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DavidSWP

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Everything posted by DavidSWP

  1. It's very difficult to start a business while working a 40, 50, 60 hour week. The people who start businesses are generally people who don't have to work and have that safety net and the time and breathing space to develop a business idea. One thing I notice again and again are the amount of entrepreneurs who have a great maternity/paternity leave package and say that they started their business while on maternity leave. In Sweden especially where I work people get about a year off (male and female) and they often use the time to start a business of their own.
  2. Does anyone know what the process is likely to be for people who had funds deposited with Alpari UK? I had a few hundred quid in an inactive spread betting account (no open positions). Their login page now just redirects to the message about them closing. As far as I understand it, I shouldn't have lost it due to it being in a segregated account and governed by FCA rules. Do you think I'll have to claim it somehow?
  3. Penwortham is really underserved with shops. Its just a main road with a few crappy shops and then council estates, bale hostels and mixed housing. And it's built on a bog.
  4. I haven't watched videos yet but I agree. Most people are unlikely to want to risk losing their house starting a business because there are no such things as unsecured business loans really. I have loads of business ideas, some of which are pretty low risk, but I would never take out a loan to start them up. I would only do it with an disposable income or a disposable proportion of savings I had built up. I suspect most people would be the same and it seems strange that the economy and society celebrates only risk-takers. There is no reason that normal balanced human beings can't set up a
  5. It's a bit different in that in Sweden you have far fewer rights over the apartment you paid for and the tax you pay on an owned apartment + the mortgage is vastly more than the rent you will pay if you are a native Stockholmer and got a social housing apartment. In the UK renting may also be cheaper, but not much in most cases + if you buy you have many more rights + prestige. Having a rented apartment in Stockholm having been on the social housing queue for a number of years is actually the most prestigious thing in Stockholm. In the UK if you rent you are regarded as scum. When I ask pe
  6. I work in Sweden every week (Stockholm) - lived here for 7 months last year and was looking at buying property. The strangest thing about buying in Stockholm is that if you buy an apartment (most people live in apartments) which will cost you say 3 million - 5 million SEK (£300K - £500K) for a modest apartment, get this - YOU DON'T EVEN OWN IT! You buy are buying shares in the company that owns the building and own the right to occupy one apartment. All rights you have on this apartment are severely limited - If you want to rent it out legally, they may let you do it for 6 months but if you
  7. Got it in one. The FMOTL position is valid in my opinion but it will simply be ignored, laughed at, ridiculed and it will land anyone who follows it in destitution or prison. The whole system is sown up pretty tight and you will only get away with such arguments if you are rich or influential.
  8. Well they certainly aren't built using road tax or fuel duties. It goes into one big pot and could just as likely be used for war mongering. We should receive an itemised receipt for what we are spending our money on - think about it.
  9. I am not missing the point - I know its a bias towards married people, that's the very point of it. The conservatives are very fond of reminding us that raising children within a marriage is most beneficial for society and on one hand they try to encourage marriage, so that's why it beats me why they are doing this. In theory I am quite pro-marriage but really there are massive financial dis-incentives to it especially if one person stays at home to bring up children and be a homemaker, or just earns a lot less than the main bread-winner. If you are the bread-winning spouse you have a mas
  10. Are spouse's pensions really paid to spouses who are younger than the UK retirement age? I think that they should be changed so that the spouse can only claim them when they are at retirement age. I'm amazed that this isn't the main point.. There is nothing unreasonable at all about a Spouse's pension even if the spouse never made any NI contributions and its definitely not a loop-hole or anomaly. If a spouse has been bringing up children and a home-maker in the UK then they have contributed to UK society. Some would say that home-makers should be paid. If the spouse has never stepped f
  11. If so then yes definitely. Why does an annuity cost 20-30K though? Is it because people can live past 95 (retirement age + 30K @ 1K per year assuming the investment makes nothing). Surely some scam going on because the average age of death for a man is about 78. If you retire at 65 (now 67) an annuity can't possibly be more than about 12K even assuming the investment makes 0 profit.
  12. Yes I agree totally. Someone else said in reply that their house would be worth around $1 million though but its actually worth about 260K - I said Lancashire remember! I think they paid about 5-6K for it in 1978. My Dad was a teacher and not a fancy one, I think he was 'head of year' once - a bit like being a 'team leader'. My mum didn't work a lot of the time. I earn about 45K (about 65K atm because working abroad so get lots of bonuses) and I would still need some very dodgy mortgage to buy that house. Actually I am lying because I have about 50K savings so I could probably get it
  13. I never thought my parents were typical boomers based on a lot of things written on this site, however on the poll criteria they are I suppose. Their first house was a small 3 bed semi in Lancashire but I suppose even that would be out of reach as a first house for most people these days. Second house was a large 4 bed detached which was bought when my Dad was about 34. I am 38 and have a job paying 3 times what a teacher his level earned and I could not afford it. Dad (Teacher) retired around 55 I seem to remember and my Mum about the same time. They didn't take lots of foreign holidays
  14. I believe equity should be taken into consideration when deciding if a home owner receives mortgage interest assistance. This should be along the same lines of savings held by a renter to make things fair.
  15. I always found RyanAir very good and much cheaper than alternatives albeit needing to fly to airports that are a bit out of the way and need to uses buses afterwards. I travel to Stockholm each week and the flights from Manchester (SAS/BMI) frequently run to £650 return (average about £350). Ryanair average about £150. Ok so it takes an hour longer each way because Ryanair flys to Skavsta which is 1 1/2 hour bus away and SAS flys to Arlanda which is 30 mins away. Also on Ryan air if you get there earlyish and get priority booking (about £5) you can typically get in the seats that would be
  16. Does it include those Charles Eames chairs in photos 6 and 7? They are probably worth more than the appartment http://www.heals.co.uk/armchairs/vitra-lounge-chair+footstool-black-by-charles+ray-eames/invt/700323?source=119_74 http://www.express-furniture.co.uk/item--Charles+Eames+Inspired+Office+Chair+Low+Back--EFW-DO802.html
  17. I still save, I don't share my car allowance or bonuses with her so my personal account is building up but not near 2K, more like 1K because I put 1.5K into our joint account each month and it all disappears on her visas and shoes and holidays. But basically yes, she wouldn't be happy with my lifestyle choice if I decided to do that in a few years, I doubt many women would. I am working on her though (she is now my wife and living in the UK) but I think having kids will put paid to my current amount of saving. I think I've convinced her to get a job in ASDA now so she may buy her own shoes
  18. I agree it's low but if you earn say 25K and just living 'hand to mouth' and then get a payrise of 5K a year (say 3K after tax), then you can have 2 or 3 very nice holidays a year extra or do a lot more of what you want. Once you break out of the 'covering your expenses' salary just a change of a few K is massive. I live in Preston and went from working for a local firm BAE Systems and about 29K a year and living in a shared house and saving nothing, to working for a company down south (still living in Preston) and on about 50K and 65K with bonuses. I could save 2K a month easily if I kept
  19. Sweden is very nice and the Scandinavian countries have heavily planned economies. Maybe it can never be as good as a truely unplanned economy but unplanned economies have a habit of becoming planned economies pretty quickly due to a mixture sensible measures and corruption. Mostly corruption in the UK.
  20. The national trust is nonsense. Most of the buildings they 'preserve' were knocked down five times in the past and/or converted into new uses with extensive alterations and rebuilds. They just stoppped evolution. Apart from that they want people to pay £5 to walk past some ruined castles on the coast that are surely the people's property now.
  21. Wow I thought it must be in London or a nice vibrant town and clicked on the google map, zoomed out - Bradford and its a flat not even a house!
  22. I thought Lotus and then found they were Malaysian Complete list of car companies headquartered in UK followss, not no big volume names and only big name is Aston Martin: AC Cars AC Cars United Kingdom AC MKVI West Norwood n/a Alexander Dennis Alexander Dennis United Kingdom Enviro 200Dart, Enviro300, Enviro400 Falkirk n/a Alexander Dennis Alexander Dennis United Kingdom Javelin chassis, R-Series chassis, Enviro300 chassis Guildford n/a Ariel Ariel United Kingdom Ariel Atom Crewkerne n/a Ascari Cars Ascari Cars United Kingdom Ascari Ecosse, Ascari A10 Banbury
  23. I wonder how much of a hand in this big insurance company lobbyists had? The fact that these people think that someone is a more dangerous driver because they have no insurance just shows how stupid they are. There is no cause and effect betweem the two but most of the sheeple believe 'no insurance = attempted murder', this just shows how successful the brainwashing is/ If anything having no insurance makes people more careful drivers. I know when I've had no insurance at times I am much more vigilent. The real reason for having no insurance is that it is not affordable to many people (es
  24. True but that's still the fault of the public sector for not gettting value for money and efficiency out of them. Just another example of tax money thrown down the toilet.
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