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House Price Crash Forum


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Everything posted by Tummybanana

  1. On the one hand, they shouldn't have put themselves in this position. On the other, is it really going to be worth the amount of taxpayer's money it'll take to make these available at will? I'd rather see a national database of expenses, I think, like the ONS, where individuals can download datasets.
  2. Who's our Walter Rathenau? Adam Applegarth? Fred Goodwin? Except of course, that Wally was a decent human being made scapegoat because of his lack of foreskin.
  3. "Oi've over leverarged moiself at 6* moi income - 90,000 enough for you?" Seriously, if they're not making money, the only people who'll be interested will be locals, so I reckon there's some serious price crashes heading the way of Kernow.
  4. Fixed. Although I still maintain he has Conservative links. Probably spitting feathers over Ken Clarke's appointment.
  5. You get to choose your own bedtime? If I so much as say "Just a minute" whilst finishing off a witty post, I get a huffy response. Her rationale is that I can't go to bed without waking her up, so I either sleep alone or come to bed with her. If I take the former option, although presented as a value-free choise, the next morning's hell.
  6. Oh, hang on. . . http://www.lombardstreetresearch.com/about_us/founder.html But also. . . (No excerpt needed; point's in the title) http://www.telegraph.co.uk/comment/3636178...eron-stays.html
  7. It's Nebulous, but enough so that I don't need to go back and make a grovelling edit. "Tim Congdon is an economist and writer, who served on the Treasury Panel of Independent Forecasters (the Wise Men) under the last Conservative Government "
  8. Hang on - 70 year olds? Why would a Job Centre be calling in people who are past the point of claiming work-equivalency benefit anyway, and are on the state pension?
  9. http://news.bbc.co.uk/today/hi/today/newsi...000/7841721.stm (Audio)
  10. You can only claim reduced Council tax for six months at a time, after which you need to be resident in the house for six weeks in order to claim. I have personal experience of this, having bought a house which has had the full discount already used up. In the end, despite not actually living there, the best we could claim was a 10% discount for being unfurnished. That'll last about a month. And I don't think it's as simple as locals = good, out of towners = bad. For example, someone could live there full time, but STILL send their kids off to boarding school, get everything delivered to them, commute to Truro and the like. Whereas if someone comes down for six weeks in the summer, they're more likely to use local produce, local providers, stimulate tourism and the like. Just playing Devil's Advocate.
  11. Buildings Insurance (I think) is a gem. I knocked a heavy bottle of bubble bath into our bath, which cracked the floor. The adjuster came out and said "Right, that's a new bathroom." They replaced the bath, but had to replace the toilet and sink as well. As this affected the wall, we got the wall retiled, and the floor done. A whole new bathroom because of a little chip in the bath - BRILLIANT!
  12. They really did pull out the stops to find a panto villain, though. In London (Boo!) Mayfair (Boo!) The head of a Private Equity Firm (BOO!) Who only goes there for three months of the year (BOOO!) Says he doesn't want his view ruined by people doing their jobs (BOOO!!) I'm sure there are people with legitimate concerns; such as needing access to their property, or concerns about infrastructure, and at the end of the day these people ARE paying Council Tax and not using Council Resources, so technically they have a right to have their voice heard. Of course, the council are under no obligation to take their viewpoint over those of the working community.
  13. That name does make more sense: I was wondering why a former shadow education secretary was commenting on this - I was walking the Dog at the time. Funny how he seems to have changed his tune: http://www.ft.com/cms/s/0/ddf4c35e-88e5-11...00779fd2ac.html
  14. "And they'd have gotten away with it, too, if it hadn't been for that pesky government revealing their losses."
  16. "THIS IS THEFT!" Of course, he also said how the government had taken over banks that would in five years time yield a tidy profit for the government. Which I think puts him off-message with the front bench, who are trying to say that buying the banks has bankrupted the country. Back to the hymn book, Timmy boy.
  17. They'd better not touch my tracker, or I'll get SEVERELY unethical on their buttskis.
  18. Old Vince was on there to point out the bloody obvious, though - the private sector screwed up. Wonder it TC has a lot of banking shares?
  19. Au contraire; more dialogue helps me to reaffirm my own beliefs. Not once have I said I disapprove of anyone's right to hold their views, as long as they don't impact negatively on society or human decency (Grime-Skint, I'm looking at you), and even if I do - so what? It's not as if my finger wagging can change a hair on anyone's head. By dint of placing ideas on a public forum, they're up for scrutiny, and hopefully make people think. Thesis + Antithesis = Synthesis and all that.
  20. Well, actually it's a trick question - neither "exists." Gravity doesn't "exist" it's just a word used to try and convey physical interaction between objects with certain properties. "Murder" doesn't exist; it's just a way of defining the will of an individual acting in a way which is beneficial to their short term or long term existence and flourishing, at the expense of the continued sentience of another. "Theft" doesn't exist, "Ethics" doesn't exist, "Slab" doesn't exist . . . but you get the idea. Well, potential rather than ability I'll give you. People in comas are a bit restricted in that way, for example. Right, so now we're saying that parents don't have a right to their own children - is that correct? So if you see a 6 year old child wandering around the streets, and you're short of a skivvy, you have the right to ask that child if they want to come and live with you instead? That's a slippery slope you're on, there. Why this need to make coercion of volntary on my part on spurious grounds? Come to think of it, I don't know where mine is, either. I can remember the number, though. You know the story of Bishop Berkely, don't you? He was asked whilst walking in the woods what he thought of the theory that life was naught but a dream. Berkeley then kicked a rock, severely bruising his foot. "I refute it thus!" he cried. That's your argument. Not Cartesian dialect, but blind dogma. How high is your Hubris, that you think that you have the right to opt out of society whilst reaping its benefits. I've said it before - you're like the sulky teenager who's asked to do the washing up and says "I hate you! I didn't ask to be born!" before storming upstairs to his nice warm room playing on an XBox he didn't buy.
  21. He meant pensions linked to RPI. I've got £1,000 in an FSP which is linked to RPI. Kind of a running joke in our household. Of course, one could argue that if socks are going down from £1 to 90p, then it doesn't matter that the pensioner's income has also gone from £1 to 90p. The issue is that neither CPI nor RPI actually reflect anyone's real spending.
  22. Now, I'll defend the TV licence to the hilt - it pays for infrastructure and commercial television is usually pants. However, the methods used by the TV license people are sh1t. We got into our new house (which has been unoccupied for 18 months) and found a letter looking VERY similar to a Court Summons, except that it said "you may get a" in front of it. Scared the ar53 off me, it did. I always assumed that they used sophisticated measuring devices, but no - apparently they just get lists from people who deliver TVs and use lapsed customer lists. There's no email, no telephone number, and if you want to tell them, you have to write (not even freepost mind you). We're not moving in for another month, so going to see how far we can take it.
  23. Fine; what was here first - the adult formative body of cells that refers to itself on an internet message board as Injin, or the idea that some form of centralised government is necessary in order to empower and protect those within a certain geographic boundary, and that said protections and empowerments won't occur without due taxation to pay for them? Your reach greatly exceeds your grasp. Because you are physically able to go somewhere does not mean that others are not physically able of stopping you. A body is merely a possession, as is land - but you would no doubt take exception to someone trying to 'trespass' within your body. You own nothing more than you can claim and defend. All other concepts of "rights", including Human Rights and Property Rights is "Statist Infrastructure." Yeah, it's called "Marriage." Your parents signed a register when you were born. That means that they REGISTERED you as a future citizen of the state. Blame them for not registering you in Somalia, or somewhere they don't have a mature state infrastructure. The state provided health and education for you until you reached the age of majority. Of course, then they gave you a National Insurance card when you reached the age of majority. Still got that? That's your contract with the State. That's you saying "I agree to abide by the rules of this country; to work to the best of my abilities, and to pass a share of my earnings to support the infrastructure to make that possible, on the understanding that when I fail, or are unlucky, the state will provide support to me to put me back into the workplace. If I choose not to contribute to society through will rather than fortune, then I submit to any punitive measures the State deems fit. I realise that I have the right to leave this country at any time."
  24. Who was here first? You, or the State? Who was here first? Your parents, or the State? The State is made up of the will of the people - or at least their apathy. You are not the owner in your analogy; you are the interloper. A man gets home and finds someone in his house. He hasn't asked for that individual, but he needs some help about the place, so he lets them stay. The individual sets up a business selling things on ebay. He uses the man's internet account, computers and address. He does pretty well for himself. One day, that individual decides that they're not going to pay their way anymore, but they still want to stay in the house. The man's not happy about this - after all, it costs to keep this individual in his house. He asks for some money to contribute. After all, this isn't the first time it's happened. Other individuals have come before, who haven't been able to set up their businesses. But this is a case of "won't pay", rather than "can't pay". Eventually, he tells the individual "Look, if you're not going to contribute, can you find someone else to sponge off?" The individual starts making a fuss, and eventually Her Majesty turns up. "Look," she says, "If he REALLY wants somewhere to stay, I can put him up at my pleasure."
  25. What commission/handling rates do you have on your gilts; or is it a matter of the Sell price not reflecting the Buy price?
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