politicalbetting.com » Blog Archive » Budgeting for a crisis
Comments
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Yes, we got same message. But I think they’re trying to keep schools open as a favour to parents more than anything. And I think a lot of people now send kids in out of a sense of obligation, not because they need to. So let’s make it optional!FeersumEnjineeya said:
My lad's school is telling me to send him in unless he shows any sign of illness.AlanS said:(Long time lurker resurfacing)
Re school closures, surely the approach is to make attendance optional. We kept our kid at home lately to help with social distancing. Not a big problem as wife and I can WFH, and we even have granny doing lessons over Skype. But I get that this is difficult for many people.
So just say please keep children at home if you can, and we will provide homework packs. But send to school if you need to.1 -
Any individually-directed policies on incomes ?0
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Ooooo.AramintaMoonbeamQC said:Hose us with cash, Rishi.
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Blanket power to be taken by the Chancellor in a bill to do "whatever he deems necessary"0
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Bloo-dy-hell0
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Peston LOL3
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Is it loans or handouts?RobD said:0 -
Yes, I think this is the time of unprecedented opportunities for fiscal and monetary policies. Any chancellor should cherish such an occasion.Philip_Thompson said:0 -
Something far wrong with you if you cannot amuse yourself for 3 days.felix said:
I live in a beautiful and very quiet part of Spain. After just 3 days I'm aching for the lockdown to end and am generally law-abiding and compliant. Believe me I am used to things being very quiet and staying in - but this is awful.YBarddCwsc said:
I predict the very people agitating for `Lockdown Now' will -- after 6 weeks in a house with their cooped-up children -- be the ones agitating for `End to House Arrest'.spire2 said:The lockdown will not last as long as many anticipate. Once new cases start dropping theres going to be huge pressure on the government from business to relax restrictions.Also so many people are psychologically unable to survive lack of social contact and will start demanding reopening of bars, restaurants etc.
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In any case, all you have to do is say one person in the household has symptoms and they will order you not to come in for 7 days. Nobody is currently checking on the veracity of such statements.AlanS said:
Yes, we got same message. But I think they’re trying to keep schools open as a favour to parents more than anything. And I think a lot of people now send kids in out of a sense of obligation, not because they need to. So let’s make it optional!FeersumEnjineeya said:
My lad's school is telling me to send him in unless he shows any sign of illness.AlanS said:(Long time lurker resurfacing)
Re school closures, surely the approach is to make attendance optional. We kept our kid at home lately to help with social distancing. Not a big problem as wife and I can WFH, and we even have granny doing lessons over Skype. But I get that this is difficult for many people.
So just say please keep children at home if you can, and we will provide homework packs. But send to school if you need to.
Of course, if you did get caught you might be in trouble because keeping up these home learning larks is causing a huge amount of extra work.0 -
Government says insurance claims will be able to be made and cash grants of £25 000 per business through the period and extension of business rate holiday for rerail, hospitality sector for 12 months and a cash grant if retail value of less than £51 0000
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It costs them absolutely nothing other than a few bales of paper.Luckyguy1983 said:
Hopefully the minimum it needs to. I know Laissez Faire economics is about as popular as a dose of cat aids at the moment, but genuinely the economies that will recover faster will be the ones that let as much of the economy do what the economy does as possible.Pagan2 said:America saying they are going to mail cheques out to american people....whats our government doing?
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Peston is a joke 😂0
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And a bunch of cash grants, which sound like money with no strings attached.matthiasfromhamburg said:0 -
Over a third of the kids on my wife's class are absent today...ydoethur said:
In any case, all you have to do is say one person in the household has symptoms and they will order you not to come in for 7 days. Nobody is currently checking on the veracity of such statements.AlanS said:
Yes, we got same message. But I think they’re trying to keep schools open as a favour to parents more than anything. And I think a lot of people now send kids in out of a sense of obligation, not because they need to. So let’s make it optional!FeersumEnjineeya said:
My lad's school is telling me to send him in unless he shows any sign of illness.AlanS said:(Long time lurker resurfacing)
Re school closures, surely the approach is to make attendance optional. We kept our kid at home lately to help with social distancing. Not a big problem as wife and I can WFH, and we even have granny doing lessons over Skype. But I get that this is difficult for many people.
So just say please keep children at home if you can, and we will provide homework packs. But send to school if you need to.
Of course, if you did get caught you might be in trouble because keeping up these home learning larks is causing a huge amount of extra work.0 -
How many times has he said "whatever it takes" today?0
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It's the new "get it done".Philip_Thompson said:How many times has he said "whatever it takes" today?
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Bloo-dy-hell x21
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3 month mortgage holiday for those in difficulty0
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More coming in further days too.0
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I heard something about mortgages. I didn’t hear anything about renters. Did I miss it, or was it not there?0
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What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
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Brewery has advised owners of a bar that a 3 month shutdown coming soon0
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Nothing announced.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
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This looks very impressive.3
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Mortgage holiday still means that interest will be accruing, I assume.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
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So, Peston wrong again. And he was the one talking about "house arrest for the over 70s" over the weekend as well.
Some journalists are just irresponsible.
For example, the Lombardy lockdown was printed in the Italian press before the politicians could announce it. Thus leading to the panickers fleeing,
In my opinion, journalists like Peston are just hugely, fantastically, querulously irresponsible.
The Chinese would just ensure he disappeared.
I certainly wish we could hear a lot less from him.3 -
Powerful by Sunak. My only criticism is that renters weren't mentioned, that's as important as mortgages. I hope the details once published include an answer on that.0
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Peston 100% wrong.
This is a huge package.4 -
But that is exactly what the country needs to hearPhilip_Thompson said:How many times has he said "whatever it takes" today?
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Indeed. Details details but the scale is what we need.AlastairMeeks said:This looks very impressive.
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Employment support ? Now we might be getting somewhere, combined with what sound effectively like very large business grants.0
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It would have been better to ignore people with mortgages and help renters. Most mortgages have options for payment holidays and it’s a bugger to go for possession. Renters, however...and not all of them have landlords as accommodating as TSE.RobD said:
Nothing announced.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
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More important, because more vulnerable.Philip_Thompson said:Powerful by Sunak. My only criticism is that renters weren't mentioned, that's as important as mortgages. I hope the details once published include an answer on that.
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Interest that can be paid later is absolutely piss all compared to rent.Stocky said:
Mortgage holiday still means that interest will be accruing, I assume.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
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If renters aren't getting relief whilst mortgage holders are then there Wil be socially distanced riots.0
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Too much possibility for fraud? People pretending that their partner, parents are landlords etc.?Philip_Thompson said:Powerful by Sunak. My only criticism is that renters weren't mentioned, that's as important as mortgages. I hope the details once published include an answer on that.
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Well hopefully you weren't doing it anywhere in the vicinity of my mother, or we could be related.ydoethur said:
Nothing wrong with 1983. For some of us, it was a truly fabulous year. I did a great many things for the first time in 1983, which all contributed greatly to making me the well-rounded, sophisticated and totally loveable individual I am now.Benpointer said:
Does the 1983 in your username refer to the year you are stuck in?Luckyguy1983 said:
Hopefully the minimum it needs to. I know Laissez Faire economics is about as popular as a dose of cat aids at the moment, but genuinely the economies that will recover faster will be the ones that let as much of the economy do what the economy does as possible.Pagan2 said:America saying they are going to mail cheques out to american people....whats our government doing?
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The first things I did included breathing and eating.Luckyguy1983 said:
Well hopefully you weren't doing it anywhere in the vicinity of my mother, or we could be related.ydoethur said:
Nothing wrong with 1983. For some of us, it was a truly fabulous year. I did a great many things for the first time in 1983, which all contributed greatly to making me the well-rounded, sophisticated and totally loveable individual I am now.Benpointer said:
Does the 1983 in your username refer to the year you are stuck in?Luckyguy1983 said:
Hopefully the minimum it needs to. I know Laissez Faire economics is about as popular as a dose of cat aids at the moment, but genuinely the economies that will recover faster will be the ones that let as much of the economy do what the economy does as possible.Pagan2 said:America saying they are going to mail cheques out to american people....whats our government doing?
So unless we were twins...1 -
Well he did say this is step one, supporting renters is probably more complicated than mortgages.Philip_Thompson said:Powerful by Sunak. My only criticism is that renters weren't mentioned, that's as important as mortgages. I hope the details once published include an answer on that.
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Yes, but how does the government cover rent without getting it back? Offer loans to tenants?Philip_Thompson said:
Interest that can be paid later is absolutely piss all compared to rent.Stocky said:
Mortgage holiday still means that interest will be accruing, I assume.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
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Indeed, it’s peanutsPhilip_Thompson said:
Interest that can be paid later is absolutely piss all compared to rent.Stocky said:
Mortgage holiday still means that interest will be accruing, I assume.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
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The point is that most mortgages can be deferred.glw said:
Well he did say this is step one, supporting renters is probably more complicated than mortgages.Philip_Thompson said:Powerful by Sunak. My only criticism is that renters weren't mentioned, that's as important as mortgages. I hope the details once published include an answer on that.
Most rents cannot.0 -
This isn't the House of Commons Expenses we're talking about.Stark_Dawning said:
Too much possibility for fraud? People pretending that their partner, parents are landlords etc.?Philip_Thompson said:Powerful by Sunak. My only criticism is that renters weren't mentioned, that's as important as mortgages. I hope the details once published include an answer on that.
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The support package is vast and I hope those opponents who keep attacking HMG finally accept that we must unify over this national crisis3
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Not a very funny one.Philip_Thompson said:Peston is a joke 😂
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Print money.Stocky said:
Yes, but how does the government cover rent without getting it back? Offer loans to tenants?Philip_Thompson said:
Interest that can be paid later is absolutely piss all compared to rent.Stocky said:
Mortgage holiday still means that interest will be accruing, I assume.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
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Memories of the UK suggesting that after WWI.BluestBlue said:
Is it completely beyond the realm of imagination that every country could get together after the crisis and say 'Whatever your national debt is, cut the last two zeroes off it and pretend it never happened'?ydoethur said:
And the world economy spaffed up the wall finally and forever.rcs1000 said:
I'm being cautious.JM1 said:Why do you think it will be as high as 80K deaths? Say we have 20K deaths this wave (high end) I'm curious as to where the 80K comes from...
It's weird this board.
Yesterday evening, I was arguing with @WhisperingOracle and @eadric about whether this was going to be as bad as the World Wars (only with the million plus deaths all the deaths being in one year).
Now we're talking about perhaps 20,000 deaths - or a rather bad flu season.0 -
Dream on Big GBig_G_NorthWales said:The support package is vast and I hope those opponents who keep attacking HMG finally accept that we must unify over this national crisis
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The problem is I don’t think they would, most renters live very hand to mouth. One month behind on the rent is therefore a serious, serious matter.Stocky said:
Yes, but how does the government cover rent without getting it back? Offer loans to tenants?Philip_Thompson said:
Interest that can be paid later is absolutely piss all compared to rent.Stocky said:
Mortgage holiday still means that interest will be accruing, I assume.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
Three months of guaranteed rents, even if not the full amount, for people in isolation would ease things mightily.1 -
Looks as though this is being well received can only sit back and see how it develops.0
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Yes, agreed, but these things are presented as though folk have a free mortgage for a period.Anabobazina said:
Indeed, it’s peanutsPhilip_Thompson said:
Interest that can be paid later is absolutely piss all compared to rent.Stocky said:
Mortgage holiday still means that interest will be accruing, I assume.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
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Isn't Peston being fed hypothetical "ideas" to gauge the reaction? The American expression is "run it up the pole and see if anyone salutes it".YBarddCwsc said:So, Peston wrong again. And he was the one talking about "house arrest for the over 70s" over the weekend as well.
Some journalists are just irresponsible.
For example, the Lombardy lockdown was printed in the Italian press before the politicians could announce it. Thus leading to the panickers fleeing,
In my opinion, journalists like Peston are just hugely, fantastically, querulously irresponsible.
The Chinese would just ensure he disappeared.
I certainly wish we could hear a lot less from him.0 -
In unrelated (partly) news from Iran:
https://twitter.com/AmnestyUK/status/12399650408468357120 -
Not really sure that helps the average paye employee in the least many business will like take the interest free loan and use it to keep the business going while reducing their work force to the minimum. Can't for example see many bar's keeping on barstaff during the interim. Loans should have been tied into safe guarding the workforce too.0
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Yes indeed, hence not creditworthy. The eventual economic damage that is being wrought is yet to reveal itself.ydoethur said:
The problem is I don’t think they would, most renters live very hand to mouth. One month behind on the rent is therefore a serious, serious matter.Stocky said:
Yes, but how does the government cover rent without getting it back? Offer loans to tenants?Philip_Thompson said:
Interest that can be paid later is absolutely piss all compared to rent.Stocky said:
Mortgage holiday still means that interest will be accruing, I assume.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
Three months of guaranteed rents, even if not the full amount, for people in isolation would ease things mightily.0 -
Brown spent too much money in the good times, but he was entirely right to do it in the bad times.kinabalu said:
I didn't.ydoethur said:£330 billion? Fuck me.
And we thought Brown was profligate...
But I trust that people who did think he was do not have the cheek to now laud this.
Because they would look like partisan Tory softheads, wouldn't they?0 -
Short term Housing benefit?ydoethur said:
The point is that most mortgages can be deferred.glw said:
Well he did say this is step one, supporting renters is probably more complicated than mortgages.Philip_Thompson said:Powerful by Sunak. My only criticism is that renters weren't mentioned, that's as important as mortgages. I hope the details once published include an answer on that.
Most rents cannot.0 -
Because they do.Stocky said:
Yes, agreed, but these things are presented as though folk have a free mortgage for a period.Anabobazina said:
Indeed, it’s peanutsPhilip_Thompson said:
Interest that can be paid later is absolutely piss all compared to rent.Stocky said:
Mortgage holiday still means that interest will be accruing, I assume.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
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Is that a riot in my pants?Alistair said:If renters aren't getting relief whilst mortgage holders are then there Wil be socially distanced riots.
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Tell your party leader to stop dangling no deal Brexit over the country's heads as a weapon and you might be heeded.Big_G_NorthWales said:The support package is vast and I hope those opponents who keep attacking HMG finally accept that we must unify over this national crisis
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Sunak is a very impressive speaker, Speaks fast and cogently and doesn't miss a beat.
If I spoke that fast my brain would never catch up and there'd be a swear word every three words.2 -
Maybe and a bit naive but it has to be the way forwardFloater said:
Dream on Big GBig_G_NorthWales said:The support package is vast and I hope those opponents who keep attacking HMG finally accept that we must unify over this national crisis
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Fair play to Boris, he's just taken full responsibility for everything coronavirus related. He's not doing a Trump.1
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This, perhaps (?), goes some way to answering that:ydoethur said:
The problem is I don’t think they would, most renters live very hand to mouth. One month behind on the rent is therefore a serious, serious matter.Stocky said:
Yes, but how does the government cover rent without getting it back? Offer loans to tenants?Philip_Thompson said:
Interest that can be paid later is absolutely piss all compared to rent.Stocky said:
Mortgage holiday still means that interest will be accruing, I assume.Philip_Thompson said:
What about people who rent?HYUFD said:3 month mortgage holiday for those self isolating
Three months of guaranteed rents, even if not the full amount, for people in isolation would ease things mightily.
BBC political editor Laura Kuenssberg asks if firms who need to pay wages now will lose out while the government works through the details of what comes next.
Prime Minister Boris Johnson replies: "The state is asking people to make considerable changes to their lives - only right that the state should stand behind people as they make those changes.
"That is what we are going to do," he adds.0 -
Because Brown faced a similar disaster from 2001 onwards ?.... oh waitkinabalu said:
I didn't.ydoethur said:£330 billion? Fuck me.
And we thought Brown was profligate...
But I trust that people who did think he was do not have the cheek to now laud this.
Because they would look like partisan Tory softheads, wouldn't they?2 -
Possibly.Alphabet_Soup said:
Isn't Peston being fed hypothetical "ideas" to gauge the reaction? The American expression is "run it up the pole and see if anyone salutes it".YBarddCwsc said:So, Peston wrong again. And he was the one talking about "house arrest for the over 70s" over the weekend as well.
Some journalists are just irresponsible.
For example, the Lombardy lockdown was printed in the Italian press before the politicians could announce it. Thus leading to the panickers fleeing,
In my opinion, journalists like Peston are just hugely, fantastically, querulously irresponsible.
The Chinese would just ensure he disappeared.
I certainly wish we could hear a lot less from him.
Or possibly Peston just talks nonstop bollocks.3 -
My pension is underpinned by other people's debt. How about yours?Malmesbury said:
Memories of the UK suggesting that after WWI.BluestBlue said:
Is it completely beyond the realm of imagination that every country could get together after the crisis and say 'Whatever your national debt is, cut the last two zeroes off it and pretend it never happened'?ydoethur said:
And the world economy spaffed up the wall finally and forever.rcs1000 said:
I'm being cautious.JM1 said:Why do you think it will be as high as 80K deaths? Say we have 20K deaths this wave (high end) I'm curious as to where the 80K comes from...
It's weird this board.
Yesterday evening, I was arguing with @WhisperingOracle and @eadric about whether this was going to be as bad as the World Wars (only with the million plus deaths all the deaths being in one year).
Now we're talking about perhaps 20,000 deaths - or a rather bad flu season.0 -
People are still carping even nowBig_G_NorthWales said:
Maybe and a bit naive but it has to be the way forwardFloater said:
Dream on Big GBig_G_NorthWales said:The support package is vast and I hope those opponents who keep attacking HMG finally accept that we must unify over this national crisis
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Phew - Peston was wrong. It didn’t seem possible the government would be as irresponsible as he was suggesting. But this is only the start. A lot more will be required on top. And it will have to be paid for at some stage. That, though, is for another day.2
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Yes, the self-employed and the gig economy will also need more measures, but it's a start.Pagan2 said:Not really sure that helps the average paye employee in the least many business will like take the interest free loan and use it to keep the business going while reducing their work force to the minimum. Can't for example see many bar's keeping on barstaff during the interim. Loans should have been tied into safe guarding the workforce too.
I'm hopeful that the mention of "employment support" might deal with this, and change the economic model for good - but let's see.0 -
I spent 20 minutes of my life today explaining to a fool that the "economy" isn't just money. It is the mechanism that allows us generate stuff (the fool found the word wealth upsetting) so that we can have an NHS, for example. Or fripperies like feeding poor people. Or keeping 90% of the current population alive - in 1700 we had 6.5 million people in an agricultural economy.malcolmg said:
It costs them absolutely nothing other than a few bales of paper.Luckyguy1983 said:
Hopefully the minimum it needs to. I know Laissez Faire economics is about as popular as a dose of cat aids at the moment, but genuinely the economies that will recover faster will be the ones that let as much of the economy do what the economy does as possible.Pagan2 said:America saying they are going to mail cheques out to american people....whats our government doing?
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Like Osborne and Cameron did when branding the impact on public finances of the emergency measures to combat the Global Financial Crash as "Labour's Mess"?Big_G_NorthWales said:The support package is vast and I hope those opponents who keep attacking HMG finally accept that we must unify over this national crisis
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I think Brown was profligate because he blew the budget wide open before the recession.kinabalu said:
I didn't.ydoethur said:£330 billion? Fuck me.
And we thought Brown was profligate...
But I trust that people who did think he was do not have the cheek to now laud this.
Because they would look like partisan Tory softheads, wouldn't they?
Nobody has ever (to my mind) criticised him for a deficit occuring during the recession. Its universally accepted that you spend what you need to during downtimes.
Its the spending too much in the good times that Brown rightly gets criticised for.1 -
I live with my parents, if there was rent relief, would I be entitled to it?0
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Devil is obviously in the detail, and we won't have any of the today.
Plenty of commitments, in principle....0 -
To be fair I think it is a well recognised psychological phenomena. Tell someone they can stay inside for 5 days and they will have no problem with it. Tell them they must stay inside for 5 days and before the first day is out they are going up the wall.malcolmg said:
Something far wrong with you if you cannot amuse yourself for 3 days.felix said:
I live in a beautiful and very quiet part of Spain. After just 3 days I'm aching for the lockdown to end and am generally law-abiding and compliant. Believe me I am used to things being very quiet and staying in - but this is awful.YBarddCwsc said:
I predict the very people agitating for `Lockdown Now' will -- after 6 weeks in a house with their cooped-up children -- be the ones agitating for `End to House Arrest'.spire2 said:The lockdown will not last as long as many anticipate. Once new cases start dropping theres going to be huge pressure on the government from business to relax restrictions.Also so many people are psychologically unable to survive lack of social contact and will start demanding reopening of bars, restaurants etc.
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Labour's mess was blowing the budget wide open before the crisis.kinabalu said:
Like Osborne and Cameron did when branding the impact on public finances of the emergency measures to combat the Global Financial Crash as "Labour's Mess"?Big_G_NorthWales said:The support package is vast and I hope those opponents who keep attacking HMG finally accept that we must unify over this national crisis
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Peston is a very useful contra-indicator.DavidL said:3 -
I was saying the same to my wife. He has come from nowhere to being the obvious replacement to Boris incredibly quickly. Looks and sounds totally on top of his brief.Fenster said:Sunak is a very impressive speaker, Speaks fast and cogently and doesn't miss a beat.
If I spoke that fast my brain would never catch up and there'd be a swear word every three words.4 -
Mention of rents as grants for businesses. Not for people.0
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I do not think Brexit is even in the mix at this time.AlastairMeeks said:
Tell your party leader to stop dangling no deal Brexit over the country's heads as a weapon and you might be heeded.Big_G_NorthWales said:The support package is vast and I hope those opponents who keep attacking HMG finally accept that we must unify over this national crisis
We have left and an agreement with the EU may have to be delayed but we will not rejoin1 -
The people stuff comes tomorrowydoethur said:Mention of rents as grants for businesses. Not for people.
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Well, the first sentence is evergreen. Stopped clocks are right more frequently than Pesto.Anabobazina said:Peston 100% wrong.
This is a huge package.0 -
The Boris Bung - is it enough?
#BorisTheBunger0 -
Because the government has been running a surplus since time immemorial? Give your head a wobble.Philip_Thompson said:
I think Brown was profligate because he blew the budget wide open before the recession.kinabalu said:
I didn't.ydoethur said:£330 billion? Fuck me.
And we thought Brown was profligate...
But I trust that people who did think he was do not have the cheek to now laud this.
Because they would look like partisan Tory softheads, wouldn't they?
Nobody has ever (to my mind) criticised him for a deficit occuring during the recession. Its universally accepted that you spend what you need to during downtimes.
Its the spending too much in the good times that Brown rightly gets criticised for.
Public finances were parlous before the government embarked on a spending spree. That's going to make the current measures still more painful in the longterm. The cost of this will outlive all of us.0 -
We need action for people who rent. Landlords are about to get mortgage relief and their tenants won't get anything.3
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Remember in 2006 when politics was really boring?
Anyway, I must be off. Play nicely (at a safe distance).1 -
Can tell no journalists rent, nobody has asked the question we picked up on about rent v mortgage.0
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This sort of questioning is, for now, irrelevant...
A reporter refers to research saying it could take up to 18 months for things to return to normal and asks Sir Patrick Vallance if he believes this is the case.
He says the current plan, trying to "squash" the spread of the virus, "needs to be done in a way that we can look at releasing it" and seeing if it holds.
They simply don't have the data to give meaningful answers yet.
Far more important is immediate actions on the economy, and to limit the virus in the short term.
Longer term decisions will have to wait.
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Blimey. We’re going to live in a very different world in 12 months time.
Also, do we have a Chancellor who actually understands some of what he’s read?... Wow.2 -
And that is what Mr Yorkshire Tea said....this is only the beginning.SouthamObserver said:Phew - Peston was wrong. It didn’t seem possible the government would be as irresponsible as he was suggesting. But this is only the start. A lot more will be required on top. And it will have to be paid for at some stage. That, though, is for another day.
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