Is anyone quoting a price for Salmond leaving office prior to the referendum?
Have a look at the “Viking-gate” scandal that the SNP are trying to suppress. He is alleged to have spoken about Shetlanders with what can only be called racist contempt.
Average wage ? Save hard and work hard. Buy a flat. Save hard and work hard - then buy a small house. Save hard and work hard and do it up then trade up again.
May take 20 years but nothing comes easy. Depends how much you want it.
I find your attitude of the poor doing nothing but expecting the govt to take them to their new house in a sedan chair patronising and all that is wrong with the statist left.
You sir are a patronising tw*t
A) I am very far off the statist left, point to me where I ever asked the government to give people anything. I just want them to stop protecting the house values of people like you. Which is what they have done over the years with planning restrictions, relaxation of immigration controls and allowing you to put your property portfolio into pension vehicles.
Those on average wage can't save their entire pay is spent every month just to live day to day this is why the government ends up having to give them tax credits and housing benefit otherwise they couldn't even afford to rent.
If they hadn't propped up house prices rents would not have risen so much either so we wouldn't need tax credits and housing benefit either
The only ones with a massive sense of entitlement is the homeowner who expects the government to protect his "investment"
Average wage ? Save hard and work hard. Buy a flat. Save hard and work hard - then buy a small house. Save hard and work hard and do it up then trade up again.
May take 20 years but nothing comes easy. Depends how much you want it.
I find your attitude of the poor doing nothing but expecting the govt to take them to their new house in a sedan chair patronising and all that is wrong with the statist left.
You sir are a patronising tw*t
A) I am very far off the statist left, point to me where I ever asked the government to give people anything. I just want them to stop protecting the house values of people like you. Which is what they have done over the years with planning restrictions, relaxation of immigration controls and allowing you to put your property portfolio into pension vehicles.
Those on average wage can't save their entire pay is spent every month just to live day to day this is why the government ends up having to give them tax credits and housing benefit otherwise they couldn't even afford to rent.
If they hadn't propped up house prices rents would not have risen so much either so we wouldn't need tax credits and housing benefit either
The only ones with a massive sense of entitlement is the homeowner who expects the government to protect his "investment"
And people who have been paying too little into pensions and retiring too early on them, furious at having to work until 66 or 67, even though the younger people are expected to work until 70+ in all likelihood, or as my bank manager cheerily informed me, until he and I both die.
Depends on your definition of "socialism"? I am an ultra communist, but pragmatic enough to know it won't work, and also the reasons why. Unfortunately the right wing tends to be far more dogmatic and blinkered about their own "ideals"
"Maggie defeated communism!". "And this proves that capitalism is the one true way!" Wrong on both counts, however you would be as well trying to explain quantum physics to a lab mouse, as explaining this to them. (It is fun however, watching them wriggle and squirm when you push the hook into their nematode like bodies)
...Anyone who works hard can buy a house - perhaps not in Mayfair or Central Oxford but again depends how whiny and fussy you are...
...Average wage ? Save hard and work hard. Buy a flat. Save hard and work hard - then buy a small house. Save hard and work hard and do it up then trade up again...
It is still possible to do this outside the south-east of England. Within the South-East the picture is different. This has not been possible within the core for some time without parental help with the deposit. At the periphery (say, Bognor Regis or bits of Hampshire or Kent) it is still doable but is getting more difficult. If we widen our area, places like Weymouth, Trowbridge or Swindon are becoming unaffordable.
Indeed, those latter areas may have now become unaffordable in the past six months: I know that auction prices in those areas have gone upward fast in those areas since October 2013, surprising even the estate agents.
The normal auction price to sales price ratio is 1.1 to 1.2: the guide price is ~10% less than what the auctioneer thinks it will sell for at auction, and 20% lower than what it would sell for on the open market. But auctions in the abovementioned areas have since October registered ratios of 1.5, 1.8, 2.0... This is a good forward indicator of price increases.
So. In many areas it's not impossible to do what you say. And things should be difficult for Da Yout': instals discipline and reassures them that they can marshal resources to overcome problems. But there is a difference between difficult and impossible and in many areas in the South East it is impossible without parental help. And the trend is in the wrong direction.
Is anyone quoting a price for Salmond leaving office prior to the referendum?
Have a look at the “Viking-gate” scandal that the SNP are trying to suppress. He is alleged to have spoken about Shetlanders with what can only be called racist contempt.
First off my apologies to all for my outburst against TGOFH and calling him the word beginning with T. However my opinion holds he does not understand the problem here with his blithe statements of just save so I am going to do a little maths and try and show him the problem
I am on well above average wage on 40k currently and I rent.
by the time I have paid rent bills, travel to work etc I have 600£ left a month expendable which I need to buy food from as well
assume I do bare minimum shopping and save all of the rest so lets call it I spend 120 a month on food leaving 480£ to save.(This means I do not goto a pub, smoke, goto a cinema or anything else that costs money)
Assume further that I get a 2% pay increase
In my area a cheap one bedroom flat costs 185000 (note I live in a really cheap area of the south east anyway so moving somewhere cheaper isnt really on the cards)
I can get 4 x my wage as a mortgage or 160k meaning I need to save 25k for deposit
house price inflation in my area is running at 7.3% so lets look where saving gets me
Dont think I need to fill in more really to prove my point after saving hard for that flat where I initially only needed 25k deposit I now only need to raise another 31k to be able to buy that flat.
As long as house price inflation continues as it is I have no chance and people saying "oh just work hard and save" just comes across as total ignorance. Now I am on a pretty good wage compared to most people in this country. Imagine therefore what its like for those one average wage or below before you mouth off platitudes about "work on a bit this isnt cricket"
First off my apologies to all for my outburst against TGOFH and calling him the word beginning with T. However my opinion holds he does not understand the problem here with his blithe statements of just save so I am going to do a little maths and try and show him the problem
I am on well above average wage on 40k currently and I rent.
by the time I have paid rent bills, travel to work etc I have 600£ left a month expendable which I need to buy food from as well
assume I do bare minimum shopping and save all of the rest so lets call it I spend 120 a month on food leaving 480£ to save.(This means I do not goto a pub, smoke, goto a cinema or anything else that costs money)
Assume further that I get a 2% pay increase
In my area a cheap one bedroom flat costs 185000 (note I live in a really cheap area of the south east anyway so moving somewhere cheaper isnt really on the cards)
I can get 4 x my wage as a mortgage or 160k meaning I need to save 25k for deposit
house price inflation in my area is running at 7.3% so lets look where saving gets me
Dont think I need to fill in more really to prove my point after saving hard for that flat where I initially only needed 25k deposit I now only need to raise another 31k to be able to buy that flat.
As long as house price inflation continues as it is I have no chance and people saying "oh just work hard and save" just comes across as total ignorance. Now I am on a pretty good wage compared to most people in this country. Imagine therefore what its like for those one average wage or below before you mouth off platitudes about "work on a bit this isnt cricket"
*editted to try and improve formatting
"house price inflation in my area is running at 7.3% so lets look where saving gets me"
Use <pre> </pre> codes to produce a fixed format table, it forces characters and spaces to the same width.
This is a table That aligns properly
House inflation long term generally tracks general inflation. That is your wages will (eventually) catch up with house prices. The ups and downs do sort themselves out. Save what you can and be patient.
The current prices are stupid. Beyond stupid. But it cannot last, whether through reduction in prices, or a weak market, or wage inflation, you will get your moment. Grab it.
The rules may have changed since Labour's open door policy, and a reduction in immigration may be essential to reduce housing pressure.
House inflation long term generally tracks general inflation. That is your wages will (eventually) catch up with house prices. The ups and downs do sort themselves out. Save what you can and be patient.
Thanks for the information on tables, however wage inflation is my other beef with the governments of the last two decades, for a lot of us there has been no real wage rises. In 2002 I looked for work, average wage on offer was 38 to 42k in job adverts, same in 2007, and the same in 2014.
The wages for what I do hasn't increased in any particular terms for 12 years, house prices and everything else has however. This is also bear in mind a profession which we keep getting told we have a skill shortage for, not sure what the wages for a profession that doesnt have a shortage are like
PS your grasp of how the sea is divided up in international law is a bit hazy.
I'm afraid you're very wrong about that. I'd suggest the following:
1) go here and mug up a bit: http://www.eurocean.org/np4/80.html 2) realise that there's a 200-mile Danish EEZ around the Faroe Islands 3) after doing 1-2, look at this map: https://twitter.com/islandsref/status/454580981672857600/photo/1 4) understand that it's hooey to say that if Shetland stayed in the UK and outside of an indy Scotland then Scotland would get all the oil - absolute hooey which the SNP cybernats are spreading about but which Alex Salmond wouldn't dare say in public because everyone who knows about international law would start treating him as if he'd forgotten his deodorant
Comments
Have a look at the “Viking-gate” scandal that the SNP are trying to suppress. He is alleged to have spoken about Shetlanders with what can only be called racist contempt.
http://www.shetlink.com/index.php?/topic/8548-snp-leaders-try-to-squash-shetland-petition-and-viking-gate-scandal/
Remember that an indy Scotland would lose 67% of its oil if it didn't get Shetland. Salmond and the SNP could be toast.
A) I am very far off the statist left, point to me where I ever asked the government to give people anything. I just want them to stop protecting the house values of people like you. Which is what they have done over the years with planning restrictions, relaxation of immigration controls and allowing you to put your property portfolio into pension vehicles.
Those on average wage can't save their entire pay is spent every month just to live day to day this is why the government ends up having to give them tax credits and housing benefit otherwise they couldn't even afford to rent.
If they hadn't propped up house prices rents would not have risen so much either so we wouldn't need tax credits and housing benefit either
The only ones with a massive sense of entitlement is the homeowner who expects the government to protect his "investment"
Depends on your definition of "socialism"?
I am an ultra communist, but pragmatic enough to know it won't work, and also the reasons why.
Unfortunately the right wing tends to be far more dogmatic and blinkered about their own "ideals"
"Maggie defeated communism!". "And this proves that capitalism is the one true way!"
Wrong on both counts, however you would be as well trying to explain quantum physics to a lab mouse, as explaining this to them.
(It is fun however, watching them wriggle and squirm when you push the hook into their nematode like bodies)
Indeed, those latter areas may have now become unaffordable in the past six months: I know that auction prices in those areas have gone upward fast in those areas since October 2013, surprising even the estate agents.
The normal auction price to sales price ratio is 1.1 to 1.2: the guide price is ~10% less than what the auctioneer thinks it will sell for at auction, and 20% lower than what it would sell for on the open market. But auctions in the abovementioned areas have since October registered ratios of 1.5, 1.8, 2.0... This is a good forward indicator of price increases.
So. In many areas it's not impossible to do what you say. And things should be difficult for Da Yout': instals discipline and reassures them that they can marshal resources to overcome problems. But there is a difference between difficult and impossible and in many areas in the South East it is impossible without parental help. And the trend is in the wrong direction.
PS your grasp of how the sea is divided up in international law is a bit hazy.
I am on well above average wage on 40k currently and I rent.
by the time I have paid rent bills, travel to work etc I have 600£ left a month expendable which I need to buy food from as well
assume I do bare minimum shopping and save all of the rest so lets call it I spend 120 a month on food leaving 480£ to save.(This means I do not goto a pub, smoke, goto a cinema or anything else that costs money)
Assume further that I get a 2% pay increase
In my area a cheap one bedroom flat costs 185000 (note I live in a really cheap area of the south east anyway so moving somewhere cheaper isnt really on the cards)
I can get 4 x my wage as a mortgage or 160k meaning I need to save 25k for deposit
house price inflation in my area is running at 7.3% so lets look where saving gets me
year-----salary-----total saved------mortgage possible-----flat price-----deposit
1--------40000------5400-------------160000----------------185000---------25000
2--------40800------9908-------------163200----------------198505---------35305
3--------41616------15526------------166464----------------212996---------46532
Dont think I need to fill in more really to prove my point after saving hard for that flat where I initially only needed 25k deposit I now only need to raise another 31k to be able to buy that flat.
As long as house price inflation continues as it is I have no chance and people saying "oh just work hard and save" just comes across as total ignorance. Now I am on a pretty good wage compared to most people in this country. Imagine therefore what its like for those one average wage or below before you mouth off platitudes about "work on a bit this isnt cricket"
*editted to try and improve formatting
Use <pre> </pre> codes to produce a fixed format table, it forces characters and spaces to the same width. House inflation long term generally tracks general inflation. That is your wages will (eventually) catch up with house prices. The ups and downs do sort themselves out. Save what you can and be patient.
The current prices are stupid. Beyond stupid. But it cannot last, whether through reduction in prices, or a weak market, or wage inflation, you will get your moment. Grab it.
The rules may have changed since Labour's open door policy, and a reduction in immigration may be essential to reduce housing pressure.
The wages for what I do hasn't increased in any particular terms for 12 years, house prices and everything else has however. This is also bear in mind a profession which we keep getting told we have a skill shortage for, not sure what the wages for a profession that doesnt have a shortage are like
1) go here and mug up a bit: http://www.eurocean.org/np4/80.html
2) realise that there's a 200-mile Danish EEZ around the Faroe Islands
3) after doing 1-2, look at this map: https://twitter.com/islandsref/status/454580981672857600/photo/1
4) understand that it's hooey to say that if Shetland stayed in the UK and outside of an indy Scotland then Scotland would get all the oil - absolute hooey which the SNP cybernats are spreading about but which Alex Salmond wouldn't dare say in public because everyone who knows about international law would start treating him as if he'd forgotten his deodorant