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Smash It Up

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About Smash It Up

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    HPC Poster

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    http://www.spin-this.co.uk
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  • About Me
    Finding somewhere to live that won't cost me every penny I earn.
  1. More detail on the Bank's predictions: From Spin This!
  2. Never been an early riser, and it annoys me that people think you must be lazy if you don't like to get up at the crack of dawn. I'll quite happily work late nights if it means I can sleep later in the morning. I find if I get up and arrive at work early, I'll usually spend the first couple of hours arsing about and trying to get my brain into gear, so it's wasted time anyway. I've always tried to engineer my life so that I live as close as possible to where I work, so that I can sleep later on weekdays.
  3. 34, public relations for a BIG consumer electronics company. I hate it. If rents/property prices were cheaper and you could get a one bed flat for a fair price, I'd be able to downshift to a less well paid job that I actually enjoy doing every day instead of putting up with this crap.
  4. This raises an interesting question about tenants rights in the UK, which I imagine is going to become a lot more important in the coming year. What protections do we have when our fly-by-night landlords go bust and the banks reposses their properties? The newspapers are so busy wringing their hands over the plight of the poor property owning classes who bought into the BTL get rich quick scam, that they've completely forgotten about the real victims - the tenants who'll be kicked out onto the street and probably be robbed of their security deposits.
  5. The story is about rising energy bills, the headline reads "Homeowners hit by fresh bills rise". Does that mean people who don't own their homes aren't effected by rising energy bills? Once again I'm left feeling more than a little irritated by all the whining and hand-wringing over the plight of poor-home owners, while those of us who've been priced out and left with no option but to rent are treated as if we either don't exist or simply don't matter.
  6. Sorry to pimp my site so blatantly on this board, but you might find some worthwhile articles on the UK economy here: www.economonkey.com/features-archive/
  7. I know you shouldn't read too much into this kind of stuff, but I notice in the Sainsbury's near my office in Chiswick they've started promoting their budget own-brand products (the ones in the really nasty packaging that are normally only bought by the most price-sensitive customers) quite heavily. Bear in mind that this is in a fairly affluent suburb of west London, so I think it's very telling about the current state of things that the local supermarket thinks this is a good time to start promoting its low-cost products - I know that these kinds of promotions are planned with scientific precision based on all sorts of data about customer behaviour patterns.
  8. Absolutely beautiful, I was grinning from ear to ear when I saw that headline on the tube this morning. I can't imagine how many millions of people get their morning McNews from this rag - today counts as a major turning point, I think.
  9. I just renewed my tenancy in Acton/Gunnersbury Park - nice(ish) 1 bed flat over a shop on the north circular, not exactly dez-rez but it's the best I could afford within 1/2 hours walk from the office. I was expecting the rent to be pushed up after initially signing an 18 month contract for £750pcm, but the managing agent didn't even try to weasel more money out of me, they just asked nicely if I'd like to stay and then sent me the renewal forms.
  10. It's ridiculous - the press is reporting this today as the arrival of affordable housing, and the company marketing them in the UK reckons they're within the reach of somebody earning £15k a year. So, the cheapest flat pack flat costs £100k, let's be indulgent and imagine that somebody on £15 has somehow managed to scrape together a £10k deposit, they'd still need to borrow £90k, or SIX times their salary. Assuming an interest rate of 6%, this means monthly repayments of £587. Somebody earning £15,000 would take home £997, leaving them with £410 after their mortgage to live on. Condemn yourself to life on the poverty line, all for the sake of 'getting a foot on the ladder' with an overpriced plywood box. What a joke.
  11. I agree with the OP, I think shared ownership is an evil scam. I was browsing through findaproperty yesterday, just looking at the cost of flats in different parts of London, and there were so many advertised at £60-100k for anything between a 25% to 40% share. It's just sickening, that amount of money would comfortable cover the cost of a whole flat not so long ago. Anybody who falls for this needs their head examining.
  12. From the BBC story: Under the plans, a “period of non-disclosure” would be allowed so that there is not an “immediate adverse impact on consumer confidence”. The English translation of this double-speak is: “The public must be kept in the dark so they don’t suddenly start questioning the wisdom of handing over their hard earned money to a badly managed bank.”
  13. It sounds like exactly the sort of guff designed to appeal to the vanity of the UK's new generation of wannabe-entrepreneurs who think they're business geniuses because they made a few quid flipping properties in an agressively rising market. There are probably quite a few of them who are convinced they've got what it takes to win big in a falling market too. Egos will be bruised.
  14. I'm a professional copywriter (ex journalist) - I write articles, white papers, brochures etc. for some large multi-national businesses in my professional life (that's when I'm not slacking off and lurking around this place). I'd be happy to take a shot at it, if you could all agree what exactly we wanted to say. As an initial guideline, I'd need the following information to get started: 3 key messages - what are the three main points you want to get across? Target readership - OK, it's an open letter to the government, but who do you really want to read it? Call to action - what one thing do you want the target readership to do when they've finished reading the letter? If you can agree on those points, I'll knock out a first draft as soon as I can.
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