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.

Oh p off Tanks, I've got "you know who" on the ropes again -):

the UK will be a complete shit hole next year .when you come home from work you may not get back in your home it could be taken over by immigrants and the law can do nothing about it as it is today . 47 homes in the south are already taken over by immigrants and getting worse destroying the homes they take over .

the locks will not stop them they have a lock smith to unlock them .
you have been warned . read about the latest homes taken over while the owners are out on hols

stan . CYNIC is to far up is backside to know that .he is in a world of is own to thick to see the wood for the trees

UKIP will get over 20% of the votes and take many seats .
get out and talk to voters . ask the voters of BOSTON in lincs

we are now going to remove the conservative from our CLUB

... Well there is that I suppose Tanks -):

'Truly shocking' that the private-school educated and affluent middle class still run Britain, says Sir John Major

The dominance of a private-school educated elite and well-heeled middle class in the “upper echelons” of public life in Britain is “truly shocking”, Sir John Major has said.




State school educated John Major with David Cameron, who went to Eton


Christopher Hope

By Christopher Hope, Senior Political Correspondent

10:00PM GMT 10 Nov 2013







The dominance of a private-school educated elite and well-heeled middle class in the “upper echelons” of public life in Britain is “truly shocking”, Sir John Major has said.


The former Conservative Prime Minister said he was appalled that “every single sphere of British influence” in society is dominated by men and women who went to private school or who are from the “affluent middle class”


More than half of the Cabinet, including David Cameron, the Prime Minister, George Osborne, the Chancellor, and Nick Clegg, the Deputy Prime Minister, are thought to have gone to private school and are independently very wealthy.


In the speech to Tory party grassroots activists on Friday evening, Sir John - who went to a comprehensive in south London and left school with three O-Levels - said: “In every single sphere of British influence, the upper echelons of power in 2013 are held overwhelmingly by the privately educated or the affluent middle class. To me from my background, I find that truly shocking.”


Sir John blamed this “collapse in social mobility” on Labour, which despite Ed Miliband’s “absurd mantra to be the one-nation party they left a Victorian divide between stagnation and aspiration”.


More: http://www.telegraph.co.uk/news/politics/conservative/10439303/Truly-shocking-that-the-private-school-educated-and-affluent-middle-class-still-run-Britain-says-Sir-John-Major.html

Sinic,

Give me your solution you have for a 25-26 year old postgraduate student, who has £30000 fees plus living costs for 3 years to pay back. That would be approximately £10000 a year in a University town.

Add to that low "salary" and costs of doing PhD etc.

Due to the coalition changes, he/she has acquired probably acquire about £70000~+ of debt, unless of course they have a parents or other donor, who are able pay it off for them.

Now this student has wishes to get married or have a relationship and find a roof to put over their head.

Add the debt to the mortgage.

How in hell does the brilliant ideas of Cameron's inflationary housing scheme help them?

Also, consider the decisions which some will or are making.


I have obviously simplified the scenario for you.

---------------

Many university staff and others doing research are pissed off with their expectancies, which have been worsened by this government and the previous changes in ethos due to the changes introduced during the Thatcher period.

What pisses me off, is the short-termism of this and previous government without consideration of the likely effects of the policies. (U-turns don't solve the problems they just highlight them.)

===---===

A Shock? Don't talk nonsense Major, by the way is the "Whore Bag Curry" still giving him some?

the march of UKIP will gather pace be under no doubt
I am ashamed to say my family voted for these LIARS AND CROOKS
THIS GOV THE MOST EVIL EVER TO WALK THE PLANET

if their is a GOD why did he kill those 10 000 people does he hate their country .

god is a fairy tale for the stupid

all those that died fighting for the uk died in vane . died for nothing .

fred - i have no idea and nor do i much (at all) care about your specific problem ...... however, it seems to me that any help that can be offered to first-time buyers cannot intrinsically be a "bad thing" ...... unlike you, i really don't care which party came up with the concept

by the way, perhaps "your problem" would be best served by applying for a top-grade apprenticeship as outlined/detailed in the article i mentioned

facts . young people buying homes then finding out that they can not afford to live in it .
they are desperate to sell them after just months but the FLAT they have bought is lease and the value is over 14k less than they paid . all new flats are over valued by 20% the gov help to buy is destroying the buyers . who think they are getting help but help to trap them in a home they can not sell

never buy lease hold unless you have no family to leave it too

from where did you get that hare-brained concept?
of course, it's a total nonsense unless there is (considerably) <50 years unexpired, in which case, the leasehold is a diminishing asset
flats are almost always leasehold, though on occasion there is a share of the freehold attaching, but i don't think that's very common
also, it is almost impossible to buy freehold in much of central london even if you want to

London is total different from most parts of the uk .
down in places like cornwall you can pick up a flat which was bought new
on resell for at least 15 % cheaper .
new apartments are over valued for most people if you have the cash you get a big discount if you have not you over pay . fact

MOST NEW LEASE HOMES NOW HAVE ONLY 99 YEARS

so?????? and your point is??????

It's a very expensive diminishing asset.

their is your answer thanks MAXK