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House Price Crash Forum


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Everything posted by RightToExistInASpace

  1. I'm gripped by the paralysing fear that journalists like this might actually contribute towards shaping public perception.
  2. Yes, I agree that it's a case of working out who is most responsible... I'll order it how I think it should be:- Tier 1 - Gordon Brown - The BoE - The banks Tier 2 - The media Tier 3 - "In the know" Speculators Tier 4 - Naive Speculators A bit simplistic though! Going after them from top down would suit me. The ones at the bottom are the easiest ones to annoy though - but not the best - it would be more about petty jibes than any real effect. I honestly do have nothing but bile and vitriol for our lying, manipulative, self-serving government.
  3. Well, I'm not a "dobber" as such. Ethically I have an issue with BTL, but can see why it has appeared to be an attractive proposition to those who've had their pensions raided for example. If a BTL investor has some respect for tenants and provides a good service then I wouldn't have such an issue with them. I think the responsible parties are (in no particular order):- - Gordon Brown - The BoE - Speculators - The media - The banks All acting for themselves. I wouldn't like to tar all BTL investors with the same brush, but then the ones I have met have been utterly vile, self-serving, I'm-alright-jack types where if someone were to "grass" them up, I'd probably see it as justice served. My view is as simple as this - i don't have a dogmatic objection to "grassing" - it depends on the circumstances and whether or not the actions are "just". This depends on any number of individual issues relating to the parties involved.
  4. Thanks for your warning. I'll remember that next time I consider grassing you up for letting a property to me on an OO mortgage. If you're going to play the "hard man" you're better off without ties. If you have a family you're putting them at risk of retaliation. I hope you'd consider that before taking the law into your own hands. The commonly held wisdom is that one of the reasons we have a legal system is to stop tit-for-tat violence, vandalism, or other acts of "revenge". I've seen how the "I'll make you pay" mentality leads to a never ending spiral of hatred and bile between two parties. Fortunately, I'd say the majority have the wisdom to avoid this kind of scenario. Thank goodness for that.
  5. Thank goodness we do have a "state" and rule of law or we'd likely be at the mercy of you and your "morals". If you lived next door to me, with your sort of attitude, I'd have no problems grassing you for tax evasion, littering, or excessive flatulence for that matter.
  6. Personally, I'd look at it this way:- Does the landlord sort out any problems with the property you have? (E.g. dripping taps, toilets that won't flush properly, dodgy boilers) with haste and consideration for your right to a reasonable hassle-free standard of living. OR... At the other of the scale, does he view you as scum, do nothing other than take your money and fob you off every time anything goes wrong? If it's closer to the latter, then dob the bugger in. He asked for it. If it's the former, it's not really a big deal is it? Leave it. Dobbing on one landlord is not going to change the socio-economic make-up of Britain. Try bombing parliament - that would be much more effective* *For any NEW Labourites or law enforcement operatives or that was not a serious suggestion
  7. Oh come on....you're telling me bin men are on about £35,000+ !? Where this misconception that everyone from Surrey is rich comes from I will never know.
  8. Traditionally:- Working class: Are of medium or low intelligence, not able to sustain employment that requires the intricate management of people or processes, or never given the opportunity to prove that they might be able to do so. Middle class: Are of medium to high intelligence, better educated and able to work in positions of responsibility through opportunity (family contacts, education opportunity or otherwise), innate ability and experience Upper Class: Were lucky enough to be born rich. What the class system has become is more like:- Underclass: Completely unemployable due to attitude, terrible life experience/upbringing. Sustained by the state Working class: Everyone who works and can't give up if they wanted to as they are slaves to debt in order to maintain a reasonable standard of living. The lower paid being subsidised to bring them up to the level of those who do earn enough to live on. Upper class: Rich folks who work for pleasure and can give it up at the drop of a hat
  9. Come onnn.. just look at this post!! He's got to be a wind-up merchant... Surely no one is this ignorant......are they?
  10. He says "This ratio has remained remarkably stable, as house prices reflect the cost of money. It is worth repeating the statistics: the median mortgage payment for first-time buyers was 16% of earnings in 1975, 18.4% in 1980, 27% in 1990 (the last year of madness) and 20% this year." Does anyone actually believe this figure? Does anyone know any first time buyers who are paying around 20% of their income on mortgage payments? This seems utterly absurd to me. Unless most first time buyers are now on about £50,000 a year? Where is this figure from? I simply do no believe it!
  11. School support staff are generally paid on a 40-week (approx) contract. Yes, this is spread evenly throughout the 12 months so they get paid in August when they don't work a day, but technically they are not paid for the holidays. Support staff who are on full-year contracts get more money on the same pay grade. A teaching assistant's pay is generally abysmal. If it was paid for the full 52 weeks, it would be a bit better.
  12. If you visit most developed western economies on business or as a tourist, you won't notice the major underlying problems. There's a common folly of thinking that extensive travel makes you an international oracle. I hope this doesn't apply to you. It's only one component in an understanding of the world's countries and cultures. I take your point though about it not wishing to make it sound perfect. But I don't believe their system "works" as well as your post would have suggested. Malmo has enormous social problems and I can see the same problems spreading to other Swedish cities unless they realise what has gone wrong. The more these problems spread the more this negates the apparent "quality of life" that Sweden offers. PS: I'm sure your linguistic foray impressed everyone who read your post. Well done - you really are a true intellectual!
  13. It makes the picture of Sweden that you paint a touch less utopian than you'd like it to be. Therefore, it's probably easier for you to dismiss it as "non-existent". I apologise for reducing your words to "wibble". It was out of the sheer laziness of not wanting to give the whole quote, but then not having the motivation to edit it.
  14. It's an example of how their liberal "accepting" socialist society has brought about enormous social problems which dwarf those we have in this country. If you were a delusional idealist you wouldn't realise this though. http://en.wikipedia.org/wiki/******
  15. That's the one, yes! Not true of all graduate schemes though but I get your point But earning good money for 5 years is better than not at all.
  16. Try telling that to the HR department of a blue chip company when you're trying to get into the graduate scheme.
  17. Since when were teacher's "low earners". Even new treachers earn pretty much the national average. Teachers start on at least £20,000 which is automaticaly incremented every year with very little increase in responsibility. This happens until they reach the top of the scale. In my experience, an average teacher with about 10 years in the job, that's never been promoted and has some kind of extra responsibilty is on at least £30,000 + a generous final salary pension and unheard of job security. Some teachers are great, conscientious and care about getting it right. Other's are useless and drift along without much effort at all, seemingly not caring if the students all hate them and are achieving very little. The latter kind is prevalent in crap (e.g. inner city) schools. If you're the latter, then working two-thirds of the year for about £30,000 isn't too bad really. It's the conscientious, hard working, talented teachers that I would feel sorry for.... I say "would", but fortunately the system tends to recognise their abilities and a sucession of swift promotions tends to see them earing £30,000 to £40,000 in no time.
  18. I constantly see people here saying "inflation erodes debt". Inflation of goods and services does not erode debt. Inflation of wages does. If you have the former without the latter, the debt is not "eroded" - not in any practical sense anyway. It is not a given that if we have high inflation of goods and services that wages will keep up with this. Over the last ten yers they have not. So inflation does not erode debt. Let that matter be settled. ....Unless I am completely missing the point?
  19. What is the advantage of paying cash? Just because you use a credit card it doesn't mean you lack the self discipline to pay it off each month. Personally, I have one of those capital one cards. I got 4% cash back for the first three months and now get 1% on everything I spend. What could possibly be the advantage of carrying round big wads of cash over this? Just because you're using a "credit" card, it doesn't mean you are really using "credit". Or at least the "credit" aspect is meaningless when you have the money sat in the bank to pay it off at the end of the month anyway without incurring any interest charge. People's self discipline is another issue. If the credit card companies want to exploit people by getting them into debt, then if you are a careful spender, take advantage by taking what they have to offer. I do!
  20. Does anyone out there really posess this level of mathematical wrong-headedness? If they say this, then just respond "ok, so prices went up by 130%. What happens if they fall by 130%?" They might twig then. Or they'll just think you're a nerd and that in the real world percentages mean something totally different so you should stop confusing them.
  21. Can you tell me what the criteria is for these jobs? The lack of applicants suggests to me they would be fairly high. I'm guessing that you and I might have a different definition of "elite".
  22. Yes, an elite few graduates picked from hundreds of applicants. What's your point?
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