Debbiebegood
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Posts posted by Debbiebegood
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"The young are being squeezed by the old"
Yes, but that is only the part of the big picture which is: "The young are being squeezed by the old who are squeezed by the very rich old." Those rich old are the ones that are constantly vacuuming the money out of the society and in the process they squeezed both young and old people.
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When is Osborne proposing to start working.
Last time I checked he had never had a full time job outside of politics.
Strange how everyone hooted at the fact that the Rev Flowers was made Chairman of the Coop bank when his only experience of the financial sector was working as a bank clerk as a teenager. Yet no one ever questions the fact that the government finances are in the hands of a man whose only business experience was a part time post folding towels in Selfridges.
It is a mad world my masters.
+1
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+1
Borrower is in collusion with the bank when creating money (out of thin air)which is based on a promise to pay in the future.It is in the '"human"nature to exaggerate (amongst other bad things),hence this promise (which is based on some other promises) is just one of many other promises to repay the future money.Eventually the whole chain of promises is really one hugely exaggerated promise to pay in the future which collapses even if one link (promise) fails to materialise.
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You don't seem to realize that Transport for London is part of the government. It's not a private corporation. Little wonder, then, that you would support people like Bob Crow.
If your definition of quango is the "part of the government", then you are wrong.
Quango is only in the name a part of the government:
Quango is by definition a: quasi non governmental organisation.
That "quasi" bit is interesting, and it involves vested private interests.
The UK government's definition in 1997 of a non-departmental public body or quango was:
A body which has a role in the processes of national government, butis nota government department or part of one, and which accordingly operates to a greater or lesser extent at arm's length from.Taxpayers' Alliance, claimed that £15 billion was being wasted by quangos in 2008
Regardless,the bellow 2008 link reveals the salaries of TFL bosses.
Definetly their salaries are much higher nowdays:
Transport for London, the quango where 100 staff earn more than £100,000
UK 529 quangos in 2005, and despite Cameron's promise of the quangos bonfire at election time in 2010 nothing was done to reduce them.
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Is he just wanting for buy it under "right to buy"?
To be fair no matter what he'd get a bad press.
Union boss lives in £1m mansion
Union boss made £250k buying his council house and then selling it.
Union boss lives in council house which he pays rent for...
+1
How exactly does having the highest rail fares in Europe give workers better working conditions and a better salary? Certainly, the holders of non-jobs on the Tube benefit handsomely from the situation, but pricing people out of jobs because they can't afford the commute into central London does not give the majority better working conditions or a higher salary.
Correct, but....
Transport for London, Stagecoach,etc,...are all leaches (private enterprises) on the public purse and also charge extortinate ticket prices.
I heard it on the radio that they have so many managers/bosses who easily beat Bob Crows' salary.
I also know the London bus driver who told me that the above companies charge the government for the full journey of the bus,whilst keeping the busses at the garage or not completing the journey.Also, they get paid by the government to train bus drivers,then just before they are about to get the job they get sacked in order to get a new subsidy for "training" a new bus driver.
This industry is yet another one subsidised by the taxpayer and they have the political might to increase ticket prices as much as they want.
Same old story - government cronies get money from the government and even become "Sirs" and "Lords" for their "services".
Bob Crow at least manages to get some money for workers out of all that money pouring in from all of us.
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60k? an average? can you provide evidence for that? It seems rather high seeing as the national average is £26k, which would put him significantly in excess of the mean average for the UK.
Bob isn't a boss? I think you and I are differing over terms. For all purposes, Bob is a union "boss", a boss who earns far in excess of the national average wage whilst residing in public housing meant for those who need it the most, enjoying all the trappings of a high earning lifestyle to boot, he is a shameful hypocrite wearing the sheepskin of socialism .
Edit:My own brief check shows a max of 48k for rail staff and 16k for loaders at the lower end, £28,301 is the average, so a claim of a 60k average is a bit of a stretch, my opinion still stands, Bob is a leftist fat cat who is overpaid for his "skills" and a hypocrite of the highest order.
I used the word "allegedly" when stating £60k salary for tube drivers,because that is what Bob Crow said.
Maybe including "bonus" because of Olympics?
Still,even at £48k (is it for tube drivers?) his salary is only 3 times bigger than theirs.
Anyhow, what about banksters and their cronies homes + "homeowmers" whose mortgages and interest rates are constantly subsidised with the government handouts which the rest of us are forced to pay?
As far as I am concerned, I subsidise their living in those homes (which they could never afford in the true market economy) with taxes I pay and with the loss on interest rates on my savings + my pension will be small (if I get any) because of these subsidies.:angry:
They are all on social security benefits (they use a different name for it as: FLS,Help to buy, mortgage interest relief,etc) but contributed nothing to the economy or the wider society.
If Bob Crow is not wanted by RMT,they can always vote him out.It is RMT's opinion (and mine) that he deserves that salary + that Council flat for what he did for RMT.
I can only wish that other Union bosses follow his example,but they are in majority of cases corrupt (by the government) and incompetent leeches.
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There are many other things I would rather be discussing than our boy Bob, however he is a clear example of the symptom of the disease which infects the UK, the whole hypocrisy of the socialist left has a poster boy! I find it amusing that the person you support who does so well for his union members is just the leftist version of the fat cat banker, but he is loved for it, how much more than the average working RMT member does our Bob take home?
Is that socialism or exploitation of the workers by another "boss", dear oh dear, you can't have it both ways lefties.
Allegedly RMT members are on average £60k.
Bob Crow's salary is 2.41 times bigger.
Compare that ratio with ratios of managers/bosses in other companies or government's agencies/LA's.
Surely it is much higher.
Even in Socialism, boss (Crow is not their boss, he is the workers' representative) is paid more than an ordinary worker.
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Getting a mortgage is the most important thing in your life.You have to "fulfill a dream" of "owning" a home.
In order to get the maximum number of suckers into the Ponzi, Government is trumpeting the above and of course, they constantly need more mortage "eligible" new suckers to sustain the Ponzi.
They do not want any pay day loan lenders to compete with their crony banks on the High street.
Hence, use the blackmail/fear of not "being able to get the mortgage" in order to get suckers away from payday lenders.
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Lots of daily mail readers frothing at the mouth because the guy on £145k in London, which i assume isn't the mega money it's being made out
to be in this day and age, prefers to pay rent to the council to live in a nice house with a fair rent.
Politics aside, how dare he not pay over the odds to live in a new build cardboard wendy house, or pay an obscene amount to some amatuer landlord muppets each month for his 6 month tenure, or pay hundreds of thousands in interest payments to keep bankers in champagne.
Can't say i blame him, he's paying the rent out of his earnings
+1
There are much more important topics that affect the UK than the fact of Bob Crow"s Council tenancy.
I listened to Bob on LBC some 6 months ago and I agreed with every word he said, although he is a "wolf in sheep clothing" as some HPCers will say (and I agree), he did a great job for his union.
If there were more Bob Crows around workers would have had better working conditions and a better salary.
London bus driver phoned into the programme and attacked Bob with lines: "You and your union should be ashamed of high salaries you get.London bus drivers do not have good salaries".
Bob Crow replied: "Do you have the Union'? Bus driver :"Yes". Bob Crow: "Then urge your Union to do something for you and blame your Union for not working for you."
Bob Crow also said about relations between his workers and the management: "It is us aginst them, because they are always against us".
Bob Crow on immigration: "All workers are my brothers, and if they come to the UK I will welcome them provided that they do not work for lower salary than us."
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You've got to spend money to waste money in the socialist education system.
Please do not put the bad name on socialist education system.
This (and everything the UK government does including the bank subsidies and endless waste and corruption to suit their cronies) has nothing to do with socialism.
In socialism, there were no pupil/tuition fees,and educational standards were higher than even in the UK's private education system where you have to fork out £14k plus per year.
In the UK,if your parents are rich and influential then, you get a good University place and a good job with very little knowledge/education.
On the other hand, in Socialism you get to the top School and the top University if you have excellent grades (grades 1-5, 2 is a pass,1 is a fail) in all subjects (average 10 even 12 subjects per year starting from year 1 primary School until year 12 Secondary Schooll.
If you fail in one subject (get grade1), you repeat the whole School year in all subjects) + pass the University entry exam.
In Socialism there were no minimum student quotas (like at least 50% of young people have to go to Uni what Labour introduced) + no mickey mouse diplomas.
Children of communist party officials (ruling "elite") were not getting better Uni places just because they were "priviliged" as in nowadays UK.
Socialism had its own faults, but its education was not dumbed down and lacking competition as in nowadays UK.
Overhere even the rich do not get a good education from private schools/Unis.
The only thing they get is good connections, hence they get a great job without any knowledge required for it.
(Remember George Osborne's towel folding skills leading him to becoming a UK finance minister.)
His kind of degree - Second world war history - was non existent in socialism,not to mention that lawyers and economist professions were seen as easy/soft subjects/professions suited only for the worst/unable pupils.)
By the way, engineering and science degrees were held in high esteem and well paid, but you needed at least 4 years (Civil engineering 4.5 years) of lectures + final project in order to gain Bachelor's degree.
Add all the optional subjects for every year (studying for UK Masters degree) + another 10 exams = Bachelor's degree in socialism.
Nuff said.
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1) The issue of why are the prices of homes so high in the 21st century Britain in the age of sophisticated computers,technology,... is never raised by anyone when confronting these politicians.Ridicoulus.Previous generations including Victorians would laugh at us and watch us in dismay that with all this technology we still rely and cherish the size of Victorian homes.
The very fact that the buyer can only afford 5% deposit only shows how ridicoulusly high are home prices,but sheeple cannot see that.
Not one person from the audience or journalists ever probes the above and bellow facts:
2) In the age of stagnant (and falling) wages, the price of the building work should surely reflect that.
3) The price of land is another issue:land banks owned by developers who time building these homes with increase of house prices.
(At least this issue was mentioned at QT).
4) Endless government subsidies to banks and developers increase house prices.
Each time the government anounces a new subsidy,the developer increases prices often by 10% at least.
5) New homes are shodilly built both from outside and inside,and they are rabbit hatches,smallest in the western world.
6) If the government really wants to "help hardworking people" (they are taking a p**s at us because they know that we will have to work really hard and still be unable to pay off the mortgage in our lifetime) - they should lend money directly to people at 0.25% (banks get it at that rate through FLS) and NOT at 5% (what banks lend on average,forget about the introductory rate which last for only 2 years).
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HI This is my first post but I have been reading this site for a while. It is a shining beacon in a sea of idiots!
Yes.Nice post.I am in the same boat and even though it seems that we are swimming against the tide, I will not be buying a crap derelict shoebox even though they (media,politicians and EAs) flog it as a "great potential" in an "upcoming area" , "great location",etc.
Incredibly, it looks like that 99 out of a 100 sheeple out of this stampeding herd are into this "get rich quick" crap.
Each time I speak to young or old, they are disinterested and look at me as if I am crazy or from planet Zenga.
Brainwashing in Communist countries is nothing compared to this.
In those countries people knew that they were lied to, over here they don't.
And the worst thing is-they don't care that they do not know much about anything-"Education system" dumbed them down.
Even 2+3 is not 5 for them for more than a decade now.
2+3 is what the media,politicians and EAs tell them.
Unbeliavable,considering that this island is the birthplace of Newton,Cavendish,Berners Lee,...
Do not give in, and I hope that other HPCers do not give in to this crap of "house prices will rise,etc" and then buy the overpriced shoebox slum.
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Bunch of kunts.
Such sofisticated, educated (and all knowledgable) "elite".
Greedy, evil,lazy imbecils rule other greedy, evil,lazy hardworking imbecils and give them breadcrumbs like HTB schemes,etc.
Adios,Britania.
You were pillaged and destroyed irreversibly in less than 15 years thanks to phoney corrupt main parties consisting of the above imbecils.
I am so sorry to see this country go down the sewers.
So much potential,yet everything valuable and dear destroyed.
Most of all our children's futures.
We will all suffer even more and it will never stop unless people (not sheeple) do something.
Remember when "Labour's beloved" Big Daddy (Gordon Brown) exclaimed many times:"This is the New World Order"?
He was right, and he was the one who introduced it into UK with Bliar.
Camoron and Osborne only continued Liebour's legacy.
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If people are paying a mortgage they are less likely to strike?
It was also encouraged to ensure people voted Tory, however this in itself becomes a policy quagmire when you have a housing bubble. Although the gerrymandering aspect is often neglected.
I'd also suggest it makes people feel rich as they get to live in a £100k, £200k, £300k house. Psychologically it's a very powerful effect although in the strict sense of wealth entirely meaningless as you can't access the cash unless you sell or Mew.
You hit the nail on the head.
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There seems to be expectations that a recovery in the property market will see transactions and prices back at their 2007/8 highs.
Articles such as this have become common recently.
UK house prices to rise by a quarter with London average to hit £500,000 by 2018 - CEBR
Foxtons to float on London Stock Exchange
This will not happen in the next 50 years as 2008/7 were one off credit fueled boom where demand was from investors and speculators using cheap money to speculate in the housing market.
This fake demand cannot return unless banks accept self cert mortgages and relax lending standards back to where they were before the collapse.
First time buyers and movers will never be able to makeup this level of transactions. As real wages decline, movers would require rising asset prices to give them enough cash to pay stamp duty (yet again) removal fees etc.
Many of the older generation are in their 'house for life' and have no desire or need to move, many of those who were looking at downsizing are now using equity release instead.
Increasing number of renters are also not helping transaction levels.
I think that it is quite clear and obvious that transactions are not going to recover even with the HTB and HTB2 schemes as they only target first time buyers.
How can the number of estate agents that has shot up recently be supported?
Liar loans (self-cert,etc.) are back in vouge for some years now.
They are under different guise/name, but it is still the same crap ("impaired credit history" buyers will be accepted by FCA for HTB,etc.,up to 75 years of age you can STILL get a mortgage after alleged very recent "reductions" from 85 years of age,multiples of 7-11 times salary esp.in London,5% deposit for FT buyers which takes them 7 years to scrape the barrel in order to save that 5% deposit but all of a sudden once the Government guarrantees that they will be "capable" of paying off their mortgage,they will be "able" to pay of 5% interest per year + alleged "repayment of the mortgage" it is a liar loan surely,etc...)
Remember "Special liquidity scheme",etc. devised by Big Daddy (Gordon Brown) to "help us all" by giving Social Security benefits to Banks (for nothing in return to the taxpayer) for years.That was official,how much help they gave Banks unoficially over these years we can only guess.
We were all waiting on this forum for years for those Social Security benefits for Banks to end.Then came FLS,HTB,...
All the above (not to mention anything else) points to the fact that nothing has changed-it is much worse now.
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They are not mistakes!
Spot on.Nobody is that stupid and incompetent to make such big "mistakes",so many of them and for so long.Not even them.
The whole thing is deliberate.
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Yip, there's your choice a Balls or Osborne.
That's why I will be voting UKIP.
That's why I will be actively campaigning for everyone else to vote UKIP.
VOTE UKIP.
I wish if it was that easy.
But:
The problem is not in Europe,the problem is here in the UK - every UK party sitting in the Government does the same bad things,all of them were born/or educated in the UK, they all speak native English and are being voted into power by Britons.
They did not come from Europe or Jupiter.They come from Britain.
The world is not black&white,the world comes in all shades of grey.Europe is not all black.
There are many good things that come from Europe,hence they should be kept,whilst the bad things should be booted out.
Hence, leaving Europe will change nothing.UK will still be governed by the same lot.
Banksters will continue to control everything and rich will become much richer and poor will become much poorer.
Capitalism and market economy? Forget about it in the UK.
Logic? Forget about it in the UK.
Common sense? Forget about it in the UK.
Fairness? Forget about it in the UK.
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I saw that in City AM this morning and also thought of it when I saw this post.
The problem is that the government are chasing high prices at all costs. In an ideal world, London prices would be 4 times London income, so how it it be anything but a bubble when they have gone up 25% of that in a year when they are massively overvalued to start with anyway?
It is even worse in the States. I read an article recently describing how houses in a certain area a valued 20% higher than last year and that it was hoped that sort of growth figure would be sustainable.
Why don't people realise that it has to stop somewhere? As has often been said on here, if the price of bread or petrol went up by 20% each year it would be seen as a disaster, but when housing goes up by the same amount it is suddenly very positive.
I have been saying the same thing to so many people, and 11 out of 10 watch me as if I am totally insane/stupid.
If the world is freezing,and the Government says it is global warming, then everyone will start to feel warm.
Crazy,but true.Talk about repeating anything (no matter how stupid or untrue it is) enough many times,then it becomes the self-supporting/evident truth for sheeple..
because, housing doesnt cost...loans to buy do, and that is where they concentrate the "cost" element...shame that the last incarnation of HTB will be 1% down,99% free loan from the Government. it is the logical end to this nonsense,
I foresaw this in the pipeline a few years ago.Even more so,they will eventually start giving you money in order for you to take the mortgage.(Of course with 0% down for deposit).That is the only way the pyramid will be sustained.
A decade ago average prices were 5.5 x average salary, same as today, but the long term average is 4 x average salary so still over priced by 37% even if you accept the supplied figures (which I do not accept are correct). IMHO based on asking prices compared with properties I know from 1985 (so 30 years ago) prices are 300% up on prices then ie in 1985 you could buy a property for 3 x salary and now the asking price is 10 x salary.
The BoE will watch prices closely just like Carney did in Canada ... watched the prices but did nothing.
+1
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Did Bank of Ireland backtrack on its interest rate increase for BTL?
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How is he right?
Ignoring the fact central banks can't make counterfeit notes - at best print genuine money needlessly.
The community reinvestment act did not force US banks to not check whether customers could repay loans. That is false.
In fact - most governments have followed a policy of deregulation in recent decades which led to the financial crisis. Opposite of his point.
Obviously spent 35yrs in financial services snorting cocaine or similar as his insight is woeful.
Hmmm.If central banks make paper notes with their name on it,then they can not be accused of counterfeiting their own design.
Paper notes contain the "promise" that BOE will pay the "bearer" of such note "the sum of..." which was originally based on the weight of silver.That promise was broken a very long time ago, hence the £ now is worth this little nowadays.
It is even much worse now,because the Central Banks do not even print notes (that is expensive).
Instead,they "create" virtual money which starts it's life at the Central Banks' computer.
Nowhere on that virtual money is even the (false) "promise" to pay the bearer the sum of...
Hence,instead of counterfeiting,they should be accused of fraud because of their deliberate false promises that they will pay something which they do not have and never will (in regard to the banknotes and coins which they manufacture).
Ironically,with the "manufacture" (press Enter on the computer keyboard) of virtual money they are not promising anything, hence technically they cannot even be accused of fraud.
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As always, "elites" take a p**s on sheeple whilst stealing from them.
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'The situation, if anything [banker's immunity from prosecution] got worse under Tony Blair and Gordon Brown when in 2000 they passed an act called the Financial Services and Markets Act 2000, which basically included a clause which said that the competitiveness of the City was more important than the rule of law.'
in 'comments'
Section 262 (page 161):
Financial Services and Markets Act 2000 (f) modify, exclude or apply (with or without modifications) anyprimary or subordinate legislation (including any provision of,or made under, this Act);(g) make consequential amendments, repeals and revocations ofany such legislation;(h) modify or exclude any rule of law.(4) The provision that may be made by virtue of subsection (3)(f)includes provision extending or adapting any power to make subordinate
Guido Fawkes And Bedroom Tax
in House prices and the economy
Posted
+100
Govermnent are goading one group against the other.And yes,people need to move from their backside and contribite to the society,on the other hand just the bonus pool for RBS managers is £500 million. The world is never black or white.It is in 150 shades of grey.Everything needs to change throughout the whole society.Let's start with Osbourne then move on to Gov's cronies.Plenty of money there (sucked out from us) to pave streets with gold.