Off Topic JULY 4th 2024 6 months JAN 2025 ..chaos+ more fibs +roughshod attitudes+backtracking +++ C R A S H++

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AshtonRed said:
It’ll be interesting to see how well they do
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My belief is that they will take some of the Conservative vote
As a party, and without proportional representation in this country the Reform party will barely register nationally but my hope is they will evolve into, or better still be a new and proper Conservative Party in the years to come that actually have some conservative values as opposed to the liberal elite we have in charge now and the ‘same again’ we’re about to get on 4th July
 
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AshtonRed said:
Good your finances are back to pre Covid levels, think of the poor bastards that have a mortgage and were screwed by Truss, and to think Sunak came second in a two horse race against her.
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My daughter has a mortgage and has negotiated around the cost by doing what is expected by a majority of people who have the sense to to budget. Unlike some that put other things like pis***g it against wall nightlty weekly pub visits 2 or 3 holidays new "keep up with the joneses" trainers/ clothes when other stuff has not worn out etc etc.
3 people I know [ know a lot more! ] who have had a massive pay increase [ or a rise of more than 4% ] through levelling or striking now state % of disposalable income with even with higher mortgage is now higher!
AND yes Truss did fall foul of not getting it right but check back ... inflation and the such like was begining to need to rise!
 
AshtonRed said:
So…. After 14 years you accept we are bankrupt, and your argument is …we should vote for the party that oversaw that…. Wow !!
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we are not bankrupt :emoticon-0102-bigsm:emoticon-0102-bigsm:emoticon-0102-bigsm:emoticon-0140-rofl::emoticon-0140-rofl::emoticon-0140-rofl::emoticon-0140-rofl::emoticon-0140-rofl: .. quite a long way from it and a spanking good job for whatever their sins the . gov [ dont forget the PM doesnt say right we will do this and it gets done ... it goes to cabinet and then ironed out before presenting to parliament where it may or may not need house approval.... its called democracy
 
realred1952 said:
we are not bankrupt :emoticon-0102-bigsm:emoticon-0102-bigsm:emoticon-0102-bigsm:emoticon-0140-rofl::emoticon-0140-rofl::emoticon-0140-rofl::emoticon-0140-rofl::emoticon-0140-rofl: .. quite a long way from it and a spanking good job for whatever their sins the . gov [ dont forget the PM doesnt say right we will do this and it gets done ... it goes to cabinet and then ironed out before presenting to parliament where it may or may not need house approval.... its called democracy
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Of course it’s democracy, I’m not sure if you’ve noticed but the Tories have a reasonably large majority, therefore they control the balance of power in parliament so tend to get their policies through.
The National service policy didn’t appear to go through the cabinet though, as most of the cabinet weren’t even aware it was going to be announced.
 
AshtonRed said:
Of course it’s democracy, I’m not sure if you’ve noticed but the Tories have a reasonably large majority, therefore they control the balance of power in parliament so tend to get their policies through.
The National service policy didn’t appear to go through the cabinet though, as most of the cabinet weren’t even aware it was going to be announced.
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Ashton there is a difference on manifesto and items via cabinet/house....... not seen a manifesto from anyone yet? not looked to be fair but usually printed and presented within a week of the dissolved parliament
 
realred1952 said:
My daughter has a mortgage and has negotiated around the cost by doing what is expected by a majority of people who have the sense to to budget. Unlike some that put other things like pis***g it against wall nightlty weekly pub visits 2 or 3 holidays new "keep up with the joneses" trainers/ clothes when other stuff has not worn out etc etc.
3 people I know [ know a lot more! ] who have had a massive pay increase [ or a rise of more than 4% ] through levelling or striking now state % of disposalable income with even with higher mortgage is now higher!
AND yes Truss did fall foul of not getting it right but check back ... inflation and the such like was begining to need to rise!
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You must have really good friends if they’re willing to discuss their finances with you. Despite that mortgage rates have gone up massively if you think a 4% pay increase will cover the increase in Mortgage rates and inflation that’s been 11~ 12 % your out of touch, it comes from being retired and having a nice pension. :emoticon-0105-wink:
 
realred1952 said:
Ashton there is a difference on manifesto and items via cabinet/house....... not seen a manifesto from anyone yet? not looked to be fair but usually printed and presented within a week of the dissolved parliament
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So the manifesto doesn’t get discussed with the cabinet?, it’s amateur, ministers are having to justify when they weren’t aware it was happening
 
Redprintt said:
Or the Russian invasion of Ukraine?

Further thoughts ?
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Who mentioned Ukraine? Pretty much the whole of the west are against the Russian invasion of Ukraine, and many nations are sending money and ammunition to help, not enough, and too slow, but nevertheless we’re doing lots to help a nation that’s been invaded by their Neighbour.
 
AshtonRed said:
You must have really good friends if they’re willing to discuss their finances with you.
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pretty common events especially on my Tuesday & Thursday nights whilst doing our hobby and after in the pub ...only last week were talking about the pensions and why they were not as much as expected and how much better off we were since this time last year [ also those not on pensions ] the reason they were less is that is paid 4 weekly and the new rise was allowing for that fact [ had some of the old rate incl ]

What you seem to not have accounted for is that inflation at 11-12% was a spike not a prolonged build up and its downward side has been a fairly rapid slide as opposed to a steep fall off !

the other thing you havent grasped is that mortgages are not all like the figures you read in the papers/ media many people and thats lots have mortgages that are more than 15+ years maybe as high as 20+ years and on fixed rates which took/ take them through that "spike" so yeas for a few month's some may have to pay extra .. but now fixed rate or lower % are becoming normalized again.
The ave income for a family is circa£35k so 4% would give them around £1400 pa one of my mates stated he was paying £997 [ just short of £1k ] and for last 5 month's has been paying £1150 [ was quite a coincidence as the round of drinks I had just bought was £11.30 ] so well covered by his pay rise that was around 4 - 5%
 
realred1952 said:
pretty common events especially on my Tuesday & Thursday nights whilst doing our hobby and after in the pub ...only last week were talking about the pensions and why they were not as much as expected and how much better off we were since this time last year [ also those not on pensions ] the reason they were less is that is paid 4 weekly and the new rise was allowing for that fact [ had some of the old rate incl ]

What you seem to not have accounted for is that inflation at 11-12% was a spike not a prolonged build up and its downward side has been a fairly rapid slide as opposed to a steep fall off !

the other thing you havent grasped is that mortgages are not all like the figures you read in the papers/ media many people and thats lots have mortgages that are more than 15+ years maybe as high as 20+ years and on fixed rates which took/ take them through that "spike" so yeas for a few month's some may have to pay extra .. but now fixed rate or lower % are becoming normalized again.
The ave income for a family is circa£35k so 4% would give them around £1400 pa one of my mates stated he was paying £997 [ just short of £1k ] and for last 5 month's has been paying £1150 [ was quite a coincidence as the round of drinks I had just bought was £11.30 ] so well covered by his pay rise that was around 4 - 5%
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And inflation which was up around 12%?, food bills have gone up massively, it’s steadied off a bit now, but it’s still rising, that 12% increase is now “baked in”, so the 3% is on top of the 12% if you like. Plus there were loads of people who’s fixed rate mortgages came to an end right at the when rates were through the roof. I’m lucky I have a small mortgage left but not much and I pay variable, it’s gone up but it’s manageable, many aren’t. I feel for people with large mortgages that got caught in Trussonomics. There are many that won’t forgive easily or be as forging as you, hence the 20 point gap at the moment.
 
Morning Ashton.

I mentioned economic hit of Ukraine and the £400 billion spent on Covid.
I'd like to know if you believe Starmer and co would handled it any better avoiding, as you say, chaos and mess.
For the record and Tbf I've said Sunak deserves to lose this election not explaining/ getting the message out of the impact of Covid and Ukraine. I'm also right jarred off how we still pander to Brussels.
Anyway, please convince me how Starmer and co would have avoided the 'chaos and mess' handling Covid and Ukraine.
 
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