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About ViciousChicken

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    HPC Poster
  1. +1. Any time this message is on display in the mainstream media, it's a good thing. They're all guilty because they were all for it when times were good and the Grauniad is no exception whatsoever. But if we insist on media organs not being hypocritical, we'll get no coverage at all. Let's hope we see similar stories in other periodicals soon. Our enemy's enemy is our friend!
  2. Excellent post, on a very informative thread. I haven't seen anything that deals with UC as well as this thread does, anywhere else on the internet.
  3. It's the $hit eating grins I can't bear. They both look demented most of the time.
  4. It's just not a good place for family life. Loved living there for a few years myself, but it gets old. People tend to get fed up with it after a few years. Another issue with the schools is distance. Unsurprisingly, most places in the city centre are quite a trek from a primary school, and tend to involve a walk along a busy arterial road that you'd be scared taking a couple of little ones along. I lived in two different blocks over three years and was surprised to observe a number of babies and toddlers there, but none over about three. There's bugger all in town even for babies, really, but
  5. You're probably right. I've heard that the big reason why payments aren't made directly to the landlord is because so many LLs, particularly the BTL brigade, have insurance that specifies no HB tenants. If you're paying the rent yourself, LL doesn't need to know you get HB. Basically it's a partial consequence of the insufficiency of council housing. What an awesome system.
  6. Oh sorry, you said excluding pension. Makes sense in a way, but then some of us are of an age where we might actually get one so it could add substantially to assets.
  7. So we're doing household then? Should I count child benefit, and what about pensions for those of us youngsters who have them but who are clearly never going to be able to cash them?
  8. If everyone has to be over 50, there can't be much demand. I do know of an elderly couple who live with their son who has special needs, and he must be pushing 50 if he's not there already. But such set ups must be a tiny, tiny percentage of the population. Two beds, I could see, but not three. SEY how is he going to be able to swap to a three bed? I thought HAs and councils would only allow tenants to swap if there'd be no more than one spare bedroom. Is your area different?
  9. Though I agree, I'm not sure that's especially relevant here. It is worrying how much food is wasted, and I can well believe there are people throwing away loads of stuff. Seems rather nonsensical to include inedible things, though. I don't think it's particularly big news that people chuck used teabags, banana skins etc- unless it's as part of an argument that we should only grow and sell food that is 100% consumable.
  10. +1, and this is what makes the whole thing so insidious. Everyone is dragged in.
  11. He wouldn't necessarily need QE and inflation anyway- both of which I agree would be bad things. If there was no mention of him being unable to pay the mortgage, no reason why he couldn't keep beavering away at it and pay it off by the end of the term. No helping out necessary. For all we know he might even have been able to afford it at a more historically normal rate of interest. Even if it was only worth £5.86 on the housing market by the end, he'd still have it to live in. His bad bargain would be his own business. I didn't see the programme, but it does sound like he was unfortunate.
  12. Thanks for that clarification- although I do expect the criteria to get that stringent eventually! Sorry to hear you feel burnt out. I can see how 33 years of full time work would do that to a person. We do need part time work to become more viable and for a part time income to be liveable on- and of course, the best way to do that is reasonably priced housing.
  13. My favourite part is her having left her own house empty. I'm so glad we're using resources in this way.
  14. MEWing is poison. I've come across quite a few people who bought a house for like 45k in 1997 (I used to volunteer at a CAB and live in the north where prices are lower) and have managed to owe 60k on it now, or similar. It's ridiculous. Almost like they were trying to screw things up! I find that much harder to understand than people who overpaid during the boom.
  15. I wonder if it will still be possible to 'opt in' by paying a fixed sum for a particular tax year? Could see that one going sooner or later. Also, crashmonitor mentions that people who haven't paid NI for 7-10 years won't get the new state pension. This could leave some people who have been to university without much wiggle room, especially if they did a 4 year course. Not all students work, especially now part time work is harder to find (I worked in the holidays when I was an undergrad, but that was during the boom when you could get summer bar and shop work very easily). Perhaps a deliberat
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