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House Price Crash Forum


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About Fergie

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  1. It's much better. The best thing about it, imo, is they don't have a vile, nasty tabloid press like we do here. As a result, they seem to have more grown up discussions about policy there, and it's a massively more positive country than here. There's a sense that people are valued for the jobs they do and for who they are. Pay isn't any better at the bottom but everything seems more egalitarian. For example when I worked in a big corporation there, everyone dressed the same (casually) and the chief executive or senior managers used the same kitchen areas as everyone else so you never knew whether you were chatting to someone really high up or a lowly temp. We used to have to do overtime quite a lot but they would "encourage" it by having beer and a takeaway brought in at 8pm or something and at that point everyone stopped. And in social life, no one ever asked what you did. I was very, very tempted to stay (I was there back in 2004/2005). If I knew what I know now about what would happen here I might have chosen differently.
  2. Fergie

    Edinbugh Latest

    Almost as bad as Uisge Beatha in Glasgow changing to "The Dram". And becoming a posh wine bar type place :angry:
  3. How much more bitter would you feel if you spend 10 or 20 years of your younger life waiting around for a "low point" in the housing market rather than having some interesting or exciting life experiences
  4. I have no problem paying a single mother to stay home and look after a kid. Rather that than force her out to some shitty telesales job and have the kid left home alone, which is what will happen when the kid hits a certain age anyway (5 is it these days?) Once the kid hits 16, the child benefits and child tax credits stop too, so it's a short term thing. I guess what I'm saying is don't fall for all the "us and them" ******** regarding benefits claimants. It's all part of the same thing - the rich get richer on the backs of everyone else suffering. And making being on benefits akin to some kind of crime and social failure you'll be punished for is a part of that agenda. I really don't see how removing help from single mothers and forcing kids out onto the streets or into even greater poverty would help anything, for example. Forcing everyone to work, even if they'd be more use at home caring for someone, or are really too ill, or are a raging alcoholic, or are 66 and don't want to etc, etc is one way to lower wages drastically and make life far harder for those who really want to, and need to work. All of us could easily end up on the dole for a while, or end up ill, or having to give up work to care for someone who falls very ill. That's why the safety net was there. While the boom happened, then while the bust has been happening, we've been sleeping and being manipulated into going along with that safety net being removed. That's a very large part of the problem. During the boom unemployment was historically very low, especially long term unemployment. It's high now because of the economy and government policy - not lazy feckless individuals.
  5. I agree with that. The cost of living is out of hand utterly, for the vast majority of people. So I can easily believe someone on £40K would very easily reach a point of little disposable income. Life is also very much more insecure for most people too. I'm certainly not claiming someone on £40K is rich by any stretch of the imagination. And yet they're probably in the top 10% of earners. There's something very wrong there. But it does p*ss me off when people say "I'd probably be better off on the dole." If anyone really thinks people on the dole get it easy and they're hard done by, this is a really good time to try it out and see I'm seeing a constant stream of people through work who are sampling life on the dole for the first time in their lives and are just waking up to the fact that the media guff about what benefit claimants get is just that - guff. It's a pittance, if anything, and they treat you like shit. Anyone who was unemployed 20 years ago is usually shocked by the change too. The benefits system is a vital part of the plan: it has to be so utterly horrendous as an experience, so soul destroying and hell that unless you abssolubely can't work and have to take that treatment, you'll take any old shitty, zero hours, low pay job to escape it. The benefits office currently has one of the worst records for stress and mental illness precisely because their staff know exactly what they're going into if they get sick or lose their jobs.
  6. No you're not, you English twit. Scots pay taxes, which go to Westminster. Westminster then gives us back those taxes in the form of a block grant - a grant which idiots like you seem to think is a handout for which we should be grateful. Our government then sets a budget based on the priorities which Scottish people want. Don't blame us if the English have different priorities which don't include free education and free prescriptions. The day when our taxes don't go to Westminster, but go directly to the Scottish parliament so we no longer have sanctimonious English twats saying they're "paying" for things up here is one I can't f*****ing wait for. Hopefully this Tory government - along with whingers like yourself - will bring that a bit closer.
  7. While still telling everyone else that it's morally wrong to default on your mortgage, and you should keep paying That guy trying to defend them was just hilarious.
  8. Sorry if this has been posted already - don't keep up with the site much these days. Thought people might be interested in this episode of the Daily Show yesterday though. The whole first half and half the second is devoted to how the banks are screwing Americans over dodgy mortgages, foreclosures etc. Good, funny, watching http://www.channel4.com/programmes/the-daily-show-with-jon-stewart/4od#3126156
  9. Despite all Dave's talk of "the Big Society", the voluntary sector is being hit hard, and will probably be hit harder. Like cutting the private companies contracts, it's far easier for councils to cut grants and money it gives to outside projects, especially if those are considered "peripheral". Trouble is, many of these voluntary sector projects are preventative: ie they prevent kids getting into crime, or older people going into hospital. So while it saves the councils money, it costs a shit-load more on general taxation down the line when you end up with more crime, more mental health problems, more emergency hospital admissions etc. But of course the usual whingers and loud-mouths just think "councils saving money = good thing".
  10. I needed complex, life saving treatment earlier this year, including an ambulance. The NHS were fantastic. And, you know what? If I'd been paying eye-watering private health-care premiums, it would still have been the NHS that did the job, as it involved emergency care.
  11. And actually, very few people were stupid enough to vote Tory. Given that Labour under Gordon Brown was the most despised government we've seen in a long time, and the Tories were the only real alternative, they didn't exactly get a ringing endorsement from the electorate - they didn't even get a majority. And that was before the electorate saw the cuts, the bashing of public services and the poor etc. If you think they're going to get more popular after all that, you're deluded.
  12. They are facts. The Tories didn't spend the last 10 years with their mouths shut. Maybe you weren't listening, but everything they said was either pro what Labour was doing, or saying it wasn't going far enough. Unless, of course, you can point to where the Tories were pleading with Labour not to deregulate the banks any more, not to let debt get out of control, to reign in the banks and house prices, not to go to war with Iraq?
  13. I don't agree with tax credits - totally overcomplicated - and agree there is a benefit trap. I'd rather see citizens income too, so that everyone can earn what they want without there being a trap, and without state bureauctrats asking questions about what you're doing. But you surely have to realise that you're extremely lucky to be in the situation where you have the choice. If you choose to spend some years while your kids are growing up working less, earning less, or choose to re-train, the state allows you that option with tax credits, But you have skills and the ability to earn more if you choose to. Rather than whinging about the system being unfair, surely you can see that puts you in about the luckiest situation you can be in? Many people are stuck in low wage jobs with no choice or option of leaping off tax credits into a much better paid job whenever they choose to do it. For those people, without extra help, tax credits etc, their life would be one of grinding, depressing poverty, which has been proven to create expensive problems later down the line with their kids. It means that for those people, they're not forced to take on 2nd or 3rd jobs to try and eran a bit more.
  14. Christ. For a moment there I thought £85K - that's not bad for a studio flat in North London, things are looking better. Then I noticed the real price
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