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Everything posted by Insane

  1. I have read articles on the fact that all property used to be Leasehold in the UK 99 year leases on houses and flats. That is how the landed gentry kept their money from generation to generation. It was the Professional middle classes who fought against this in the early part of the 20th Century and got it changed. The Owners/Freeholders fought back against flats becoming freehold stating they needed to keep control of the Freehold due to the upkeep and maintenance of the communal areas ect. The outcome was to get houses over to Freehold first as the debate on Flats was taking up too much time and then they would go back and review the case for flats. So houses became Freehold and they while they were waiting to look at flats the first world war broke out and it got put on the back burner. There has been some but very little change in the way flats are bought and who owns what since. I believe we are the only nation on earth that sells residential property in this way. When looking at flats in Spain a few years ago I asked about Freehold/Leasehold and the sales lady smiled at me in a nice way and said you British and your leasehold !! We do not have leasehold in Spain if you buy here you own the flat no one else owns anything that is yours.
  2. Going to the Gym is more a Trendy Life Style Statement than it is about getting fit. I am 58 this year smoke, don't drink , eat well I am in my correct weight band and could not think of anything more boring than going to a Gym. I walk a lot and that is the only exercise I need. Many times I have been shocked speaking to people much younger than me who go to Gyms but they could not comprehend walking a distance that I would walk without thinking twice about it while they want to take a cab or drive there.
  3. House Prices would have to full a very long way for the average person to be able to buy one if they had to pay £5k-10k pa on top of their mortgage and other running costs to live in an average house.
  4. I would say more than half the population do not feel safe going out at night. The Rape and Murder of women on our streets is Horrific however many many people we never hear about although they do not get Raped and Murdered do get attacked , robbed , mugged and beaten up. Young men are far more lightly to be Violently attacked than women. I once read that 80% of stranger on stranger attacks for no reason have alcohol at their route. We have a major issue with alcohol in this country that and keeping law and order are what needs addressing. Have you ever seen the Fly on the Wall Documentaries when the Police are trying to keep the Drunken Rampages under control on Friday/Saturday nights in major drinking parts of our city and town centres ? They do not uphold the law in these situations but just try and contain the situations as best they can . People who should be arrested are sometimes helped to get home instead. Until these issues are dealt with we are not going to be safe.
  5. I read a book a few years ago about a ladies life. In one chapter she had a Rant about the cost of her home. It was the mid 70's she was receiving a Grant while at University and working part time in a pub. She was only able to afford what she described as a tiny 2 bedroom flat in Wimbledon and due to high interest rates had to let the spare room to make ends meet.
  6. A relative of mine who has just retired from a London Hospital said they struggled to recruit Doctors due to London house prices and that a Consultant she worked with bought an Ex Council Flat. Nothing wrong with an Ex Council Flat but my question is if a Consultant buys the Ex Council Flat where does the Postman , Bus Driver and Nurse Live ?
  7. Two letters yesterday one from BT saying bill's going up by 4.5% and then my council tax that one is up 5.4% I got a 1.1% rise this January. Am I missing something here ? As the numbers don't add up ?
  8. Reminds me of going into a swanky sales office in Docklands many years ago now. My Friend asked the salesman if the £280,00 river front one bed came with parking ? The agent said " no a parking space is £20,000 and you cannot buy one unless you buy a two bedroom apartment or bigger " he followed it up with "you have to spend real money to be able to buy a parking space" My Friend said " so £280,000 is not real money ? " " No "was the reply I pissed myself laughing when my friend said " so have you got £280,000 in your brief case ? If so get it out and pile it on the table and then tell me it is not real money "
  9. I am not surprised if anyone is stupid enough to buy it you could not trust them to go out in the community again they would need protection from themselves and we would need to protect others.
  10. Well I live in an average 2 bed terrace house compared to that I feel like I live in Bucking Palace.
  11. I would say the main reason the powers that be have done it is to keep the worker in debt and thus ready willing and hungry to work. The downside has been too many middle aged people became to comfortable with a paid for house massive equity and a decent final salary pension that they could draw from 50 onwards. Hence the Government trashed the pensions and raised the age to 55 for drawing company or private pensions along with raising the state pension age.
  12. Agreed my Dad was a salesman , next door was as well, the other side he worked in a factory , over the road was a teacher another factory worker and the guy who worked in the civil service. The whole street was full of people like this. In the six households I have mentioned not one had a second income apart from what women called pin money doing a part time job when the youngest child went to school. In those six households there were a total of 16 Children. Granted the street was not littered with new cars and I only remember 1 family ever going abroad for a holiday which was 1 week in Jersey. Most went to Norfolk, Bournemouth or Camber Sands they might do Self Catering or B&B , maybe Half Board. My Dad still lives in that house ( yes another oldie rattling around in a house that used to house six) there is no way he or the type of people who lived in the street back then could buy there today. The buyers today are either City Workers, Business Owners or Professionals . The younger ones both work they have less Children but Foreign Holidays and Shiny New Cars. The Working Class in that street made way for the Middle Class.
  13. 13) There is little choice join in or you will lose out has been banged into their heads. 14) I'll put my name down on the council instead has been removed. 15) Those joining at the bottom today have only ever seen prices rise they think this will go on forever. 16) They believe it when Boomers tell them it was always as hard but you will win in the end if you make the sacrifice now. 17) People believe to build enough houses the Green Belt will be lost to concreate and therefore agree with the NIMBY's 18) They don't believe it is a rigged market. 19) Fear is a bigger motivator than greed they fear missing out and being left behind so they join in. 20) Private Renting is expensive and tenancies insecure. 21) The madness you see around you seems normal as you have never seen anything any different.
  14. If May had still been PM and Osborne still in the Cabinet when the Pandemic Struck what do you think they would have done? Also given the chance what would you have done ?
  15. Remind me what did May ever do while PM ?
  16. Before I write this yes I am a smoker and I know how bad it is. But what I have noticed over the last 40 years is as Smoking has decreased Obesity has increased. A packet of Cigarettes are now £10+, you can buy a hell of a lot of food for that money. When people smoked in most cases they did not include their children in their habit , but now they have switched to Eating non stop the children are included. When I was growing up there were two very fat ladies I knew 1 was a dinner lady at my school and the other a lady who lived a few streets away. There were also two very large teenage Girls I knew and I know one was very overweight due to an illness. So 4 fat people in my world. Today I walk to the top of my street and will see more than 4 overweight people in a few minutes. I once sat in a shopping centre having a coffee and started counting , not exact but about every 4th person was overweigh and I mean fat not slightly overweight but fat. They have been able to conclude how bad smoking is via studies over many many years but the long term studies for Obesity have not been done to such an extent yet. We will find out in time how bad it is and how many lives have been shortened for the Teenagers I see today who struggle to walk along the road at a regular pace. Please don't say I am justifying smoking I am just pointing out how one bad Habit has been changed for a different one.
  17. LOL Does not warrant an answer.
  18. I was 16 when Thatcher came to power and have followed politics since. Many times over the years I have heard Politicians say " our tax system is not fit for purpose " My answer to that is well make it fit for purpose. if I look at all the budgets over the years and changes in Tax all anyone has ever done is shuffle a bit around of change around the edges.
  19. Brown did not need to be the governor of the BoE to slash interest rates he gave the BoE the autonomy to set interest rates with a remit to keep inflation below 2% when he became chancellor in 1997. However in 2008 he took back the reigns and it was Brown who slashed interest rates not the BoE. I don't need to check this I lived in Canary Wharf at the time and was watching it on the telly live they had reporters standing outside the towers of the Banks in Canary Wharf I could see them from my window so I watched it in reality and on the telly at the same time. Brown Slashed the interest rates not the BoE.
  20. That is the whole point of the statement. The words that were used were very powerful in the context of the conversation. The Tory's were not the only choice at the ballot box (so in reality there was no case of Have To) there was a choice but die in the wood ex Labour Voter's were so concerned about what Labour had become and were so concerned about a Labour Government they felt they had no choice but had to vote Tory to stop a Labour Government. Words are very powerful. If anyone wants confirmation that they made the right choice you only have to see the discussion on ITV breakfast telly the next morning , there were six Labour Party people 3 that could be termed moderate left and 3 further left. They literally screamed at each other across the table it was unbelievable to watch and after about 8 minutes of this sceptical the anchor to the programme (I think it was Piers Morgan) said I cannot believe that you are all meant to be on the same side. For anyone saying ex Labour Voters were wrong not to vote Labour that 8 minutes proved that the choice they made was right.
  21. Well they did not feel that way did they and when people go to the ballot box it is their opinion and choice that counts not anyone else's.
  22. I know couple in their 60's who are like your Dad they came from generations of Labour Voters. In the 80's they marched with the miners and CND. At the last Election their words were " who would ever have thought that we would HAVE TO vote Tory !! " What stands out to me is the actual wording used, they did not say they had switched their vote, or decided to give the other side a chance the use of the words Have To is very powerful as it denotes that they had no choice that there was no alternative. The results of the 2019 election and places like the Red Wall turning blue do endorse that this view was taken by many ex Labour Voters.
  23. So who would you vote for ?
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