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Everything posted by Blackholeshine

  1. My Halifax online current account is inacessible? Anyone else having this problem? Message says: Unfortunately we can't retrieve some of the account information you've requested right now. Sorry for any inconvenience this may cause you. Please try again later.
  2. According to the ”UK B2C E-Commerce Report 2012″ out today by yStats.com, 50% of all brick and mortar stores are expected to close by 2020 in the UK as the shopping and commerce continue to move online. “Aside from trends, revenue figures and market shares, the report covers the most successful product categories, Internet user and online shopper figures and the top players dominating UK E-Commerce.” “In the United Kingdom, not only does the number of Internet users continue to grow, but also the number of online shoppers. ” “Whereas in 2010, two thirds of the British population ordered products and services online, in 2011 this figure increased to more than 70%, compared to an EU average of less than half of the population making online purchases.” “Food and Fashion Items are important British E-Commerce Product Categories ” “In the first half of 2012, shoppers in the UK spent almost 35 billion GBP online, which shows a clear increase when compared to the previous year’s figures.” “Forecasts for 2012 predict an increase in B2C E-Commerce revenue of a high one digit percentage figure in the UK. “Fashion and sporting goods” were the most popular product categories in 2011, followed by “travel” and “household items”. “Other successful product categories were “movies/music” and “books and magazines”. “Online food purchases are also becoming increasingly popular. ” “Revenue from online food purchases is expected to grow by more than 10 % annually over the next few years.” “Fashion and clothing are likewise popular E-Commerce products in the UK. ” “Almost half of all consumers make at least one purchase per month in this category. Aside from purchases, researching product information about fashion items is also a popular trend.” “Mobile shopping is another growing trend in the UK. ” “As much as 5% of all E-Commerce revenue is generated using mobile devices. Additionally, more than half of all smartphone users have made at least one purchase with their mobile phones. Safety and transaction speed are particularly important for consumers in this context. Furthermore, researching product related information with the help of a mobile phone is widespread in Great Britain. ” “• As online shopping becomes more and more popular in the UK, it is expected that almsot half of physical stores will be forced to close until 2020.” “• B2C E-Commerce sales in the UK are expected to experience declining growth rates from 2013 on.” “Clothes, Sports Goods” (41%) was the leading online product category among individuals in the UK in 2011, followed by “Travel and Holiday Accommodation” and “Household Goods”. “Amazon.co.uk was the B2C E-Commerce website in the UK with most traffic in May 2012, followed by Argos.co.uk and Tesco.com.” “The three leading daily deal sites Groupon, KGB Deals, and LivingSocial sold almost 4 million daily deal coupons in the UK in Q1 2012.” “Founded in 2005, yStats.com is committed to the research of objective, demand-based and up-to-date data on markets and competitors for top managers from various industries including retail, home shopping, E-Commerce, telecommunication, logistics and energy. The Hamburg-based company is a specialist for secondary research with a clear international focus.” You can download the whole report, but its going to set you back 1,450 Euro’s Here
  3. Independent Article The Treasury faced demands last night to examine the extent of tax avoidance by the country's wealthiest homeowners who have transferred £25bn worth of property into corporate hands. The high-value properties are overwhelmingly in central London and about 500 of the homes, worth a total of £1.6bn, were transferred last year. On Cornwall Terrace, an upmarket conversion of eight imposing period houses overlooking Regent's Park in London, the average asking price is £35m, making it the world's most expensive row of Georgian mansions. Every home sold has reportedly gone to an offshore company, meaning the buyers would have to pay only £52,500 to buy shares in the company, instead of £2.45m in stamp duty at 7 per cent. ...tax experts say the real challenge is closing an inheritance tax loophole which enables foreign companies to avoid the 40 per cent tax payable when a property owner dies.
  4. Daily Telegraph article The main issue in housing today is the lack of availability of mortgages, said the industry veteran, a problem which he laid at the feet of the regulatory authorities. “Financing is the problem, the biggest issue of the day, but even if we were able to overcome the finance issue, planning is a massive obstacle,” he said. Fellow housebuilders echoed his call for more changes to the system. Stephen Stone, chief executive of Crest Nicholson, said that in some instances submitting a planning application for a development could cost up to £3m to file and entail sending “a truck full of information to go to the planning office which nobody reads”.
  5. Guardian Article European crisis plus rising grain prices combine to make land attractive to Greek and Italian investors as well as City bankers
  6. Daily Mail article Some 3 per cent of those who rent privately have been unable to switch because of restrictions in their rental contract, whilst 7 per cent were expressly told by their landlord that they were not allowed, according to research by comparison website uSwitch.com.
  7. It's the ultimate flatpack to challenge even the keenest DIY enthusiast - a kit of wooden pieces that can be clicked together without nails or concrete to create an entire two-bedroom house. Daily Mail article
  8. http://www.dailymail.co.uk/money/mortgageshome/article-2188731/French-house-prices-warning-British-owners-hit-15-tax-hike.html But: "French property is still likely to look attractive to British buyers even with the market catching a cold and higher taxes if they sell."
  9. UK housing costs the third highest in Europe UK families are among the worst off in Europe when it comes to housing costs, spending more than 40% of their household income on rent, mortgage payments and other living costs, according to the housing charity Shelter.
  10. Today in the Telegraph: http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/9275467/Mortgage-market-freezes-up-as-Santander-scales-back-on-lending.html It is estimated that the Spanish bank's share of lending through brokers has dropped from 25pc to 14pc in recent months, and could fall further as the crisis in the eurozone intensifies "Those who want a good mortgage deal should act sooner rather than later, in case the market seizes up altogether," said Ray Boulger of John Charcol, the mortgage broker.
  11. http://housingstory.net/ or http://www.businessinsider.com/30-charts-you-must-see-before-buying-a-home-2011-4#-1
  12. http://www.businessinsider.com/why-i-am-never-going-to-own-a-home-again-2011-3 Financial: A) Cash Gone. You have to write a big fat check for a downpayment. “But its an investment,” you might say to me. Historically this isn’t true. Housing returned 0.4% per year from from 1890 to 2004. And that’s just housing prices. It forgets all the other stuff I’m going to mention below. Suffice to say, when you write that check, you’re never going to see that money again. Because even when you sell the house later you’re just going to take that money and put it into another downpayment. So if you buy a $400,000 home, just say goodbye to $100,000 that you worked hard for. You can put a little sign on the front lawn: “$100,000 R.I.P.” Closing costs. I forget what they were the last two times I bought a house. But it was about another 2-3% out the window. Lawyers, title insurance, moving costs, antidepressant medicine. It adds up. 2-3%. C) Maintenance. No matter what, you’re going to fix things. Lots of things. In the lifespan of your house, everything is going to break. Thrice. Get down on your hands and knees and fix it! And then open up your checkbook again. Spend some more money. I rent. My dishwasher doesn’t work. I call the landlord and he fixes it. Or I buy a new one and deduct it from my rent. And some guy from Sears comes and installs it. I do nothing. The Sears repairman and my landlord work for me. etc. Read more: http://www.businessinsider.com/why-i-am-never-going-to-own-a-home-again-2011-3#ixzz1H5kSZETI
  13. 2,000 years from now people will be worshipping Gordon Brown in the same way they worship Jesus Christ today! .. .
  14. “There are simply not enough jobs, which is why too many graduates are either serving coffee at Starbucks, or the equivalent, ...She also attacked students who felt that it was their right to gain employment. http://www.telegraph.co.uk/education/educationnews/7415643/Graduates-condemned-to-coffee-shop-jobs.html http://starbucks.co.uk/en-GB/_About+Starbucks/Careers+at+Starbucks.htm . . .
  15. You have to be registered to see the comments. If an employer can pay less than minimum wage for entry level jobs when it is time for that person to get a higher wage the employer will simply not renew that person's contract and get another person to graft at below minimum wage. This will be done endlessly. This would be just another way for employers to exploit employees.
  16. It is completely artificial that we have North at the top of a map. http://flourish.org/upsidedownmap/ http://www.swiftmaps.com/servlet/the-274/The-world-upside-down/Detail .
  17. Who financed the Nazis and the Holocaust? Yes, Bankers. http://www.thehiddenevil.com/nazis.asp It is time we had a Court of Economic Crimes!
  18. It has been like this for a long time. In the north there are many more terraced houses which make ideal starter homes. Similar terraced homes in London were either bombed by Hitler or destroyed in slum clearance programmes. If you work in a large office building in London there will be next to nobody under 30 who is living in and buying their own house. If you work at a similar large office building in the North numerous staff under 30 will be living in and buying their own house.
  19. Rockarch says it was defrauded by a Bulgarian business partner with access to its accounts. The woman is alleged to have secretly transferred 29 of the flats, plus a restaurant, swimming pool, spa, conference hall and 30 parking spaces to a Bulgarian firm, Zekom, for a fraction of their real value. http://www.dailymail.co.uk/news/article-1254271/Britons-march-Bulgaria-ski-resort--demand-entry-flats-locked-6m-complex-developer.html
  20. I work for the local council and as long as I can rememeber the redundancy terms for people who do ordinary jobs has been one and a half weeks pay for every year of service. Even in the recession of the early nineties notices would come round asking if any one wanted to take voluntary redundancy on those terms. Please name the council your friend works at so I can complain to Unison that one council is paying a few grand for every year of service and our council is only paying one and a half weeks for every year of service.
  21. Housing benefit £400 a month, council tax benefit £70 a month, family tax credits, etc, if your taking home less than £1000 a month it ain't worth going to work.
  22. "Home ownership causes a social divide between those who are owners and those who cannot afford such a luxury and remain tenants; a government that would encourage such a social divide is simply inequitable. " https://www.financialworld.co.uk/Archive/2009/2009_04apr/Features/home_ownership/16286.cfm
  23. I am puzzled why in the 1930s vast numbers of semis were built with 70, 80, 90 feet gardens. Didn't they think if we chop down the garden to 30 feet we can build twice as many houses? If you compare a 1930s neighbour of semis with some modern estates where the maximum number of properties is built, the contrast is stark. Really, you could take a neighbour of unaffordable semis knock them all down and build two to three times the number of houses at modern density levels and the new houses would be more affordable.
  24. Parking fine charges are totally out of proportion to the offence committed. If I took my library books back one day late I would not expect a £70 fine and if I stayed in a pub a few minutes extra after drinking up time I wouldn't expect a £70 fine, if I arrived late at the dentist or pay a bill a day late I don't expect a £70 fine. There are many examples in everyday life where we can be late but it is only parking that attracts such a heavy penalty. If I were five minutes late arriving back at my car a £5 ticket would be a heavy charge since that would be £1 a minute. Who charges £1 a minute for anything? Yes, premium telephone lines and they are considered a rip-off. If I am five minutes late for my car I am charged £14 a minute! There is no way on earth my offence is worth £14 a minute!
  25. If I go shopping I might buy something or I might not. If I have to pay for parking and I don't buy anything I feel I been ripped-off so I will not go again unless I am 100% certain of buying something like at Christmas. Thus, I only go to the High Street at Christmas. At a supermarket there are child places near the entrance of the store. In the HIgh Street there are no child spaces and you might find there are no spaces near the shop you want to go to and you have to take a child a long way through a forest of parked cars. The moment you step into a shop you are made to feel like you are a potential shoplifter. You are watched by cameras and security staff or mere shop assistants. If you walk out without buying anything you are almost expecting to be searched because you must have stolen something if you didn't buy anything. There is the Big Issue seller you have to steer clear of, the marker researchers with clip boards who only want to take up 10 minutes of your time -- obvious planted by the parking ticket company to tempt you into overstaying so you get a parking ticket. Or you are dodging recruiters from Sky or Npower. Then there is the collector for a charity you never heard of like, "Help Children Dying of Dementia". If you have a pay and display ticket you are constantly watching the clock. If you are at a pay when leave car park you are constantly looking at the clock to avoid going into the expensive time band. If you go into a small, independent shop you are immediately hassled as to what you want to buy. I feel like saying, 'I can go into Marks and Spencers and browse as long as I like but the moment I step into a tiny place like this I got someone breathing down my neck". It may come as a big surprise to many shops but children like to eat sweets. If you give a child some sweets to keep him or her quite while you shop you will not be able to go into most shops because they have signs saying, "No Food and Drink". Twice I ordered things in shops rececently hoping to take them home straight away -- cot and table --only to be told the items will be delivered. What was the point of me coming here I might have well ordered them on the internet. When you final get back to you car on time you find a "Civic Enforcement Officer" looking at his watch and preparing to issue a ticket if you don't get your car out before the expiry time on your ticket.
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