The trend line has been dragged up by the recent rampant HPI. It will drop down as prices continue to fall, but it is a bit misleading as it shows us now being below trend although we are still well above average price to earnings ratio. I'll probably start looking to buy when price to earnings ratio gets near to 3.
I would have thought that borrowing more money in an attempt to turn around a failing removals business would be a recipe for disaster in the current economic climate. Far better to batten down the hatches and try to survive on the low levels of business. What stock do you have in a removals business?
Factoring is just another cost, effectively more borrowing, far better to run a properly capitalised business.
Try to steal from the rich and give to the poor and the rich will piss off and leave you with the poor.
Rather than your suggestion of 70% tax on the rich, I would suggest a standard tax rate that everyone pays on ALL income above the personal allowance.
Can you imagine the BBC talking about "getting on the property snake"? No way would they do that. So, to be neutral, they should stop talking about ladders too and just say "buying a house", or "taking out a mortgage on a house".