captainb

If you have the cash the bet is; -Leasehold might be reformed in that 23 years allowing you to extend to 999 years without paying in full negotiation. -sum of rent less costs is greater than cost of borrowing against something else. Since they announced proposed leasehold reforms the value of these short leases has increased significantly. As for why someone dipped below 80 years, typically it's an older person who perhaps didn't have the 20-30k including legal fees to extend at 82 years.. so let it dip below. Family inherited and lived in.

Cool. Good luck next time. Maybe buy in a dip rather than think of a collapse.

Oh yeah. Solid prediction you made there... Did you buy 2009? Nope.. just sat there.. making the same nonsense 2011, 2012 and so on.

Cool..I'll await the next I told you so thread.. on the COLLAPSE of bank shares this time If past performance of sages here is anything to go by they just be set for a decent 20% bump.

Quite. Also most haven't picked up that deposit flight from small scale US banks has gone directly into the tier 1 banks. Thus a prediction of consolidation rather than collapse might be more rational and potentially overdue in the US banking environment. But boring.

You can stop land banking easy. Once planning permission approved you need to build on land within say 5 years or you have to auction it without reserve. Land without permission if owned by a corporate entity has to be used productively or same happens. You might cause some inner city farms with above but ultimately it will recycle land into those who actually will build on it over the medium term

Same as they always do. Land bank. Reduce supply and ride it out. Of course those on here believe supply and demand is irrelevant to house price sales prices, as evidenced by Mayfair and Middlesbrough being priced the same.

Z1, z2 and z4 I believe (genuinely)

Ok you are right. Young people who just past their test are no more likely to be in an accident. It's all a big conspiracy.🤔

Don't over 85 have to resit a test? If not they should.

It's self evident the young who typically lack experience and old who typically lack reflexes are more likely to be involved in an accident. Regardless heres a nice graph.

It is suited to someone into "watersports" to be fair When you are in bed.. staring at the toilet... Sat on your sofa staring at the toilet.. eating just 4ft away from...

I assume potential is when the Tennant decides they need a kettle or a heater or a cooking device of any kind...

Lucky the UK has such warm, dry and predictable weather. I was more confused by the kitchen in the wardrobe oh and not being able to shut the toilet door when you are on it.

Always been the case. If you want to jump the que on a non urgent op you have to go privately

I don't think anyone is saying consultants are burnt out by overwork. Junior doctors maybe. In terms of paying enough, not a cat in hell's chance of NHS paying Harley Street prices.

They aren't in the private sector anywhere within reason. You can get an operation privately tommorow in London, Lithuania, new York, Dubai etc.

Bold is your explanation.

UK will have to get as rich as Germany for a start on a per capita basis. There's about 1% max of GDP difference between the two, but Germany has a larger private insurance % than UK. At a guess as because everyone who works "buys" state insurance through their employment paying extra for something potentially extra isn't that abnormal. Personally think it's a better system. However the NHS has become too much like a religion for serious change https://www.bma.org.uk/advice-and-support/nhs-delivery-and-workforce/funding/health-funding-data-analysis#:~:text=OECD data suggests that in,stable over the past decade.

While I agree with it, it's nowhere near a "ban on holiday homes". Merely exploring ways to, apply principle residential only on new builds. Which means : 1- they have no power to 2-would only apply to a tiny fraction of the market being new builds

Yep. And HMRC have other priorities. Even more so after gushing 40billion in bounce back loans to shell companies, organised crime, multiple loans to the same company etc etc

Are rentals still more per month, than a 5 year fix at current rates? If you are planning to stay in same location, not the stupidest decision giving you are paying off capital as well... To be worst off you would need to bet rental costs would come down (?) Or your repair etc bill greater than the difference between rent and mortgage allowing for the capital repay.

I'd stop using that calculator https://www.gov.uk/pension-credit/eligibility Your income When you apply for Pension Credit your income is calculated. If you have a partner, your income is calculated together. Pension Credit tops up: your weekly income to £201.05 if you’re single your joint weekly income to £306.85 if you have a partner If your income is higher, you might still be eligible for Pension Credit if you have a disability, you care for someone, you have savings or you have housing costs. What counts as income Your income includes: State Pension

Nah state pension counts as income for it, so its not on top of. Pension credit takes your minimum income (inclusive of any state pension) upto that figure.

There's that and the self employed also. Assume (perhaps wrongly) that all these gig employees have no pension provisions?