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About chrisw

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  1. So why do cabinet ministers see affordable homes defined as "20%" below market valuations, whereas that ONS report a year or so ago, that described 97% of UK towns as now unaffordable, based on local valuations compared to 4-5x local single or combined salaries? I can't paste the link here as the forum android support is still broken on the site, if someone else can do it, entitled "housing summary analysis measures: 2015" on ONS.gov.UK, population and people section, published online. Also, since many of the big developers are given exclusive access to new transport provisions like the DLR, tramways, crossrail, that are heavily subsidised by general taxpayers who will never afford these developments, do you consider the white paper a form of"trolling"?
  2. How practical is that closing in the UK climate? In winter, the bottoms will be dragging along damp or snowy pavements, sucking up dirt and water, blown all around in the wind and catching on things. In the humid summers, 30C and 90% humidity is about the worst weather to be engulfed in heavy, black layers of cloth. Maybe works in in an arid climate, seems really unpractical and inconvenient here.
  3. @knock down johnny I have you on mute now, so not worth replying anymore to me. No offence, I just think you're maybe a little immature, lacking in worthwhile education or experience to add to debates and quite frankly, whenever you pop up on debates, I notice it usually descends I to mud slinging attacks and ego outbursts directed at posters. Not worth it, see you, I won't hear or see your replies. Anyhow, I often get to thinking, is ZIRP some new monetary policy experiment ( as its going on worldwide) that has provided opportunity for policy makers to usher in the cashless world? A lot of the ingredients fit. The main thing I am watching at the moment are guilts and futures. Seeing if they go and the whole thing (obviously housing market) goes down, and all control is lost, or whether like Japan, ZiRP is THE new economic paradigm for governments. Imagine digital money economy AND zero return on saving AND governments able to implement negative interest rate policies on peoples non-investments wealth, whenever they choose.
  4. I first read about this concept in the late nineties by another author. He was linking to a think-tank proposal at the time about the taxman being paid directly by employers then reimbursing you each day/week/month. Then a few years later, chills went up my spine when reading a paper to see a price entitled 'HMRC research into future proposals for tax payments in a digital era'. Of course, it was met with condemnation. Just watch though. Every few years, this same kind of idea appears in the press, 'new policy thoughts by HRMC', about the taxman becoming an intermediary digital salary broker on behalf of all salaried workers. It's like they are working on a whole bunch of neurolinguistics in the background, sailing the idea again every so often, then gauging the public reaction, seeing if the time is right yet. I already mentioned on another thread how the EU is slowly phasing in direct government access to any private bank account, taking cash with no warning, no legal procedure, then leaving folk to try and claim legal court cases, at their own expense with no recourse to legal aid, if they disagree. First happened in Cyprus,then Greece, then France and Spain. It's all coming...?
  5. The number of EE voices in the streets of my market town outside london has become incredible in just ten years. And no, its not Slavic voices but mostly French, German and Southen EE. Probably because there are family size homes, schools and a large hospital. The school runs in the morning are full of EE voices chatting to their kids in EE languages right up to the gate. The library has a group of young, unemployed german lads who spend everyday there (at least whenever I go there they are always there), they work in IT or something, always have code on their laptops and talking loudly on phones on job interviews (FFS its a library!). About every third voice is now EE and this is nowhere near central london, where you could expect it in decades past. I've lived in France and Spain (and the US). It was an enriching experience, I am much more 'cultural' and 'rounded' as a result. My issue is that the EU in current format is not working and economically doomed. That is why the UK is a magnet for EE workers (together with generous welfare, income and housing support, schools, healthcare). I went to the hospital AE after an accident last year. Very happy there were EE medical staff (more non EE or British, I would add) but boy there was a majority of EE voices in the patient waiting room. THIS DOES NOT HAPPEN ANYWHERE ELSE IN THE EU. If it did, you would just say 'fine'. But it doesn't. Even in Spain, you will only hear many English/German voices near the touristy coasts in high summer. Rest of year, hardly any, nearly none if you are in a big city. In France you get a really strong feeling of Nationalism and anti-immigration. Now you will get the knee jerk 'racist' reaction but these are plain facts. It is not a sustainable situation in any way or form. Its great for some businesses who can use one-way-traffic FoM to crush wages. Sadiq Khan is already pandering to the banks and coroporates in the current plans to subvert the democratic brexit vote. Great for BTL landlords and too-big-to-fail-bust-banks, who use it to base a uncontrolled, ponzy housing scheme from it. Great for politicians who can boast about GDP, since GDP automatically goes up when more people arrive into the country. Not good GDP from productivity, investment and invention, just GDP from grocery shopping, petroleum pumps and rents. Not so good for people who are trying to live a normal life here. Where is the reciprocity? Why is the EU failing and exporting unemployment to the UK in a one-way direction? Why do none of the EU generals tackle these root problems? Staying in the EU will be a long, grinding fall in UK living standards for most average people in the future when the brexit vote is subverted and ultimately will push voters to even more extreme political candidates at the next election.
  6. Remember, headline figures only reflect registered migrants. Unique National Insurance Numbers issued to EU nationals runs 3 times higher. They are not categorized in those figures, often flying in and out. There are numbers also who don't even bother with NI numbers. This is what FoM means. You don't need to officially register, usually its families looking to get housing benefit and income support or those from poorer European countries who plan to apply for citizenship and permanently settle who are the ones that register. So when you read 335,000, you can take that as 1 million. Non-EU migrants are a different matter. They HAVE to register. EU migration will always be around 3 times higher than these headline figures would suggest.
  7. I find people seem to drift off on tangents and butterfly flights when the central issues are FoM, income support and tax credits that have allowed the outrageous speculation frenzy within property prices and rents over the past decade (well, nearly two). Sure, imaginary bank lending and BTL mortgages, backed by no economic reality as exposed by the 2008 bank runs, were the fuel. Without FoM, caused mostly by the failed EU economic policies and crazy UK tax credits/income support to migrants, was the spark, the catalyst, the whole thing that made the property speculation model a feeding frenzy. That's it. End of. Who cares about grand visions of united europe, EU social policies, European court of human rights blah, blah, blah. Ordinary folk in this country have been crucified over the past decade or longer with living costs and stagnating wages caused by FoM, enabled by corrupt bankers and even more corrupt politicians who completely lose about manifesto policies on each election. I own my house outright but I don't care if prices fall 90 % and we have the IMF in and rolling blackouts. You can live in the countryside in a Norwegian Army stove tent or camper van in the middle of winter with very little else than maybe a solar panel and turbine, few chickens and a vegetable patch. And live well, healthy. Westminster, Brussels, the IMF and all these other media bogey men are nothing if you know how to live by your own wits. Bring on the changes, the UK is a beautiful country with talented, resilient people. We'll pull way ahead of the doomed EU. Won't be long before French and German nationalists start tearing chunks out of each other or start picking fights with Russia. That is what the last 1,000 years of history has shown us. Let them squabble with each other, we've got more important things to do, they can come knock on our door anytime if they actually want to grace though.
  8. My apologies for android/Google autocorrect of French words whilst typing in English language device. It must have been very upsetting. So, do any of you experts have experience of the EU? Real experience? Work in EU politics, law, research in another field, lived in the EU? Or is it all 6th form debating society stuff assembled from iinternet links?
  9. Not a rant. I went through it myself. And won in court (cour de cessation) against the French government. My lawyer told me of 4000 other pending EU court actions that month. Real experience of life and the EU. Not you tube links and Wikipedia down the memory hole.
  10. @knock-out-johnny. Paragraphs are not your friend on this current site, if you use android. No workee. Links? Did you not hear about the Cyprus and Greece raids? Links, lol! Are you that lazy! If it isn't on wikkipedia, it doesn't exist, right? This is what I am saying. People like the narrative of EU big slogans but do no personal research or detail footwork. I give up!
  11. Lots of remainders talk in very existential, vague terms about the EU but I have found, when quizzing them, they usually have no practical experience of the EU bodies and have never lived in another EU country, let alone ran a business and paid taxes in another EU country. Here are some of the practical issues; The EU raiding of Cypriot bank accounts by government authorities, with no legal process or warning, was a test bed. It has since been happened in France, Spain and Greece. And if you owe the government money, they debit your account into overdraft territory, with the banks agreement and banking charges, for unlimited amounts. Again, you have to appeal in legal cases and there is no legal aid for such appeals, lawyer fees costing 10k's per shot. Now, try getting answers from any EU department. Go online. It's like Ryan air online support. Nobody you can talk to in person, call or get email answers just links to pre-prepared documents. You have an issue in the UK, you can go to your MPs practice or march up to Westminster or Buck Palace. In Euroland, you will be travelling to a foreign country and be met at barackaded gates by black clack riot police welding machine guns. Just have a look at the outsides of the EU parliament and offices. Do you want to live in '1984 EUSSR' or know who and where you can get some action and answers to issues? Did you know 90% of EU court and Human Rights Court applications are rejected without hearing? Amnesty and even the EU courts themselves acknowledge this. So next time someone talks about EU laws, protection, rights, remember that. It sounds good if it's a vague lefty existential conversation topic but like most fairytales, it's just a made-up story. And FoM harms the UK economy. Not just the unskilled job market but also the higher end. The EU is allowing tech firms, in particular, to 'atomise' the workforce. That is, hire on short term contracts, flying in and out, EU workers that are maybe less skilled/experienced in a field except maybe one area they have a good grasp on. So that person is employed for one task, on one project, on a lower rate, with the benefit of forcing wages lower for indigenous workers. You will notice though that there are not large job adverts for EU, including UK folk, to travel to brimming startups all across the EU? No, because the EU economy is flawed, dying infact. So at the moment, it's one way traffic for FoM and unlikely to change. With an improved trade deal, maybe some forms of free trade, with the US, the UK would be far better off. And lastly, FoM has been a key ingredient required in lab/con housing bubbles, underpinning BTL speculation and hyperinflation in the housing market. If you want decades more of house price/rent hyperinflation, lower wages and stretched social services, lobby for a brexit U-turn. One thing for sure though, the antidemocratic nature of the current path to subvert the Brexit vote is going to leave a seething, divided nation with plenty of social unrest ahead in those decades if we end up with a brexit-but-not-really type deal.
  12. The problem with quoting EU immigration figures from ONS figures ( and then comparing that to non-EU immigration numbers ) is that most of the work migrants are not captured by that figure. In our economy, particularly services and agriculture, people fly in and out from the EU. So, you may get 6M or so officially here but the number of unique NI numbers issued to EU nationals over the past ten years is nearly treble that around 14M. It's sooo annoying that media reports also never mention this. But actually, it's worse because many workers, self employed, company owner, sole proprietor or construction and agricultural workers have their own ways around this, never even bothering with NI numbers. So they are never captured in any meaningful figures at all but hey-ho, temporary couch surfing EU workers can fly in and out and provide another rod to beat the ordinary UK worker down with, crushing wages and then heaping on state supported, BTL, failed-bank bbailout, hyper-inflationary house price and rent rises to living costs (conveniently dropped from headline inflation figures for decades). It's not like the EU iis a single market with FoM in the other direction, British folk don't realistically have the option to fly over to depressed Europe with all the economic and language barriers to work iin a call centers or parking lot across the other ends of Europe, like our EU cousins.
  13. Here's one for you. If the government are serious about savers and getting on the ladder. Well, firstly, if you are going to have unlimited immigration and spend all your infrastructure/transport budget around the big cities, tear up green belts. Simple. You can't have both. But since that won't happen, here's oone solution. American style trailer parks, or park homes as we call them. You can put up a modern, warm, climate controlled home in a couple of weeks. It is far cheaper than brick/concrete construction. Allow building on green belt, since they don't have a fixed foundation, the environment footprint is minimal. With uber and the like, commuter coaches and bus services to town centre will spring up, no problem. Make the land super cheap for qualified buyers, on a fixed length lease period. Allow people to save with this cheap housing while the government building plans in town are in progress. It won't happen because governments Wang crowding and high house prices. It would expose their hypocrasy in a very open way. Maybe some brave souls should join together and form a hippy style commune along these lines, claim they are a new age religion with human rights, freemen of the land or something. Get some human rights lawyers involved or just refuse to pay btl rent and camp out en masse in local borough housing offices.
  14. Exactly. I've lived in two EU countries and the US. In the UK, I work in an industry with maybe 50% EU workers. The EU economic model is dead. Dead as a parrot. That is why there are huge numbers - especially young - EU workers in the UK (and I see huge numbers in Canada as well, when I visit there regularly). If exporting unemployed to the UK becomes less feasible for the EU, because the old men subverting the EU project in Brussels choose tit-for-tat trade issues with the UK, they will suffer far, far more. Forget the official 6-7M migration figures, nearly treble that number have been issued with NI numbers in the past ten years. Those folk will start asking more questions of Brussels bureaucrats in future if the option of a large UK labor market, with a high pound, high benefits and zero labor laws, for couch surfing temporary workers, is removed by those bureaucrats arrogance. How any remainer can just forget the disgraceful disregard of democracy a decade ago during the lisbon treaty, when France and Holland rejected it by referendum and Gordon Brown just pushed it through against the UK peoples will or discussion, heavan knows. Did any of the remainders push for a referendum or parliamentary debate then? When Gordon Brown just pushed it through and signed it himself, once PM, saying it didn't need a referendum or extended debate, when ministers had about two days to read a 20k page document? THAT was the sinister, ah-ah moment for most. It was ten years ago brexit started, with that act by Gordon Brown. Maybe Gorbachov was right about the EUSSR. UK is better out for now and maybe the EU we hoped for will emerge from the ashes. The EU is going down, definitely. The only downside is China. Trade barriers against their economic manipulation may be an evil necessary, more difficult as a lone country, but maybe the Trump factor will bring China into a fair game eventually.
  15. Cornwall you say? Twas born and bred Kernow, so I was! Don't 'ave no time for them bleddy Emmets from London.... All you need to know about cornwall here. https://m.youtube.com/watch?v=zbpyYaVnmBk
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