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Everything posted by Insane

  1. As I said the polls are irrelevant we have Covid and everyone is cheesed off , easy to blame the Government and say they would vote Labour, but the polls at this time during a five year term are just people letting off steam. Most People are not quite sure what Momentum actually means , who is in it, where it fits in Labour ect. I don't' really understand exactly what the purpose is. I hasten to add my thoughts. Hard Left within the Labour Party am I right ? The working class vote is Labours Core Vote and quite frankly If your white, working class, especially male and straight over the last 10- 20 years Labour have treated you like dirt, hence the Red Wall that got smashed up north. I constantly see Bame Labour MP's in parliament Race Baiting, Abbott, Lammy, Butler, Shah and others until Labour get a Grip on this they won't get the White Working Class Vote back. You say they suspended JC if Stammer had had any Guts and wanted to send a message to both Race Baiting Bame Labour MP's and the white working class he should have sacked Dawn Butler ( I have never seen this women say anything but race bait) back in the summer when she tried to set the police up and cried Racism. Instead of sacking her she was allowed to get her face and mouth on every MSM outlet crying wolf until her lies were uncovered. While that kind of behaviour goes unaddressed Labour have no chance.
  2. I Googled raising income tax and it said putting the basic rate up 1% would raise £4 Billion a year. Googled virus cost and it said so far has cost the Government £210 Billion . So without any more costs (which is impossible) at that rate it will take 52 Years and Six months to repay at present.
  3. What I am saying is :- It does not matter who is Tory Leader or Labour Leader . Labour is in such a state that the Tory's will still be re elected , they don't need to change their leader to keep power and Labour changing theirs will not gain them power.
  4. With Labour the only opposition it really does not matter who the Tory party have at the Helm . Likewise it does not matter who Labour have as leader. Labour are not going to get elected until they sort themselves out but that does not look like it is happening any time soon.
  5. No there won't be. Labour are winning in the polls right now but people are only giving their opinion. If they went to vote tomorrow or next year or in 4 years Labour will not get elected. I myself and I know many others young and old die in the wood Labour ( look at the red wall up north) who cannot vote for a party that has been taken over by Anti -White , Anti British Values , Anti Woking Class woke idiots. For any chance of successes Labour needs to look at itself and change but the extreme left have taken a very strong hold of Labour and it is going to be very difficult to reverse that trend.
  6. Companies got around the working time directive, ask those who work in City Banks and other financial institutions. In fact some Companies got around most worker protection especially in the lower end jobs where workers needed more protection than workers in large wealthy companies by bringing in the Zero Hours Contracts. What did the precious EU do ? Answer Nothing. If the EU wants to survive it should learn from Brexit and change from it's one size fits all for every member state. But the problem is the 10,000 plus unelected behind the scenes people all on £100,000 + a year + expenses are far too arrogant to look at why we left. I don't think we will ever re join the question you should be asking and the EU should be asking is who will leave next ? And will the EU survive ?
  7. When Stamp duty first came in it was for Luxury Houses only those over £15,000 when the average house price was £8,000. It was also just 1% across the board. Due to the starting rate not being increased in line with inflation fiscal drag led to most people having to pay it. Then Gordon Brown started putting the rates up and the Tory's have had their hands in house buyers pockets too.
  8. I could not think of anything worse than having a B&B. I watch four in a bed sometimes and see how fussy people are on there. These are obviously the owners picking holes in the competitions venues but I bet they pull them up on issues that they have been pulled up on by the general public in their own B&B's. The days of no en-suite and putting up with Mrs Nickols swirly carpet and non matching bed spreads are long gone the public demands much higher standards now and can be a right pain when they don't get what they think they should.
  9. Agreed , have heard it said many times if you move away and out as they call it if your within the M25 if you want to see your old friends and family you have to travel back to where you came from to see them. They very rarely come out to see you.
  10. Yes , who were then replaced by the Windrush Generation form the Caribbean who were invited to fill the Vacant jobs.
  11. Correct It is impossible to count how many have left if they were never counted on the way in.
  12. While there are people in London who have borrowed 40% and will be in a financial mess, there are others who bought 4 or 5 years ago outside London borrowing 20% where the cash amount back to the Government has gone up quite a lot. The profit made by the Government will off set any loses taken by HTB in London , the only losers will be those HTB buyers who are repossessed or sell at a loss.
  13. What a depressing flat. How do they market them looking so awful. You could spend just a few £ to make it look less depressing. In fact you would not need to spend anything to throw out the plant sitting in the window on photo 4. The dying plant just sums the whole place up. Really who took these photos where is their brain.
  14. Build to Rent or Private Rental Service as some developers call it is going to be over subscribed , too many big players have jumped into it. They are not cheap to rent and the clientele they want to attract are young professionals earning well but not enough to buy. Those people after a few years will be able to afford to buy when they move up in their career. The model however works on them be willing to rent forever while earing their big salary's that is not going to happen. One big player is a USA company who have bought a London based developer recently ( won't give names) who are now going to only BTR. They believe that they can encourage the young to never buy as is the case with many in the USA . I think the sentiment is very different in the UK and this company are in for a shock. But they can always sell the flats off if they cannot rent them out.
  15. Hi Thank you for your post I think it is going to be an ongoing nightmare for those in London who took out an extra £240,000 Loan from the Government interest free for 5 years and now are going to have to start paying it back. The figures are so huge. I can tell you so many stories of people who did HTB and those that are ok while those in London with the 40% are going to be stuck or Bankrupt. I live in Essex and yes I saw the New Build Houses rise more than 20% in the first few months of HTB. Those who bought houses for around £250,000 taking £50,000 on HTB at the start have done well. They won't need to move if it was a 3 bed which was the prices I was seeing for New Build 3 beds back then. They are now around £400,000 so the £50,000 they borrowed is now going to be £80,000 but that is payable and they can sit tight. Pity they could not have bought without HTB as they are going to pay an extra £30,000 back at todays prices. London this is another story. One Woman I worked with and her husband put down £30,000 and paid £20,000 stamp duty buying a quite large and nice 2 bed apartment in Mill Hill for £600,000. They start paying the extra 40% in June this year. At work we tried to talk her out of it but she would not listen. I remember doing the figures and showing them to her taking into account buying costs, selling costs I worked out that to break even they needed to sell at about £670,000 , as you say they cannot sell to another buyer on HTB. She would not listen and said property would always go up. I tried to explain that there was no extra room for it to. I asked her did she think the Government would extend HTB to £800,000 in the next few years and allow it on second hand property. As that was the only way her property would increase in value. I don't work with her anymore but I know that the industry both her and her husband are in have been hit hard by Covid. They both had maybe just above average jobs. But neither are going to walk into work and become high paid Directors. By the way she is now 41 and her husband about 50 apart form a Lottery Win I can never see them escaping their financial mess.
  16. Sad part is there are still plenty of people willing to use it. The big draw is the just 5% Deposit needed. They could get a much better deal in the second hand /nearly new market but do not have the larger deposits needed. Sad.
  17. I have a friend who lives on a new build development in Chelmsford Essex. They started building about 7 years ago and finished a few years back. There are about 200 houses and apartments in total , much of it sold under HTB. She said this time last year there was 1 house for sale , this year she has been able to count 19 (might be more) she thinks it is the people coming to the end of the 5 year interest free period that has caused such an increase in Houses For Sale.
  18. Well it is all great isn't it we can bring in as much legislation as we want , irrelevant if it gets ignored. Just before xmas I was hit by a driver on a roundabout , she drove off and I caught up with her , phoned the Police who did not want to know , went into a Police Station about 200 yards from where the woman was now parked, told the Police she looked out of her head on Drugs ( might be wrong but it looked that way) they were not interested and would not walk/drive 200 yards to check this out. Long story short I was given a form to fill in , filled in form sent pictures of driver and a man who arrived at the scene that she knew ( I think she was not meant to be driving that car and he was going to say he had been driving not her ) again cannot state that as fact that is the Police Job to work out. Received a letter a few days ago telling me this incident will not be investigated further.
  19. Well are all their roads level with the pavement ? We were disusing the Newley introduced no demarcation of Road/Pavements in UK high streets and how dangerous they can be. Especially when introduced in a half hearted way little signage and jo public just expected to know all about them.
  20. A point that is debatable in court and although in statue does not have that much bearing. I know someone who was knocked over by a speeding driver but was told in court he was as much to blame as the driver as he did not cross at a crossing.
  21. Well on the two occasions where I suddenly thought I had driven into a pedestrian area that caused a lot of confusion the speed limit was 30 mph still. So where these ill thought out changes have been introduced in the UK as usual they have only managed to do half the job. We have had pavements with kerbs and a drop down to the road even before the motor car was invented , but some smart people have decided to change this system in certain places and I cannot see any advantage to it. How would a blind person know when they are walking off the pavement and onto the road ? A bit like the great Smart Motorways , when someone explained them to me I thought they were talking rubbish as it is so crazy. However what I was told is true. There was a recent documentary on these and a woman on there who had killed someone said " I had never heard of a smart motorway never mind being told how to use them " another woman on there said she had no malice towards the man who killed her son as the accident was not his fault it was the fault of the smart motorway system. I am not sure about other countries I live in the UK what I am seeing in London and around London is millions of £ being spent which has caused congestion and confusion which leads to unsafe roads and pavements , but as usual when someone or a committee of people decide that they know how best to spend other peoples money nothing can stop them and if all else fails lets just paint the car driver as the big bad monster.
  22. No once you kick the can you cannot always stop it at the exact point you want to stop it. Government can interfere buy the Jennie out of the bottle takes on its own life.
  23. So someone walks out in front of a moving car and the driver loses his licence for life NO THANK YOU. Where has anyone said that cars have more rights than pedestrians or want more rights than pedestrians. Cars drive on the roads , pedestrians walk on the pavement and cross roads when it is safe to do so. In the UK until recently there was a kerb between the pavement and the road with a distinct drop down to the road , this was easy for everyone Drivers and Pedestrians to see where the road and pavement was and far safer than this crazy system where people driving along a road suddenly find themselves not knowing if they are still on a road or have driven into a pedestrian only area.
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