A Political Thread pt. 2

[ncurd]

Problem is that's a 70k flat in Cardiff. My daughter would need 320k minimum for a flat near me. Finding 10% of that whilst bringing up a child on her own is nearly impossible.

I find it amusing how my personal circumstances are misleading. 217K for a 2 bedroom house. Said house merely 6 years later is worth 269K (house on same streer was only innthe market for 2 weeks). This is supposed to be house for first time buyers not people in their late 30's to early 40's and there are no young couples around here.

In equal measure just for the generational gap my Dad is only 24 years older than me. By 26 he had 2 kids and owned a large 3 bedroom home. We're similarly educated (actually went to the same University/Polytechnic) and we both work in engineering (he's a production engineer whilst I'm software) our spouses both worked similar levels of working class jobs. Infact my mother was able to work part time.

Just to also note on this heavy amount of borrowing interest rates make a massive difference on affordability. 6 years ago 2.1% now it's looks like 4.3% is about average and when I had to reup my fixed rate last year it was closer to 6....

 

[Yulia]

Problem is, he's right.

Noone who is rude,insults his/her opponent with an obscene language, can be right. It's a low level of a cultural communication.

 

[dirty harry]

Plus the fact that mortgages are still locked at 4.5x salary,
So even with a 10% deposit you'd need a £64k salary, and median salary in the UK is £37k

I think the issues facing first time buyers are completely misunderstood (being generous)/ignored by a lot of people - I remember when they started building a new estate where I live and laughing at the audacity of them selling a 2 bed mid terrace, with no parking, for 190k
The latest phase of new developments here has the same style of house starting from 280k
And when you look at flats they have so many extra charges - I was looking at a flat in Birmingham the other week, really liked it, asked about service charges....£3400 a year. No concierge, no lift, no gym, no garden area, no nothing. Just an extra £280 a month for the odd lightbulb change in the corridors.
I'd be wanting all of the above and a pool for that much.

Housing is just completely out of control in this country

Although housing is out of control, it's taken me 30 seconds to find a 2 bed house for 150k in Birmingham, and in fact 2 beds within 5 miles of Birmingham appear less than 150k...

Indact 1 and 2 bed flats without service charges range from 90k.

One person would not require 64k a year salary, 25k per year, and 10k deposit gets you on the housing ladder pretty Comfortably

 

[dirty harry]

Noone who is rude,insults his/her opponent with an obscene language, can be right. It's a low level of a cultural communication.

You don't understand...

Anyone who disagrees with the 'good team' is wrong, and therefore because of how wrong they are the treatment of them can be justified!

Evil is evil right!

 

[Ragey Erasmus]

Plus the fact that mortgages are still locked at 4.5x salary,
So even with a 10% deposit you'd need a £64k salary, and median salary in the UK is £37k

I think the issues facing first time buyers are completely misunderstood (being generous)/ignored by a lot of people - I remember when they started building a new estate where I live and laughing at the audacity of them selling a 2 bed mid terrace, with no parking, for 190k
The latest phase of new developments here has the same style of house starting from 280k
And when you look at flats they have so many extra charges - I was looking at a flat in Birmingham the other week, really liked it, asked about service charges....£3400 a year. No concierge, no lift, no gym, no garden area, no nothing. Just an extra £280 a month for the odd lightbulb change in the corridors.
I'd be wanting all of the above and a pool for that much.

Housing is just completely out of control in this country

I live in a flat in the Birmingham area. Service charge is £143 per month. There is a stain on the floor in the main entrance where egg was dropped there that nobody attempted to clean ever. The main gate was broken for nearly half a year and we had no working intercom for the gate or the flats for 1.5 years. There is no visitor parking and the parking bays have only had basic maintenance carried out on them once.

It's a disgrace, I'm never living in a flat again.

 

[ncurd]

Although housing is out of control, it's taken me 30 seconds to find a 2 bed house for 150k in Birmingham, and in fact 2 beds within 5 miles of Birmingham appear less than 150k...

Indact 1 and 2 bed flats without service charges range from 90k.

One person would not require 64k a year salary, 25k per year, and 10k deposit gets you on the housing ladder pretty Comfortably

Yeah now look at the area and surrounding circumstances. You can buy some pretty nice houses in the center of town here for a decent price.

Problem is it floods every 5 or so years.

 

[dirty harry]

I live in a flat in the Birmingham area. Service charge is £143 per month. There is a stain on the floor in the main entrance where egg was dropped there that nobody attempted to clean ever. The main gate was broken for nearly half a year and we had no working intercom for the gate or the flats for 1.5 years. There is no visitor parking and the parking bays have only had basic maintenance carried out on them once.

It's a disgrace, I'm never living in a flat again.

Why would you just not clean the egg stain up?!

 

[dirty harry]

Yeah now look at the area and surrounding circumstances. You can buy some pretty nice houses in the center of town here for a decent price.

Problem is it floods every 5 or so years.

That's my point, millennial and Boomers made do.

My father was the first in his family to own a home, bought a 2 bed for 25k, and when he passed it was worth 120k 20 years later. He still owed 16k on it at that time lol.

He moved 8 miles out of the city to buy that, in a shitty area.

If today's generation do the same things are affordable, not ideal but afordable

 

[Ragey Erasmus]

Why would you just not clean the egg stain up?!

Because I didn't make it, it was in a communal area and I pay money each month towards cleaning that clearly isn't being done.

In fact the egg stain was made by a problem neighbour who decided to try smashing one into my letterbox in the hallway. Like **** am I not only going to pay for a cleaning service but then also clean up mess made by someone else that was targeted at me.

 

[dirty harry]

Because I didn't make it, it was in a communal area and I pay money each month towards cleaning that clearly isn't being done.

And the fact everyone you live with thinks the same, and refuses to contribute, means where you live is a disgrace.

Take the high moral ground all you like, but accept your conditions are of your own choosing.

 

[Ragey Erasmus]

And the fact everyone you live with thinks the same, and refuses to contribute, means where you live is a disgrace.

Take the high moral ground all you like, but accept your conditions are of your own choosing.

I literally pay for a service that isn't being undertaken and refuse to clean up someone else's mess and you are trying to turn this on me? **** off. I'm saying it's a disgrace I pay a stupid amount for a service charge and get nothing for it.

Whether I clean it up or not makes no difference, I'm paying for a service that isn't being done.

 

[ncurd]

Man I wish I had this financial advice when I was 24

 

[AlRums]

Israel Retracts Claim Of Killed Gaza Medics After Footage Contradicts It

The military first said it shot 15 Palestinian medics because their vans didn't have emergency signals on. New video shows the vehicles clearly marked.

www.huffpost.com

 

[AlRums]

Row as Badenoch backs Israel barring two UK MPs

Abtisam Mohamed and Yuan Yang say they were "astounded" to be denied entry to the country while on a trip to visit the West Bank.

www.bbc.co.uk

 

[AlRums]

Trump tariffs latest: Trump threatens extra 50% tariff on China unless it drops retaliatory levy

Turmoil caused by Donald Trump's tariffs continues - but the president urges people not to be "weak" or "stupid".

www.bbc.co.uk

 

[General Melchett]

Why would you just not clean the egg stain up?!

Wouldn't this just embolden the culprit and condition everyone in the building into thinking that either the cleaning company are doing their job or there is a mug living in the building who is willing to clean up other people's mess?

Tbh, this sort of thing probably happens in most shared buildings. The last place I lived at in London had shared bins/recycling lock-up. As soon as the bins got emptied certain people would fill them up with massive cardboard boxes/packaging with ZERO attempt made to flatten them meaning the bins were constantly overflowing. This meant that someone had to pull out other people's manky boxes (some of which would invariably become soggy due to food waste being dumped in the cardboard recycling bin) & flatten them to create space or you had to store boxes in your own flat for a week because the recycling bins were always full. Someone put up a polite notice that made zero difference and I even heard one neighbour refer to them as the bin police. I like living in a free and liberal society but it has it's downsides and allows selfish entitled ******** with no sense of community or neighbourly spirit to flourish with no repercussions.

 

[General Melchett]

So Netanyahu is back in the Whitehouse later today for a second visit since Trump returned to power. I wonder what the chances are of a staged 'We reached a deal on tariffs' with Trump framing it as a policy win and now other countries have to follow Israel's lead.

Maybe Trump sees Netanyahu as his Lukashenko equivalent. You see world - I do have a friend and not everyone hates me. Oooh friend.

 

[McTallshort]

Noone who is rude,insults his/her opponent with an obscene language, can be right. It's a low level of a cultural communication.

Two things: dirtyharry isn't an opponent, I don't have opponents outside of sport.

Second: he comes on and insults everyone, mocking their reasoning, laughs at their discomfort (often on discussions of Rape) while claiming to be the only genius on the forum without ever offering and source material to back it up. He then plays the victim when people call him out in it.

I'm sure there is a word for that kind of behaviour and mindset but it does remind me of the kid at school who would go round upsetting everyone then going crying to a teacher when someone does it him.

 

[dirty harry]

Two things: dirtyharry isn't an opponent, I don't have opponents outside of sport.

Second: he comes on and insults everyone, mocking their reasoning, laughs at their discomfort (often on discussions of Rape) while claiming to be the only genius on the forum without ever offering and source material to back it up. He then plays the victim when people call him out in it.

I'm sure there is a word for that kind of behaviour and mindset but it does remind me of the kid at school who would go round upsetting everyone then going crying to a teacher when someone does it him.

So let me get this straight, I'm the big bad monster who laughs at rape, and at the same time the victimised bullied kid who runs to the teacher?

Hahahahaha you are comedy gold.

 

[dirty harry]

Wouldn't this just embolden the culprit and condition everyone in the building into thinking that either the cleaning company are doing their job or there is a mug living in the building who is willing to clean up other people's mess?

Tbh, this sort of thing probably happens in most shared buildings. The last place I lived at in London had shared bins/recycling lock-up. As soon as the bins got emptied certain people would fill them up with massive cardboard boxes/packaging with ZERO attempt made to flatten them meaning the bins were constantly overflowing. This meant that someone had to pull out other people's manky boxes (some of which would invariably become soggy due to food waste being dumped in the cardboard recycling bin) & flatten them to create space or you had to store boxes in your own flat for a week because the recycling bins were always full. Someone put up a polite notice that made zero difference and I even heard one neighbour refer to them as the bin police. I like living in a free and liberal society but it has it's downsides and allows selfish entitled ******** with no sense of community or neighbourly spirit to flourish with no repercussions.

Embolden the monster who dropped an egg while bringing in their shopping?!

This is what I mean, the same thinking that derives people like Ragey to read a comment online, infer intent and sceam nazi, is the same when he sees a broken egg on the floor and decides it's a hate crime.

The only times I've lived blocks like this I feel like I was pretty courteous, I'd help people with the bins, de frost their car when doing my own, and shovel the path, all while paying maintenance on the building. I also held that maintenance company to a decent standard by playing Karen a few times lol.

Take yesterday, the park by me is riddled with litter, gas cannisters, cider cans etc... I spent 20 mins popping the litter in a bin. I didn't rant and rave about how I'm Emboldening others poor behaviour.

Life just feels better when these small things don't become large issues for you. Like Trump's tariffs, I can't effect what he does next, but I can keep reacting to the markets and averaging money in as the prices go down, so when they return to ATHs I'll have made a few thousand. My goal is for Trump to pay for my lions tour (missus allowing).