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Everything posted by PeanutButter

  1. Used to know a guy with the unlimited black amex. Pointless unless you’re one of the Salt Bae steak crowd.
  2. Pressure is growing on the government to introduce a registration scheme to help councils target rogue landlords renting out thousands of dangerous homes to families. A white paper spelling out the government’s plans for raising standards in the private rented sector, including a potential national landlord register that would bring England into line with the rest of the UK, is expected by the winter. * The analysis reveals 32 English councils with selective licensing schemes identified an average of 158 unsafe homes each in 2019-20, compared with 63 on average across 200 councils without such schemes. Councils with licensing schemes also took more action to remove the dangers they uncovered, with on average 85% of hazardous homes made safe. Local authorities without schemes resolved only 65% of hazards, such as dangerous electrics, extreme cold and severe overcrowding. https://www.theguardian.com/society/2021/oct/24/ministers-consider-national-registration-scheme-in-england-to-target-rogue-landlords As anyone who has been on here for the last decade will know, I’ve been banging on about this for ages. Landlords should be licensed. I’d go further and ensure that tenants have access to an independent financial overview of the landlord (a rating) so they’re aware if they’re taking a risk renting from someone dodgy. The power dynamic needs to be equalised.
  3. Just get a different card. 15k credit is an insane amount.
  4. Looking at the 2 bed flats near me, if they don't have a garden and were bought 2016/17 then yes, I see small uplifts or slight negative prices on some sales. The outside space is proving crucial. Edit to add that these places I've found are c500-600k. Which is really crazy for a 2 bed no garden.
  5. Yes I've enjoyed the series so far, he's a v competent world builder.
  6. Ahh yep https://www.itv.com/news/2021-07-01/poorest-schools-suffered-funding-cut-under-tory-reforms-says-watchdog Poorest schools suffered funding cut under Tory reforms, says watchdog Government efforts to “level up” funding for education have resulted in cuts to the money going to the most deprived schools, the Whitehall spending watchdog has found. The National Audit Office (NAO) said that since the introduction of a national funding formula for England there has been a “relative redistribution” of resources to schools in better-off areas. In contrast, it said, almost 60% of the most deprived fifth of schools have seen a real-terms reduction in Government funding since 2017-18. While schools in poorer areas continue to receive more support than those in better-off parts of the country, the NAO said the gap is narrowing and questioned whether the formula is leading to a fair allocation of resources. The findings are potentially embarrassing for Boris Johnson who, shortly after entering Downing Street in July 2019, announced an increase in funding under the formula with the aim of “levelling up education funding and giving all young people the same opportunities to succeed”. The formula, first introduced in 2018-19, brought in minimum per-pupil funding levels, but because most schools with high levels of deprivation were already receiving above the minimum threshold they did not see any increase. However, under the formula, more than one in three of the least deprived fifth of schools (37.1%) did get a rise. In all, in 2020-21 an additional £266 million was allocated to 3,150 schools – none in the poorest fifth. The NAO said that, since 2017-18, average per-pupil funding for the most deprived fifth of schools has fallen in real terms by 1.2% to £5,177, while for the least deprived fifth it has risen by 2.9% to £4,471. Cities with high levels of deprivation, such as Nottingham and Birmingham, as well as most London boroughs, have seen cuts while local authorities with relatively low levels of deprivation in the South West, the East Midlands and the South East received increases of around 1%. In all, 58.3% of the fifth most deprived schools suffered a real-terms per pupil funding cut, including 83.6% of those in inner London.
  7. There’s a book about how they could evolve. https://en.m.wikipedia.org/wiki/Children_of_Time_(novel) I believe there’s been a recent push to legislate for lobsters being killed humanely before boiling, on the basis that it was shown they were in fact experiencing acute agony during cooking. Given enough interaction with humans, I think almost any mammal could come to be seen as having emotional traits worth valuing. Personally, I would switch to vat grown meat with a sigh of relief. Perhaps all adults should be encouraged to visit an abattoir once in their lives. Killing living beings is not for the faint hearted, whatever their level of sentience.
  8. DOG PRICE CRASH Owners offload dogs bought in lockdown by pretending they are strays Rescue centres say they are seeing more and more pets their owners are now too busy to look after People are pretending that dogs they acquired during lockdown are strays so that rescue centres take them in, after failing to sell them online, animal rescue charities and shelters have warned. Figures from March revealed that more than 3.2m pets were bought by UK households during lockdown. Since Covid restrictions were lifted and people have started to return to the office, charities have reported a growing trend of people abandoning their pandemic pets as they no longer have as much time for them. https://www.theguardian.com/lifeandstyle/2021/oct/23/owners-offload-dogs-bought-in-lockdown-by-pretending-they-are-strays
  9. Microplastics are found in the blood of farm animals including cows and pigs for the first time - raising concerns about their movement through the food chain Microplastics have been found in the blood of cows and pigs for the first time, sparking concern about how the particles might move through the food chain. Scientists say the discovery could have serious implications for public health but warn that more research is needed to assess the level of toxicity and how much humans may be exposed to it. Experts fear that microplastics could be deposited in organs or find a way into breast milk if they enter a person's bloodstream.
  10. ‘This stuff won’t go away’: PFAS chemicals contaminate Wisconsin’s waterways and soil Last year, residents in Campbell, Wisconsin, a four-square-mile island city in the Mississippi River, learned disturbing news: toxic PFAS “forever chemicals” used in firefighting foam at a neighboring airport had probably been contaminating their private wells for decades. As state and local leaders search for a solution, residents now use bottled water for drinking, cooking and brushing their teeth. Yet the situation represents more than an enormous inconvenience. Some strongly suspect that the seemingly high rate of cancer, Crohn’s disease and other serious ailments that have plagued the island’s residents stem from the dangerous chemicals. ** Wisconsin’s troubles aren’t unique. States around the US are contending with similar difficulties, as increased testing has revealed that drinking water supplies for more than 100 million people are contaminated with PFAS, and the Environmental Protection Agency recently revealed 120,000 sites across the country that may expose people to the chemicals.
  11. Just had a poke around. So looking at the SE, 1 beds turns up long lease: https://www.rightmove.co.uk/properties/114541568#/?channel=RES_BUY 185k tiny 1 bed. 25% deposit BTL mortgage = 46250 Borrow 138750 Natwest 5 year fix repayment BTL mortgage (1500 fee) rate 1.69% - 568pm Interest only 195pm Rentals in area 800 - 1200pm, let's say 850 10%pm costs Playing with yield calc: https://www.spvmortgages.co.uk/rental-yield-calculator/ Basic rate taxpayer, maybe can make it worthwhile in a pinch for interest only. Higher rate no point. So yes, if people can start to get better savings rates then I don't see why they'd continue pumping the BTL market. These types of properties don't seem to have increased in value much in the pandemic either.
  12. big clock Must've been bogoff https://www.rightmove.co.uk/properties/76868718
  13. https://en.wikipedia.org/wiki/Martin_Lewis_(financial_journalist) In July 2015 Lewis sold just over half his shareholding in Moneysupermarket.com, obtained in the sale of Money Saving Expert, for £25.2 million.[14] On the back of this, he donated a further £1m to Citizens Advice and £500,000 each to The Trussell Trust and the Personal Finance Education Group to fund financial triage and education work.[15] His personal wealth is estimated at £125 million.[16] In 2018 Lewis started legal action against Facebook for defamation over fake adverts using his face and name, mostly promoting "bitcoin" and "investing". He later dropped the action after Facebook agreed to fund an anti-scam project.[17]
  14. Getting close to the bone though. They just need a few nudges…
  15. How do people afford to buy a house! http://www.mumsnet.com/Talk/am_i_being_unreasonable/4380170-How-do-people-afford-to-buy-a-house
  16. Do people as rich as you claim to be really talk like this? It seems rather inauthentic.
  17. Visited Battersea t'other day and noticed the railway arches all revamped and in use as trendy retail. Wondered if it was related to this deal as this seems to have been duplicated in other neighbourhoods.
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