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House Price Crash Forum


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Everything posted by LiveinHope

  1. so, he overpaid Which you could argue he did as he outbid the last man standing, which was the wealthy abomination called the National Trust
  2. Here's an interesting one that draws together several housing related topics Mr Johnston from Oxfordshire bought idyllic Bantham Estate in South Devon for £11.5M in 2014. Mr Johnston also owns Great Tew estate in Oxfordshire About Mr Johnston's Bantham and Great Tew So Mr Johnston owns Bantham and some of Bantham Village. He now wants to build some houses, a leisure complex etc etc, having initially said when he bought Bantham that he was against new development. There is a near 8000 signature petition going against the development. You could say that is Nimbyism. But Bantham is unaffordable for any local and I very much doubt locals would be against affordable housing development. But according to the new landowner: Link How much does it cost to build a house when you already own the land ?
  3. I have a worrying suspicion that the average punter hadn't heard of ARM and so there was no pressure upon clueless, self-serving MPs to do anything. But shock horror, CARS, that's nostalgic and it makes the papers and TV, and so MPs run around like headless chickens thinking something must be done. I had genuine disbelief when I heard about the ARM sale on the news - it is one of those moments when I can remember exactly what I was doing, like the death of Di. And I have no connection to the industry. I often, really feel that those at the top are deliberately working against this country, but in reality, i think it it's just their stupidity, sometime corruption, and being driven by how they will appear in the media.
  4. Yes, many Public Sector workers got a shock in 2016 because the CPI was -ve in September 2015 when pension increases are calculated - so they got no increase. Nobody will be as well off as the boomers.
  5. i wouldn't mind the money but I'd hope I'd do more with it than their boring aspirations
  6. Oh well, if having pensions more than most people earn means you end up looking as conceited as John and Valerie or Bernard and his missus, thank goodness I'm poor.
  7. Difficult to do Cauli that way, but certainly cabbages, although the cabbages are still 4 people. to harvest, and they'll all have to be handled and graded again. I'd still say that when you add up all the costs of field preparation, fertilisers, crop 'maintenance' during growing, machinery, harvesting, distribution, marketing, retailing, and then consider what you pay at the till for a humble cabbage, and you will see both how input costs the farmer can control such as labour (as opposed to fertilisers and machinery for which you get a loan) are squeezed at every possible point, and why we don't really pay for our food at the till. Potato planting has been like that for a long time, harvesting still needs people though.
  8. Yes, add in the winter weather and the considerations become greater, you can't put just put heavy machinery on the land because of soil compaction.
  9. Quite, not the farmers' fault though, which is what this thread seemed to fall back towards. They are just working with what they are given, and who can blame them. Government and banks have harvested us all and continue to do so. In the UK we are too compliant. Compare the French farming industry for militancy, where it used to be said that the french valued their food and farming so much they'd put up with it and side with the farmers because everyone was only one generation away from the land. Take UK-produced turkey breasts. Bird flu 'exposed' the economics of the industry at the time. Eggs laid in the UK and hatched. Day-old chicks shipped in warmed lorries to Poland for rearing (cheap poultry food and labour, what quality on both counts though). Adult birds slaughtered and shipped in refrigerated lorries to the UK where the breasts were removed (and so produced in the UK), carcasses shipped back refrigerated to eastern Europe (Hungary, I think) to be ground up and turned into sausages. What do you pay for a turkey breast in the supermarket ?
  10. Very different land in the Netherlands to the UK, apart from Norfolk perhaps, and that's where our root crops are cultivated. Yes root crops can be harvested and stored in clamps. It's a combination of what we want to pay for food and the UK's cost of living (housing) that means farmers requiring labour (so outside grains, predominantly) are caught between a rock and a hard place. We could all work happily for less if the cost of housing was reduced.
  11. A couple of days of farmers pouring their milk down the drain would soon bring the supermarkets to heel. As with any dispute though you can't have any 'scabs', for it to work, therein lies the problem Similar for any crop. Taking cauliflowers again as an example, Field preparation can be done by one farmer and his tractor, but planting, and cropping unlikely. You are cropping from approximately 30ft either side of the tractor and throwing them to a couple of people on the trailer, at a minimum; think throwing heavy footballs all day long. The cauli all have to be selected by eye as they all mature slightly differently, their size varies, or they may have blemishes that means they're unsaleable. Cropping requires a minimum of 4 people, you can reduce it to 3 people and let the tractor drive itself up the row but I've seen broken legs as the driver tried to get back on and slipped under the wheel - heavy tractor, soft mud. Same for many winter crops that have to be harvested. Cropping cauli is similar to hacking through the jungle by machete. You can be doing this in horizontal, freezing rain in boots holding a few lbs of mud. They don't all come at once - a huge number of varieties that will crop over successive weeks from ~October through to May. Poor weather can knock out a particular month, however. The problem is marketing, the main Cauli area in the UK is the Southwest (also Brittany in France), you have to have your distribution which is where central marketing steps in. Cauli straight from the field are an object of pristine beauty - they have to be as they are 2-3days old by the time they are on the supermarket shelves. Cauli for sale in a Waitrose right next to the farm will have travelled many miles.
  12. The 'problem' with farming is so complex, and unsurprisingly, due to manipulation We now pay for our food via taxation rather than at the supermarket till. Food really isn't as cheap as it appears at the supermarket counter. We also seem to want to spend as little as possible of our money on food, while happy to pay a silly price for a pair of Nike shoes, so supermarkets aim to be the cheapest driving down farmgate prices. Land values have risen because of the EU subsidy for holding land The cost of living in the UK means that a higher labourers' wage is unrealistic when prices are being driven down and you can get cheap labour. I'm sure the farmers would like to pay more and recruit locally; if UK citizens are also willing to stand in mud in mid winter, when we have largely moved away for enjoying that situation. Farmers like to farm, like their produce to be valued and like to stand on their own two feet. they aren't allowed to do so and so have no option but to play the game. I'll give an example of the cost of cauliflower production Cauliflowers (actually mainly broccoli in this country and brocolli is actually calabrese, but that's another story), are hugely intensive. The land has to be Seedling production 1) Seeds produced 2) Seed bed ploughed 3) Seed bed rolled 3) Seed bed harrowed 4) Seed bed rolled 5) Seeds sown Land prepared for planting 6) Land ploughed 7) Land rolled 8) Land harrowed 9) land rolled and probably rolled again as you need compacted ground 10) Seedlings have to be pulled by hand and tied up into bundles, and transported to the filed for planting 11) Seedling roots dipped in fungicide 12) Seedlings planted by hand 13) Seedlings weeded 14) Seedlings sprayed 15) Seedlings weeded 16) Plants cropped by hand (tractor and 3-4 labourers, often to cut labour costs you'll let the tractor drive itself so the drive becomes a cropper and you jump on at the end of the row to turn the tractor, hoping your boot doesn't slip on the muddy step and you fall under the wheel) 17) Plants trimmed and packed in numbers for 16 to 4 in a crate depending on size. 16-12s go to supermarkets, the larger go to hotels. That's a hell of a lot of labour and inputs to produce a cauli How much do you pay for a cauli?, and think of everyone who takes profit after the farm gate The farmer also pays for the transport and the hire of the crate to get them to market I remember years when the cauli were left to rot in the fields because it simply wasn't economic to harvest them. After all your costs for transport etc were taken out you were receiving 12p for a crate of 12, and that wasn't 12p profit. What's a cauliflower worth ?
  13. Well, the title is completely wrong for a start. I was wondering how the hell do you own a home by 25? But then, upon reading, none of them do outright, which is what owning would mean to me and what most don't understand, until it's too late
  14. Not me, I have been listening to R4 Wembley Park Just on the Today programme R4 at about 07.16am £25kpa for a two bed flat, £20kpa for a 1 bed flat (rents include utilities and super fast broadband) The question John Humphries asked the spokesman for Wembley Park was "who are these flats for at £25kpa, who can afford them" The answer was that a two bedroom flat was for two to three people, in other words, 3 wage earners sharing, not a family, as the interview almost ascertained, if it wasn't for stumbling by the intreviewee who found all the questions awkward I must confess that I'm worried the failure to address house prices will see 'build to rent' rents rise to meet mortgage costs. I'm pretty worried about the future of housing costs in this country.
  15. I'm just thoroughly tired with people in more privileged positions thinking that they know what is best for me. Let the market behave as it should and I'll take my chances and so can everyone else, and may the best person win.
  16. My new vehicle is a Toyota Hilux Euro 6. So, not polluting with regards to NOx, and 33-40mpg (so not quite as good as my current Peugeot 206Sw 60mpg 1.4 diesel). As usual, I doubt any legislation will be well thought through but, like with everything else, the UK government will stuff me up.
  17. Having just bought my first new car in my life (in a long run of 2nd-hand diesels over 33 years of driving) the announcement doesn't surprise me at all.
  18. I'll knock them, happily. While I don't like paying more for anything than I have to, I despair that we strive to pay as little for food and so encourage the supermarkets to screw our food producers as much as possible, while we happily binge £500+ on a phone or £100+ on designer jeans, A Tesco Lasagne 400g Ready Meal is £1.00. After Tescos' profit, packaging, transport, all the ingredients, how much profit is left for the beef, or wheat, or dairy producer? Screwing down the food producers is the pathway to rubbish food and also explains why we have so many damn farm subsidies.
  19. Yes, you never own a home, you're just one of the house's owners, although now, with current new build standards, you could perhaps be the only owner. How long does it now take to get to the point where an individual can say "I don't have rent to pay to the bank" ?, and what sacrifices do you have to make to shorten that time. Right now, renting has to be the way to live life. More than ever it's live for today, while making sure you have a decent contingency fund. I read somewhere, it might have been on HPC, of two people that were having a conversation Person 1 age 50 "I plan to take time off and go back to work when I'm 70" Person 2 age 50 "That's all well and good, but what if you are to ill to go back to work when you are 70?"
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