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GordonBrownSpentMyFuture

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Everything posted by GordonBrownSpentMyFuture

  1. I second that! Well done Eric for your near decade long campaign of awareness raising!
  2. BBC News: Ex-HBOS chief Sir James Crosby asks to return knighthood 9 April 2013 Last updated at 16:22
  3. +1. I answered honestly giving our exact lifestyle and circumstances and it came back with... This puts me "second from bottom". I completed it again with the exact same responses but on the basis that I don't rent and my savings (deposit) had been used to "buy" a property instead, as I intend, and now have zero savings. The result... Same person, same criteria, and all I need to do to jump from second bottom to second top is a £0.25m debt. I know my place.
  4. Which is exactly why we'll just have more of the same: government intervention and financial manipulation. A generation or two (or more) will still be ruined; just not the one(s) that deserve to be.
  5. I dunno, Bruce, I sometimes wonder whether you're a wolf in sheep's clothing with a BTL empire that you're desperately trying to keep afloat. "30% nominal falls are coming... 30% nominal falls are coming... keep renting... keep renting... keep paying me rent..." I live in the West Midlands. We've had some wonderful house price falls since 2008 and continue to do so. Suddenly a 3 bedroom semi in a good area is beginning to look more achievable. What was £220k is now £180k - a 20% fall to be sure and a crash in many peoples book - but still approx £40k more than it should be. Should we expect 30%-40% nominal falls? Yes. Are we going to get them? No. Why? Printy printy. Unless of course you're pricing it in gold... but then I don't get paid in gold. I admire your resolve... not to mention your obvious wealth... but sadly, unlike you, the interest on most peoples savings won't be covering their rent and having looked at the ISA interest rates today ahead of April I have to wonder where my deposit fund will be best placed in the years ahead. Was I wise to rent for as long as I have? On the whole, yes. My circumstances dictated it largely, as did common sense, and I'm pleased I didn't get swept away in the madness like so many who've since suffered. The inevitable eventually happened and common sense prevailed... but who knew the lengths they'd go to to keep the deceit alive. 30-40% nominal falls sound about right but given the endless schemes and scheming by the heavily-invested-in-property political ruling class, on what are you basing your optimistic hypothesis?
  6. Apr 2004 : £154,449 May 2004 : £157,785 Jun 2004 : £159,685 ... Oct 2012 : £158,426 Source It'll be interesting to see what prices are like in April 2013 compared with 9 years previously.
  7. I had to laugh when those 3 guys and the camera crew were squeezed in to that poky central London flat and one of them (the EA I imagine) called it "spacious". Anyone with eyes or an aerodynamic cat could see it wasn't spacious. I don't know how they kept a straight face when he announced the price tag. "It's a very desirable place and location" asserted the overseas investor. "For you?" asked Maitland. "No, no.", he replied, "Tenants".
  8. It was every bit as laughable as I thought it would be. It's the fault of everything but high house prices. Desperate propaganda. Quite reassuring actually.
  9. Apparently people can't afford to buy a house because rents are high. Who knew.
  10. Sept 2012: £159,486 June 2004: £159,685 Source Lovely. The fall in house prices in August were largely blamed on the Olympics. Any mention of the Paralympics in the September releases I wonder....? No? Funny that.
  11. Exactly... although I don't buy their eggs as I suspect they're battery. Same reason why I don't buy their meat. Fortunately I can afford to be choosy although I appreciate that others may not be.
  12. Yes, this does happen. I now stock up on certain popular items but if they run out it's not the end of the world. Yes, this is true... but then other supermarkets stock high calorie/salt foods too. If I want the low calorie and low salt products then that's when I head to the other supermarkets. Since I cook mostly from scratch anyway (except for bread and pasta) it's never really been a problem. This is true also. Shoppers still need to be shrewd. Like for like though I find they're cheaper on the vast majority of goods. You can't go wrong with their tin foil, cling film, washing up liquid, detergent, fabric conditioner, cleaning products, etc. As cheap as the basics versions elsewhere but as good as the own brands (if not major brands). Their tomato ketchup and pickle are vile, though. It's only Heinz and Branston for me. However, their wine, Ballycastle (Baileys), Southern Belle (Comfort), Oscars (Archers) and Austens (Pimms) are all as good as the real mccoy and at a fraction of the price. In fact, I think their alcohol selection is exceptional. Even their £3 bottle of wine is entirely palatable... just. It's fine for cooking though.
  13. This has happened recently with their shredded wheat. It's happened before on other items - where they've replaced their own brand with a major one. I've always found that the own brand eventually returns - either with new packaging (so it was a temporary replacement) or simply once the stock of major brand has run out. In the case of the latter, I can see why they might cheaply bulk buy a major brand approaching a sell by date that other supermarkets wouldn't touch, replacing their existing stock with it (with a slightly higher price perhaps), and then returning with their own brand once it's all gone. Higher margins, I imagine. Coincidently I notice they're also re-branding much of their own produce at the moment so it really could be either reason (or indeed both). I'll also add that both Nestle Shredded Wheat and Aldi Wheat Shreads (I believe they're called) contain nothing but 100% whole grain wheat. So far the only difference I've ever noticed is the price. Having shopped at Aldi for 20 years - first during the 90s recession with parent as school pupil and then continuing as university student, graduate loan repayer and now FTB deposit saver - I buy pretty much everything from there (except for meat - although fish I'm happy with). I'll shop at Sainburys and ASDA too (Tesco is a bit of a drive out) but I can be in and out of Aldi in half the time, with the same amount of goods and having spent about 30% less.
  14. I heard this. He really is a tool isn't he. "What sort of people shop at Aldi?" he asked. Hmm, perhaps people who don't live in the London media bubble, Jeremy. You know all those stories you run about the unemployed? The sick? Single parents? Low income families? Mortgage prisoners? Graduates with massive student loans? Young families with childcare bills? Young people with high housing costs? THOSE PEOPLE. Clearly not the likes of Sally Traffic who sniggered at the thought of drinking a £3 bottle of wine. I wonder what one earns reading out traffic news on publicly funded radio anyway? Too much by the sounds of it.
  15. There are some pretty substantial regional drops right there. Belfast -14% yoy Manchester -11% yoy Bradford -9% yoy York -6% yoy Carlisle -5% yoy Bath -5% yoy
  16. Item finished now. Worth listening to later on iPlayer for Richard Murphy's spot on HPC comments. Other than that, it was your usual homeownerist pap.
  17. On now. http://www.bbc.co.uk/radio2/ Brilliant comments from Richard Murphy.
  18. Indeed, which is why it'll be phased out completely. The findings of such research (and expect to see more of it) won't be used to highlight the benefits of paper and coin; it will simply be used to justify the move towards, and widespread adoption of, the mobile phone digital wallet. "Everyone has a mobile phone now", they will say, and by the time it's widespread everyone will. I'm reminded of a clip towards the end of the documentary "Zeitgeist", specifically from 4 minutes in from here... I recall a "humourous" scene from an early episode of The X Files where the paranoid Lone Gunmen trio explain their distrust of the metallic "anti-counterfeit" strips in bank notes, which they believed were used to secretly track and monitor the transactions and movements of US citizens. I wonder what they would make of a "digital wallet" complete with embedded camera, microphone, super-fast internet access and GPS receiver. Whenever I log in to internet banking now they're persistently trying to get my mobile phone number off me. Doesn't matter which bank - they're all at it. Apparently they want to send me text messages or something but I have my suspicions (guys, email is fine). Mobile phones: Super-fast internet so you can watch football matches on the way to work (or catch up with your latest soap). Precision GPS so you can navigate unfamiliar towns and cities with confidence. A camera so you can record life's precious moments. A microphone because, well, it's a phone and it needs one. And your digital wallet because you use your mobile for everything else, don't you, and it just makes sense, doesn't it? Nothing nefarious about any of that. Digital wallets: why wouldn't you? Personally, I think the microchips mentioned in the above clip are a fanciful step too far. When enough people say "I couldn't live without my mobile" I'd say job done... and we're very nearly there. The digital wallet will simply secure it. Oh well, anything else happen in the news today? ... BBC News: EU Commission chief Barroso calls for 'federation' ... an economic crisis caused by...? Once you start joining the dots it's increasingly difficult to deny the picture it paints.
  19. BUMP http://www.bbc.co.uk/programmes/b006wr3p How to Contact the Jeremy Vine show CALL: 0500 288291 (Calls are free from most landlines. Some networks and Mobile operators will charge for these calls) SMS TEXT: 88291 (Texts will be charged at your standard message rate. Check with your network provider for exact costs.) TWITTER: Send your tweets to @thejeremyvine and @bbcradio2
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