RentingForever

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  1. Every five years whoever is in power discovers housing is a big issue and promises to do something about it. But since the Barker Report in 2004 (key message: build more houses) it's just been lip service with the occasional price-increasing 'help to...' scheme. This will be the same. Some nice sounding promises but housing essentially kicked into the long grass for the next government to pick up.
  2. women as victims

    MPs shouldn't make unpleasant, personal sex-based comments to other MPs. Like that time an MP said she would be a better PM than May because unlike May she had children, and childless people have a worse understanding of the world. Who was that again? Andrea someone....
  3. 1/3 have no Pension Savings

    Some of the assumptions on this thread seem over-generous to me. (A) You don't need a pension of £25k+. I earn £45k. Once you remove svaings, rent/mortgage and pension contributions (none of which you ought to be paying on retirement) I reckon I can sustain my reasonably comfortable lifestyle on £1500 a month, £18k per year. (B) You don't need a pot of £500k. £18k at 4% annuity rates or 4% drawdown, and assuming you get the state pension of £8k, would need a pot of £250k. That seems do-able for most people. (C) You don't need 4% investment returns. Buying an annuity clears out your pot in return for guaranteed income. The equivalent would be drawdown over time from the pot (reducing to zero), not living off investment returns. Really, you just need it to keep track of inflation. (D) People spend less as they age Not in the first flush of retirement, when cruises suddenly become attractive. But later on, 75+. Most people at this age can get by nicely on the state pension or a bit more.
  4. 1/3 have no Pension Savings

    67 is only the state retirement age. If you have a defined contribution scheme - effectively just a pot of money - you can start to withdraw from it from 55. Not even by taking an annuity for the whole pot, you can just withdraw part of it as cash. IMO that actually makes defined contribution better than final-salary schemes. My public sector friends are on course to be getting a much larger pension than me, but only from 67 - 10 years later than me - by which time they'll be too physically knackered to do anything with it. (although I fully expect the Government to f*ck me over by changing it from 55 to 67 before I get there :-( )
  5. 1/3 have no Pension Savings

    It used to much more than £159 for earners, via S2P and SERP. The government stole all of that when they designed the new pension, in order to make it "fairer" (ie so that all the people who worked subsidise all those who didn't)
  6. Millenial Rail Card To Launch

    I save a fortune with my Network Railcard (a third off on off-peak travel in the Southeast, within an area bounded by Cambridge, Oxford, Reading and Exeter). if they're paying for this by scrapping my railcard I will not be happy!
  7. Blood Red Moon

    Here in Stevenage it looks like a post-apocalyptic landscape with zombies roaming the street under a decaying, diseased sun. So, not much change from usual.
  8. None of your business......

    I think we're agreeing violently! I don't mind them asking the question of everyone if the results are anonymised, collated and the resulting statistics used to identify areas where certain communities are getting worse outcomes from the NHS than they should. I don't mind my sexuality being on my record because yes, there are some medical circumstances where being gay is pertinent and I'd want my GP to have all the relevant information they need to give me the best healthcare. But that's my personal choice and I'd not condemn anyone who says no. I was simply pointing out that the patient-GP relationship covers many intimate areas and needs to be open within that conversation, but private outside it. But yes, I am coming at this from a position of trust that the level of data access and sharing of patient records is more tightly controlled than, say, HMRC records. If HMRC asked me I'd be much more inclined to tell them to bugger off. You're clearly more concerned with data misuse. I could be being naive; you could be being paranoid; the truth is probably somewhere in between. As to what would happen if things went back to how they were thirty years ago, I suspect my civil partnership already let that pink cat out of the bag. But then, if you're (straight) married you've already revealed your sexual preference to the state too.
  9. Your hot sexy-secretary uniform wearing interviewer would more likely be a Weinstein equivalent - obese, sweaty and physically coercive. Not quite such a hot fantasy now, eh?
  10. None of your business......

    It's fair enough to collect data about sexuality, so that the NHS can check whether a particular community is getting a raw deal for treatments (and the same argument applies to gender, race, religion, age...). But it should be at a statistical scale and anonymised, not an entry on your personal health record unless you want it there. Something like in recruitment, where a separate anonymised sheet is detached to compile statistics. Actually all that's being required here is for GPs to ask the question; we're all free to answer with the original poster's "none of your business". Personally, I'm gay and have no problem with my GP knowing that - there's much less stigma than there used to be (but ask me the same thirty years ago then I'd have said no), and I could see how it would help them in certain circumstances. But clearly you're entitled to tell them what you want and hold back otherwise. I just find it a bit odd that some people have difficulty with this particular question in an environment when most people reveal very intimate details - sexual dysfunction problems, STDs, gynaecological difficulties, mental health issues... Oh, and as to orientations, the current list includes lesbian, gay, bisexual, queer, asexual, and pansexual (*not* an attraction to cooking implements). But it seems there are more added all the time. As my nan used to say, "there's nowt so queer as folk" ;-)
  11. That's if you have to move into a care home. The Tory policy that caused the uproar was that if you didn't need to move into a home, but did need care provided in your own home, then the cost would be put as a charge against your house, to be paid back on sale when you died. So nobody would lose their home.
  12. Richard Dawkins — 'Gravity is not a version of the truth. It is the truth. Anyone who doubts it is invited to jump out a tenth-storey window.'
  13. Help to "Buy" (Sell) to be pumped up

    The next mis-selling scandal? Maybe they'll all get compensated/bailed out by yet another round of money printing?
  14. Investment banks, a proper industrial policy and support, a stronger voice for unions, rent controls, state-run railways, redistribution to the regions, fair taxation... So, Germany basically. very little of what he's proposing would be controversial on the Continent.
  15. The biggest lie the Tories have succeeded in getting people to swallow is that they are the party of clearing the barriers to let hard working people get on in life, restoring the meritocratic ideal of how hard you work is reflected in your lifestyle. They are not. Behind the propaganda (Thatcher was particularly good at this) they are, and have always been, the party of inherited wealth and keeping them rich.