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Wight Flight

The GREAT BIG General election thread

At the GE I'll probably vote for...  

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  1. 1. At the GE I'll probably vote for...



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6 minutes ago, TheBlueCat said:

That’s me for sure. No mortgage and would be happy to see prices fall. In a few years, I’ll downsize and give any cash freed up to my kids so they can buy something. 

But if prices fall, the amount that you will be able to free up for your kids will also fall? 

Tricky balancing act, given how percentages work?

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5 hours ago, Hopeful said:

AST for 36 years, current AST has been 25 years

If you live in England it is not legally possible for you to have been on ASTs since 1983 as ASTs were first created in English law in 1989 by the Housing Act 1988. Between 1989 and 1997 the default tenancy was an assured tenancy unless the landlord specified in the contract that this would be for an assured shorthold tenancy.

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4 minutes ago, Darude said:

If you live in England it is not legally possible for you to have been on ASTs since 1983 as ASTs were first created in English law in 1989 by the Housing Act 1988. Between 1989 and 1997 the default tenancy was an assured tenancy unless the landlord specified in the contract that this would be for an assured shorthold tenancy.

For the first 11 years I lived out of a suitcase in various private short-term rentals, often a room in someone's house (for the first 6 years I moved to and from the UK and the US with work). The current one is, I'm sure, an AST, and taken on in 1994 so it must have been specified ?? I'm pretty sure that is what the contract said and I've never seen it or signed it again (do you have to renew). The deposit was £120, I remember that, but I'm sure it won't be in the protection scheme xD Landlord has never been in the property since I moved in, his wife has, she came round to inspect the new, but very budget, kitchen after it was put in about 6 years ago.

 

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8 minutes ago, Hopeful said:

The deposit was £120, I remember that, but I'm sure it won't be in the protection scheme xD

This could work in your favour one day, I don't think you can be evicted under S21 if your deposit hasn't been protected. Anyway sounds like you are in an interesting situation, might be worth you talking to a solicitor who specialises in housing at some point to understand it better. Knowledge is power and all that.

Edited by Darude

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19 minutes ago, Darude said:

This could work in your favour one day, I don't think you can be evicted under S21 if your deposit hasn't been protected. Anyway sounds like you are in an interesting situation, might be worth you talking to a solicitor who specialises in housing at some point to understand it better. Knowledge is power and all that.

If the landlord cuts up rough maybe. But I'm also sure the landlord is probably on top of things that matter. He has enough money to solve any problems. We won't stay in the rental forever, it's unsuitable for old people, too cold and damp - I'll cross that bridge (what to do next) when I come to it.

Edited by Hopeful

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1 hour ago, Wight Flight said:

You do realise that I don't own a house, and, despite earning a good wedge, it is very unlikely that I could buy one?

I hope I don't make old age. Some cunt of a landlord deciding that he wants to tell me and Mrs Flight that, at 78, we have 2 months to move out, is not an attractive prospect.

 

 

 

I bought a little more than 2 years ago. In the previous 2 years I had to relocate my family twice with minimal notice (2 months) when our ‘long term’ landlords decided that landlording was no longer in their interest. My elder children are now doing GCSEs, and they need stability. I was in the fortunate position to buy on a reasonable LTV and I am working hard to pay off the balance. My eldest may be in the market for a house within 10-12 years. A crash can’t come soon enough for my kids.

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5 minutes ago, Horrified Onlooker said:

I bought a little more than 2 years ago. In the previous 2 years I had to relocate my family twice with minimal notice (2 months) when our ‘long term’ landlords decided that landlording was no longer in their interest. My elder children are now doing GCSEs, and they need stability. I was in the fortunate position to buy on a reasonable LTV and I am working hard to pay off the balance. My eldest may be in the market for a house within 10-12 years. A crash can’t come soon enough for my kids.

Being self employed I couldn't get a mortgage. So I would need to buy cash. Out of taxed income. There is no point even trying.

I buggered up my chance. Hopefully my kids will fare better. But probably not in the UK.

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2 hours ago, Ponty Mython said:

But if prices fall, the amount that you will be able to free up for your kids will also fall? 

Tricky balancing act, given how percentages work?

And so will the cost of what they want to buy. It’s basically cost neutral for me and they’ll end up with smaller mortgages.

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Its crossed my mind this week. Not sure we have looked at it. Forget the news source its one of convienience.

A hung parliment. Now that I think would be difficult. Its not off the cards yet. Note I am not saying its going to happen.

Imagine the issues of a further 5 years of this way of governing.

The UK would be in continued melt down in all aspects.

https://inews.co.uk/opinion/voters-polls-hung-parliament-apathetic-1333819?amp

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1 hour ago, Hopeful said:

If the landlord cuts up rough maybe. But I'm also sure the landlord is probably on top of things that matter. He has enough money to solve any problems. We won't stay in the rental forever, it's unsuitable for old people, too cold and damp - I'll cross that bridge (what to do next) when I come to it.

Thats the problem with renting. You get fed up with living in a hole because the landlord scum cant be arsed to fix anything. If you're happy with that arrangement then thats ok, and this also suits the typical landlord down to the ground, but as you know the vast majority of people dont want that, its nice to be able to decorate, put pictures on the wall etc. Older tenancies are i imagine much less hassle without the typical agent scum visiting every few months to check up.

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25 minutes ago, The Grey Man said:

Its crossed my mind this week. Not sure we have looked at it. Forget the news source its one of convienience.

A hung parliment. Now that I think would be difficult. Its not off the cards yet. Note I am not saying its going to happen.

Imagine the issues of a further 5 years of this way of governing.

The UK would be in continued melt down in all aspects.

https://inews.co.uk/opinion/voters-polls-hung-parliament-apathetic-1333819?amp

I reckon a lot of leave voters wont bother to vote. They know that leave isnt leave, its some tory status quo shit deal. I'm one of them. My only question is do i spoil the paper or vote for the corbyn crash, ill probably decide in the booth.

 

BTW Can we have another poll, it will be interesting to see if the opinion has changed after the BXP standing down and resignations etc, ta

@spunko

 

Edited by Green Devil

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2 minutes ago, Green Devil said:

Thats the problem with renting. You get fed up with living in a hole because the landlord scum cant be arsed to fix anything. If you're happy with that arrangement then thats ok, and this also suits the typical landlord down to the ground, but as you know the vast majority of people dont want that, its nice to be able to decorate, put pictures on the wall etc. Older tenancies are i imagine much less hassle without the typical agent scum visiting every few months to check up.

Yep. Ur right. I gave up. I lived in a shit hole. It started to affect my marriage. Just too.concerned about being evicted etc.

We managed to move after getting the money for a deposit. Not sure I am up to date with the house..I know I am not..but can do stuff without asking permission, asking how high to jump.

43. I was 43 before escaping it. Earned more...even with inflation than my father did in many years. 43.

Cunts.

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51 minutes ago, Green Devil said:

Thats the problem with renting. You get fed up with living in a hole because the landlord scum cant be arsed to fix anything. If you're happy with that arrangement then thats ok, and this also suits the typical landlord down to the ground, but as you know the vast majority of people dont want that, its nice to be able to decorate, put pictures on the wall etc. Older tenancies are i imagine much less hassle without the typical agent scum visiting every few months to check up.

The number of holes I've put into the walls (we have lots of pictures on the walls) does worry me for when I leave, but I also know that my deposit was only £120 so I'll just walk out.  We fix anything that needs fixing and knock it off the rent, new cooker, new immersion etc and for building work the landlord gives all tenants a list of self-employed trades and we call them direct and they send him the bill. Landlord wants minimum hassle. Houses now don't mean anything to me and the outdoors has always mattered much more. The only thing I'd change is to put in new carpets as they are threadbear (rotted is a better description), but as I don't know how long I'm staying here is it worth it............. xD and besides if I put in new carpets, which would be at my expense, I'd feel I needed to take my muddy wellies off before walking through the house; mind you that might please the GF who get's mightily pissed especially just after she has hoovered. the most important thing about the house is the kitchen. It has a worksurface, fridge, three freezers, cooker and sink and in reality, that's all that is needed to turn out mighty fine meals, we live like kings.

Edited by Hopeful

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1 minute ago, Hopeful said:

The number of holes I've put into the walls (we have lots of pictures on the walls) does worry me for when I leave, but I also know that my deposit was only £120 so I'll just walk out.  We fix anything that needs fixing and knock it off the rent, new cooker, new immersion etc and for building work the landlord gives all tenants a list of self-employed trades and we call them direct and they send him the bill. Landlord wants minimum hassle. Houses don't mean anything to me, the out doors matters much more. The only thing I'd change is to put in new carpets as they are threadbear (rotted is a better description), but as I don't know how long I'm staying here is it worth it............. xD and besides if I put in new carpets, which would be at my expense, I'd feel I needed to take my muddy wellies off before walking through the house; mind you that might please the GF who get's mightily pissed especially just after she has hoovered. the most important thing about the house is the kitchen. It has a worksurface, fridge, three freezers, cooker and sink and in reality, that's all that is needed to turn out mighty fine meals, we live like kings.

Are there pictures of before and after in possession of the landlord?  

If not, GTFO to him/her.

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44 minutes ago, wherebee said:

Are there pictures of before and after in possession of the landlord?  

If not, GTFO to him/her.

Landlord always fully redecorates when a tenant leaves, so all walls were holeless when I moved in. Landlord never takes references and there have been some very interesting neighbours not least because not even the emergency services can find the place. He's had some properties completely tashed. One he refurbed twice in a year, including new kitchens and bathrooms . I'm sure he won't care about the state of the interior decor. When the missus came to look at the new kitchen she commented, in all seriousness, upon how nice all the pictures looked :-)

Edited by Hopeful

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Labour have a manifesto for small business today ...

https://www.bbc.co.uk/news/election-2019-50681311

Labour is promising to base a network of small business advisers in Post Office branches if it wins next Thursday's general election.

The party says the advisers would form part of a wider agency to help firms access advice and bid for government contracts.

The party says it would also help small firms by replacing business rates with a tax based on land value.

But the Conservatives said Labour would bring higher taxes and uncertainty.

The Tories have pledged to reduce business rates for smaller firms, and give them a bigger discount on National Insurance payments.

Labour's shadow business secretary Rebecca Long-Bailey said smaller companies are "being stretched to breaking point by global corporations which evade their taxes and fail to pay their suppliers on time".

"Labour wants business support and finance to be available for entrepreneurs from the moment the seed of an idea is planted," she said.

"Labour's Business Development Agency will create thriving businesses within our communities, bringing life back to local economies."

I had the misfortune to sit on a group being advised by what was called Business Link.

Jesus. It was painful. Borrow as much money and win business. No concept of capital employed andthe cost of employing people.

As well as millions of hidden workers not being given a chance, the UK appears to have millions of hidden business geniuses

 

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8 minutes ago, spygirl said:

Labour have a manifesto for small business today ...

https://www.bbc.co.uk/news/election-2019-50681311

Labour is promising to base a network of small business advisers in Post Office branches if it wins next Thursday's general election.

The party says the advisers would form part of a wider agency to help firms access advice and bid for government contracts.

The party says it would also help small firms by replacing business rates with a tax based on land value.

But the Conservatives said Labour would bring higher taxes and uncertainty.

The Tories have pledged to reduce business rates for smaller firms, and give them a bigger discount on National Insurance payments.

Labour's shadow business secretary Rebecca Long-Bailey said smaller companies are "being stretched to breaking point by global corporations which evade their taxes and fail to pay their suppliers on time".

"Labour wants business support and finance to be available for entrepreneurs from the moment the seed of an idea is planted," she said.

"Labour's Business Development Agency will create thriving businesses within our communities, bringing life back to local economies."

I had the misfortune to sit on a group being advised by what was called Business Link.

Jesus. It was painful. Borrow as much money and win business. No concept of capital employed andthe cost of employing people.

As well as millions of hidden workers not being given a chance, the UK appears to have millions of hidden business geniuses

 

or cashflow.  Imagine a labour government backed business adviser accreditation course. LOL

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11 hours ago, Hopeful said:

I must say, that in hindsight, I look upon being priced out favourably. It saved me being in anyway materialistic about houses.

For the first 10 years when I was priced out I was frustrated as owning a home house was in the psyche. Then, as renting became the norm I never developed 'housepride', for which I'm now very grateful.

But not many people would live like I do. The only downside is that some people like to see me as a 'failure' for not owning a house or being chained to one and look down their nose at me, but that is their problem, house ownership is their choice and I think their attitude more reflects a degree of envy.

When it has come up at work I have said that I would prefer to rent and if we had rental laws like Germany then I would still be so doing.

I don't regard a house as a good investment as its only return is the saving in rent which happens with the smallest house and doesn't then increase; beyond that the investment makes no return and simply attracts bigger maintenance and heating bills.

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17 hours ago, Tdog said:

Yes i know Labour inflated the bubble, then bailed it out. Seems you wish to debate what happened 10 years ago and wholly ignore the free market Tory party doing all they can to make things many times worse than what Labour created, but doing so far more blatantly and with taxpayers money.

But the Tory voters on here who make comparisons seem to docile to comprehend that the Tory Party claim to be for "free markets" and their voters like to see themselves as capitalists. Whereas the one saving grace for Labour is they don't make this claim.

Im saying most of you who came over from HPC already owned houses and have no skin in the game. That website was a farce.

The thing i'd like most of all this election, is for every MP and their families to get aids and die, it'd be a good start. More chance of that than a decent government.

 

You believe your conspiracy, i dont. no point arguing either way.

Not me i could buy tomorrow mortgage free but choose not to 

No party will willing crash the housing market that is my point both parties are guilty as the next and i think steptoe in power causing economic chaos is one of those things that one should be very careful about what you wish for ,

The bottom of the housing market in my neck of the woods (2011ish) came with hash employment opportunities at that point in time i would have bought but it was not possible even with a 50%+ deposit as my employment was too hit and miss to secure a mortgage 

My biggest fear now is another 2008 financial crisis as it will be as much about bail in`s as outs this time around the ground work has already been done to facilitate this 

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34 minutes ago, spygirl said:

Radio.

Manfield/midlands.

... talking to an ex miner .... striked during the mid 80s ... working as a factory supervisor ..... will vote Con for the first time ...

 

The same sort of demographic i work with day in day out not one of them has a good word to say about steptoe&co

I also work with an ex teacher that has just changed career he`s gob smacked by the hatred for Labour to the point of disbelief 

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1 hour ago, spygirl said:

Labour have a manifesto for small business today ...

https://www.bbc.co.uk/news/election-2019-50681311

Labour is promising to base a network of small business advisers in Post Office branches if it wins next Thursday's general election.

The party says the advisers would form part of a wider agency to help firms access advice and bid for government contracts.

The party says it would also help small firms by replacing business rates with a tax based on land value.

But the Conservatives said Labour would bring higher taxes and uncertainty.

The Tories have pledged to reduce business rates for smaller firms, and give them a bigger discount on National Insurance payments.

Labour's shadow business secretary Rebecca Long-Bailey said smaller companies are "being stretched to breaking point by global corporations which evade their taxes and fail to pay their suppliers on time".

"Labour wants business support and finance to be available for entrepreneurs from the moment the seed of an idea is planted," she said.

"Labour's Business Development Agency will create thriving businesses within our communities, bringing life back to local economies."

I had the misfortune to sit on a group being advised by what was called Business Link.

Jesus. It was painful. Borrow as much money and win business. No concept of capital employed andthe cost of employing people.

As well as millions of hidden workers not being given a chance, the UK appears to have millions of hidden business geniuses

 

what sort of numpty would they have working out of a post office advising entrepreneurs ? 

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1 minute ago, ashestoashes said:

what sort of numpty would they have working out of a post office advising entrepreneurs ? 

Same ones they had working out of Business Links - some ex public sector type, retired off in their 50s.

Noone who's worked 5+ years in any public sector role is fit to offer  advice to private sector business.

Its like getting Eskimos to farm pineapples.

 

 

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