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House Price Crash Forum

PeanutButter

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Everything posted by PeanutButter

  1. Wasn't half his groundswell down to Russian bots? I don't think he's dynamic enough to convince the average American moron to vote for him. He doesn't push the hate button or the love button, just the kind of 'Grampa has some good ideas' button.
  2. The aspiring FTBs I talk to are incredibly despondent about the market. They talk as if it will never come down and is completely out of reach. I’d posit that if any of these gloomy FTBs were to find a place they like that’s come down enough to warrant an offer they would leap at it.
  3. https://www.telegraph.co.uk/business/2019/02/19/first-time-buyers-make-slowing-market-purchases-hit-12-year/
  4. Shocked me the first time I saw cheese prices in Japan (ditto for charcuterie). It's very much a luxury product because of that. Not sure how beneficial it'll be to Japanese waistlines to have a flood of cheaper high calorie European foods. Jam, breakfast cereal - all sold in tiny packages and relatively expensive.
  5. My old Jazz was the best car I've ever had. Fold flat seats baby - tonnes of room for loading.
  6. Talking of Spreadsheet. A bird told me he had to travel to Cambridge the other day and duly booked out the ENTIRE FIRST CLASS CARRIAGE because of ahem 'security'. You'd think the 4 bodyguards would be enough.
  7. Every one of those shows where they swap a rich family with a poor family, or the family goes back in time through the eras, when they ask any of the kids at the end what they got out of it they ALWAYS say 'I loved spending more time with my family. ' I grew up poor(ish) but contented as a sandwich because my folks were always willing and available to give me attention. I'm also the first to go to uni but I'd stop work tomorrow if I could. On my deathbed I'm not going to think 'I wish I'd worked more'.
  8. Leave voters seem adamant that nothing that has happened since the vote is related to the vote Not sure how it’s possible that NO EVENT since the life changing, once in a generation referendum has been in any way related to the massive country-splitting choice. Are there ANY leave voters here willing to list a single political or economic news story since the ref that they’d attribute to it? Or are all the chickens heads firmly agrounded?
  9. I can't believe you rickrolled me into clicking that joke site Now all I need is someone to quote a Facebook 'One Weird Trick' clickbait ad.
  10. Top dog spends 3 or 4 days a week in UK, rest of the time in Europe or on holiday. Second dog does light hours, takes about 60+ days leave and many Fridays WFH. This chap's only a 3rd level dog. Which means he has to manage half the pups and guide a dozen offices outside UK. Lots of client pitching too. Can't just skype, has to fly, has to press the flesh. When one of the other dogs takes early retirement or gets headhunted he'll be able to step into a big leather chair and relax, but until then it's the commute. They'll let you get away with a lot but not if it forces them to work more.
  11. Handy summary article. https://www.bbc.co.uk/news/education-41187447 Reality Check verdict: In the past seven years, average pay for vice-chancellors has risen by about the same amount as average earnings, but there have been some individual examples of pay rising by considerably more than that. Oxford University's vice-chancellor, Louise Richardson, is paid £350,000, which is about 70% more than her predecessor was being paid 10 years ago. The vice-chancellor of Bath University, Prof Dame Glynis Breakwell, is the highest paid, receiving £451,000 in salary, benefits and allowances, up 77% during the past decade. The vice-chancellor of Birmingham University is paid £378,000 a year plus another £45,000 bonus and £3,000 in taxable benefits, which is a 60% increase on 10 years ago. So yes you’re right, but a few exceptions stand out.
  12. What? Here’s what I actually said: I'm not quite sure what you're getting at here. Are you against all university education, against university education that is free (ie the vast majority in the UK until 1998), against paying tutors, or against university fees? I wouldn’t have thought asking MarkG for some clarification on stance is mind blowing. Perhaps the bar for blowing minds has lowered.
  13. You know things are bad when people from HR are fired. I worked for a big US company a while back that did an office move - several small offices into one building. New building lease signed and all seemed to go well until they realised head of HR had forgotten to account for temps and contractors in the head count. No extra space left to lease. We never saw him again.
  14. At the tax dodge place they wouldn't bother with anyone earning less than £22ph. Just checked and the dodgy recruitment company is still going - looks like the directors have escaped HMRC's clutches. Sk1llsAll1ance - dirty dealers.
  15. I briefly (6 mo) shared an office with one of these tax dodge outfits. How it worked was that the legit(ish) recruitment company would contact contract workers for jobs. While they were talking they’d mention the tax dodge place and ask if they could pass on details (to the next desk lol). Tax dodge place would duly ring and try and get them in for hard sell. The whole place was a lie (one of them used a fake name) and I got the hell out of there ASAP. HMRC should go after the lot of them.
  16. https://www.theguardian.com/money/2019/feb/16/thousands-of-workers-hit-with-massive-tax-avoidance-bills “The schemes were hugely complex, but a simple example would be this. Let’s say the IT worker is hired for £3,000 worth of work. They are advised by their accountant to use an employee benefit trust (EBT), usually set up by a specialist company. The £3,000 is paid not to the IT worker but to the EBT, which then pays it back to them in the form of a loan, after some deductions for their fees. There is no tax paid on the £3,000, and the idea is that there is a mutual understanding that the loan will never be repaid. This is why HMRC calls it “disguised remuneration”. It’s also why many PAYE workers will have limited sympathy for the people receiving bills now, arguing that they were evidently sidestepping income tax.”
  17. Yes I find it curious that people take the line that all immigration to UK is a net positive (and I’m using economic benefit as the metric because that is what has been studied most) when the numbers don’t back that up. Those who are openly against immigration are depicted as reacting on baseless emotions and dismissed accordingly. But perhaps they have real life experience of limited school places, high house prices, choked transport, overwhelmed medical services or fewer jobs. None of these things have affected me personally but that doesn’t mean they don’t exist. All this back and forth for a neutral outcome is a waste of energy.
  18. I'm not quite sure what you're getting at here. Are you against all university education, against university education that is free (ie the vast majority in the UK until 1998), against paying tutors, or against university fees? "because they're not paying for it," - how so?
  19. Thanks for the reminder. I saw an ad and thought it could be worth a watch but ofc instantly forgot the name, channel and time.
  20. I don’t disagree. But the prevailing orthodoxy is that immigrants are a net benefit to the UK. Upon further reading (and more granular analysis) that appears to be incorrect. https://fullfact.org/immigration/how-immigrants-affect-public-finances/ However it would cause a house price crash, something those in control would never allow.
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