Jump to content
House Price Crash Forum


  • Posts

  • Joined

  • Last visited

Everything posted by HPC001

  1. http://www.bis.gov.uk/policies/higher-education/students/student-finance Should this policy go ahead, there are two obvious consequences apparent: 1) higher fees (albeit paid upon graduation) 2) higher interest rates (with the suggestion that extra repayments if you get a higher-end job will be self-defeating) It also doesn't address the common complaint of people doing dumbed down arts degrees and never paying their loan back due to having a low income. In fact this will be easier as the threshold is set to increase to over £21,000. Assuming the current inflation figure of 3.7% is correct, someone earning in the higher tax bracket would pay 6.7% interest on their loan (RPI + 3%). I don't even know anyone paying that much on a mortgage. The commercial banks certainly aren't paying the BoE much interest on their borrowing... It seems the lesson here is either stay away, stay poor or become an investment banker
  2. Electoral reform would need to come first, and we would need to unite a broad spectrum of people to get any mileage. Otherwise you're just pushing against a bulldozer. I wouldn't be out of place in the 60s, I'm just a little young that's all
  3. I'd prefer not to need handouts, but since welfare for the rich and barriers to the marketplace are so entrenched, the social safety net as we know it today has also become entrenched. The difference is we want to cut priviledges starting at the top, not from the bottom. Well you got there first, then again, we're probably in different generations
  4. Which of course leaves you at the mercy of a landlord. Since there's so much competition, it isn't unusual for someone out of a job to find themselves homeless. Stars, I think this would prove useful to support your argument: http://www.geolib.com/sullivan.dan/commonrights.html
  5. Well the flights at Heathrow are still passing by every 30-60 seconds during the day, so I think it's safe to assume that Bardon is correct.
  6. Yes, and it's equally difficult to get any help with your rent should you lose your job. Seems just like house prices, "rents only ever go up".
  7. Nice of them to write off the unemployed and the opportunities to restart business here in the same paragraph.
  8. I agree, there's legitimate competition and there's dumping of slave goods. For what it's worth, I trade with local\UK businesses wherever viable (unfortunately there's a lot less choice when it comes to electrical items).
  9. Well that could work, but im not really a fan of government intervention in private contracts between others. The whole point of me suggesting the land tax\citizens dividend reform is that it shifts the balance of power back towards to the renter\client as opposed to the landlord. Increased usage of land due to the reform I suggest above would make this unnecessary.
  10. In that case, negotiate a longer agreement? I do agree that the 12 month limit on ASTs should be removed.
  11. Surely that's the point of renting? To have flexibility? I sure as hell wouldn't want to be locked into a long agreement. That said, with a reformed monetary system and LVT\CD, the economy would be much healthier - avoiding the need to uproot to search for work.
  12. They have a right to charge for the actual property, but LVT\CD would ensure any location-based premium isn't retained and goes back to the community that gave rise to that value.
  13. Okay, but generally speaking, in the current system it isn't cheap. You've made sacrifices elsewhere to pay the fees on top of your taxes.
  14. Private school pupils have parents with bigger wallets. It didn't occur to universities that materially poor students can be academically intelligent. Fortunately the fees I'm paying are being kept at the same level for now (which is just as well, as I literally can't write any more cheques at the moment). As for the entry requirements, I had to demonstrate I met a grades tariff, which included IT at A-level or equivalent (and English\Maths GCSEs at C or above). IIRC the equivalent of 3 Bs at A-level or three merits on a level 3 diploma.
  15. Demand I be allowed to choose a better school; choose a better college; go to uni at the (then) cheap fee rates and jump into a large IT consultancy firm with a 1st in Compsci. I'd probably have made some different social choices too.
  16. Heh, on trains its relatively easy to fare dodge if you're travelling out in the sticks (eg Surrey), usually no barriers and very rare to have ticket checks on stopping services. As for kids, as I understand it up to 16 is free on buses and 50% off other fares in TFL zoned transport. If they remain in education post 16, just the 50% discount rate (which also applies in some cases to adult student schemes and "New Deal" clients).
  17. The benefit system for proles is like stealing their lunch and throwing back some crumbs (with a crapload of means-testing first). Don't tell me it's easy to get a roof over your head that way, because I found out the hard way it does no such thing. Anyway we're clearly in agreement here, so carry on
  18. Nice assessment of the problem, wrong solutions. They don't address the actual priviledges that allow the wealthy to continue leeching off of the rest of us. The way politicians are elected, the usurious wealth destroying banking system, monopolisation of land and other natural resources (eg the airwaves), centralised education\healthcare that does the opposite of what it claims to do.
  19. I thought the primary state pension was recently upped to £140 a week? That's ignoring the likelihood of a spouse being eligible for one, plus any private savings\pension arrangements. That also doesn't take into account subsidies for items like travel, utilities etc. Now I'm not suggesting that all retirees are living comfortably, merely that they have disproportionate sympathy among the general populace. I'd imagine that after large landowners, a land value tax would fall next highest on elderly people sitting on large valuable houses (prime land locations to be precise) - but I also advocate that at least some of that tax goes on a citizen's dividend. Which of course, has to be equally doled out per capita. That is equality, not this bull**** of subsidies to favoured segments of population, whoever they might be.
  20. What I do isn't unique, but I lack the overheads of a large organisation (which is really the only thing I have in my favour from a market perspective). Advertising isn't cheap though, especially not the national kind.
  21. It does, but if nobody is prepared to pay for quality what the hell am I supposed to do? I have next to no capital\resources. One consumer\worker alone does not change an entire market. Not in terms of keeping a roof over your head. They probably also have a non-confrontational culture between managers\frontline teams, recruit on actual merit, and don't chase away potential talent by bullying them about "lack of experience" (code phrase for we're too lazy to introduce you to our setup) or not having the right piece of paper.
  22. People are too busy engaging in delusional class warfare set up to deflect blame away from the root of the problem. "In a society where unjust division of wealth gives the fruits of labor to those who do not labor, the classes who control the organs of public education and opinion—the classes to whom the many are accustomed to look for light and leading, must be loath to challenge the primary wrong, whatever it may be. This is inevitable, from the fact that the class of wealth and leisure, and consequently of culture and influence, must be, not the class which loses by the unjust distribution of wealth, but the class which (at least relatively) gains by it. "Wealth means power and ‘responsibility,’ while poverty means weakness and disrepute. So in such a society the class that leads and is looked up to, while it may be willing to tolerate vague generalities and impracticable proposals, must frown on any attempt to trace social evils to their real cause, since that is the cause that gives their class superiority. On the other hand, the class that suffers by these evils is, on that account, the ignorant and uninfluential class, the class that, from its own consciousness of inferiority, is prone to accept the teachings and imbibe the prejudices of the one above it; while the men of superior ability that arise within it and elbow their way to the front are constantly received into the ranks of the superior class and interested in its service, for this is the class that has rewards to give. Thus it is that social injustice so long endures and is so difficult to make head against. "Thus it was that in our Southern States while slavery prevailed, the influence, not only of the slaveholders themselves, but of churches and colleges, the professions and the press, condemned so effectually any questioning of slavery, that men who never owned and never expected to own a slave were ready to persecute and ostracize any one who breathed a word against property in flesh and blood—ready, even, when the time came, to go themselves and be shot in defense of the ‘peculiar institution.’ "Thus it was that even slaves believed abolitionists the worst of humankind, and were ready to join in the sport of tarring and feathering one." -- Henry George, Protection or Free Trade, pp. 294-6 "...I am firmly convinced, as I have already said, that to effect any great social improvement, it is sympathy rather than self-interest, the sense of duty rather than the desire for self-advancement, that must be appealed to. Envy is akin to admiration, and it is the admiration that the rich and powerful excite which secures the perpetuation of aristocracies. Where tenpenny Jack looks with contempt upon ninepenny Joe, the social injustice which makes the masses of the people hewers of wood and drawers of water for a privileged few, has the strongest bulwarks." -- Henry George, Social Problems, Chapter 22
  23. A tax and regulatory regime that promotes speculation over production certainly doesn't help. There comes a point where this is unviable as your former countrymen can no longer afford to purchase the services. Debt\HPI plugged the gap for a little while, however that has unraveled. Add on the parasite rentiers and fewer people have discretionary spending power. You know what else I'm fed up of? Needing a costly certificate for even the lowliest of jobs. Making sandwiches -> hygiene certificate. Cleaning -> BICS (yes, that's real, google it). Childcare -> NVQ (and experience, even though you can only get that experience in an actual nursery - talk about catch 22).
  24. So if degree students focused entirely on engineering, IT, sciences....tell me, who's going to employ them? After spending 5 years in IT the outlook for the sector looks bleak, and it'll be a neverending chase to keep ahead of outsourcing by learning an infinite number of possible technologies.
  25. My last job was about 2 months. The job I was just interviewed for is about 6 weeks. Anything paying remotely decent wages\long-term is incredibly difficult to get. Myself and the former missus were on about £20k combined at best. That might have gone up to 30k if my IT work was more regular. As it stands, earning even £20k alone is a pipedream, nevermind £30 or 60k combined. Unless you're Majorie Scardino or that council exec, as a female you're likely to be in low-paid work (eg childminding, catering) and probably working low hours if you intend to raise children.
  • Create New...

Important Information

We have placed cookies on your device to help make this website better. You can adjust your cookie settings, otherwise we'll assume you're okay to continue.