iamnumerate
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Posts posted by iamnumerate
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2 hours ago, 24gray24 said:
My conclusion from this thread is that Dr Doom's point that interest rates must keep rising to prevent inflation rising is less controversial than the font size of the reporter.
And that the bank of england is going to keep rates level to get inflation really going.
+1
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16 minutes ago, regprentice said:
The FT are reporting the govt has put aside £1Bn to cover these payout.
Ministers have set aside a total of £1bn in compensation under various schemes. More than £120mn has been paid out to 2,600 individuals affected by the Horizon scandal, according to the Post Office.
It should be more shouldn't it? £600K may sound a lot but it should be more for many people.
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On 14/09/2023 at 19:28, A.steve said:
Air-BnB never did make sense to me. I can imagine wanting a B&B - and I'd want just to sleep there and eat breakfast and leave. I don't imagine craving the opportunity to vacuum or dust. Why would I want an Air BnB?
I guess it might make sense if it is cheaper.
On 14/09/2023 at 19:28, A.steve said:If I had a vacant property - why would I want to let Air BnB? What would be the reason anyone would prefer my offering over a BnB? I could see it being desirable for parties or other high-risk activities... but would I want the risk of the consequences?
Air BnB doesn't make sense to me. That said, 'holiday lets' don't make sense to me - neither does buying a 'holiday home' (unless, I suppose, that's a bus-sized RV).
It might make sense if you were desperate for the money and found it easier than a BnB.
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1 minute ago, Trampa501 said:
I don't know if it's still the case but properties back in the 90s were very cheap in south Yorkshire, particularly in ex-mining areas. Probably down to high unemployment rates and associated youth crime. But some of the villages were very attractive visually.
I would guess York prices are not typical of Yorkshire - hopefully someone more knowledgeable can tell us.
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5 hours ago, Wurzel Of Highbridge said:
Silly question from someone who has only lived south of London...
Why the hell is Leeds/York so expensive? I honestly thought that prices up that end would be 50% of what I have just been looking at on Rightmove.
Wondering if the North of London has got ahead of itself?
York is very touristy and fashionable.
I would guess nearby is cheaper a bit like South West London is more than similar places in South London.
You pay for the tourist sights you rarely get round to seeing.
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2 hours ago, Si1 said:
https://www.rollonfriday.com/news-content/wombles-partner-set-grilling-over-post-office-scandal
Castleton has claimed that before the hearing, Dilley contacted him and encouraged him to drop his defence, telling him, “Lee, just listen, we will ruin you. Think of your family”.
(WBD has denied this occurred, commenting that "We strongly reject this accusation".)
The Post Office won its case, at which the sub-postmaster was unrepresented because he could not afford a lawyer, after falsely telling the court that Castleton was the only person with access to the Horizon software.
Having been denounced as a “thief” by the Post Office's counsel, Castleton was ordered to repay the £25,000 and pay the Post Office’s costs of £321,000.
He was forced to declare bankruptcy and had to close down his shop, sell his house and move into rented accommodation. His wife suffered stress-induced seizures and his children moved schools after they were blulied.
Dilley’s victory over the unrepresented sub-postmaster used to feature prominently on his Womble Bond Dickinson website profile as a career highlight. But, for some reason, about a year ago it was excised, and now there is nary a mention of his work for the company.
"There is much much worse to come for the Wombles. This is just the first case they handled. It is the later cases ( read the court of appeal judgement )where things get very serious. A Southampton partner was boasting about his 6 figure bonus for his role in these cases. When you know the facts it is stomach churning. It will all come out eventually."
"googled Post Office Scandal and was astounded by what the Judges had to say about the conduct of the Wombles . Best read for yourself but one of the worse was Wombles being described as a legal gymnast performing every trick in the book to prevent the innocent (many dead before clearing their names) sub postmasters getting their day in court. The Judges do not hold back. "
If I were retired I would try to get hold of the transcripts and try to find clear cases of perjury (the same person saying in two cases. Only one post office employee has had these problems) and publish them.
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1 hour ago, Gbob said:
I like bungalows. Having only one floor makes them easier to maintain. I even managed some simple roof repairs on mine which I would never have been brave enough to tackle on a house, or even have a ladder tall enough to access. You normally get good floorspace, a decent sized loft and a big garden too.
Stairs are over rated.
Good point about maintaince.
However you do get more floor space for land used which I think makes up for it.
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53 minutes ago, Stewy said:
My experience from recent job applications is that WFH is here to stay. I got two offers both around £162k - one was fully remote, the other two days in the office. I accepted the latter.
It seems the potential reduced spend on office space means a willingness to bid up for the right candidate.
✓✓✓
I got the impression that more people are coming into the office.
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4 hours ago, hotblack42 said:
Let's put this to bed. Absolutely nothing wrong with using a mortgage to buy a sensible car that earns its keep & has low running costs, then making overpayments until the the capital balance is driven down to where it would have been.
There's everything wrong with extending the mortgage to raise the upfront lump sum on a willy waving 4x4 or GT with horrible running costs & actually reducing the proportion of monthly mortgage payments clearing capital.
Those that have done the latter will be exposed & will entirely deserve their subsequent humiliation. I look down on them because that is where they are located.
+1
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4 hours ago, regprentice said:
The real answer is because you'll still be paying the debt on the car years after you no longer own it. and if youve bought car after car after car on your mortgage you've probably compounded that debt significantly.
4 hours ago, Timm said:Because if you default on a car loan you might lose the car.
If you default on a mortgage...
True but shouldn't the mortgage be cheaper because of that and so you save money that enables you to pay off the mortgage quicker so reducing your risk.
(I am assuming that someone HAS to borrow money to buy a car).
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1 hour ago, LivingWithTheInlaws said:
I agree with this. I do criticise the situation people are in but at the same time, I'm not in the same situation because things went my way. When I look back, there are so many points at which it could have gone wrong. I'm not great with money but I'm not so bad that I borrow to go on holiday. We've had some great family holiday in the UK when the money hasn't been there. I've also never been tempted to borrow on the mortgage to buy things. I actually had a review at the bank when I was about 26. I was asking about car finance and they actually recommended extending the mortgage. Now people who have done that are screwed.
Genuine question, If a car is a good investment i.e. a person needs a car to work and it is a reasonable price and you can't get a cheaper reliable car.
Why not extend the mortgage?
Obviously extending the mortgage for luxuries is silly.
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4 hours ago, scottbeard said:
Of course not and they aren't paid the same, and shouldn't be expected to be. However, it's also hard to see why they shouldn't be part of the same bonus scheme, even if one group gets a lower bonus than the other. The courts agreed.
I agree with you about the bonus scheme.
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9 hours ago, scottbeard said:
Indirect discrimination is always tricky, and will have shades of grey. But usually at the bottom of successful claims - especially one for £1 billion - will be some genuine unfairness.
I am not sure that is always true. I don't think office cleaners and road cleaners are equivalent. For reasons that should be obvious.
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This is quite different to other councils it is because of legal challenges under fair pay and IT.
Not investing in property like Woking.
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On 01/09/2023 at 13:43, Ballyk said:
Deluded pro-Putin nonsense.
Russia is destroying its army, wiping out its young men, and impoverishing itself along the way.
After Ukrainians, the people I feel most sorry for are the average Russians.
+1
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20 minutes ago, Bob8 said:
That makes little sense. Surely the point is that "people working for a living are being rinsed by the very wealthy"/"the poor have all the money"*
*Depending on your politicsThat is true, however I am sorry that you didn't understand the logic.
Doctors say that their salary has declined and so they should have a pay rise.
However that is not logical, salary of people working in career x should rise similar to the rest of the country. (Unless they were seriously underpaid).
After all if Doctors pay had risen by inflation plus 10 percent and everyone elses by inflation plus 100 percent then they would have a good reason to ask for a pay rise.
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4 hours ago, hurlerontheditch said:
This
QuoteThis is why we all feel so skint - wages have been stagnant since 2010.
Is why I don't feel sympathy for doctors - I am sure that relative to wages their pay has dropped - but how about compared to others?
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10 hours ago, bushblairandbrown said:
This made me lol. I don’t recall ever understanding what any of winkie’s posts are about!
+1
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On 31/08/2023 at 06:43, hotblack42 said:
Well do you live in the UK or not?
If @canbuywontbuy lived in the UK would he be correct?
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4 minutes ago, msi said:
If you expect and fear it, then it can't catch you out. I fully expect emissions schemes to be tightened every 5 years or so and LEZs to be the default for city / urban centres.
It can if you have already bought. Saying that even 6 years ago I wouldn't buy a diesel because I thought that there might problems in the future.
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9 hours ago, Mrs Doyle said:
You can work out the approximate price per house and you can compare that to the advertised price.
It's quite a difference.
You are assuming that they are all the same quality as the council is buying. but we don't know how many the council buying are 2 and how many 3 bedrooms.
And who cares what the advertised price is - what are people actually paying?
So my original post was valid
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1 hour ago, Mrs Doyle said:
You'd know what they paid if you'd been arsed to read the article before spouting off.
I don't know what other buyers paid for comparable housing on the estate. Saying that they paid
QuoteSouth Kesteven District Council bought 12 of the houses for just over £1.8million, using joint funding from the Government's Local Authority Housing Fund and the Council's Housing Revenue Account budget.
The dozen homes are a mix of two and three-bedroom new-builds and two-bedroom bungalows which were already identified for social housing, according to the council. They are the first of 21 houses earmarked for the re-homing scheme.
Is a bit meaningless as we don't know how many were two and how many three bedroom houses.
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2 hours ago, BorrowToLeech said:
Not really. Politically they had a huge opportunity for reform. Coming to office just after the largest financial crisis in recent history meant they could justify almost any policy or reform they wanted. This was the moment to redirect the economy towards real productive growth and away from housing and financial services. But what they wanted to do instead was to reinflate the Blair bubble and to bail out landlords, and that’s what they did. It is such a shame.
I think you are right although to be fair to them, when they came to power the state owned lots of banks and perhaps they were worried about the value of our "investments."
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Hopefully the council got a discount because they were buying in bulk.
However I doubt that they even tried and possbily paid more than some other buyers.
Post Office Scandal - Disgrace
in House prices and the economy
Posted
For me it is when they said "No one else has had these problems."
That must have been a lie- unless they had memory issues.