captainb

Depends on the immigration status. If you no recourse to public funds then it it's charity only. Leads to these overcrowded HMO in London with dodgy landlords creaming of huge profits from craming people in. Other status including EEA settled do have access. As for NHS services etc less so, but families brought over do and then people get old etc. It's not a well thought out plan. The notion you can have immigration that high, and housebuilding that low for years on end without having an impact on prices in major cities is nonsensical

Right, so when they lose the delta of 40% on PAYE contributions what's the replacement tax. Won't happen.

Surely there's a narsasistic syndrome in there somewhere as well. The thought that only "I or me" can see through and desire for associated attention. It's the lack of look back that gets me. The whole trump won't leave quickly followed by the vaccines will kill (nearly) everyone; as time passes and neither occur there isn't any feedback loop that maybe just maybe I was wrong.

Only if they need to redeem before expiry or you have a sovereign default. Which seems unlikely (unless USA polictics causes one). Conversely the banks can shove some of that excess QE cash back overnight at the BoE and get base rate at 4.5% rather than 0.25%. every little helps

At a guess the buildings insurance taken out will fall back on under their terms the 10 year builder guarantee in their terms. I.e. any and all available must be claimed from that. Not sure if that doesn't pay out or if builder goes bust if they will pick it up.

There's two types of rental lease in Germany, you have indefinite and fixed term. Former only the tenant can give notice, and it's not uncommon for a new buyer to offer cash incentive for them to do so. Fixed term has applied a fixed term of 1/2/3 years and there is no obligation to renew for either side. You can't increase rent in first 12m but can increase by upto 15% in each 3 year block IIRC, however those incases have to be in the contract. A lot of the indefinate leases in places like Berlin are legacy from post reunification when there was lots of property to rent out for what for east Berliners was large amounts and then you got a guarebted income from it. Other cities less sure about (haven't lived there) but again understanding is it was more common in the 70/80s. As rental demand has increased fixed term for new leases is more common. Tbh I seldom saw an indefinate term offered and would expect a qué out the door of the agent if one was. If/once your friend gets that property back to re let then I'd expect he would offer a fixed term. There's enough people who would take it for 2 years. Students, migrants etc Forgot to mention there's also heridetsry leases which can be inherited but also allow building work. It's a bit odd and more common for large houses in the country I believe.

You are aware that driving or public transport typically costs money to do so.... Luckily you can walk for free

If I was a director of any vaugely technology company with duties to shareholders I would always choose NASDAQ over London. The valuations are far higher for a start, and post brexit theres more liquidity at smaller valuation points. London market really needs to do something different to attract them as default is anywhere else at the moment

Why? Sometimes the change stops at a logical point. The charges for bags, the charges for the m6 toll road (are all motorways charged now?) Etc etc

Bit odd. I do live in z1. I pay congestion charge and parking to any tradesman.. it hasn't caused me to move to Skegness yet. I also don't own a car, merely use zip car when I need one. Maybe that was the intended consequence but works for me rather than paying insurance etc every year. Depsite the hyberbolic nature of this forum, some things, in the real world like ulez or congestion charge that exist are really rather boring methods to attempt to shift people's behaviour. Similar exists with 10p disposable bags, funnily enough gradualism hasnt led to us losing our first born if we forget to bring the bag to Tesco. We still just erm pay the 10p

Right. So because for 15 years or whatever it's been you have been charged congestion zone charges for driving into central London that morphed into control of where people can and can't go.. Not sure why its so looney. You want to go into Oxford centre in a car more than 100 times a year just pay it.. and if you are a tradesman just charge the customer in the zone. Same as they charge people in z1 for congestion charge. The supermarket point is still odd. You are not banned from going to Asda. Although it is a terrible store.

Back in the real world.. you can drive out as many times as you wish. You have 100 permits a year to drive through Oxford city centre or have to pay for more. I mean why you would try to drive though the centre there is beyond me. It's bad enough walking with all the tourists. Nothing to stop you driving out to the ring road and then driving in again btw to get to a location on the other side. Which in most cases is more sensible. Not sure I get your point about supermarkets... Sorry

You what? There is nothing stopping you driving anywhere... Just if things are closer why would (most) people. That's the idea ......

Because they are loss making in regions where they don't hold a banking license and need to raise capital to continue in a tough market. UK customers make up 30% of revenues so saying to investors hey we lose money today on these but hey once we get a banking license we can make a profit like we do in eea and then do the same in the USA is a decent selling point. Without that, they will raise capital but at a much lower valuation point. So yes they will continue trading as was but it's still a big blow to the overall business model and plans. One to watch out for us curve card and a couple of the other smaller EMI. The ones who still need to raise serious capital to keep the lights on.

It's massive. They have to safeguard those funds at another bank under their current license, which costs and you get nothing in return. With a banking license they could lend them out for profit etc etc.

Wouldn't trust any of the neo banks without an actual banking license with any real money They operate under an EMI license. That means that your money is held as long as they rec correctly in a safeguarding account at another regulated bank. However... You don't actually have the same level of protection. Furthermore if it collapses who is reconciling and distributing those funds to underlying customers? The administrators.. so expect a 2 year wait.. and causally if they can't secure their own fees from selling other assets your safeguarded funds are fair game to pay themselves

But again those two arnt necessarily linked. Agreed they could be and might be but also far more likely to be seperate or not linked at all. If you speak to many Texan (I've worked a lot in Austin) they almost inevitably see any gun control as means to the end of total federal government control of their lives. Could be, might be, but also might just be gun control for other reasons.

Are they not two separate things? I.e. 1) decentralisation of services through better technology is one. You used to need trauma hospital experts to do diagnostic tests, now the tech is so much better you can run the machines in expanded doctors surgeries. Secondly and as yet seen program to stop you therefore going to a major city and lock you in Swindon etc. Which 1 is not necessarily needed for

Odd new thing to be loony about. Not sure anyone would complain about having services closer and no longer a 2hr drive to a district hospital for an MRI... But seemingly they do. Protest letter to local rag about new local centre being built.

Always interesting to see non-londoner telling Londoners what they can and can't earn and stupidity of paying London prices. As others have pointed out, 100k for not even middle management at most banking divisions now, plus junior corporate lawyers have gone mad in terms of salaries (100k easy) even auditors at big 4 can get 80k on passing finals. Not of course to suggest rents arnt crazy and above professions are offset by millions on very low wages in hospitality, retail etc to give average of 45k. However leaving uni in say Durham and doing a 5 to 10 year stint in the London firms before moving elsewhere is far from the stupidest move.

Apologies you are right. Didn't click set terms were now effectively banned. Also didn't pick up on revised section 8, which if used as intented means you can evict for sale or move in alongside notice.

So what's stopping offering a 12m AST then not renewing or upping rent at end by 500%? Agreed law change stops intra contract eviction but realistically, if you rent on a 12m standard contract you are not looking to sell at time of rental contract agreed so realistic worst case you need to wait 6months

Then build more houses. The lack of homes is a problem in certain areas, but conversely if the state baned ownership then there would still be a lack of houses. The pivot from rental to ownership doesn't create homelessness or help it. If your argument is rentals are more densely occupied than owned then need to strip out existing from change. I.e. little old lady living in a 5 bed she owns is arguably a waste agreed, but she's highly unlikely to be buying off a BTL landlord selling up. A family moving into a house or young couple of would have been renting far more likely.

From China via the sea of Japan? Or across the Pacific? Get your point on relative asylum policy but suggest geography is also a factor here. Alongside border control of china / Russia compared to Greece and Italy.

Still doesn't solve the issue.. I'd you reject a claim from someone from Afghanistan.. where are you sending them? Who is accepting the other side regardless of ethics?