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Everything posted by Radge

  1. I'd be grateful for your thoughts on this concept (?scam?) of Micro Equity Home Ownership. It looks to me like a shared equity scheme by another name but with an additional "charidee" element creaming off between the HA and the tenant. Worse still, it appears to be fronted by a failed BTL "magnate". The website oozes charidee-speak, "give us money" BS obviously aimed at public sector agencies with more money than sense and some quasi-religeous bolleaux thrown in for good measure. They give a downloadable spreadsheet ( Micro Equity Spreadsheet ) with lots of numbers but little explanation of the derivation. However, changing the assumptions from Savings Interest of 3% to 0.5%, property appreciation from +2% to -4.6% (ESPC Year to Jan 13) and Target Inflation from 2% to 3.3% (HM Treasury RPI Yr to 26/2/13) sends the numbers haywire. Saviours of the UK property market for low-income and homeless people or Scam of the First Water? You decide ... http://caledonianfou.../meho-in-action
  2. The hotel has not been built and is highly unlikely to be, same with the houses and golf chalets. The clubhouse is currently a portakabin-type structure. The winds off the North Sea have already started moving the dunes and destroying Trump's vanity project. The course will be lucky to survive 5 years. http://www.andywightman.com/?p=1367
  3. Radge

    Edinbugh Latest

    I'm not actually too sure that anything as substantial as concrete was employed in the building of these shanties.
  4. Have you seen this twit commenting on the strike? http://www.bbc.co.uk/news/uk-politics-13971770 NuLiebore leader or an Action Man with a string hanging out of his back - I wonder if he has gripping hands and eagle eyes too?
  5. People are canned for it in the NHS. If the employer told his insurance company then, according the Today programme on Radio 4 this morning, bizarrely the insurance company may very well have forwarded the dx onto a claims company.
  6. My eyes weren't good enough to spot that the wee cupboard in the kitchen is allegedly a WC. However, if the fecking kitchen is a palatial? 6' x 5' 5", then only a midget double amputee would be able to sit down in that loo!
  7. and is it still legal to shyte out of the windaes in Englandshire?
  8. Not at all bad if you're a total skank, or if you're a midget and there's a large Belfast sink in the tiny kitchen.
  9. It seems the apartment bit was their own money. Strange to spend all that money and end up with what looks like cheap tat from Ikea!
  10. Sex education in Staffordshire obviously leaves a lot to be desired if a 40 year old has unprotected sex and is then amazed to become pregnant. I believe sympathy still resides between shit and syphillis in the dictionary.
  11. I don't understand in the slightest. His domestic arrangements are only of public interest precisely because he defrauded the taxpayer. Had he not claimed back rent he wasn't paying, the general public would not have given a tuppenny toot whom he was living with. The Big Man - Are you a 13 year old boy who's just heard jail / poof jokes for the first time or are just as thick as pigshit?
  12. The 'victims' are not particulary sympathetic - mostly youngsters who want a place to shack up with the girlfriend / boyfriend. One daft cow is 6 months pregnant, in debt and in a private place they can't afford. What happened to personal responsibility in this country? That's not to say that the subletters shouldn't be fined the entire amount they have defrauded the nation and then some.
  13. Radge

    Edinbugh Latest

    Whatever happens to the lending taps, if they can't afford the fuel for the commute prices in these outliers will go down like Sarah Ferguson on a passing millionaire.
  14. This McLeod character is a hoot. Couple have £350K mortgage on London flat, £350K mortgage on New Forest cottage that burned down while uninsured (!) and want another £200K mortgage to rebuild the cottage. To try and make it sound 'exciting', just before the first addie break McLeod briefs the viewer that "they haven't agreed the £200K mortgage but have started work anyway, so they're spending money they haven't got!" They haven't got the £200K? Feckwit, they didn't have the £700K either!! They borrowed it, you numpty!
  15. Sometimes see these type of houses in Edinburgh. I call them a' fur coat and nae knickers hooses. The house price is the GDP of a small country but it's furnished with stolen office furniture and Ikea shyte that's somehow managed to stick together for more than 10 years.
  16. I've noticed over the last few days that any sites I'm on with adverts include an ad for Quartermile. Obviously their 'new meeja' partner's technology is smart enough to target folk in Embra, but not yet smart enough to target only the total feckwits.
  17. Watching it on C4+1. Comedy gold. I find it hard to believe that the fat bint and the bust baldie could still find feckwits like these less than a year ago. How brave will they be? As 'brave' as any other feckwit methinks.
  18. South Edinburgh Cheapest £125K: http://www.espc.com/buying/292939.html Most Expensive £485K: http://www.espc.com/buying/288877.html
  19. Why should a homeowner necessarily give two hoots about interest rates? Ah, I see. The author doesn't mean homeowners at all. He means folk who paying rent on the bank's money while they live in the bank's house.
  20. A cursory look at the thread in question and you'll see it was Firstplus. Does this Aussieboy trolling twit just pop up to pick fights?
  21. And the taxpayer is about to shell out another few billions in bonuses to the twats that lent to this daft bint!
  22. The National Trust only gives figures for those in excess of £60K per year: The numbers of full‑time/regular employees whose pay and taxable benefits exceed £60,000 fell within the following bands: 2010 £160,000–£169,999 1 £140,000–£149,999 - £130,000–£139,999 1 £120,000–£129,999 2 £110,000–£119,999 4 £100,000–£109,999 3 £90,000–£99,999 6 £80,000–£89,999 13 £70,000–£79,999 17 £60,000–£69,999 30 In 2010, 57 of the 77 staff earning in excess of £60,000 (2009: 57 of the 66 staff earning in excess of £60,000) participated in the defined benefit pension scheme (see Note 29). Contributions of £114,011 (2009: £43,999) were made in relation to 13 members of staff (2009: 8) earning in excess of £60,000 who participated in the defined contribution pension scheme. The members of this rip-off scheme must be off their tatties!
  23. Dry your eyes, Kenny. I think it's fairly obvious the bit of the "3rd Sector" that's getting it in the neck here is the bit that pays (usually wives of ..) a shedload. Go to the Guardian jobs site and search Charities by salary: Charities jobs by Salary None specified (279) Up to £10,000 (3) £10,000 - £15,000 (9) £15,000 - £20,000 (29) £20,000 - £25,000 (66) £25,000 - £30,000 (98) £30,000 - £40,000 (132) £40,000 - £50,000 (62) £50,000 - £60,000 (43) £60,000 - £80,000 (13) £80,000 - £100,000 (3) Over £100,000 (1) Around 120 current vacancies at > £40K and 4 over £80K ffs! Edited to add: The >£100K job is filed under Charity - Poverty Relief! You couldn't make it up!
  24. I've got a better idea. Tax the Charity Sector fat cats creaming off over £40K a year from their charities at 100%.
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