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MrXxx

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Everything posted by MrXxx

  1. The thing austrianec, adarmo et al, if my estate agent was reducing my property by a third over such a relatively short space of time (see Cambridge example) , I would be questioning his skill set....perhaps this is what people are now doing with the likes of using Purple Bricks?
  2. Buy some gold and bury it in the woods somewhere...but don't forget to make a treasure map! :))))
  3. So the UCU has agreed for their members to contribute an additional 10% to their pensions whilst the employers agree to contribute an additional 7%...I assume this 7% will come from the savings they made from their 14 year `pension holiday` that was partly responsible for the deficit?...If this wasn't bad enough, they also agreed to drop the DB ceiling from £55K down to £45K. So in effect they have agreed a salary and pension cut in one agreement!...now I know why people don't join the union!
  4. So the UCU has agreed for their members to contribute an additional 10% to their pensions whilst the employers agree to contribute an additional 7%...I assume this 7% will come from the savings they made from their 14 year `pension holiday` that was partly responsible for the deficit?...If this wasn't bad enough, they also agreed to drop the DB ceiling from £55K down to £45K. So in effect they have agreed a salary and pension cut in one agreement!...now I know why people don't join the union!
  5. And do you blame the EE?...I blame the lazy electorate who are more interested in Eastenders plot or how their football team are doing than kicking their local MP up the ar#e!
  6. Suresh, which just goes to show what a govt/housebuilder scam htb is, an artificial way to ensure that prices were held higt and their mates got what they wanted.
  7. If pounds tanks against dollar, why are people talking about buying treasuries rather than cash/Forex?
  8. You'll never get the spot price with coinage as there are minting costs to add.
  9. Interesting that you posted Danny, as I have followed from the beginning and was going to summarize and ask others to confirm that I have understood correctly. So here goes: 1.Companies are overleveraged with debt, their cash flow that services this is drying up AND interest rates are starting to rise (a double whammy), and so they fail...this is the deflation. 2. Next we will have reinflation where CB will QE to provide stimulus, but this time the money will go on infrastructure projects rather than propping up economy/banks via cheap credit. 3. This will then create inflation as the extra money "produced" by the CB means a £ as it was before is no longer worth the same (as there are twice as many £s in the system). 4. The suggestion/reason be in cash rather than equities in the short to mid term is twofold, one you don't know who is going to fail in equities, and two once equities have dropped you can buy the survivors, with asset rich/essentials for infrastructure/non~consumer being the best option as they will be stimulated by the new CB spending. 5. The $ treasuries are suggested as one, a hedge against the £ due to the $ still being the fiat used for international purchasing and so maintaining its strength over the £, AND treasuries over cash as they are more secure I.e the USA unlike your bank would never default. Have I got this right DB?...anything I have missed?
  10. Take a look at a website called The Monevator, they have lots of their own info and links to economics research that answer these questions.
  11. Look on a lot of the internet dating sites and it's obvious....sperm donor for those women who wanted both a career and now realize they want a family (or to possess a child) as well....those who aren't bothered about children still apparently want a meal ticket despite espousing equality!
  12. "The only reform the UK benefits need is to move an element of contribution based and time limit" You mean like the rest of Europe then...sounds like a great idea!...no wonder they are making it so difficult for the UK gravy train to leave!
  13. We were ` told` that it couldn't be allowed to happen, but what do you financially aware members of HPC think would have really happened if the Govt had allowed free-market economics to have taken place, and not bailed out the banks?
  14. I don't know what is the most crazy, the £90 or the £900!...interesting how The Mirror has chosen to focus on both economical ends of the migrant equation, yet succeeds to portray BOTH in a negative light...must be by chance surely?!
  15. Spyguy, a) we have found more ways to hide the unemployed via student loans, tax credits etc, and b.) we have created a low wage economy/jobs via low expense feel_good purchases I.e coffee, nail bars etc....depressing really that this is all we have left to aspire to for a lifetime of work!
  16. You wait until 30 minutes before closing tomorrow, the Tescos `scrum` will look like a `shore` night in Portsmouth! :-)
  17. Ok, following from vengers 7 of 10 homeowners are without debt quote above, if this is the case doesn't this make it an easy decision for the "powers that be" to crash the housing market sooner rather than later, thus "winning" the majority of the householders votes and those from "generation rent"? Be interesting to know the breakdown of "investors" in btl I.e. outright vs leveraged vs pension pot, in both % and numbers.
  18. Doaah, thanks for your reply on the 14 Oct..been away so didn't get the chance to reply.
  19. Situation: had AST that then went into periodic tenancy, LL gave me less than req notice period despite me questioning and they were quite insistant, found new place and moved out on 'their' date, got signed satisfactory inventory on exit from LL, eventually got deposit back after a little messing-around. Questions: 1. LL didn't protect deposit (and never gave details), can I take actionfor the 1-3 times deposit now I have moved out and deposit sum has been refunded, and if so how likely am I to win? 2. As it was an AST and then rolled into a periodic does this count as one or two 'offences' i.e. a claim for 1 x 1-3 deposit OR 2 x 1-3 deposit = upto 6 deposit...and if the latter and I pushed for it would the judge penalise me for being greedy? 3. I see others have used either part 7 or part 8...what is difference i.e. is P7 the normal small claims court approach and so less expensive? 4. If I lost will judge make me pay their solicitors costs and is this the same for both part 7 and part 8 route or are they different?...I would like to take the least risky approach i.e. if i were to lose I dont want to end up paying their/high costs. 5. Has anyone used the 'No win, no fee' approach and what did you think?...I know they take a cut but with their expertise they may be more successful at getting a higher sum. Thanks
  20. as an aside, Gold must be the most successful currency ever isn't it?....I cant think of any other currency that has lasted this long (bar Silver possibly)..any one know for sure?
  21. Going to be 0.25, this will then ` reset` Carney`s believability meter so that he can go back to teasing/manipulating the market through false promises.
  22. So I've been following the discussion here and the other one started by DB on inflation deflation cycles...as gold is now on the up, if you are not in already have people missed the bus and are better waiting for a fall (as predicted by db) before joining the party OR is gold just going up and up and up...thoughts?
  23. I have a room in a house with 3 others. We all have a lockable room, share other spaces (I.e. kitchen, bathroom), signed separate contracts and landlord (& his family) doesn't live at property, although I think mortgage is listed at this address...legally, do I have an AST or is it a HMO?
  24. Now official, bankrupt...shame as this is now probably going to resolve Ryanairs problem I.e all these laid off pilots are going to need a new job and the effect of the recent bad publicity I.e. customer sales will be negated by ra hoovering monarchs old routes/customers.
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