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Old 28th September 2022, 09:38 AM   #521
lobosrul5
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Originally Posted by Vixen View Post
His big problems are:
  • being single
  • being on minimum wage / low paid
  • expecting to be a first-time buyer in London.

Back in the day, whilst interest rates did indeed go up to 15% (but only for one day; it soon dropped back to 10%) in the '90's, prior to that (going backto the seventies and eighties) the average mortgage applicant was only expected to show their earnings as apx 3:1 the value of the property. Nowadays, whilst interest rates have been very low (<2%) OTOH mortgage providers now expect up to five times one's salary minimum, on the assumption you are in a partnership, and thus able to afford the average high house prices today. This assumption immediately makes it hard for a single person or someone who doesn't want to share. In addition, even if he had the requisite deposit, his earnings wouldn't buy him anywhere in London, with the housing market there grossly overpriced IMO. Renting won't help this chap as rents will rise along with mortgages to meet the landlords' costs. This chap is better off finding a place near Norfolk whilst there are gains to be made on stamp duty and sit it out.

According to the link:

ibid

So, he'll need to ensure he can cope with an extra £190 pcm on a mortgage, together with another £100 pcm...£200 pcm...? extra on energy bills in the coming years, on top of that. Otherwise it is back to living with Mum and Dad for many younger people.
30 year fixed rate in the US is now 6.5%, and only that low if you buy points. I could just barely afford my house at that rate. I'm working out that if I moved to an equivalent house the interest portion of my payment would actually more than double, and my property taxes would also nearly double (because they can only rise by 3%/year for current owners). I could afford it, but my disposable income would be down to maybe $400 or $500 a month.

Originally Posted by Vixen View Post
Also known as, Russian roulette or casino gambling. Just chuck everything onto the red square and hope for the best.
Yeah, with 6 rounds loaded.
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Old 28th September 2022, 09:42 AM   #522
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That is the problem with Truss' and Kwarteng's naked 'small state' ideology and Ayn Rand style capitalism. What is needed for the position of Chancellor of the Exchequer is someone who is not afraid to tell the boss her ideas are poppycock, and someone who is a hard headed economist or scientist, not someone driven by the 'Britannia Unbound' fantasy of the heroic entrepreneur against the world. It doesn't work like that.

It's like the man who puts his entire week's wages on a horse race.
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Old 28th September 2022, 10:56 AM   #523
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Originally Posted by Vixen View Post
That is the problem with Truss' and Kwarteng's naked 'small state' ideology and Ayn Rand style capitalism. What is needed for the position of Chancellor of the Exchequer is someone who is not afraid to tell the boss her ideas are poppycock, and someone who is a hard headed economist or scientist, not someone driven by the 'Britannia Unbound' fantasy of the heroic entrepreneur against the world. It doesn't work like that.

It's like the man who puts his entire week's wages on a horse race.
Except he's putting someone else's wages on a horse race and stands to collect the winnings in the unlikely event that Dobbin romps home.
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Old 28th September 2022, 11:02 AM   #524
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The Tory conference starts Saturday. Now it could actually be fun to watch
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Old 28th September 2022, 11:09 AM   #525
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In the "What on earth are the smoking in the House of Lords"-category, we have Tory peer and Brexit architect Daniel Hannan:
Quote:
What we have seen since Friday is partly a market adjustment to the increased probability that Sir Keir Starmer will win in 2024 or 2025 – leading to higher taxes, higher spending, and a weaker economy.
...
Some pundits don’t like Truss, others have never forgiven the Tories for Brexit, yet others are horrified by the idea that growth, rather than equality, should be the government’s priority.

Fair enough. But let’s be clear-headed about what is happening.
https://conservativehome.com/2022/09...h-of-tax-cuts/
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Old 28th September 2022, 11:52 AM   #526
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Originally Posted by Mojo View Post
That’s 3 or 4 stops past.
Three now, it used to be two.
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Old 28th September 2022, 12:04 PM   #527
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And Truss reacts exactly as predicted:

Draw up plan for cuts, government departments told

Quote:
Chief Secretary to the Treasury, Chris Philp, will write to government departments in the coming days about finding spending efficiencies.
Of course efficiency savings are the perpetual cover for cuts, because our public services are clearly awash with money. And if there are efficiency savings to be had, why has it taken the Tories 12 years to look for them? And yes, that was a rhetorical question.
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Old 28th September 2022, 12:13 PM   #528
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Yesterday Truss was 11-1 to be replaced as PM in 2022. Now 7-1. I had a crafty £2 at 11s, so might clean up here! Unfortunately my winnings could be worth less than £2 of today's money, so maybe I should have spent it on rice and beans?
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Old 28th September 2022, 01:52 PM   #529
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Originally Posted by The Don View Post
According to this BBC commentator, Kwasi Kwarteng must U-turn on tax or cut spending.

https://www.bbc.co.uk/news/business-63049044

I think we all know what they would prefer to do
Stimulus (eg tax cuts) is pure stupidity when the central bank is restricting money supplies to control inflation. Monetary policy far outweighs fiscal policy in terms of it's impact so of the BoE is tightening money supplies to reduce ecnomic activity and inflation along with it, it WILL win out over fiscal policy aimed at increasing economic activity (and inflation along with it). In the end all you get are higher interest rates and deficits.
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Old 28th September 2022, 02:07 PM   #530
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Originally Posted by catsmate View Post
Three now, it used to be two.

Depends on whether it’s East or Heathway.
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Old 28th September 2022, 02:08 PM   #531
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Originally Posted by GlennB View Post
"Am told the BoE were responding to a “run dynamic” on pension funds - a wholesale equivalent of the run which destroyed Northern Rock.
Had they not intervened, there would have been mass insolvencies of pension funds by THIS AFTERNOON."

linky from Sky News
If the BoE has really been forced into increasing money supplies to keep the financial system stable expect even more inflation over the next couple years.
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Old 28th September 2022, 04:04 PM   #532
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Originally Posted by Garrison View Post
And Truss reacts exactly as predicted:

Draw up plan for cuts, government departments told



Of course efficiency savings are the perpetual cover for cuts, because our public services are clearly awash with money. And if there are efficiency savings to be had, why has it taken the Tories 12 years to look for them? And yes, that was a rhetorical question.
Blanket cuts don't increase efficiency, they make efficiency worse. It's like saving money by leaving a wheel off a car. Efficiency is a laudable goal but it doesn't happen magically.
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Old 28th September 2022, 04:09 PM   #533
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Originally Posted by a_unique_person View Post
Blanket cuts don't increase efficiency, they make efficiency worse. It's like saving money by leaving a wheel off a car. Efficiency is a laudable goal but it doesn't happen magically.
Yeah, but it 'sounds good'. The last several years of UK government have been all about sounding good.
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Old 28th September 2022, 10:34 PM   #534
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...and remember, Truss also has to find an additional 157bn to spend on the military.
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Old 28th September 2022, 10:55 PM   #535
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Originally Posted by a_unique_person View Post
Blanket cuts don't increase efficiency, they make efficiency worse. It's like saving money by leaving a wheel off a car. Efficiency is a laudable goal but it doesn't happen magically.
They've been making efficiency savings cuts for 12 years, that's why we have so many food banks, starving children, and an NHS in crisis
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Old 28th September 2022, 11:46 PM   #536
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Originally Posted by Filippo Lippi View Post
They've been making efficiency savings cuts for 12 years, that's why we have so many food banks, starving children, and an NHS in crisis
It beggars belief that there's huge amounts of waste that can be addressed in order to make the tens of billions of pounds of savings when successive Conservative and coalition governments have been implementing austerity programmes for over a decade.

Given that most of the individuals are still the same, if those programmes have been unsuccessful for over a decade, why should it be any different now.

Of course what will happen is that budgets will be cut without any clear indication as to where the savings will come which will simply result in reductions in services leading to increases in inequality - which is IMO one of the objectives of the government, to maintain a politically apathetic underclass who can be exploited by the vulture capitalists pulling the strings.
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Old 29th September 2022, 12:54 AM   #537
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Originally Posted by lomiller View Post
Stimulus (eg tax cuts) is pure stupidity when the central bank is restricting money supplies to control inflation. Monetary policy far outweighs fiscal policy in terms of it's impact so of the BoE is tightening money supplies to reduce ecnomic activity and inflation along with it, it WILL win out over fiscal policy aimed at increasing economic activity (and inflation along with it). In the end all you get are higher interest rates and deficits.
Especially when there has been no fiscal policy to encourage growth! Removing the top rate of income tax is not a fiscal policy for growth.
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Old 29th September 2022, 12:56 AM   #538
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Originally Posted by The Don View Post
...and remember, Truss also has to find an additional 157bn to spend on the military.
We should bring back national service!
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Old 29th September 2022, 12:57 AM   #539
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Originally Posted by Darat View Post
Especially when there has been no fiscal policy to encourage growth! Removing the top rate of income tax is not a fiscal policy for growth.
Au contraire, it grows the wealth of those who were on the top rate.
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Old 29th September 2022, 01:14 AM   #540
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The clips of Truss getting taken to the cleaners on numerous BBC local radio stations this morning have been excruciating
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Old 29th September 2022, 01:22 AM   #541
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Originally Posted by Filippo Lippi View Post
The clips of Truss getting taken to the cleaners on numerous BBC local radio stations this morning have been excruciating
I didn't know she'd ventured out to speak to the media. I was going to check my fridge!
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Old 29th September 2022, 02:07 AM   #542
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Originally Posted by The Don View Post
It beggars belief that there's huge amounts of waste that can be addressed in order to make the tens of billions of pounds of savings when successive Conservative and coalition governments have been implementing austerity programmes for over a decade.

Given that most of the individuals are still the same, if those programmes have been unsuccessful for over a decade, why should it be any different now.

Of course what will happen is that budgets will be cut without any clear indication as to where the savings will come which will simply result in reductions in services leading to increases in inequality - which is IMO one of the objectives of the government, to maintain a politically apathetic underclass who can be exploited by the vulture capitalists pulling the strings.

Remember when mass unemployment was described as “a price worth paying” for lower inflation?
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Old 29th September 2022, 02:13 AM   #543
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Alexander Clarkson on Twitter

Quote:
Liz Truss's Director of Communications, Jason Stein, used to work as Communications Adviser for Prince Andrew until the Maitlis interview
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Old 29th September 2022, 02:21 AM   #544
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Originally Posted by Mojo View Post
Remember when mass unemployment was described as “a price worth paying” for lower inflation?
The (by other people) after “a price worth paying” is implicit.
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Old 29th September 2022, 03:50 AM   #545
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Originally Posted by GlennB View Post
I see that Truss is "standing by Kwarteng". He's toast, then.
Check out the names on this

Almost certainly genuine from 2017 in redacted form

https://twitter.com/wilbur_munch/sta...kbWBvKKMw-9M4Q
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Old 29th September 2022, 03:53 AM   #546
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Originally Posted by jimbob View Post
Check out the names on this

Almost certainly genuine from 2017 in redacted form

https://twitter.com/wilbur_munch/sta...kbWBvKKMw-9M4Q
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Old 29th September 2022, 04:02 AM   #547
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Originally Posted by The Don View Post
Except he's putting someone else's wages on a horse race and stands to collect the winnings in the unlikely event that Dobbin romps home.
Good point.

...And collecting your betting tax.
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Old 29th September 2022, 04:05 AM   #548
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Originally Posted by GlennB View Post
The Tory conference starts Saturday. Now it could actually be fun to watch
Theresa May came out dancing - if you can call jerking dancing - to 'Dancing Queen'.

Truss could come out as the robot in Automatic Lover.

YouTube Video This video is not hosted by the ISF. The ISF can not be held responsible for the suitability or legality of this material. By clicking the link below you agree to view content from an external website.
I AGREE
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Old 29th September 2022, 04:07 AM   #549
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Originally Posted by KDLarsen View Post
In the "What on earth are the smoking in the House of Lords"-category, we have Tory peer and Brexit architect Daniel Hannan:

https://conservativehome.com/2022/09...h-of-tax-cuts/
It's called False Memory Syndrome. Everything was the fault of the Labour manifesto of 1998.
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Old 29th September 2022, 04:09 AM   #550
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Originally Posted by GlennB View Post
Yesterday Truss was 11-1 to be replaced as PM in 2022. Now 7-1. I had a crafty £2 at 11s, so might clean up here! Unfortunately my winnings could be worth less than £2 of today's money, so maybe I should have spent it on rice and beans?
You lose £2,500 on energy bills, win £22. Not so crafty.
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Old 29th September 2022, 04:11 AM   #551
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Originally Posted by lomiller View Post
Stimulus (eg tax cuts) is pure stupidity when the central bank is restricting money supplies to control inflation. Monetary policy far outweighs fiscal policy in terms of it's impact so of the BoE is tightening money supplies to reduce ecnomic activity and inflation along with it, it WILL win out over fiscal policy aimed at increasing economic activity (and inflation along with it). In the end all you get are higher interest rates and deficits.
Dominic Cummings really should have brought Andrew Bailey under his control. Can't have all these independent judges and bankers making a mockery of Boris and Liz.


Next to go after the ECHR, the independence of the Bank of England.
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Old 29th September 2022, 04:12 AM   #552
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Originally Posted by The Don View Post
...and remember, Truss also has to find an additional 157bn to spend on the military.
I know...perhaps ask Dido to repay the £137bn that went missing, n'er to be seen again...?
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Old 29th September 2022, 04:15 AM   #553
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Originally Posted by Filippo Lippi View Post
They've been making efficiency savings cuts for 12 years, that's why we have so many food banks, starving children, and an NHS in crisis
Charity is one of the great Tory principles. I used to go on a 'Charity Day' with all the hooray Henrys and Henriettas I used to work with...once a year. Hurrah, a day out of the office helping the plebs paint their community centres and sweep up the leaves in an East End park. I am so charitable.
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Old 29th September 2022, 04:18 AM   #554
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Originally Posted by The Don View Post
It beggars belief that there's huge amounts of waste that can be addressed in order to make the tens of billions of pounds of savings when successive Conservative and coalition governments have been implementing austerity programmes for over a decade.

Given that most of the individuals are still the same, if those programmes have been unsuccessful for over a decade, why should it be any different now.

Of course what will happen is that budgets will be cut without any clear indication as to where the savings will come which will simply result in reductions in services leading to increases in inequality - which is IMO one of the objectives of the government, to maintain a politically apathetic underclass who can be exploited by the vulture capitalists pulling the strings.
'Efficiency' is usually a euphemism applied to public services. Now to get rid of all those civil servants whilst at the same time putting out public statements that 'the delays in issuing passports is unacceptable'.
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Old 29th September 2022, 04:19 AM   #555
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Originally Posted by Darat View Post
Especially when there has been no fiscal policy to encourage growth! Removing the top rate of income tax is not a fiscal policy for growth.
Exactament. People on over £150,000 aren't going to spend more, they will just put the excess money not needed into savings or investments. Claim back 40% tax by shoving it in a pension fund.
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Old 29th September 2022, 04:22 AM   #556
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Originally Posted by jimbob View Post
Check out the names on this

Almost certainly genuine from 2017 in redacted form

https://twitter.com/wilbur_munch/sta...kbWBvKKMw-9M4Q
I wouldn't give any credence to muck racking. It is well known Amber Rudd once dated Kami Kwasi Kwarteng. The latter has been a friend of Truss since their Cambridge days and live closeby in Greenwich. The person who compiled the 'intelligence' likely put 2 + 2 together and got 5. Sounds like someone with a dirty mind.
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Old 29th September 2022, 06:31 AM   #557
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Originally Posted by Vixen View Post
I wouldn't give any credence to muck racking. It is well known Amber Rudd once dated Kami Kwasi Kwarteng. The latter has been a friend of Truss since their Cambridge days and live closeby in Greenwich. The person who compiled the 'intelligence' likely put 2 + 2 together and got 5. Sounds like someone with a dirty mind.
Nope, check out the Chris Pincher information.

And the first date I can see for this is 2017
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Old 29th September 2022, 09:44 AM   #558
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Latest YouGov poll for The Times shows Labour with a 33% point lead over the Tories

https://www.thetimes.co.uk/article/y...ries-n90lqlgf7

(paywalled but you can read the headline)
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Old 29th September 2022, 09:49 AM   #559
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Originally Posted by ohms View Post
Latest YouGov poll for The Times shows Labour with a 33% point lead over the Tories

https://www.thetimes.co.uk/article/y...ries-n90lqlgf7

(paywalled but you can read the headline)
Wow. That's going to raise a few eyebrows among her MPs
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Old 29th September 2022, 09:54 AM   #560
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Originally Posted by ohms View Post
Latest YouGov poll for The Times shows Labour with a 33% point lead over the Tories

https://www.thetimes.co.uk/article/y...ries-n90lqlgf7

(paywalled but you can read the headline)
Two polls have shown a 17% lead, and another today had 22% or so.
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