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dalek

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Everything posted by dalek

  1. This should be bumped! It's the first good going-over comical ali - or any of the b'stards - has had from the BBC. And it was obvious Kirsty Wark, despite being Scottish herself, didn't like him. In fact, at the end, her face was actually twisted with anger, even when she said at the end: 'Chancellor, thankyou very much'. I didn't see the beginning, but he was getting quite cross with her! Wonder if the Beeb has finally decided, after the HBOS Lloyds debacle on Friday, that Brown and Darling are now finished. She actually mentioned the failure of the merger in an extremely cutting comment I can't remember (I was too excited!).
  2. I am amazed by your very special post. NEVER think again of doing yourself in! The world needs people like you. I'm a quaker (and a Jungian), and I take my hat off to you. You will find a way of making a living. Take heart that you've illicited a lot of lurve from your story. One thing you have to do - stop beating yourself up about what you've been involved in. It's over. Move onwards and upward. It's history. Good for you. Stop feeling so guilty, forgive yourself. You have nothing to forgive anyway. Forgive the past and move on, it was nothing, simply a glitch you found yourself in. I think you're great. x
  3. Yes, that's the norm OzzMosiz, although with Northern Rock it used to be 15% extra a year; but for the past 18 months they've offered these amazing deals whereby as long as you leave £100 as a mortgage (paying only interest every month) you don't have to pay the penalty. If you don't believe me, ring 'em!
  4. It's with Northern Rock - all their fixed-rate products have the penalty get-out
  5. Gosh, those replies were quick! Thanks. As to early repayment penalties, with all those products you can clear as much of your mortgage whenever you like without penalty as long as you leave £100!
  6. My mortgage deal has run out and now I have to decide whether to take a 5-year, 7-year or 10-year fixed rate at 5.09%. Obviously as interest rates are only going to go up from now on it makes sense to get a fixed rate. But for how long? My feeling is interest rates will go up for the next few years, but I think I should also take into account a recession, which looks likelier by the minute, on top of a house price crash. Some people here, myself included, believe this crash will be worse than the last and consumer spending will soon grind to a halt as everyone is strangled by their debts from mewing and have no more 'equity' to spend. I wonder if it would be safe to assume the economic downturn generally could well last 10 years and if so, what effect would this have on interest rates? Any ideas welcome.
  7. I received a phone call from an estate agent yesterday, and we had a chat about the housing market - I'd contacted them for a valuation a year ago, when I lost my job, but after two nerve-wracking months, managed to find regular work again and decided I could stay put. I mentioned btls pushing up prices where I live in East Dulwich, London, and he said: 'We're seeing very little of those nowadays.' Incidentally, he reminded me he'd valued my flat (a slum bought for £77,000 eight years ago; I've since done a lot of work on it) at £210,000 at the time (Sept 2005) and wanted to tell me I'd get 'at least' £250,000 for it now. How on earth can this be! In just ONE year, it's shot up £40,000!?? It's truly gone bonkers now. Watch it collapse like a pack of cards...
  8. While I think much of this situation, debt-strangled graduates, indebted home 'owners', and yes, even debt-ridden chavs - has been contrived by Labour to control the masses, I believe the pigeons have come home to roost now and the tables are turning. On top of the Labour Party's financial mess, even Blair faces bankruptcy - the 'value' of his hideous £3million btl (one of a few btls he 'owns' apparently, along with many in the Labour government) has already dropped enormously. In a crash he and his cronies would lose everything - and once kicked out, I doubt anyone, especially the business organisations in whose pocket he lives, would want the embarrassment of paying such a loser large sums of money to go on the after-dinner speech circuit - which is how he hopes to make millions once out of office.
  9. Oh don't you. Well, what I am saying - despite having been a lifelong Labour supporter - is I believe things are worse under Blair than they were under Thatcher. Were people unable to buy homes under Thatcher, for instance? Yes, I think the explosion of greed began under the Tories, but Blair and Brown have taken this to new and more sinister heights. Keeping our wages down for the past few years and now encouraging the use of cheap immigrant labour to ensure wages actually drop is another ploy. This is why people, also squeezed dry by stealth taxes, are having to MEW or use their empty credit cards simply in order to live. These people are living in complete terror, knowing they can't keep juggling for long. In fact, I bet there are a few on this site who have taken to drink themselves over the past few years, especially as we, unlike many of the British people - until very recently that is - can see and understand the horror. And by the way, as unemployment is rising at such an alarming rate, those very nerds and ex army colonels who are pontificating about the unemployed - 'get them out digging holes' etc - could well find themselves, as I could, trooping down the benefits office to pick up their own giros. Get a bit of compassion, will you, or at least empathy. Are you all sociopaths? (except for Munro - thanks).
  10. Am I the only person who thinks there's a much more appalling reason for these figures than merely a rise in sponging? (Those of you who remain on this site are such a bunch of knee-jerk fascists). Could it, just could it, be that Blair's and Brown's policies have led so many into complete despair that thousands have turned to alcohol and drugs over the past few years to deaden the reality of life. For me, living in Britain has never been so vile - watching a Labour government create, with the help of its master, Big Business, a society in which the gap between rich and poor hasn't been so wide since Dickens's day.
  11. Sigh. Yet another woman-hating tosser on hpc. I take it you're single and forever likely to be, considering your views. Ugh, fascist.
  12. I know what this is! Consumers are cutting back on consuming, so what better way could there be to get them to rush out immediately and buy those new plasma hi-def TVs, before they 'soar in price'. Ha ha, pathetic. These TVs sold, mainly through credit, like hot cakes during the World Cup, and now sales are stagnating. It's just another scare story.
  13. Don't waste your energy being angry - to me, this u-turn just shows how desperate the VIs - including Blair and the other btl MPs - are. Sellers would only have had to find £1,000 for these packs - and with all their so-called tens of thousands in equity that's a drop in the ocean - and it would have speeded up the selling process. Blair and Brown know that the slightest thing now will bring their debt-fuelled economy crumbling down. It's tragic how desperate they're all getting. I'm enjoying it as blood sport really.
  14. If Bliar goes before Christmas, as some newspapers reported last week regarding rumours among his 'friends', then he will go with his tail between his legs. It's possible, it only needs one more black mark against him - and the Press do seem to be scenting blood and sniffing around now - to see him off. In which case, he'd be seen as a pariah, an abject failure and an embarrassment. No one would touch him. All he has is the "Look, I'm a pretty straight sort of a guy" act, and once that's gone for good, he's nothing. This forecast £20 million would only appear if he went in triumph.
  15. I posted the following on the thread 'it ain't happening' and I though it needed posting, with a few changes, here: 1. The kind of posts we're getting from newbies (I don't mean Marina or Michael etc who are just going through a bad patch) sneering at our belief in an HPC never used to happen until now. Yes, we've had our trolls, but this is different, this is an onslaught. They're not even disguising the fact. So why is it happening now? Think about it. The VI's (and of course this one is an estate agent!) are getting desperate. They know we are starting to get publicity and that the reason we're starting to get publicity is because the press are finally beginning to acknowledge all is not well. 2. Remember the expose of Tony Bliar's recent property misery? The Daily Mail reported on its front page that his grand £3.4million house in Mayfair is now valued at £200,000 LESS than he paid for it and his two Bristol flats have gone down about £30,000 each too. That bit of news must have made many people think something is up with the market. Even the PM is being affected. 3. Consumers have stopped spending. Look at the daily tally of job losses, firms going under. And it isn't going to stop. From now on we MUST ignore these new VI t*rds. The crash has started (for those who still need convincing, read the expats website), and once sellers realise that their fabulous Right Move prices have no basis in reality - which will take a few months, as they're all still heavily in terrified denial - the whole pyramid scam will collapse very quickly. Courage, my friends! You too, Marina and Michael. Get a grip and don't despair. The trouble is that for you and many others it seems to have taken so very long - but that's because you saw the signs of a bubble long before anyone else did. It's only now more and more people are beginning to realise what's up as it becomes glaringly obvious.
  16. Why are you all bothering to answer this type of thing. Look at how many replies he's had! Two things spring immediately to mind: 1. This kind of post never used to happen until now. Yes, we've had our trolls, but this is different, this is an onslaught. They're not even disguising the fact. So why is it happening now? Think about it. The VI's (and of course this one is an estate agent!) are getting desperate. They know we are starting to get publicity and that the reason we're starting to get publicity is because the press are finally beginning to acknowledge all is not well. 2. Remember the expose of Tony Bliar's recent property misery? The Daily Mail reported on its front page that his grand £3.4million house in Mayfair is now valued at £200,000 LESS than he paid for it and his two Bristol flats have gone down about £30,000 each too. That bit of news must have made many people think something is up with the market. Even the PM is being affected. From now on we MUST ignore these VI t*rds. The crash has started (for those who still need convincing, read the expats website), and once sellers realise that their fabulous Right Move prices have no basis in reality - which will take a few months, as they're all still heavily in terrified denial - the whole pyramid scam will collapse very quickly. Courage, my friends! You too, Marina. Get a grip and don't despair.
  17. So shops that have been having '50% off sales' recently are NOT making a profit???!!
  18. Good idea! And as MarkG said, Danziger has already beaten me to it, although it seems he focused on the usual suspects - drug addicts, fallout from shipyard closures etc. I'm not saying these people are not the deserving poor, even drug addiction can be a result of living in poverty, but it seems to me that nowadays ANYONE can become poor through no fault of their own. Each and every one of us. One minute you're solvent, then you get sick or old, or lose a job not normally under threat, and suddenly you're part of †he underclass. By the way, where is Right Fred's Dead. Are you alright mate?
  19. Thankyou for all your replies - you were all, give or take one piece of pxss (awooga), really compassionate. I did like the take of Munro, very clever. Except in this case, the wife does not have cancer, and the son is in a good, well-paying job. To me, it's an incredible tale and on my doorstep. And not something I would have heard even a year ago, I don't think. I really think it's symptomatic of what's beginning to happen now. The old dear, by the way, is a tough old boot - her garden is a joy in the summer, she's out there every autumn and spring digging away. But she's very kind, and was seriously upset about the thought of having to leave her home, quite naturally. And she loves her son - she said she had no option than to do something. She - unlike me - doesn't judge him. It's true, she might as well offload the amount that would have to be paid in inheritance tax on her son, I suppose, it's just the way he and his equally grasping evil wife decided to go about it. And £70,000 in debt in your 50s, what's going on? He's lucky, the bxxtard, but many won't be. Watch this space.
  20. I posted this anecdote recently in a thread that wasn't much seen - so I've posted it again, as I think it's important. I met my 90-year-old neighbour last week. She was in tears - her son, in his fifties, had told her he was £70,000 in debt (on top of his mortgage, he lives in the countryside and has a good job) and the only way out was for her to sell her London house , now valued at around £470,000, and come to live with him and his wife. She was desperate - worried about her son, who was saying he'd have to go bankrupt otherwise and terrified of leaving the home she's known for 60 years. Anyway, she'd reluctantly said yes, but after chats with me and others, changed her mind. She rang her son to tell him - his wife was already out viewing for a new, more expensive house in which they could all live! A few hours later, the wife rang my neighbour to say she was disappointed, and would now have to leave her son! Talk about emotional blackmail. My neighbour then took financial advice from another relative who's in business, and they decided that instead of moving, she would take out £100,000 from her property under an equity release scheme and give it to the grasping pair of vultures. How did this grown couple get into £70,000 worth of debt!! And now they're so desperate they'd turf this woman out of her home - at 90! I'm not sure how these release schemes work - they're aimed at the elderly - but the son'll lose much of his inheritance when his mum dies because of the interest on that £100,000, which I think will be enormous, but he's desperate. Needless to say, the wife isn't leaving him anymore...
  21. My ambition is to publish a book of photographs entitled 'Blair's Britain', exposing the abject poverty in which people are living today - in squalor and overcrowding. Mainly the elderly, and genuinely disabled (I don't mean the 'depressed' and shiftless, but the many thousands who, due to terrible injuries or illnesses simply can no longer work). Children are also victims here. There is a real feeling today, like in Dickens's time, a myth, that all poor people are the 'undeserving poor', but this isn't the case, by any means. And on top of that, due to the greed of so many people, the poor are going to grow. Are they the undeserving poor, or the misguided poor - people who were lured, through being bombarded by banks, into maxing out on credit. Working-class people who suddenly, through the 'equity' in their home, thought they could now spend, spend, spend on things they previously could only have dreamt of. I remember Neil Kinnock saying of Britain: 'Don't be old, don't be sick, don't lose your job'. The same is true of Blair's Britain - a Labour Party Britain.
  22. Nadolig llawen i bawb (I'm Welsh too, Snowdonia). Blwyddyn Newydd Dda (happy new year) to all you humans - and, let's face it, hpc site is the last bastion of humanity left in Britain. It's all going to come good. x
  23. Quite right. But it's not a 'battle of the sexes' thread is it, it's the old 'we have nothing but contempt for women' thread from the more sad and bitter male elements on this site. sigh.
  24. My experience tells me you're wrong. Many middle class - and I'm talking upper middle class too, my profession is riddled with 'em - have UNmanageable debt. You'll love this, one of my colleagues has turned to the oldest profession in her spare time simply to have a social life! I see bitterness and anger all around me at work. Similarly, my teacher friends (no, they're not all turning to prostitiution, but they're all on the edge). Last time, the middle classes were able to ride out the storm, but this time, as many have £200k mortgages, they could not stand a rate rise of 7%. I couldn't! It's fine if you're well-heeled and can say 'there go our golden profits and thus our 6-bed mansion in Gloucestershire, but believe me, they're in the minority. Anyway, I've had 6 glasses too many, and I want to catch the rest of 'most haunted', so sweet dreams, Fred. And try not to worry. x
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