sowhat
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Posts posted by sowhat
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no tax on income at all - what you earn you keep
but increase taxes on things that cant be avoided, property, food, petrol . ? . ?. ?. ?
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if you want to stop people avoiding a tax
stop collecting it
and replace it with one that can't be avoided!
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Scrap the minimum wage and let companies pay people what they're worth, which in some cases would be more and in others less.
Agreed
but it's only really possible if you scrap all publicly funded wage subsidy schemes, and disincentives to employment
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Corrected
One In Three Homes In Liverpool Has No Sky, Shock Study Reveals
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In what I think is your position I would be pondering this too. What price are 2 bed terrace houses in that area? 2 bed flats should be half the price of a house. They were 20 years ago and imho will be again.
I make it £416 a month at 3.28% on 23k
If you believe it will be worth 27k in 5 years why not.
couple of grand for expenses associated with buying a house. terraces vary from 60 - 110!!!
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Flat is cheap - why/where?
Flats have issues over maintenance and service charges and lease extension. etc.
More neighbours = more potential for nuisance.
25% cheaper than the norm for the area - northern town - presumably due to lack of parking in town centre - not a problem for me as a non car owner. Possibly 1 neigbour above but that along with service charges etc is to be confirmed, access is via shared entrance at the side of the shop below
even if the flat dropped by 50% you still have the equivalent money in your flat that you had in savings, and what if it does not drop 50% maybe on 30% you will be better off,
also to look out for if the flat is in a bad area, or is it just cheap bargin price
not a bad area, and as mentioned earlier not many ( if any ) neighbours better than many of the outlying estates with zero services, transport etc
Get a nice eastern european girl in to share with?
Too easy...
you two sound like my mate, haha!
The main downside I can see is that my now liquid assets would no longer be so
Thanks for the input
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currently paying 225 plus bill pcm in a shared house, this is soon to be just me so 450pcm, now I know i could sub let but don't really fancy it
I have 27000 saved up and seen a flat for 55000, assuming I could get it for 50000, and taking a 50% mortgage at 3.28% I would be paying the same as the rent (well 452 plus building insurance and maintenance costs) on a 5 year fixed rate I would own outright at the end of the 5 years
even if the market dropped on it's ****, say 50% have I lost anything?? or is their something obvious I am missing
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love this gem of a quote - " It has always taken at least 2 people on average salary to buy a house"
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You're missing the point.
Employers don't like employing people as permanent employees because of the risk/liability of doing so.
If you make agency employees the same in terms of risk/liability, employers won't want to employ them either.
The result will be employers trying to do all they can to not employ people.They'll outsource abroad, they'll automate, or they may simply not take on business. People who might have been given a job will now not get one.
"They'll outsource abroad, they'll automate" - and that doesn't happen already?
"or they may simply not take on business" - nose, face, cut, spite
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Never really discussed house prices with people at work before, but was having a grumble to myself at work about an advert that said "why rent when you can buy for x per month, pay 70% own 100/%"
"what a load of ******** that is, you own nothing, but pay 100% it's just that the 30% is deferred, and the monthly repayment figure is based on the lowest interest rates"
I have to admit I was surprised with the response I got -
houses are 30% overpriced'
I wouldn't buy if I was young'
I remember when one wage would have got a house'
Having a house should be a basic human right, and not a means to make profit'
All in my opinion is well informed and rational, maybe I got lucky, probably has a lot to do with the fact they have children late teens early twenties, and can see how ridiculous the situation is?
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64 year old eric with his voluntary redundancy has 'dropped on'
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Because she's a HOME OWNER, that makes her more important than a mere renter.
(Or more accurately, she's a member of the homer owner group which is much larger than the renter group and so has more pull.)
my next door neighbour told a courier that he wouldn't take a parcel for me "because he rents"!!!!
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further thought - If this money was to be spent on new building it would help employment/tax revenue.
This is just circulating money and encouraging debt, with the bank taking a nice slice as usual!
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Any taxpayer money spent on housing, should be spent for social/council houses.
but that would mean less demand for overpriced private housing, and that must be avoided at all costs!
yet more money is being transferred from tax payers to homeowners, and at the same time indebting someone who no doubt thinks they are getting a bargain!
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True, but that was in 2009, before all the council cut backs, not that they should ever do this.
How can they justify slashing services and then giving the cash to house sellers. It's a bloody disgrace :angry:
before the cut backs, yes, but after the economic shambles had started, everyone knew what was coming
and a year after councils had lost money to the icelandic banks
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I keep saying this more and more.
The people we WANT to have kids aren't. The people that we DON'T WANT to have kids are - simply because the benefits class can afford to, whereas everyone else can't. It so easy to spend money that isn't yours and that you didn't earn.
Reverse Darwinism!
http://www.google.com/search?aq=f&sourceid=chrome&ie=UTF-8&q=darwinism+in+reverse
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You must be living in a dream world , here I am in Southern Spain surrounded by Disabled , unemployed ex pats ,They have mysterious 2/3 day trips back to UK on Ryanair/Easyjet for what reason I dont know , surely not to go to DSS interviews and lie that they are permanently living with family /friends at a UK address ? Nobody registers on the "padron " for fear of loss of UK benefits . It is rife and I say that we must be the richest country in the world to pay for it all. Wake up HMRC / DSS . Funnily enough the german tax office opened a local office here about 2 years ago . Now it is rare to see a long term German resident.
if you have your suspicions http://campaigns.dwp.gov.uk/campaigns/benefit-thieves/english.asp
David Cameron To Urge Debate On Welfare Pay-Outs
in House prices and the economy
Posted
These things are being implemented, how it will work in reality is open to debate.
http://www.hmrc.gov.uk/rti/employerfaqs.htm
http://www.guardian.co.uk/government-computing-network/2012/feb/08/dwp-jobcentre-plus-monster-worldwide