Brexit, for once some facts.
- Thread starter flecc
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I still don't perceive this as a benefit, more as a helping hand to assist those who are trying.
If someone has worked for a while, scraped a bit of cash together and shown themselves to be reliable, then this scheme can give them a leg-up, which is a good thing. They don't need to be rich or from a wealthy family, just to have the motivation to help themselves. This is an opportunity which has to be repaid, not a benefit.
If on the other hand a person is lazy and stays in bed all day eating Jaffa Cakes and drinking SunnyDelight, they aren't ever going to qualify for a loan and nor should they. They will squander the opportunity. You will find them at the doctors surgery saying, "I'm all fat and spazzy and it's all the governments fault and I can't work except for cash in hand and can I have incapacity benefit & a scooter?" This is a benefit, not an opportunity. This doesn't need to be repaid, it's free money, unlike Help to Buy which does, with interest, by the responsible people.
Part of reason to allow easier loans to relatively high earners is in an effort not to falsely alter the price distribution of houses. If only those on bare minimum were given loans ( actually at same interest, its the access to loans which has eased) the houses that group of people were attracted to would be falsely inflated.
Easier , even cheaper , loans if aimed at one particular socio economic group can have the exact opposite effect to the desired one. Ie.houses I that group are raised in value, not helping buyer at all..just the probably already affluent owners.
The sensible approach is to ensure similar access and cost for loans accross all groups.
With the advent of such little return on investments nobody can borrow money to invest and profit. In times of high growth it was possible to borrow money ( mortgage), invest that money on stock market and profit. Those days have ling gone . Anybody borrowing money now needs to.( or feel they do)
Having said that its hardly a favour making it easier for people to get in debt. Easy credit is causing more harm than good, its first step to financial bondage.
Easier , even cheaper , loans if aimed at one particular socio economic group can have the exact opposite effect to the desired one. Ie.houses I that group are raised in value, not helping buyer at all..just the probably already affluent owners.
The sensible approach is to ensure similar access and cost for loans accross all groups.
With the advent of such little return on investments nobody can borrow money to invest and profit. In times of high growth it was possible to borrow money ( mortgage), invest that money on stock market and profit. Those days have ling gone . Anybody borrowing money now needs to.( or feel they do)
Having said that its hardly a favour making it easier for people to get in debt. Easy credit is causing more harm than good, its first step to financial bondage.
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The top ranking republican senator at that meeting, a L Graham while refusing to use the actual term did say that he had had words with DT about it and the implied racism. Without making much of it there are now multiple examples of where DT has denied statements which we have heard him make. The other republicans at that meeting have demurred from commenting on the language using polite evasions such as "I don't recall.. " an ability to selectively forget is a valuable commodity in any political or indeed management position.
Not quite as clear cut as that.
As a trained nurse my sister went to the USA at age 20 to do her mental nursing training, where better than the land of the nut case. After a while she met her husband to be, they married and had four children, living first in New York State and later in Pennsylvania. She retained her British/English nationality and always wanted to visit the old country in later years, managing one visit when she was 30.
Now aged 79 she hasn't been able to visit in these later years, the reason being her husband died some years ago which leaves her under their rules an alien after 59 years there. Despite having four grown up children there, she now has no guarantee of being let back in if she visits Britain, so daren't risk it. It seems these rules are enforced eratically and often very harshly.
So the generosity can be qualified and rather limited.
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It is quite incredible that the public at large seems content to accept such selective amnesia from the political class yet screams loudly when police officers, lawyers, surveyors, clergy and the like attempt to use that excuse.
In recent times, quite a number of
Tom
All institutions practice selective dementia, it's sometimes necessary to get around the strict rules that exist in institutions when those rules impede their function.
It follows that many individuals within institutions will from time to time abuse that leeway, the police indeed being one of the most guilty in that respect in my experience.
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The problem for me is that I find it a nonsense that someone should be given help to buy another home when they already have one.
Can you actually live in two homes?
No of course not, it is an opportunity to make a profit at the expenses of both society and other people.
Sorry but really buying homes for profit when there is a shortage is GREED and antisocial.
It's an opportunity all right , to take part in one the evils of Society today, parasiting off others in the community.
And lets face it coining in on money that you haven't actually earned, have you?
It fell off the Money Tree, and as prices of houses rise because of these swindles you can't go wrong with your nice little anti social money making scams can you?
A helping hand to those who are trying? very droll, trying to muscle in on a racket is what they are "trying" to do.
And when you get down to it the utterly absurd price of housing has made the nation uncompetitive as wages have to be greatly inflated so people have a roof over their heads.
Some much for a leg up for those who are "Trying"
It all amounts to a leg "Down" for society as a whole.
Stupid economical system.
The nation would be far more efficient if all Housing was state owned and rented out.
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OG, it commendable to have a benevolent streak and want to see fairness in society. However, in your case I think this has become an obsession to the point where your view of life has become distorted and you see unfairness where none exists.The problem for me is that I find it a nonsense that someone should be given help to buy another home when they already have one.
Can you actually live in two homes?
No of course not, it is an opportunity to make a profit at the expenses of both society and other people.
Sorry but really buying homes for profit when there is a shortage is GREED and antisocial.
It's an opportunity all right , to take part in one the evils of Society today, parasiting off others in the community.
And lets face it coining in on money that you haven't actually earned, have you?
It fell off the Money Tree, and as prices of houses rise because of these swindles you can't go wrong with your nice little anti social money making scams can you?
A helping hand to those who are trying? very droll, trying to muscle in on a racket is what they are "trying" to do.
And when you get down to it the utterly absurd price of housing has made the nation uncompetitive as wages have to be greatly inflated so people have a roof over their heads.
Some much for a leg up for those who are "Trying"
It all amounts to a leg "Down" for society as a whole.
Stupid economical system.
The nation would be far more efficient if all Housing was state owned and rented out.
For example, let’s take this Help to Buy scheme. You say above that;
“The problem for me is that I find it a nonsense that someone should be given help to buy another home when they already have one. Can you actually live in two homes?“
That’s complete rubbish and illustrates perfectly your distorted take on matters. You can’t use the scheme to buy a second home, it’s against the terms and conditions. To be eligible, you have to be a first time buyer looking to buy a newly built home. Or, you must be looking to move from your present house into a newly built house. This scheme is intended to help people who are working and trying their best to achieve the security of owning a home. What’s unfair about that?
I own three houses and let two to tenants. I don’t come from a privileged background and my parents weren’t wealthy. I have got the money together by working hard. Whilst other people have spent their leisure time watching telly, playing XBox and generally twatting about, I’ve been shitted up, covered dust, mud, concrete and other materials. I’ve been studying for qualifications instead of smoking fags & drinking ale, spending my money on courses and training and not on consumer shite, running a business on my days off, not playing snooker & wanking.
You are the perfect embodiment of all that is wrong with socialism. Whilst well meaning, it goes too far and becomes a war of resentment against ordinary people who have worked hard and achieved things. Socialists tend to see it as their calling in life to penalise hard workers by shovelling the fruits of their labour into the pockets of bone idle ass-holes who will never achieve anything, ever.
I am due to retire very soon and I intend to do voluntary work helping people with maths and basic numeracy. This is how we should be making a fairer society, by giving people tools and opportunity to better themselves, not by shovelling free cash into their pockets in return for FA. That’s plain stupid, unfair and in the long term, damaging to those who we are supposed to be helping.
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Does that count as two of their five-a-day?
Further to my comments in post #26173 about the two-faced, lying piece of hist,.....leader of the laughable demorats, Tim Farroff, it seems I'm not the only one who has noticed his quirky behaviour and reversible opinions when interviewed.
This piece from a lesbian with whom I wouldn't pick a fight gets straight to the point and demonstrates, I have no doubt, the view of many LBGT+ voters:
dear-tim-farron-get-bleeding-heart-fck-vagina-sincerely-angry-lesbian-opinion
Tom
This piece from a lesbian with whom I wouldn't pick a fight gets straight to the point and demonstrates, I have no doubt, the view of many LBGT+ voters:
dear-tim-farron-get-bleeding-heart-fck-vagina-sincerely-angry-lesbian-opinion
Tom
This is a bit of a tangent, but trump is, also, a compulsive pathological liar. The US embassy in London was, for example, sold by the Bush administration, not Obama. And he knew that while stating the opposite. Much as with gove Boris et al, one simply cannot attach any intrinsic value to anything that comes out of him
Well said Tillson. Couldn't agree more. When I first went into lecturing/ teaching after funding my way through college tyre fitting I earnt less than had I stayed putting tyres on ford escorts...I also taught night school 3 nights a week and studied for Maths masters degree and ran a watersports business from a trailer at weekends. Ended up in a good place economicaly after 35 years always doing at minimum 2 jobs and renovating at least 3 houses, fittting out barges and yachts and building 20 cars or so. ( over a 35 year period)but OG insists I milk system because one of houses I rent out ( which I renovated) has rent paid by government.
Some of OG's and Tom's extreme socialism is absurd and represents exactly why Labour are not in power , and if they attain power it will be an inherited rather than earnt situation. Extreme socialism has no place in our society. Extreme socialism always brings about control through other devices than fiscal. For our money based society unfortunately we must all strive to earn it, without that incentive society as we know it dies. If we get everything given , what's the point of working hard ?
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The despicable, lying, tax-cheating, tory scum have raided the treasury coffers of taxpayers' money once again to help out their friends and benefactors:
media-missed-governments-grotesque-10m-sweetheart-deal-southern-rail
Now, let's see what they do about Carillion!
Tom
media-missed-governments-grotesque-10m-sweetheart-deal-southern-rail
Now, let's see what they do about Carillion!
Tom
Carillion is one of the great British companies that were going to make the UK enormously successful once we are free of the EU.
Well, that was the plan, but it seems to be falling apart at a rate of knots.
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There have been similar cases reported in the UK of European residents and I regret to say one such case extremely similar to your sister from Ireland, last week, where a English by birth women had married in Ireland had her children here but never took out Irish nationality.. why would she and was served with deportation papers, after her husband died recently and at age 61 but am happier to say that it is now being investigated with the expectation of a satisfactory outcome
You really don't have any grasp of the point I am trying to make, which is simply this.
Houses have become the biggest liability to the competitiveness of the nation by burying a huge amount of assets to no purpose and driving up living costs out of sight.
Yet here you are trying to sound somehow virtuous in taking advantage of this poisonous and ruinous financial betting shop?
And you still have this notion of hating people who get something for nothing,ignoring the blatantly obvious fact that when house prices rise, you do exactly the same thing!
Glory be! through no effort or work on your part, suddenly you become more wealthy.
Remind me how is that different from the scroungers you denigrate who wait with their hands out for freebies in return for doing no work?
Enlighten me, what is the difference? are you somehow through virtue more deserving?
"For our money based society unfortunately we must all strive to earn it,"
Working hard as in pocketing the money when house prices rise as demand is stimulated by help to buy on expensive properties that were struggling to sell?
How delightful, and the moral goes right over your head,doesn't it?
D
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I've just been looking at the list of notable members to see how far down the list you have to go before you get to someone who normally posts sense. You name stood out, but you don't post much in the bikes forums, so I clicked on your recent activity to see what you're up to, and I came to this post.
I couldn't have put it nearly as well as you did. Unfortunately, you're only feeding these trolls, so you don't get anything for your efforts except more chunder spouted out at you from their malfunctioning internal systems.