GuStJaR

joined 1 year ago
[–] [email protected] 35 points 1 month ago (2 children)

86 million customers warn JP Morgan Chase they may have to start paying the money into a different bank account.

[–] [email protected] 2 points 1 month ago (4 children)

If you've not seen it already, watch Civil War. It's excellent!

[–] [email protected] 31 points 1 month ago

If my train costs more than it would to drive, park, and pay congestion charges, there is something very wrong with the system.

[–] [email protected] 19 points 2 months ago (1 children)

I could be wrong but I don't think you've accounted for the change in rate over time. 1 euro was about 4 lira in 2017 so 2017 was more like 50c. Today 1 euro is about 35 lira so it's about 6 to 7 euros at 220 lira. Crazy when you think that's about the price of a kebab in in euro/UK but compare income here to Turkey.

[–] [email protected] 3 points 2 months ago* (last edited 2 months ago)

Not sure how they would manage this.

A landlord with a BTL interest only mortgage may be on a rate of ~2% today which in 18 months comes to term and they will need to remortgage on a rate of e.g ~4%. Their repayment will essentially double (that's a simplification but fine for the example). They will also likely be required to show that the income of the property meets a certain % threshold of the repayment. They will therefore need to increase the rent. The tenent won't be able to afford it, and it's likely others won't either. If you can't afford to buy a house, you're not going to be able to go from £1500 a month to £3k.

The landlord won't be able to remortgage so they will have to sell. When this hits the BTL market, we will have an increase in properties needing to be sold which will reduce prices and for some, a loss for the landlord or lender.

The government needs to do something that will help first time buyers (owner occupiers) get a mortgage reducing the current dependancy on landlords, and banks need to do more to avoid the scenario I lay out here (reduce IO, reduce the number of properties someone can own via BTL etc).

Stamp duty is an obvious one. I've paid tax on my income, why should I pay tax to buy my first home. Or even my 2nd home (I don't mean having a 2nd home I mean the 2nd house I move to and live in as my sole property). Also, with property prices always rising (I realise that prices decrease as well but over time they will always be higher) stamp duty increases. In fact, I think the current plan is to reduce the thresholds in 2025 so this will make things even worse.

Get rid of stamp duty below properties of e.g £5m.

[–] [email protected] 30 points 2 months ago (13 children)

The article focuses on 70+ year olds who have lived in another country for over 50% of their lives. If you have not lived in the UK for 40 or 50 years, and you intend to continue not living in the UK, then please get back in your box. 🙏

[–] [email protected] 8 points 2 months ago

I could be wrong but it looks more like they are having a conversation. He's not immediately taking advantage of the situation to call out and blame the tories for high energy prices, he's having a conversation and mentioning how his 15 year old son is really tall and would need a big onesie. He's talking wth her not at her. .

[–] [email protected] 6 points 2 months ago

Before getting into politics he spent most of his professional career as a human rights lawyer. This is a small snippet from his Wikipedia page - He was a member of Doughty Street Chambers from 1990, primarily working on human rights issues. He has been called to the bar in several Caribbean countries, where he has defended convicts sentenced to the death penalty.

Not sure how many white people there are in the Caribbean sentenced to death.

[–] [email protected] 3 points 3 months ago

I would buy this

[–] [email protected] 2 points 3 months ago (1 children)

"sorry that fans and the game community in general are experiencing these feelings" not sorry for what I did, but sorry you feel I did something.

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