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flatnose

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About flatnose

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    Clogland!
  1. I like Private Eye! http://www.private-eye.co.uk/registry Yet another prop for the housing bubble.
  2. Just looking at house prices versus renting prices in my area confirms that I get a much better standard of living and bang for my buck if I rent. I have always rented properties off farmers in National Parks. I used to live in the Dales but now I live in the Lakes. I rent a 18th century three bedroom detached converted barn for £600/month. To buy it would cost at least £350-400 grand, The tenure is a long let, there is little crime, the schools are small, the landlord pays for the building insurance and maintenance. Quickly ramming the figures into an online mortgage calculator at 5% equates to a mortgage of at least £2456 over 25 years in order to buy the property I rent. The total cost of the loan being £736905.00. This does not include buildings insurance and maintenance. More number crunching indicates that this means I save a minimum of 2456-600=£1856 a month which equates to total savings of £556,000 over twenty-five years. Yes it would be nice to own it outright but dammit, I can think of better things to spend my money on and I have a lifestyle people dream of. I and my family live in a big massive garden called the Lake District. Renting is dead money...yeah right!
  3. Calling the top (of this bounce)...Couldn't resist...been here since 2006 and managed to show restraint up to now....heh!
  4. flatnose

    Childcare Costs 'cancels Out Wages'

    Interesting point, however I have always understood feminism to be a Marxist philosophy as is political correctness.
  5. flatnose

    It Has To Be Asked...

    Unless of course there has been an unsustainable employment boom over the past few years....
  6. flatnose

    Doctors Strike

    Absolutely bang on, in addition the fact that doctors work within a multitude of private companies means that that the BMA is immune to the charge of monopoly. Hence the most accurate term for the way the BMA is organised and holds the state to ransom is cartel.
  7. flatnose

    Doctors Strike

    Indeed. The BMA operates as a cartel with incredible power and influence over government via the NHS and create the conditions where Doctors feel justified in demanding over inflated wages and privilege. Yes I believe that Doctors should get a decent renumeration but, (when the current average wage is not a even living wage), to insist on such high wages for Doctors at the cost of the taxpayer is I believe immoral. 20% cut in wages across the board would still give a very good wage and free up much needed money for other medical services. The age old argument is that Doctors will leave...fine let them...we could ship over some from France, give them a payrise and the nation will still be better off.
  8. flatnose

    Another Nail In The Coffin...

    My thoughts exactly.
  9. Bang goes the Sky subscription! "Before 5th April, couples with children needed one parent in work for at least 16 hours a week to qualify for Working Tax Credit (WTC). This weekly threshold was increased to 24 hours between both parents. Thus, parents who cannot increase their weekly working hours by at least eight hours between them will lose all of their WTC, worth up to £3,870 a year. Some of these families simply cannot find these extra hours, perhaps because they work in areas of high unemployment, or have childcare commitments that cannot change. As a result, some of the poorest families in Britain will have their WTC claims terminated and, therefore, will be nearly £75 a week worse off. In total, the CPAG estimates that over 424,000 adults and 470,000 children will be affected by changes to tax credits, which is a total of nearly 900,000 Brits affected.Before 5th April, you could usually get some Child Tax Credit if your yearly income was below £41,300. This threshold has now fallen. As a rough rule, you might not get Child Tax Credit if your yearly income is more than £26,000 and you have one child, or you have two children and your income is more than £32,200. You could still qualify if your income is above these amounts if, for example, you pay for registered or approved childcare, have more than two children, are disabled or have a disabled child." Link here
  10. What are peoples thoughts regarding the future of the two full time income household in this current time of austerity and it's influence on house prices. Can the latter model be sustained for the majority of the working population? Is the two full-time income family historically the exception to the rule? These are the questions I am beginning to ask myself now. Thoughts anyone?
  11. Bit of a straw man argument there...and as such adds nothing to your case.
  12. On page seven : "You only have to go onto House price crash to see what resentment does to a person. Some of them have been foaming at the mouth for 8 years now, every newspaper headline gives them hop that you and I will be homeless on the streets with our children (breeders we're called) because we over stretched, lied to get loans apparently and now we are stealing their free money interest too. It's not pretty."
  13. Interesting reading at Mumsnet. Am I being unreasonable to feel seething resentment towards those who profited from the house price bubble and hot anger at the Governments who allowed it to happen? Click here to read the Mumsnet thread
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