You want a spackfest? Well I've had a bad weekend so.....

[Soul Finger]

We've done the England thing on another thread but I'll tell you something - the proof of how spineless, woeful and inadequate England team is at the moment is more apparent by the day - and I love it.

Sick of the supercilious comments on here by some of the intellectually-challenged bunters who make statements as if they were fact - and that's a fact.

We're all going down the toilet under this government and every one of you pinko-liberals who have crucified unpopular Tory Governments in the last 30 years should hang your head in shame.

Between you, the PC brigade and the holier than thou let's love thy neighbour mob, you have helped create a society encourage highly geared borrowing among the jobless, removed any moral fibre this country has every managed to cling on - and your anti-capitlist stance has turned this economy and this country into a utter compost.

This is the West - for the last 300 years our society has been a capitalist economy - and now you will have us sitting under a cardbox box eating bamboo shoots with all the other herberts and hippies and low-lifes who scrounge, steal and malinger.

INcapacity benefit?? I'll give you incapacity benefit. Chop your f***ing legs off and poke your eyes out. Thats incapacity you guttersluts.

Sing-on - I'll help you sign-on - for a one way ticket to Harare, or the Sudan, or Baghdad - where people are incapacitated.

Taxed throught eyeballs, cant have a fag, a drink or fill a car up without being rogered royally, CCTV watching me have a dump, what my bank account looks like, am I driving at 28 or 32 mph, coppers who will nick for you for not filling up a bin but not bat an eyelid if you beat an old lady up or abouse a child.

What is the point. I mean really - why bother. From the inane guff on here half of you think this is acceptable, a good proposrtion are more concerned about whether you'll ever get your leg over - Aids - for Chirst sake pay a whore cos at the rate you're going you'll be paying tax for sex.

I mean look at the tea-dance that Falmer turned into. THat is another example of how ludicrous and incapable this country has turned into.

Graduates- don't get me started on that.

I tell you this - what is the bloody point of a degree these days - and people have the temerity to come here and ask about what they should do!!! Bloody hell, what did you go to university for? If you need to come on here and ask where you should go to work experience or whings as to why you are struggling to find a job having been to university - you've missed the bloody point.

Half the degrees are a waste of time - arrogant little tossers waltze into my office telling me that they should really be given a basic of £30k becuase they went to university.

Get a grip and come to planet earth you smelly unwashed little tykes. Telling me that becuases you made a 5 minute media video about new bandsin the Berlin music scene is irrelevant - what right does that give you fucktard to tell me what you should be paid?

This is meltdown - armegeddon, the end of the world as we know it.

It's all unravelling and you know what. Everyone of us is to blame.

We are all doomed.

And its only Monday, I'm 75% short of target this quarter with the last day on Friday, my other half is pregnant, I have not had sex for 3 months, my money goes into other peoples pockets and I have had enough.

What a load of utter, utter Daily Mail-driven, reactionary, totally unrealistic, self-centred guff.

It was so much better under the Tories wasn't it?

As Wozza says, have wank, and make it as frantic and sweaty as possible.

 

[Uncle C]

you are just as well investing in rented property as it is not just about the price of property.

Buying property to rent is a mugs game at present.

There are record numbers of houses for sale (1 million). When many of these people cant sell at what they think is a realistic figure they will rent them out. This will mean a glut of rental properties and a collapse of that market.
The available property for rent in my area has increased 50% in the last few months.

 

[Uncle Spielberg]

Buying property to rent is a mugs game at present.

There are record numbers of houses for sale (1 million). When many of these people cant sell at what they think is a realistic figure they will rent them out. This will mean a glut of rental properties and a collapse of that market.
The available property for rent in my area has increased 50% in the last few months.

If they rent out their residential property where do you propose they then live

 

[Uncle Spielberg]

it is possible to rent out and then buy but the figures have to stack up which is getting more and more difficult in this climate, I think as people are not buying they are renting and as such rental value have gone up in this area significantly this year

 

[Uncle Spielberg]

it is still a decent proposition if

1. you have a 25% deposit to get an half decent mortgage rate
2. the rental income at least covers the mortgage and related costs
3. you take a long term view, at least 5 years

 

[sten_super]

it is possible to rent out and then buy but the figures have to stack up which is getting more and more difficult in this climate, I think as people are not buying they are renting and as such rental value have gone up in this area significantly this year

That's the general pattern as I understand it. While property prices are going up, people see them as a good investment, and buy. The rental market is then relatively stable, and rental prices (certainly compared to the increases seen in purchase prices) grow slower. When the property market runs into problems, people are not so keen to buy, and people rent instead. Increased demand for rental properties, therefore the prices increase (relative to house prices).

 

[Soul Finger]

Property is for living in, not for making a ridiculously over-inflated profit out of.

 

[Uncle Spielberg]

correct but if we are talking about landlords the government takes 40% of any profit on the sale in capital gains tax and the government earns £ 15 000 000 000 a year in Stamp Duty taxes alone

 

[nlf]

OI WIFE

Don't mention speeding

And i wear hoodies

I dont mean every person that wears a hoodie or even every chav just the ones who think its ok to beat people up for fun

 

[hans kraay fan club]

just the ones who think its ok to beat people up for fun

Agreed 100%.

Its alright if they have a reason, though - to nick some cash, or because they looked at their bird or something.

 

[Alex Alex Dawson oo! oo!]

correct but if we are talking about landlords the government takes 40% of any profit on the sale in capital gains tax and the government earns £ 15 000 000 000 a year in Stamp Duty taxes alone

Are you really contending that the Stamp Duty collected from the sale of residential property is £15 billion/annum?

 

[Digweeds Trousers]

Yeah yeah - sorry I meant you are just as well spending your wedge on rent rather than buying - apologies that was not that clear - I would not suggest for a minute that you invest in buy to let.

By the way Soul FInger - fascinated as to what is utter utter reactionary guff about what I have written - very easy to write people off as Daily Mail readers even though I stated I would not read nad have never read that bog roll of a publication.

I suspect though like most self-appointed gurus and fonts of all wisdom that spout their pseudo-intellectual piss on here that once we dig the drains up on what you actually know we would be better off putting Bungle and Zippy in charge of the country.

Dont insult me with comments about what is reactionary guff. Pompous twat.

 

[hans kraay fan club]

How can you 'invest in renting'? That makes NO SENSE whatsoever. In no way at all can the rent you pay be seen as an 'investment' of any kind. It is dead money. Lost. Gone forever, with no possible form of return.

I'm confused.

 

[che]

NIbble far be it from me to judge you BUT:

What basis have you to suggest I review our interview proceedure.

I have interviewed somewhere in the region of 45 people in the last four weeks and incidentally our business has a turnover of less than 18% which is 3x below the industry average.

people You dont know what industry I am in, what our company does, how many we employ or what the terms or conditions are of working here.

None of those fundamental facts seem to be matter to you beofre you get on your soapbox making suggestions in a patronising and childish manner.

But then that is what this board is for I guess. Worrying that you take the General Melchett approach of refusing to let bare facts stare you in the face before making a decision or judgement - so back to the ranks for you dear boy.

I don;t read the Daily Mail, I do like hundreds of thousands of Scotttish people vote Convservative - not that that has been particularly compelling in recent years becuase i vote for party politics, policies and not for the person - which sadly is becoming harder and harder.

what industry you are in, what company you have, how many employers ??

I ask this because I have also my own business.

 

[Digweeds Trousers]

I just wrote the clarification - it was not clear - Jesus what is this the supreme f***ing court - one slip up in a rant and everyone seizes on it.

f*** me I am losing my grip on reality - I shouldn't need to vote - there is the new cabinet on here - property guys, economists, moral guardians, Religious experts - let's just bin the government and put NSC in charge.

Christ - I mean I have said sorry I did not make it clear and within seconds the hyenas are out picking over ecery bloody word.

I mean - really - I'm sorry. Christ in a bap - what is the problem. I did not make it clear.

Bloody hell - now there is some candidate downstairs for an interview - what is the point.

Jesus.......

 

[Digweeds Trousers]

HK - you're confused - I'm f***ing unravelling.

Capital letters to prove the point or emphasise it - I can bloody read!!

 

[Icy Gull]

How can you 'invest in renting'? That makes NO SENSE whatsoever. In no way at all can the rent you pay be seen as an 'investment' of any kind. It is dead money. Lost. Gone forever, with no possible form of return.

I'm confused.

If house prices continue to fall then renting may well be the most sensible thing to do until they bottom out and you can buy at a low level. Makes sense to me if you're brave enough and confident enough to believe they will drop substantially more over the next year or so.

I know a couple of people who sold just before the crash in the late 80's early 90's and made a killing when they did buy having rented for a couple of years.

I have no idea if that's what Digweed is getting at but it's how I see it. If you spend 24 k on renting but get a property at 50k below what it now costs in 2 years time rather than buying now that is surely an investment no?

 

[hans kraay fan club]

If house prices continue to fall then renting may well be the most sensible thing to do until they bottom out and you can buy at a low level. Makes sense to me if you're brave enough and confident enough to believe they will drop substantially more over the next year or so.

I know a couple of people who sold just before the crash in the late 80's early 90's and made a killing when they did buy having rented for a couple of years.

I have no idea if that's what Digweed is getting at but it's how I see it.

For some people, at some times, renting is absolutely the most sensible thing to do.

That money is still not 'an investment' though.

 

[Mrs Coach]

If Mr Coach and I hadn't bought our property back in '94, when prices were just about sensible, there is no way we'd be able to buy a property nowadays as first time buyers. I feel sorry for anyone in this position now, and dread to think how long my children will be living with me, as I dont see how they'll be in a position to buy their own property, unless they are lucky enough to be receipients of their grandparents wills - that's assuming of couse that the money hasn't gone on residential care for them, and the government leaves anything after the taxes.

OP, I absolutely defend your right to be angry about your points, this country has made leaps and bounds in technology but our behaviour and general living conditions have gone back to the dark ages. Dont even get me started on teenage hoolies! My garden wall has once again been kicked in this weekend. In the grand scheme of things, it's not really anything for me to moan about, but why should my home no longer be my castle? I'm considering building a moat to keep them away! lol!

Nibble, if you have a stalker, I feel for you - mine (who doesn't even appear on my radar as a real human being, nor do I remember meeting them more than twice) has caused me all sorts of problems this weekend, and lots of stress. I do wish these people would get a life!

 

[bWize]

If this country is so shit and full of all the bad things you mention, what the hell you still doing here?

Take a leaf out of your own book and take your family to Sudan or Iraq to live, then come back moaning about how shit britain is.