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Everything posted by exiges

  1. I'm still trying to work out where the money went, even when splitting it with a neighbour.
  2. It may have already been answered in this thread, I went a few pages back but didn't see it.. when did the banks change from lending based on single income to joint income ? Also, historically they would lend just 3.5x the main income, whereas today it's 4.5x single or 4x joint income. I mean, when banks were lending at 7x income, house prices were at 7x.. in the 80s/90s banks would lend at 3.5x and house prices were at 3.5x.. Now banks are lending at 4.5x, surely that's where they're going to go/stay (give or take)
  3. To be fair it's the figures up to November, and the seasonal staff are November/December.
  4. Well with all that good news, I expect to see another +0.3% on Rightmove this month !
  5. And ? They don't care about the target. Once the full effect of the VAT drop has filtered through we can expect to see another 0.5%-1% drop in inflation They've been itching to do more QE, this is exactly the news they wanted. Just see if they don't.
  6. Yep, it's VAT dropping out of the system. The BoE are going to use this drop to signal inflation is going down and let them do some more QE
  7. Only another 10 years of that and we'll be home and dry !!
  8. Where is the good news ? In November UK house prices decreased by 0.3 per cent over the year whilst they remain unchanged over the month (seasonally adjusted). Average house prices increased by 0.2 per cent over the quarter to November, compared to no change over the quarter to August (seasonally adjusted). Average prices decreased during the year in all UK countries; England (-0.1 per cent), Wales (-1.6 per cent), Scotland (-0.8 per cent) Prices paid by first time buyers were 0.7 per cent higher on average than a year earlier whilst prices paid by former owner occupiers decreased by 0.7 per cent. Prices for new properties were 7.7 per cent higher on average than a year earlier whilst prices for pre-owned dwellings decreased by 0.9 per cent.
  9. Yep, I have. Other than filling in a std. money laundering form from the solicitor saying where the bulk of the money originated there were no questions.
  10. Admittedly it includes sleeping but taking holidays into consideration etc. you're at work about 20% of your adult life.
  11. It's been covered at length in this thread already, but there's a cost in both time, money and inconvenience in "context switching" between workers when one worker can do it. It's inefficient.
  12. I'm guessing if you work outdoors or need daylight for whatever reason then you only have 8hrs of daylight a day (in winter) to get stuff done. So that dictates the number of hours a day. As for why 5 out of 7 days, I dunno, I'm more troubled by February having 28 days when it should have 30 borrowing a day from 2 of the months with 31 days !
  13. One way of getting around paying for big pensions I guess.
  14. http://www.bbc.co.uk/news/business-16568190 Some 20,000 staff providing advice on tax returns will hold half-hour walkouts on Monday over alleged moves towards privatisation. The officers, who work at call centres and enquiry offices, are also planning more action on 31 January, the deadline for online self assessment returns. The Public and Commercial Services Union said the strikes are against the government's hiring of two private firms in trials to run call handling. HMRC denied any plan to outsource jobs. The year-long trials are being held from February with two companies, Sitel and Teleperformance, at Lillyhall in Cumbria and Bathgate in West Lothian. The PCS - the largest union representing civil servants - said the trials would pave the way towards privatisation in the department - a claim rejected by the tax office. "The project is not about outsourcing or replacing HMRC jobs," a spokesman for the Revenue said. "It is ultimately about finding ways to improve the service we provide to our customers." Staff will walk out for 30 minutes from 10:00 GMT, and again at 16:30 GMT. Those on late shifts will also leave half an hour prior to their usual 19:00 GMT finish. "When jobs in HMRC and the civil service are being cut in their tens of thousands, it is entirely wrong to start handing contracts to private companies," said Mark Serwotka, general secretary of the PCS. "Instead of privatising ever more of our public services, the government should be investing in its own staff to ensure they are equipped and trained to provide the essential services they are proud to deliver."
  15. It wasn't "for free", she was asked to do it to maintain her benefits. So there was a financial reward for doing it. It was only for two weeks, it's not like she has anything else to do, and it shows employers you're prepared to get off your duff and get a job rather than living with a sense of entitlement. If I were interviewing two unemployed people, one who had done some work experience, and one who on principle stayed at home, then it wouldn't be the latter that gets the job.
  16. As of 2 months ago: http://www.kentonline.co.uk/kent_messenger/news/2011/november/16/landlord_in_bid_for_police_chi.aspx Millionaire property tycoon Fergus Wilson has announced plans to stand in the election for the first Kent Police commissioner.
  17. Good find ! I agree, so much nicer, more natural than it is now. Not least because it goes some way to hide the horrible newbuilds.
  18. Having two people doing 40hrs between them is much less efficient, not only in terms of their increased transportation (in both time and cost), the impact on the environment, but also the additional burden on business managing twice the staff and the inconvenience (see: cost) of staff "not being there" when needed. By logical extension, why not double our population even further and have 4x the staff each working just 10hrs a week. ? It wouldn't work.
  19. Like I said, if lenders only took one earning into consideration, then for couples at least only one of them needs to do a 40hr week.. while the other helps improve the quality of life around the house.. (he/she does the shopping while the other is at work, so they don't have to go food shopping after work.. gets the washing/ironing done etc.) This way, people can enjoy their free time more, rather than running around doing thing things they have no time to do in the week.
  20. It's not that ago in history that people worked 6-7 days a week, a 12-14 hour day, with no holidays at all, no pensions, no employees rights, and kids as young as 5 went to work. Are we really that pressured these days ? I'd say not. That said, I think banks now lending based on joint earnings has ruined "home life" as it was in the 50s-70s
  21. But it's not "a bit of pruning" is it ? They've pulled up the hedge and laid gravel. Not only that, to anyone looking, the newly gravelled bit now looks part of the property rather than council owned, it wouldn't surprise if they were going to claim ownership "because they've looked after it". It's a substantial area compared to their tiny front garden.
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