Thought Id start this one going because its rather dead on this board at the moment and I suppose all my usual muckers are either at the Stella tennis event watching Dim Tim (lose again) or at Henly Regatta eating cucumber sandwiches (they wish,...NOT).

Anyway please feel free to just talk to yourself blast away and let it go on any company or subject you wish. Just wish Id thought of this one before.

cheers GF.

You have missed the point completely. The help to buy does not involve the government spending money. The government is guaranteeing the loans, subject to conditions.

Hays - MK is not worth wasting your breath on ...... he has nothing sensible of constructive to say - ever! ...... he can't or won't even answer the base question which is whether or not he thinks first time buyers should get any financial assistance ...... at least fred comes up with some possible alternative when he chooses not to just goad you!

Cynic,

As a man of wisdom of foresight do you think that Georgie Boy and Wavey Davey have made the correct economic changes over the last 3 years for the benefit of "all" of the "country", or on expeditious political grounds?

"If" the country was a Public company and you had responsibility for it, would think the investments that the above have made over the last three years, be the one's you would have made, and for the benefit for the shareholders?

Are the long term "social" consequences of their actions to be beneficial?

correct economic changes over the last 3 years for the benefit of "all" of the "country", or on expeditious political grounds?
always a difficult one to call, but certainly the austerity measures, tough as they most definitely were, probably pulled the uk economy around an awful lot quicker than the dribs and drabs (or nothing at all) that i recollect being recommended by others

though i have a pretty jaundiced view of most politicians (some more than others), i think whichever party is in power tries to perform as it perceives being in the best interests of the country.
that said, the labour party gets its arm twisted very heavily (in my opinion) by the more militant and vocal unions, while the conservatives gets its strings pulled to a greater or lesser extent by those on the more extreme fringes


"If" the country was a Public company and you had responsibility for it, would think the investments that the above have made over the last three years, be the one's you would have made, and for the benefit for the shareholders?
i don't know, or more relevantly, i don't know what i would have done or even suggested differently - always remembering that we know very few of the true facts and figures behind most decisions made
i'm pretty sure, on reflection, that i would not be so gung-ho about HS2, though there are certain elements who still maintain that even at £80bn it's a "must have"


Are the long term "social" consequences of their actions to be beneficial?
the inevitable curved ball always comes at the end!
this is not and never will be a utopian society, let alone world
human beings by their genetic nature are aggressive and greedy with, in the most simplistic way, the strong imposing their will on the weak and it always will be thus
however, these traits are somewhat suppressed in times of economic strength with all strata of society benefitting from it
you'll notice, i am sure, that i have not plunged down the blind alley of political nonsense and nor have i brought up the subject of immigration and its attaching social problems and reactions

Haven't you?

At least, you have avoided immigration which some believe the root of all UK problems!

i don't hold with that view though assuredly the open door policy has had serious consequencies across a wide range of social and other issues

a points system as used in australia would seem to be pretty effective in ensuring that those allowed in will not be a drain on resources ...... having saddled ourselves with assorted bits of nonsense laid down by brussels, we have exacerbated the problem - as usual, other countries within eu are not as accommodating

Cynic. you are wrong MaxK as a lot of good things to say I find him a very genuine poster unlike yourself who just wants to wind people up.

I think since hes started posting here hes brought a middle ground a sensible middle ground to all debate , very much unlike you and Haystack who just dont debate but try to dictate. (i dont always agree with him)

Your aligning yourself with haystacks is a serious mistake, posters are looking at you and seing his sick traits in you aswel. Youd do well to disconnect.

I once knew you as a sensible hounourable guy, these days youve been dragged into the gutter alongside haystack.

Get out before its too late and you have that permanent marking on your back.

hi sticky .... it is you (and allegedly others) who erroneously think that i am aligned with hays ..... sorry to disillusion you, but i am and always have been a bloke who marches to his own band

my opinion of MK has been clearly signed, and i am sure it is reciprocated, but that worries me not at all

cynic and I disagree on quite a few things.

The government's policies are for the benefit of all of society. The only route to better lives for everyone is successful business. We have NO source of wealth and income that does not come from business.

Doesnt come over that way Im afraid cynic.

Im afraid everybody thinks your Hays right hand man.

Not good to be seen sucking up to a self confessed sick tax evader, very poor form.

O/T markets dropping cyners, once down through 6400 I have a hunch that it will fall below 6000.

The US market needs a decent drop apart from Obama,s problems. The US market went up far too fast.

Damm it, my local shuts down today.

Thats now the 4th one in my area within walking (sometimes crawling) distance.

Just what do we need to keep our local pubs going???????? any ideas.

Not only will I miss the local ale but Ill also miss my pub mates, the cats wont have a watering hole and Ill have to stop fantasising about gettting into the sexy blonde Kaisha behind the bars bra.

What a shame.

Is this happening all over the country or just Yorkshire????????????????

Im certainly not supping supermarket ale.

not my prob sticky, but rather yours and this nebulous "theirs"

pubs are closing everywhere and have been for years
to some extent, it is because peeps drink less and if they go to the pub, they generally want (to be able) to eat at least passably well
for the breweries, the land is far more valuable for redevelopment - for social housing of course! - than to be kept as a pub

Cynic,

You ducked the "expeditious" grounds.

I think that Osborne and Cameron based many of the economic decision on impure party political grounds, but has mistimed it, hence the "printing" of attempting to push money into the market and to those who can cash in once again.

However, his latest wheeze on mortgages will be "inflationary" and I think boomerang back on to him.

GDP still suggest he is still lying about true employment levels.

Also, his selling off of the Royal Mail below it "true value" will raise another stench around him.

He will be seen once again as doing favours to his mates in the city.

A pity his father hadn't worn one.

no fred, i think i answered that aspect .... try re-reading

Treasury will raise billions from Help to Buy

The Treasury will raise billions in the next few years from home buyers under the new Help to Buy scheme, experts have said.



By Steven Swinford, Senior Political Correspondent

11:16AM BST 07 Oct 2013



Tomorrow George Osborne, the Chancellor, will unveil details of the scheme under which will enable first time buyers to apply for 95 per cent mortgages.


The Treasury will charge lenders about £1,000 to insure loans to borrowers with the smallest deposits. The cost is likely to be passed on to home buyers.


Ray Boulger, of independent mortgage adviser John Charcoal, said that in the short term the government is likely to "cash in".


However, he said that over the full length of the scheme as more people default on their mortgages the government is less likely to make a profit.


Mr Boulger said: "In the short term the government will cash in. But that is going to be balanced up over the course of the scheme. We know that a proportion of people will default on their loans."


More: http://www.telegraph.co.uk/finance/personalfinance/borrowing/mortgages/10360342/Treasury-will-raise-billions-from-Help-to-Buy.html

Social housing yep, the other three that have closed down are all flats now. Its a terrible situation, dont forget locals are part of our history our life our social fabric.

The worst thing is the 2 cats I have will be heart broken. They loved to walk down to the back of the house gardens over the river colne bridge and into the pub.

Both had a ash tray with newcastle brown in.

The last standing pub is up a fairly busy road and no way I can let them walk up their.

Its so upsetting and shouldnt be happening.

John Charcoal????? ...... really? .... i don't think so!

sticky - i think we have lost 4-5 pubs in the last few years and at least one other is very sickly through the brewery putting in an inept landlord

one pub became a private residence
another has become a sort of tapas bar
another is in the process of being turned into housing of some kind
another has become a sort of "harvester" place, though it doesn't look that nasty from the outside
another became a (badly over-rated!) 2* michelin restaurant a few years ago - try just strolling in and asking for a pint!

It is is just change. Pubs do we because people don't go to them anymore. Pubs are from another era. We are heading more towards the bar/cafe society of the continent. The ones that survive will hopefully be the best of them. Some of the cause is rising lan values and consequently higher rents. The business model of the average pub doesn't work anymore.

Snaps grant what a ares wipe the man is vote ukip