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RichM

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Everything posted by RichM

  1. “Everything will be on the table because Britain will make proposals, and we will negotiate all these aspects with a desire to come to an agreement. “Britain won’t be in the same position as it was beforehand. Things will change. Things have already changed. We return to zero. As we say in France, a clean slate. “When we negotiate with a country, a third party, Norway, Switzerland to take countries that are very close, we discuss all subjects: under what conditions there is freedom of movement of people; freedom of movement of goods; of capital. “That is something that is very important for the UK with all the questions about financial services. So we discuss everything.” The French don't want full FoM either? http://www.telegraph.co.uk/news/2016/06/30/freedom-of-movement-reform-on-the-table-for-brexit-talks-suggest/
  2. I feel sorry for junior doctors. They work and study hard and all they end up with is a rented flat somewhere, or obscene debts. They won't enjoy the middle class comforts their consultants enjoy, unless their parents die young. The only comfort they have is that the Tories are in power and they can have a good whinge at them.
  3. Thousands of people? There was no rush of PCCs to claim CRLs before the Oct 2013 deadline. There won't be that many affected households remaining and the Charity Commissioners have said that churches can now let the CRLs go. The majority of churches don't want to start fights with locals, even though common law is on their side on this one. The emotive case outlined above was tricky and yes, had I been on the PCC, knowing what I know, I doubt I will have pursued the matter hard. But then I would let many grade I listed buildings collapse.
  4. It seems that the people in the case described above knew about the liability when they bought the land. And there was a Act from the 1930s on this issue, so it's not that medieval. What crucified the family in the case concerned was the legal bill, not the demand per se. The issue has largely been resolved now and it seems that there's a mechanism for people buy their way out of any exposure, if the PCC even decides to recognise the liability; up until recently they were obliged by law to take advantage of these overriding interests.
  5. At some point people must have bought these plots aware of the liability but presumably getting them at a discounted price. This is not "droit de seigneur" or offensive to individual consciences but contract law - you can buy this plot of land on the understanding that you have a liability to the local community, i.e. maintenance of a particular church building. If this didn't come up on searches it's down to shoddy systems and solicitors but fundamentally it's just contract law. Terrible for people being stumped with these CRLs but not the church's fault; they, like any charity, have an obligation to look after their assets. I am sure there's plenty of people with only a few years left on their leasehold, but it doesn't mean that because leaseholds are a very old bit of law they should be disregarded. Declaration of interest - 7+ years on a PCC. My experience is that many church buildings were funded by individual donations at some point in the past 200 years. The buildings are expensive to maintain and paid for by congregation members, and certainly not the government/tax payer.
  6. We need more sense of creative destruction. My great grandparents were leather workers. No one mourns the passing of those jobs. If some business, e.g. farming, cannot get the poorly paid pickers it needs it can invest in some clever kit that increases productivity, increase wages or get off the horse and let someone else use the land. Otherwise we're just subsidising the wretched farmer.
  7. Moving new staff to USS I think. Also depends on who the employer is, uni or college. Now do pass the port along old chap
  8. Good for the yanks. Especially their kids. I don't think we'll have cleared the deficit by 2020.
  9. AST doesn't bother me too much, it's the subsidies for people who borrowed too much, artificially low IRs and the limits on building that do my head in. Rent controls also distort the market in odd ways.
  10. I'm in the East of England, a lot of agricultural work, it makes the media from time to time. Jolly nice Eastern Europeans turn up for Mr Asparagus farmer, work crazy hours at a high intensity. He gets to sell his asparagus, they get minimum wage (ish). This is seen to be a good thing, as the poor farmer wouldn't be able to sell his produce without the "hard-working immigrant". What's not costed are the services the immigrants use, and which the farmer's tax contributions clearly won't cover. Farmer does alright, M&S has asparagus on its shelves, all subsidised by central government. No investment in local staff or tools for more efficient harvesting. I just see migration dragging out the distribution of low salaries in this country. And then the socialists complain about our GINI coefficient or whatever...
  11. Paid in full, Eric B and Rakim? http://m.youtube.com/#/watch?v=E7t8eoA_1jQ&desktop_uri=%2Fwatch%3Fv%3DE7t8eoA_1jQ
  12. Country House, Blur? http://m.youtube.com/#/watch?v=gpuh1WE-RVw&desktop_uri=%2Fwatch%3Fv%3Dgpuh1WE-RVw
  13. Presumaby they want moreKeynesian stimulus?We've been stimulated enough I believe; record personal debt, corporate debt, and public debt, along with colossal liabilities, rapidly aging populations and swathes of red tape, don't suggest that we will rushing to large growth any time soon.
  14. There's loads of things that stifle innovation. High land cots must be one of them, but massive government regulation is another.The reams of law and regulation that exist only serve to make it easier for big companies to dominate markets without fear of competition arising. Making it easier for small companies, that don't have large HR teams or solicitors, to enter markets will drive innovation AND reduce the profiteering that goes on.
  15. I don't follow Winnie. More houses means lower house prices, rents, or even both. That is a good thing, Shirley?
  16. If new houses go to BTL it all helps to reduce rents. No bad thing in my mind, still helps to undermine prices.
  17. http://www.telegraph.co.uk/earth/hands-off-our-land/9947318/Planning-ministers-war-on-the-countryside.html
  18. I think it is to encourage builders to build.If they know the mortgages are there, they will be build. might actually help to bring prices down if there was a lot of building as a result
  19. No nuclear or barrages because of the environazis.
  20. We got kicked out of our rented house 6 weeks before we had our third child. As we paid full market rent I guess we are entitled to no sympathy.
  21. Genuine question, what do you see as the upsides for the UK? I am very negative for the future, but open to other views.
  22. "I just decided to join the madness when I realised I cannot beat it" Good point Lion, and pleased it's worked out for you. I have spent the last 8 years pursuing my career and having children (not aimed at you Lion, I'm you have too). We -might- have been able to buy a flat in 2004, but it would have been 1 bed, and not conducive to our other goals: getting rewarding jobs across the country where we've learnt new skills and being to start a family. After that point we had no option but to rent. I think the line has been quoted on here for years - the market can remain insane longer then you can remain solvent. Going with the herd -was- the better option. I certainly did -not- predict that the UK would be so reckless with its currency, debt levels, malinvestment, etc. But that's crop of politicians we currently have. At some point "reality" will kick in and then we're all fornicated. HPC it seems, as in the website, is now about survival and the future of the UK, many cannot afford to buy and are just hoping for a better life for their kids. We might buy if we can get a bargain as I don't trust the banks to protect our savings and I'd like somewhere to bed down for the coming storm where I cannot be kicked out by a landlord. We have an area in mind where we have a lot of social capital - my signature gives you the clue - and where we (especially my wife) can likely find employment; certain services need to be continued. Do your own research - but women and children first is on its way.
  23. Don't mind BTL if they're building NEW homes; that would just pull rents down. BTL at the moment only works because some richer folk, or chancers, are getting access to finance while poorer/younger people cannot. The BTL bubble would collapse quickly if there was large amounts of building, an IR rise, or both.
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