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Everything posted by FirstTimeBonkers

  1. 1 million vote against it, 59 million don't, must sound like a landslide mandate to a nulab spinner. So this'll be a democratic measure which means that "actively fighting" against it a bit too much will be called "terrorism", and encouraging others to "actively fight" against it will be called "inciting terrorism".
  2. If they let out all the paedophiles, rapists and murderers, then just maybe....
  3. Don't you worry at all about submittng your details to this particular government database? One day, this database may come to be regarded by our rulers as a goldmine to find all the dissidents, so that their records in the national ID register can be flagged as such.
  4. Unfortunately, if your CV shows a long history of actually being able to do things you stand little chance of getting hired, because you will not be a "natural blue-sky thinker who leverages innovative synergies to empower idea cross-fertilisation".
  5. Why is it that EAs (and usually the most uneducated, legally unaware gimp in their office) occasionally feel the need to write to tenants either lieing through their teeth or stating stuff which is so unenforcable as to be laughable? I suppose some tenants actually believe this rubbish, but jewels that I've giggled to have included: 1. You must test your heating now (August) because if it breaks in the winter you will have to pay for the repair! 2. (after forgetting to have the yearly gas check done) The contractor will be attending on Thursday you must let them in to do the gas check otherwise if they have to reschedule you will have to pay. If a gas check is not done you will get gas poisoning and we will not be responsible! Much though I would have enjoyed composing a reply in these cases, I came to the conclusion that educating the average EA is a total waste of my time. Best to sling them in the round filing cabinet on the floor.
  6. Unfortunately not. They'll assume that next year's interest will be similar to this so if you're self-employed it'll be included in your twice-yearly payments on account. If you're employed it'll be added to your PAYE tax code. Shame.
  7. Quite. Shrewd enough to have that kind of dough knocking around, shrewd enough to pull it out of a depreciating asset quickly.
  8. The best viewing I had was many years ago when a serious old-timer was showing us around. I tried hard not to giggle when he introduced the boiler as the "nerve centre" of the house and then pointed to a chair (the best piece of furniture by some distance) and explained how it belonged to the current tenants and was only there because he had agreed after a lengthy face-face negotiation period. We soon found another place which we didn't have to rent from a fruitcake.
  9. I can do better than that. A house on my street was bought for 270 (the ballpark going rate according to the LR) 3 months ago. Now on for 400. These figures are not exact but not far off. You may think that someone's having a laaarf, and you'd be wrong. Whoever's flipping it has put in a nice new kitchen, repaired the window frames, redecorated in a neutral styley, and put a big brass knocker on the door. Obviously you will not get much change out of £130k for that little lot. I might just have to mosey down to the local EA and make an offer at full asking right now, before it rockets to half a mill.
  10. I contacted the debt collection agency and explained the situation. Their representative was quite understanding and explained that the bad debt would be referred back to their tracing department and that I shouldn't be worried about it. Nothing else has happened yet. Thanks for the suggestions.
  11. If you drive near any areas of natural beauty in the states you'll find the small roads clogged with these monsters. They've the performance of a slug and are a nightmare to pass. They've the chassis, weight and engine of a bus for two people. Great use of energy resources.
  12. I wouldn't get too excited. They're owned by Royal Bank of Scotland, who are known to have a bob or two.
  13. Depends what kind of smartness you mean. I would say that those earning higher salaries are smarter at getting to earn higher salaries than those earning lower salaries, but this does not necessarily have any connection to intelligence. Compare the intellect and salaries of a university lecturer to a chief executive of a local council to see this.
  14. Now I agree with you but that wasn't quite what you said before. My point is only that the energy is available and the problem becomes how to deliver it into a vehicle. It is obviously easy to deliver petrol energy into a vehicle (fill 'er up!) and rather more difficult to deliver uranium energy into a vehicle. But not impossible.
  15. There are perfectly good reasons for wanting a credit card and an overdraft when you're saving. A credit card can give you 56 days or more of interest free credit, all you do is simply set up a standing order to pay it off in full every month. If there is ever any dispute about a transaction, at least it's not your current account that's getting hammered. An overdraft is very useful if your employer decides to pay you a bit late. Sure, you can just leave enough funds in your current account to cover unexpected emergencies, but you're unlikely to get the best interest rate that way.
  16. As far as I can see he's not even that, just a mortgage advisor. This is a profession which requires the skills of being able to type in your clients details into intermediaries' mortgage search engines and when the results come back explain to them the difference between a fixed and variable rate. Why should this give him any insight into what rates are going to do? Do I ask a car mechanic what's going to happen to the price of car parts next year?
  17. But you're making that statement with your current sentiment of frustration, in that you're a FTB who would like to buy a home rather than a cash dispenser. Bit like me really. If prices do drop significantly your sentiment may well change to one of opportunism. If it becomes clear that you can get what you want for significantly less by waiting a few more months I think the temptation may be to wait ("After all, I've waiting this long already....") rather than jump in when prices reach a particular level.
  18. What should I do? I mistakenly opened the letter. Obviously the debt's nothing to do with me. Do I phone the debt collection agency? Do I inform the letting agent? I've no forwarding address for this previous tenant.
  19. Too right. The proposed "solutions" are all stick and no carrot. People don't pay rip-off fares to squeeze into 10 square centimetres of space in sweltering carriages with their nose up a soap-dodger's armpit for the fun of it, nor do they sit in miles of tailbacks at 3mph for a larf. Limit fare increases in line with CPI. Run more trains until everyone can have the seat they paid for. If you run out of rolling stock buy more. If the tracks are full then build more. If the signalling system can't handle it then replace it. When the buses are full run more until they are not full. Then you wouldn't have to tax people off the road. Chances of it happening? Zero.
  20. You're quite right, it's nothing to do with intelligence. I know a number of highly intelligent people who understand economics and have just bought on what must be eye-watering mortgages. I attribute it to a mix of 1) genuinely thinking that the laws of economics do not apply to houses and 2) wanting to live in a nicer bigger place and being prepared to pay what it takes to have it now.
  21. Isn't it actually the LL's bank that is reponsible for the delay in crediting their account? The receiving bank sits on the money for 3 days - or lends it out making interest. Also bear in mind that you are already paying rent in advance, so this is a request for an advance on an advance. I acceeded to such a request for my current tenancy - the first time I have ever encountered such a thing. If it had moved the rent payment day to before payday I might have resisted a little more.
  22. I'm afraid that with almost an entire generation priced out of ownership and a drastic shortage of social housing, private landlords are and will be expected to bridge the housing gap, especially given that they're one of the causes of the mess the market is now in. Claiming a vital resource which you do not need and which is in short supply and then being able to pick and choose and evict whenever you decide to cash in your "investment" may well become a thing of the past with a government prepared to legislate at the drop of a hat - or a Daily Mail headline. Imagine the "D"-word uproar ensuing if food sellers, council or government services decided to pick and choose who they would deal with based on membership of groups that are supposed to produce the most bad people. Housing is no less essential, and the way things are going private tenancies will have to become subject to far greater control as they are on the continent. Or look at it this way: suppose housing problems get a lot worse and the government is forced to act. Which do you think is the more likely: 1. correcting the huge funding shortfall of social housing, or 2. turning the screws a bit on private landlords?
  23. Hands up all those who think £7k this year is worth the same as £7k in 1999. The limit should be raised, unless this is a new instance of fiscal drag.
  24. Hear, hear! I never thought I would get to learn the meaning of "saprophytic" by reading this board, but am pleased to have been proved wrong.
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