noodle doodle

Ask your average mid-level/senior bank employee how much they made from selling their bonus shares high before rbs etc capsized and buying 'em back low afterwards. exactly.... Most people I know in banking up in eburgh lost a great big whacking chunk of their pension/slush fund/next house deposit etc when the banks went south This sounds like wish fulfilment on their part to claw those losses back, and since they've been wrong on most major calls so far....

I'm in norway at the mo, land of the troll I was jusxxxksksksk NullPointerException at doodle.java, line 631 package hpc.gchq.gov.uk

You're bound to get a good landlord with your next rental, because a ******* landlord will find some excuse not to rent to a family with a baby

what is a ton of radioactivity, that's a new unit on me? And that typhoon looks more like a crap typhoon to me, not super http://news.bbc.co.uk/weather/forecast/1319?&search=fukushima&itemsPerPage=10&region=world

I could have stared at that for years and not got that solution Anyways, I like my explanation better :-)

I think it's to do with which sides of the square both lines intersect, 'cos then you get this pattern for the 3x3 square --> | | | | |__ _ __ _ || | | | ? and 5 fits as a |_

I thought 5 as well, and I passed all my exams without doing a sod of work. See Rick in the young ones asking to be tested on the daily mirror book of facts? That's me, that is. Actually I did guess 5, but I have no idea why that's the right answer, apart from cos a line goes into the bottom right corner, but then i see 1 does that too. So not only am I clever, I'm lucky, and that's gotta be worth more.

So if the future does turn into some Mad Max / Turner Diaries mash-up like a lot here seem to be believing (hoping?) does it matter if house prices crash or not? You wouldn't want to buy one with that future would you? Better off posting on drivinganarmouredpetroltankerupanddownthem6.co.uk

The BBC has a bit more detail --> http://www.bbc.co.uk/news/education-13570147 However, children eligible for free school meals - those whose parents earn less than £16,000 a year - could be given priority under the proposed changes, which will go out to consultation. But this would apply only to "free schools" set up by parents and community groups under the government's flagship programme, and academies, which are state schools operating outside local authority control. Schools would not be forced to prioritise in this way, and would have to consult the local community first if they wanted to, the Department for Education said. So basically, hardly any schools at all will end up doing this, especially the good schools where the local community will consist of the richer types who have bought the houses closest to that school!

http://www.thisismoney.co.uk/historic-inflation-calculator the calculator you used stops at 2008.... which would make it 2.8% over that period, which seems low, but it would push the £362K valuation to £391k at the end of 2011. add in 5 more years of 5% inflation and there you push 391k to 499k, thus double the 1996 price and no need for nominal falls Everyone's a winner or something edit: oops, hang on I see what you're saying, the 257k house is now worth 720k (double the 360?). In that case yeah, 12 years of 5% inflation and no house price rises may be pushing it... on the other hand weren't houses historically under-valued mid 90s after the correction? You really need to comapre it with wage inflation rather than goods/services inflation anyways to measure affordability

heh, we're not rich but my wife keeps getting hassled for chats because she was daft enough to buy some stuff once, home insurance I think it was, she's on the autodial for life now. I think I got scrubbed off the database when i was cold called once about some platinum account for 10 quid a month that would give me free travel insurance.. .I was like "eh? how's that free then if it's £10 a month?"

I watched it for about 10 minutes Little Britain's "Computer says no" sketches got the same point over in about 5 seconds and a lot more clearly.

Antimatter rice krispies? cool!

A lad I know went for an interview at Millets as a store supervisor, you know in charge of staff and the shop and that. What wage does Blacks Leisure offer a new generation of thrusting young dynamic retail managers to pull its **** out of the financial fire? £6.32 an hour

that's a bit deranged tbh, I'd rather have a cat as a neighbour whatever their leavings than an air-gun firing firework thrower "hello uncle arthur I'm going to play in the garden..... ah *snap* my fingers" *runs across garden path wailing* RB: "Claymore mutha******a!" *KAboom*

Why do the bathroom facilities have "DO NOT USE" stickers all over them?

reet... dodgy maths time Basically you and you partner will have invested £1.35 million into this project in terms of land (350k value if it's equivalent to your cash), your 350k and a borrowed 650k. I take it the current house is viewed as uneconomic to fix up - is the 350k valuation for the 'land' including the house already on it? Divide 1.35 m by the five houses to get £270K per house That figure would clear the 650k borrowed (naively assuming no interest, but it's only 0.5% isn't it - arf) plus leaves you and your partner 80k each to make up for the fact you put 350k into the project and ended up in a 270k value house. Anything above that - bonus money, Anything below that - grief.

yeah...... ok to cover 650k you'd need to sell 3 houses at 220k each... but then presumably as the other 2 houses are the same, you'll have ploughed in 350k and a lot of time and effort to live in a 220k house.... you've effectively lost 130k each that way haven't you?

My supposition sensor says the drop in 2001 was due to foot'n'mouth, both from millions of animals chucked in pits and not entering the food chain, and then from farmers spending their compo on building BTL empires and putting their farms on the back burner. I wonder if earlier drops tie in with things like introducing EU regs on getting payment for non-production (letting fields lie fallow), and as such aren't physical limits but administrative artefacts?

there will be no public funds though Anywyas, the burglar will just step up by shooting homeowners first. And their families too. Can't be too careful. Then with all his nicked stuff the burglar can pay other people to act as henchmen (usually the violent ones) and then nick even more stuff. Eventually he will declare himself king of acacia avenue.

I earn 35k in edinburgh To move to london and afford the same type of house in the same type of area with the same cost/time of commute (otherwise, why ******ing move for a shitter lifestyle?) - a quick root through rightmove revealed I would need to spend 400k on a house - twice the cost of my current one. (which maps out to london being 2x as expensive as edinburgh generally) Bear in mind my deposit would be the same, so the mortgage would be about 2.5 times as big. Doing the sums from there I'd need an extra £1200 a month net, or £14.4K a year net, calculating gross at a half 25% tax / half 40% tax band it would be an extra 21K I'd need..... whack on a few K more for extra NI / loss of child benefits etc, I'd need 60K in london to stand still.... MAFLATSE Move Away From London And The South-East Any IT types who witter about only being able to do their jobs in london, well you've over-specialised then, time to re-train

It's not the teachers and their unions who want to do this. Most would quite happily kick out the disruptive thicko's at any age. Less disruption = more learning = better results. It's better to sacrifice 1 or 2 kids out of a class of 30 than hobble them all. What happens to them after that, hell knows, but that's for society to sort out, not a geography teacher.

usual data-free daily mail graphics Firstly, over what terms are those mortgages? Secondly, who the funk has a 0.5% variable mortgage?

Actually I'm talking shite as well The actual old boundary was at 55 degrees 50 minutes north i.e. at the border just north of berwick. It was the difference between heading straight east and following the median line (which zips north-east) to start with that represents the "lost waters". Northumberland doesn't come into it. Still thats what you get for relying on wikipedia articles,

That's the source of a massive whinge by geographically ignorant SNP'ers by the way The old split was simply done on latitude, north of 55 degrees = scotland, south = england. Even though that meant all the water off the coast off northumberland was classed as "scottish" The new split redefined the waters under the concept of an equidistant boundary i.e. the boundary would be the line in the sea that was an equal distance from the nearest points in england and scotland. This shifted the boundary north to berwick and now it runs roughly east-north-east (rather than straight east) till it meets the norwegian claim. This of course according to the SNp frothers is a theft of scottish territorial waters (even though the waters were off england), and even though england and scotland have no territorial claims, only the uk does. PS A wikipedia article called "it's scotlands oil" is hardly neutral is it?