bit, I do appreciate it&#039;s a virtually impossible one!</description>
		<content:encoded><![CDATA[<p>thanks for your honest and comprehensive answer, Dave, it&#8217;s a really tough one, I know, and on this issue, I do trust that you will take all factors into consideration.</p>
<p>It bothers me that we have the bizarre combo of small plots with slightly cheaper, &#8216;too many&#8217; homes on them (as someone else stated here), alongside plots that once were occupied by one small home, now harbouring an enormous millionaire-esk steel/glass carbuncle of the most massive proportions which take up every very expensive square foot of it with barely room to swing a Porche.</p>
<p>Maybe it&#8217;s just me, but it seems the rich and poor divide grows ever wider here, with the rich who can afford to live here, local or no (and who can blame &#8216;em, really?) becoming more and more removed from the &#8216;average Joe&#8217; very predominantly local populace, who increasingly, ironically, cannot.</p>
<p>It certainly will be interesting to see what the shrinkage of the finance industry and the inevitable reduction in States income, which will need to be shored up somehow to ensure the status quo, is retained to maintain out &#8216;attractiveness&#8217; to the wealthy, and what that does to our small island in years to come.</p>
<p>Off  to plant up some spuds an&#8217; toms just in case, Dave, and not envying your job one bit, I do appreciate it&#8217;s a virtually impossible one!</p>
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		<title>By: Guern abroad</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-222474</link>
		<dc:creator>Guern abroad</dc:creator>
		<pubDate>Fri, 04 Jan 2013 17:14:28 +0000</pubDate>
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		<description>I suspect it means that if you are provided housing that there are terms/regulations that you signed up to.
If you break those terms then there may be consequences.</description>
		<content:encoded><![CDATA[<p>I suspect it means that if you are provided housing that there are terms/regulations that you signed up to.<br />
If you break those terms then there may be consequences.</p>
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		<title>By: Guern abroad</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-222470</link>
		<dc:creator>Guern abroad</dc:creator>
		<pubDate>Fri, 04 Jan 2013 17:06:58 +0000</pubDate>
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		<description>Glad to read that all aspects are being looked at as a perpetual building approach is not sustainable.
Make renting attractive socially and affordable across both public and private sectors through means such as banding (this may help stifle the buy to let brigade who contribute to the problems).
Limit licences and push succession planning to replace license holders with already qualified individuals (as they are existing population) this would particularly be in the longer term license positions as this sector probably has the biggest impact on population growth.
Reinstate it is socially acceptable for families to share rooms growing up.
Kerb life style benefit choosers.
There are lots of prongs that could be used to tackle the housing issues many are directly linked to population control.</description>
		<content:encoded><![CDATA[<p>Glad to read that all aspects are being looked at as a perpetual building approach is not sustainable.<br />
Make renting attractive socially and affordable across both public and private sectors through means such as banding (this may help stifle the buy to let brigade who contribute to the problems).<br />
Limit licences and push succession planning to replace license holders with already qualified individuals (as they are existing population) this would particularly be in the longer term license positions as this sector probably has the biggest impact on population growth.<br />
Reinstate it is socially acceptable for families to share rooms growing up.<br />
Kerb life style benefit choosers.<br />
There are lots of prongs that could be used to tackle the housing issues many are directly linked to population control.</p>
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		<title>By: Sean McManus</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-222463</link>
		<dc:creator>Sean McManus</dc:creator>
		<pubDate>Fri, 04 Jan 2013 16:56:28 +0000</pubDate>
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		<description>Notwithstanding a few moans, this is clearly a genuinely good-news story from what arguably remains the States&#039; most successful department. 

It is also in marked contrast to the understandable complaints I&#039;ve heard today from staff in two other departments about the real practical problems arising from the (mis)launch of the SAP scheme.</description>
		<content:encoded><![CDATA[<p>Notwithstanding a few moans, this is clearly a genuinely good-news story from what arguably remains the States&#8217; most successful department. </p>
<p>It is also in marked contrast to the understandable complaints I&#8217;ve heard today from staff in two other departments about the real practical problems arising from the (mis)launch of the SAP scheme.</p>
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		<title>By: Island Wide Voting</title>
		<link>http://www.thisisguernsey.com/news/2013/01/03/savings-to-be-made-as-housing-asks-for-2m-less-in-funding/#comment-222442</link>
		<dc:creator>Island Wide Voting</dc:creator>
		<pubDate>Fri, 04 Jan 2013 15:17:52 +0000</pubDate>
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		<description>Scarlett

Local builders appear to have got into the habit of buying up detached properties with a bit of garden and whipping up 2,3 or even 4 rabbit hutches in their place,all at 350K-400K plus

Good for land conservation I suppose but certainly not for comfortable living space for an expanding family</description>
		<content:encoded><![CDATA[<p>Scarlett</p>
<p>Local builders appear to have got into the habit of buying up detached properties with a bit of garden and whipping up 2,3 or even 4 rabbit hutches in their place,all at 350K-400K plus</p>
<p>Good for land conservation I suppose but certainly not for comfortable living space for an expanding family</p>
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