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LiveinHope

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Everything posted by LiveinHope

  1. Average county salary is £25k, which is probably just the floor set by the state's tax credit salary
  2. Where I live, the people who consider themselves to be the type you cite, those with a signature Audi and a Bmw on their drive, have been paying £600k to own a Taylor Wimpey on a new build estate. In the '70s these, houses would have been the first step up after a council estate and would have been occupied by the local civil servant, independent accountant or small shopkeeper, and the signature car on the drive would have been a Lelyand Maxi or a Vauxhall Viva. My sense of reality, albeit suspended, suggests that I cannot see these properties holding their appeal long-term to the type of people currently owning them. Surely, scales must fall from eyes at some point? And then, who will afford them, or buy them, without a massive price correction? And if so, how will the current owners sell without downgrading their expectations to a 2-up 2-down, and a Hyundai i10
  3. I'd agree about the BTLers fear, but I think it has yet to roll out to the masses. Currently, I'd say that the masses are 'confused', a new stage perhaps Return to normal Confusion Fear
  4. Based upon the original graph, I think we are about to enter Fear having had an extended false plateau at 'return to normal'. Personally, having never taken on any debt and saving for a rainy day etc, I'm already at fear and I am anticipating despair. It's certainly made me give up working for anyone other than myself.
  5. Is it simply because the demographic has altered ? Seaking as a bloke, their market for sports jackets, corduroy, pique polos, lambswool sweaters may have all of those that they need and the younger generation buy quite different clothes, and may now never migrate to jackets and cords. Outside 'outdoor wear', hiking etc, I haven't bought any new clothes for at least 10 years. M&S provide a different clothing offering to pretty much all other on the high street, but perhaps there just isn't sufficient, continuous demand.
  6. Proof, if needed, that you can get the British public to believe anything with advertising. Mind you, I'd usually buy a joint of brisket and dice it up for a casserole with dumplings, as it's cheaper than buying pre-diced stewing steak. Perhaps I should serve my casserole with roast spuds and go 'up-market'. Oh well, brisket will now be another 'waste product' that will rise in price due to media hype, following goose fat, belly pork etc.
  7. Isn't it liberating. I've always underachieved so much
  8. I took heart from the praise signalling his obit. "You did a great job Mark, will that do for your CV? now quietly, please shove off". Commenting upon your other point, I know the system doesn't like me as it did nothing for me but take from me. In response I've gone as much under the radar, and as self sufficient, as possible.
  9. Carney tremendous as BoE chief, says business secretary Bye Bye
  10. I agree wholeheartedly, but on the other hand, I wonder how much of my savings are a result of the excess money poured into the system, so should I take a haircut? But if I take a haircut, I certainly expect those without savings to be in debtors prisons or growing my vegetables.
  11. Talking down Britain or "being negative" is something we seem to have made into an almost art form in recent years. I live in a UK city where the usual public sector responses to any initiative are "It won't happen" or "It won't work" or "We won't raise the money" and it's a self-fulfilling prophecy and a downward spiral; I feel that these people want 'initiatives' not to happen to be proven correct (or to save them a bit of effort). For that reason also, Carney needs to go.
  12. I voted 'yes', but I really wanted to vote 'no', as sacking is quite insufficient
  13. Well, it's fine and dandy for Carney isn't it, and his mates who can afford a bit of inflation Apologies, I know this isn't a very erudite post, but I heard his announcement on the radio after a tough day and this image sprung to mind and I felt I could be driven to violence.
  14. You mean you'd like to be entitled to reasonable things because you earned them rather than entitled to unreasonable things because you didn't? fair enough.
  15. It's more efficient for several reasons. you get more efficient use of grass than having the stock wander around on it, and keeping cattle indoors they don't waste so much energy wandering around or on shivering, and then there is the ease of management as feeding, strawing down etc is all mechanised and can be done with much less labour than before. Mechanisiation and quad bikes also mean that farmers do much less walking these days, but still take in about 4000 calories a day, with inevitable consequences. It's all cost driven. I'd argue it's not as good though
  16. The change/decline in dairy has changed the look of the countryside with respect to cows in fields. With respect to beef, with the exception of extensive store bullocks, most bull beef is reared indoors to maximise growth rates and is usually slaughtered between 12-14 months to be profitable. Stores can be 18 months or more. Empty fields of grass and fields or barley, maize and peas/broad beans are there to feed the housed beef.
  17. Maybe, depends upon how we manage it. Personally, I'd never buy South American beef.
  18. All the farmers I know would like to replace subsidies with a real price for their produce. At the moment they get given money and then see crap prices for their produce, and it's the latter they 'feel' because that reflects how their toil is valued. As a consumer I would like an end to subsidies too, even if the consequence is higher food prices that properly reflect the cost of production, providing of course that my taxes reduce accordingly. One of the many reasons I voted for Brexit. I'll likely be disappointed. I'd like to think that that higher food prices would also mean that food would be better 'valued' and there would be less waste.
  19. Where I live, which is nimby second home owner land, new housing developments have been popping up all over the place over the last 12 -18 months. Not seen the like of it for 20 years. (A few by the big builders, some by medium 'county-scale' builders, and some by ex-council builders, in the latter developments most homes are for rent to locals, one house is sold on the open market to fund the development, and the landowner who 'gave the land' is given a house to do what they want with) Developments by big and middle-scale builders are sold at local market rates, which for a 2 bed terraced seems to be £300k and rises to £600k for a 6 bed (one ground floor, 3 middle floor and two in the attic) detached, which is 12-24x average salary in the county. Now, I don't know the land prices on these, and I'd expect the land to be expensive, but I'd still imagine that the profit is considerable. So I'd imagine there is plenty of scope for the builders to reduce prices without any state help to sell.
  20. being bloody difficult could just mean 'not agreeing with Ken Clarke', perhaps a euro-skeptic ?
  21. Well, perhaps if he leaves a job he doesn't want to look back with any regrets. so better to make sure it all goes to hell in a hand cart after you leave !
  22. Perhaps they decided to stick together to win the chance of a second term. It could be very well managed by a particular wing of the party. For example, I am convinced that May was pro Brexit but kept her powder dry. I think May's personality is the type that will never express their personal opinion, one where you will never know what the person thinks until the moment they speak or act. She follows the mantra that Quiet mice eat the most cheese. May gave a very interesting interview on the R4 Today programme this week in which she elegantly parried every question with an answer that said nothing, which you could say was usual for politicans, but May executed it very elegantly indeed.
  23. The 4th bedroom was clearly intended as the dining room. It's remarkable how it has now become 'cram as many people (bedrooms) in as possible to make it sound like a big house for the price". Recently, I calculated that if every bed was occupied in the 'top' £600k house in a new-build Taylor Wimpey estate near me (£600k for a Taylor Wimpey FFS), that each person would have about 1sq m of personal space in the living room if they were all watching Big Brother together at the same time.
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