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olliegog

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About olliegog

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  1. this is interesting - sorry mumsnet again but some of them get it https://www.mumsnet.com/Talk/am_i_being_unreasonable/3288049-poor-people-being-priced-out? I get so angry at those who advocate buying up cheap houses in the north and becoming landlords. they seem to have a very skewed way of thinking
  2. what an excellent idea. It would mean I would pay far less council tax (about 50% less) than I currently do. 😮 However, areas where house prices are reasonable would find their take drastically reduced and they would not be able to cover the 'facilities' they offer to the inhabitants. It would work well in overpriced housing areas - such as London and big cities.
  3. Surely putting a charge on the home for social care (to be collected after death) was not threatening homelessness at all as I understood it. It would be written in the process - and if someone was so frail they needed a care home - the house would have to be sold anyway (up to the last £100 k). So far as I can see - it was nothing to do with 'dementia' - just labour trying to scare the voters and a crowd of ignorant social media ranters saying it was not fair. If I needed social care - I would a damn sight sooner stay in my home and pay (via my house) to have carers visit me there. I would still have £100k to leave to my dependents anyway (same with care home)
  4. wasn't this what cost the Conservatives to lose seats in the last election (the so-called dementia tax ) when they proposed that anyone needing social care in their home should pay for it - down to the last £100k and the up the current £23k to £100k for those in care homes. I have never understood why it was so hated - seems more than fair. Was it the snowflakes thinking they would lose out on inheriting 'the family home' and the associated windfall.
  5. olliegog

    2018 versus 1998

    you are not alone. I compare 2018 with 1968 when I was at university, students protested about real world things, there was no social media, cctv, a complete lack of 'victim' mentality and the envy/hatred of those who are perceived to have white and/or male privelige. The US attitudes to race, the SJWs and the virtue signalling was just NOT apparent. I came from a poor rural background ( father was a farm worker and we lived in a tied cottage). I had a grant to attend university and needed to work during all holidays to survive. There was not the sense of 'entitlement' that the young seem to have now without accepting they have 'responsibilities' as well as 'rights' in society.
  6. SOME endowments (mainly the later ones) were missold - mine was not and neither were lots of them sold at the time (late 1970s) - if mine was missold - how come I did not get compo (oh yes that was because it was enough to pay off the mortgage and give me some left over) I don't think you read what I wrote in my post - so I give up trying to explain
  7. I took out an endowment mortgage for my first house (£9K) in the late 70s - it was a better deal. When I moved I switched to a repayment mortgage (interest rates in double figures) but I kept the endowment on as a savings vehicle. The endowment matured (there was an early option available to cash it in) and it was worth around £20K ! they were not missold at all. Obviously later ones were sold with wild promises and bigger mortgages fuelling HPI in the meantime. I never took out PPI, I never took a salesman's words for fact and I feel that if financial acumen and common sense was taught in schools one would hope that the general public would not fall for the smooth talk of a bank lackey. I feel sorry for the generation who are now in effect paying for the feckless (or into BTL scumlords) IO mortgage holders who were greedy and pushed up house prices /rents to their current insanity.
  8. olliegog

    Local Elections 2018

    what you are missing with this analysis of yours is this was a telephone poll (and we all know how accurate they are) in this local election 2018 - great swathes of Tory heartland did NOT go to the polls - mainly rural/Conservative areas WHERE THERE WAS NO LOCAL ELECTION. 😮
  9. olliegog

    Local Elections 2018

    given that most of the country did NOT have a local election - the results do not represent any shift either way. e.g not Scotland, Wales, Welsh Borders, Cornwall and Devon (except Plymouth and Exeter), most of Yorkshire and East Anglia https://en.wikipedia.org/wiki/United_Kingdom_local_elections,_2018 that said most of the 'no council election' areas are strongly rural /leave/Conservative areas.
  10. olliegog

    Heads Up! 9pm BBC1 Tonight

    why does she need to live in London? my net income is LESS than hers - granted I have no mortgage but have to pay council tax /utilities, insurances etc. The point is she does not NEED to work 3 jobs - in fact because she does is probably why she is having to top up her rent and pay her own council tax. Maybe 3 other people who are younger could do those jobs instead.
  11. olliegog

    Heads Up! 9pm BBC1 Tonight

    the 66 year old (who by the way is a baby boomer!) does not need to work 3 jobs she would have the state pension and if that was not enough be entitied to pension credit of circa £155 per week in total. in addition she would get her council tax paid, housing benefit for most of that rent (if not all), cold weather payments, warm front help, winter fuel allowance, free bus pass, free prescriptions and so on. She would not be starving in a garret - and I suspect her landlord is taking advantage of her naivety. Either the story is a lie for sensationalism (how does anyone work 3 jobs?) or she genuinely does not know what she is entitled to.
  12. it was nulabour who bailed out the banks with their QE
  13. exactly just as low low mortgage rates (to fund overpriced houses) are the 'new normal' the money to do all these 'end of austerity' things has to come from somewhere/someone
  14. Even £150k gets you a nice house in some of the nice market towns in the Midlands The 'yoof' and the 'left' protesting about housing, the NHS, the police/education 'cuts' are London-centric and London-based protesters and to an extent I can see their point if they look at their own lives but the problem partly lies in the concentration of jobs/power/numbers in the London metropolis which is not solved by corbyn and his empty promises. http://www.rightmove.co.uk/property-for-sale/property-66618632.html
  15. how could interest rates go any lower (currently hovering at 0.25% ) and how long since they were dropped as an emergency measure (was it 8 years ago?). Seems to have become the 'new normal' and just pushed up asset prices
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