asterisk2a + rent   114

Tenants in England not being protected from revenge evictions, study finds | Society | The Guardian
Data obtained under the Freedom of Information Act by the housing campaign group Generation Rent suggests that local authorities in England are failing to use their full powers to protect tenants.

Even when the most severe hazards, such as mould or broken stairs, is found in a rented home, tenants only get protection from eviction in one in every five cases, the group added.
Generation  Rent  revenge  eviction 
yesterday by asterisk2a
Most buy-to-let lenders refuse loans when tenants are on benefits | Money | The Guardian
Research carried out by the RLA’s mortgage consultants found that two-thirds of lenders representing 90% of the buy-to-let market did not allow properties to be rented out to those in receipt of housing benefit. About 4.2 million people in the UK claim housing benefit.
UK  injustice  discrimination  poor  affordable  housing  social  benefit  profit  maximisation  Buy-To-Let  Council  working  precarious  Generation  Rent 
october 2018 by asterisk2a
No-fault evictions making hundreds of families homeless each week | UK news | The Guardian
In Germany, the landlord has to pay the tenant to leave, if no other circumstances/cause of eviction exist.
UK  profit  maximisation  housing  crisis  Generation  Rent  rentier  homeless  homelessness  nasty  party  Tories  Conservative  Theresa  May  JAM 
august 2018 by asterisk2a
Landlords react with fury to three-year tenancy plans | Money | The Guardian
Government says minimum-term proposal offers renters more security, but landlords claim most don’t want it
Generation  Rent  UK  Landlord  affordable  housing  social  crisis 
july 2018 by asterisk2a
What could Vienna’s low-cost housing policy teach the UK? | Society | The Guardian
Rent controls mean public sector workers and those on lower pay can afford to live and work in the Austrian capital // anti rentier // universal basic infrastructure
UK  housing  policy  crisis  rent  controls  social  affordable  Council  rentier 
december 2017 by asterisk2a
Russell Brand: Society is collapsing - BBC News
"Society is collapsing," the comedian tells the BBC, "and people are starting to recognise that the reason they feel like they're mentally ill is that they're living in a system that's not designed to suit the human spirit.
Anarchism  Russell  Brand  mental  health  self-medication  coping  mechanism  maladaptive  chronic  stress  loneliness  social  isolation  Facebook  Selbstdarstellung  Selbstwertgefühl  addiction  book  neoliberal  capitalism  Exploitation  Consumer  Consumerism  consumption  Precariat  Generation  Rent  working  poor  poverty  trap  Materialism  inequality  mobility  income  meritocracy  meritocratic  Competition 
october 2017 by asterisk2a
Homes are not assets to be passed on to children, says minister | Society | The Guardian
houses became a mini-social welfare net among families. and a helping hand in social/income mobility for those benefiting/children and children children. // also current gen funding elderly care have less wage, less money (inflation), less prospects, no mobility, student debt, and high rents.
Erbschaftsteuer  dementiatax  dementia  taxation  property  bubble  UK  housing  crisis  rentier  economy  Alzheimer  demographic  ageing  premature  social  care  adult  elderly  Council  bedblocking  bed  blocking  chronic  sick  population  sickcare  demand  healthcare  health  NHS  Austerity  asset  inheritancetax  inheritance  Generationengerechtigkeit  Generation  Rent 
october 2017 by asterisk2a
FactCheck: Theresa May’s claim about housing doesn’t give the full picture – Channel 4 News
There have been six full financial years since the Tories took office in 2010. In four of those years, the number of new houses being built was lower than it was at any time under Labour.
UK  social  housing  Council  affordable  Crisis  Austerity  cartel  duopoly  Generation  Rent  Generationengerechtigkeit  disposable  income  discretionary  spending  debt  bubble  growth  secular  stagnation  immigration  homeownership 
october 2017 by asterisk2a
Millennials spend three times more of income on housing than grandparents | Society | The Guardian
Millennials are spending three times more of their income on housing than their grandparents yet are often living in worse accommodation, says a study launched by former Conservative minister David Willetts that warns of a “housing catastrophe”. [....] They are four times as likely to rent privately than two generations ago, a sector which has the worst record for housing quality, the report claims.
Millennials  UK  housing  crisis  affordable  social  Generation  Rent  Generationengerechtigkeit  babyboomers  baby  boomers  disposable  discretionary  income  Spending  Generationy  GenY  oligopol  oligopoly  Corruption  lobby  vested  interest  bubble  underinvestment  Austerity  debt  revolving  door  asset  distortion  London  Productivity  output  gap  skills  student  loan  GFC  mortgage  risk  recovery  secular  stagnation  lost  lostdecade  decade  history  Margaret  Thatcher 
september 2017 by asterisk2a
Millennials wish they had grown up in baby boomers' times – survey | Money | The Guardian
Resolution Foundation study reveals growing concern about debt, job security, home ownership and retirement finances [...] “I feel sorry for millennials. They live in this low-wage economy now,” said one baby boomer. “I’m not sure how they’re going to afford anything. It’s dreadful.”
Babyboomers  Mark  Blyth  MarkBlyth  Millennials  Generationengerechtigkeit  poverty  trap  neoliberal  neoliberalism  Capitalism  Exploitation  affordable  housing  Generation  Rent  seeking  Rentier  UK  student  debt  job  security  Standard  of  Living 
september 2017 by asterisk2a
Plans to ban leaseholds on new-build homes in England - BBC News
Traditionally houses have nearly always been sold as freehold properties, meaning the buyer owns the building and land it is built on outright. [leasholde enables to 1 artificially lower price w the intention to jack up later bc leasehold enables you to do that. ludicrous to think to actually buy house but not own the land it sits on. this leasehold practice is not even the tip of the iceberg of the housing crisis and bubble territory. the tip of the iceberg has to be regulation and consumer rights/protections. shoddy builds for outrageous amounts of money. anybody remember Grenfell tower? ] MPs have described the situation as a "national scandal" and the "PPI of the housebuilding industry".
UK  Housing  Crisis  PPI  profit  maximisation  malicious  loophole  exploitation  affordable  Generation  Rent  leasehold  freehold  self-regulation  regulation  tax  evasion  avoidance  land  price  Bubble  speculative  speculation  regulators 
july 2017 by asterisk2a
Homebuyers desperate to know who really owns their freehold | Money | The Guardian
[ wild wild west ] A pass-the-parcel nightmare sees freeholds sold by major housebuilders to obscure companies which demand huge sums [... eg ] a fee charged without any material services provided [...] All the leaseholders who contacted Guardian Money are united in their frustration at finding out who is really behind the money extracted from them once their freehold is sold on.
Leasehold  freehold  land  value  tax  Housing  Crisis  Generation  Rent  Generationengerechtigkeit  disposable  income  discretionary  spending  exploitation  self-regulation  profit  maximisation  neoliberal  neoliberalism  Capitalism  evasion  avoidance  UK  regulation  regulators  Legal  Aid  LegalAid  underinvestment  Austerity  Eigentum  ownership  offshore  HMRC  corruption 
july 2017 by asterisk2a
Where have all the movers gone? - Council of Mortgage Lenders
It should be known by now that the policy of a home owning democracy supported by London and exploited by London was and is and will be a catastrophe to the productivity and skills of this economy. Because of the misdirected money flows into unproductive houses (capital, asset for retirement, welfare, social mobility of kids). To the contrary of Germany. When policy of capital investment is geared towards poductive investments, assets, capital, skills, expansion, R&D. And where renters have rights! //&! https://twitter.com/resi_analyst/status/880801297208889344 - The housing ladder only worked because of the unique economic conditions of the late 20th century. It's now broken and unlikely to recover. & https://twitter.com/tomhousing/status/881775765033025536 - and houses don't pay taxes (NI, pension pot).
Housing  Crisis  Generationengerechtigkeit  Generation  Rent  mortgage  ZIRP  QE  NIRP  UK  Lobby  Lobbying  Policy  speculation  ROI  underinvestment  malinvestment  productivity  output  gap  skills  economic  history  Brexit  London  shareholder  profit  maximisation 
july 2017 by asterisk2a
Four ministers were warned about tower block fire risks - BBC News
Four separate government ministers were warned that fire regulations were not keeping people safe, in letters that have subsequently been seen by the BBC.
In the leaked letters, experts warn that those living in tower blocks like Grenfell Tower were "at risk".
GrenfellTower  GrenfellTowerFire  Rentier  social  housing  affordable  Generation  Rent 
june 2017 by asterisk2a
The Conservatives quietly U-turn on their big manifesto promise to build "new generation of social housing" - Mirror Online
U-Turn no 10 - https://twitter.com/MirrorPolitics/status/871044024798412800 by Theresa May The Conservatives quietly U-turn on their big manifesto promise to build "new generation of social housing"
Housing minister Gavin Barwell has confirmed the Tories new social homes won't have council house rents - they will in fact probably be much higher
GE2017  social  housing  Council  affordable  Austerity  Generation  Rent  u-turn  Theresa  May  nasty  party  Rentier  nastyparty  Tories  Conservative 
june 2017 by asterisk2a
(453) James O'Brien (and Incorrigible) solve the housing crisis - YouTube
thatcher banned councils from borrowing money to build council houses/flats. ie w 50, 100 year loans. Councils would be making profit in the end by owning capital. Thatcher didnt like it, banned it. market and private capital knows best how to make profit. governments not allowed to make profits ROI on investment. Now +1bn housing benefit goes to private landlord. and 1/3 of ex council social housing is rented out by private landlords.
UK  Margaret  Thatcher  Privatisation  Social  Housing  affordable  Council  Tories  Conservative  Party  nasty  crisis  profit  maximisation  capitalism  Government  Capital  Kapital  ROI  rent  seeking  rentier  underinvestment  infrastructure  investment  GFC  recovery  immigration  demographic  bubble  England  economic  history  Tony  Blair  Labour  GE2017  Thomas  Piketty  neoliberal  neoliberalism  Brexit 
may 2017 by asterisk2a
Budget 2017: Hammond to tell us the Brexit vote could have been worse | Business | The Guardian
consumers carried on spending and businesses continued to expand.

The picture for the public finances is also looking rosier compared with Hammond’s maiden autumn statement in November. [...] But here’s what the chancellor will not tell you: living costs have gone up and will continue to do so. The poorest will be hit hardest as the cost of essentials such as food and heating take a growing chunk out of already tight family budgets. Wages will struggle to match rises in inflation and the government’s benefit cuts mean that incomes will fall for the poorest people in Britain. In short, unless the government does something significant to improve living standards this week, inequality will start rising again.
UK  JAM  working  poor  squeezed  middle  class  Precariat  Theresa  May  Philip  Hammond  Austerity  DWP  HMRC  inflation  wage  growth  social  mobility  inequality  income  Tories  Productivity  child  poverty  trap  output  gap  recovery  GFC  bank  bailout  nasty  party  Conservative  Generationengerechtigkeit  babyboomers  Millennials  generation  rent  living  standard  discretionary  spending  disposable  credit  taxation  household  debt  mortgage  housing  crisis  Consumer  Consumerism  economic  history  neoliberalism  interventionism  crony  capitalism  tax  evasion  avoidance  corporatism  Exploitation  zero  hour  contract  part-time  minimum  generational  divide  Triple  Lock  Pension 
march 2017 by asterisk2a
Homelessness expected to rise further as Government scraps housing benefit for young people | The Independent
cutting benefits will push up payments and cost of homelessness, destitution, drug abuse, crime, etc. - http://www.independent.co.uk/voices/housing-benefit-under-22-young-people-cut-theresa-may-save-money-ideological-cruel-a7612321.html?cmpid=facebook-post - Getting rid of housing benefit for 18 to 21-year-olds won't even save us that much money – it's ideological cruelty
When just 11,000 people will be affected (small fry in financial terms), it’s hard to escape the conclusion that the goal isn’t really to help people at all, but to punish them
JAM  UK  DWP  Austerity  Housing  Benefit  Council  Tories  generation  rent  nasty  party  Conservative  Disabled  ESA  destitution  JSA  sanctions  social  mobility  poverty  trap  Food  Bank  income  education  policy  Theresa  May  Philip  Hammond  Iain  Duncan  Smith  minimum  wage  living  standard  growth  child  working  poor  squeezed  middle  class  Precariat  Gini  Coefficient  CEO  pay  tax  evasion  avoidance  corporation  corporatism  bailout  crony  capitalism  neoliberalism  Damian  Green  Germany  Rentnerrepublik  babyboomers  inequality  Generationengerechtigkeit  generational  divide 
march 2017 by asterisk2a
Generation rent: official figures overstate UK home ownership - study | Society | The Guardian
Resolution Foundation finds barely half of British families own their own home in research highlighting rise of renting
UK  housing  crisis  affordable  property  bubble  generation  rent  social  Austerity 
december 2016 by asterisk2a
The referendum campaigns have revealed a fractured country | Politics | The Guardian
With more and more Britons seeing themselves as underdogs, unheard by politicians, both parties will have to work hard to reach out to them [ // more direct democracy ie referendums on big issues? // more devolution? ] //&! How can we heal a nation divided by the referendum? The debate over the UK’s future has revealed a country of strong feelings and distinct outlooks, with generations, classes and regions growing apart from each other - http://www.theguardian.com/politics/commentisfree/2016/jun/23/how-can-we-heal-a-nation-divided-by-the-referendum
Brexit  referendum  direct  democracy  demos  democracy  UK  England  Scotland  Westminster  No  Representation  austerity  poverty  Precariat  working  poor  immigration  GFC  economic  history  Gini  coefficient  social  mobility  Generation  Rent  NHS  Housing  Crisis  European  Union 
june 2016 by asterisk2a
Canada Overwhelmed By 100,000 Chinese Millionaire Immigrants - YouTube
Flaunting your wealth. No connection w your culture and heritage. [...] also land taxes based on property value make it not affordable for some ... [...] Chinese love their property, half of their wealth/portfolio ... // http://www.theglobeandmail.com/report-on-business/top-business-stories/canadian-house-prices-from-overvaluation-to-downright-zany/article30535075/ &! http://www.cbc.ca/news/business/canada-banks-mortgage-1.3643793 - Canadian banks could survive a 25% house price decline, Moody's says. Banking system would be fine even if Toronto and Vancouver see a crash, ratings agency says.
Beton  Gold  Betongold  Canada  USA  China  property  bubble  real  estate  bubble  UK  globalisation  globalization  immigration  economic  history  asset  allocation  affordability  affordable  housing  social  housing  Generation  Rent  rent-seeking  rentier  ZIRP  NIRP  QE  BOC  secular  stagnation  migration  valuation  asset  bubble  asset  liquidity  distortion  distorted  Germany  1%  Super  Rich  Gini  coefficient  inequality  Latin  America  BRIC  emerging  middle  class  India  Asia 
june 2016 by asterisk2a
IMF urges more spending to boost growth
Fund’s steering committee calls for more forceful stimulus and warns monetary policy alone is not enough //&! http://www.theguardian.com/business/imf //&! bit.ly/1V9pfhD - IMF chief: regulators long 'alarmed' over Panama's handling of taxation. Christine Lagarde responds to Panama Papers revelations, noting that authorities were concerned but did not take ‘expected’ action.
secular  stagnation  Panama  Papers  tax  evasion  tax  amnesty  tax  avoidance  corporate  tax  rate  labour  market  job  market  Service  Sector  Jobs  income  tax  receipts  budget2016  George  Osborne  David  Cameron  general  election  2015  general  election  2020  election  campaign  promises  Party  Funding  Richard  Koo  Confidence  Fairy  austerity  underinvestment  Generationengerechtigkeit  triple-lock  pension  fairness  Generation  Rent  Housing  Crisis  property  bubble  USA  UK  reflation  reflate  fiscal  policy  Pact  Schuldenbremse  Angela  Merkel  Wolfgang  Schäuble  GFC  sovereign  debt  banking  bank  bailout  job  creation  squeezed  middle  class  working  poor  disposable  income  discretionary  spending  IMF  OECD  credit  bubble  China  BRIC  recovery  Germany  economic  history  2016  Niall  Ferguson  budget  deficit  offshore  banking  investment  banking  TBTF  self-regulation  Greed  crony  capitalism  shareholder  capitalism  globalisation  globalization  global  economy  Oil  price  commodity  prices  ChristineLagarde  inequality  Gini  coefficient  income  mobility  social  mobility  low  pay  low  income  tax  credit  child  poverty  food  poverty  health  care  cost  health  care  demand  western  world  European  Union  Brussels  Brexit  Grexit  sick  population  health  economic  Union  Union  investment  policy  fiscal  me 
april 2016 by asterisk2a
Capitalism and Mental Health: How the Market Makes Us Sick
POVERTY TRAP! // we were never as miserable as a nation as ever before.
profit  maximisation  profit  maximization  underinvestment  austerity  shareholder  capitalism  capitalism  in  crisis  capitalism  capitalist  working  poor  Precariat  squeezed  middle  class  status  anxiety  materialism  consumerism  consumerist  well  being  mental  health  burnout  work  life  balance  exploitation  exploited  part-time  part-time  employment  Contractor  self-employment  Soziale  Marktwirtschaft  cortisol  poverty  trap  poverty  child  poverty  low  pay  low  income  shareholder  value  Wall  Street  disposable  income  discretionary  spending  Robert  Skidelsky  Slavoj  Žižek  Disabled  vulnerable  DWP  WCA  Iain  Duncan  Smith  Stephen  Crabb  George  Osborne  David  Cameron  public  health  public  health  policy  public  health  risk  liberal  economic  reform  neoliberal  neoliberalism  JSA  sanctions  Food  Bank  self-medication  substance  abuse  abuse  alcohol  abuse  alcoholism  binge  drinking  coping  mechanism  GP  health  care  cost  health  care  demand  NHS  homeless  homelessness  Housing  Generation  Rent  UK  USA  precarious  work  precarious  employment  isolation  child  protection  education  policy  Self-esteem  sociology  psychology  Wertegesellschaft  Gesellschaft  values  Gentrified  Gentrifzierung  gentrification  Beton  Gold  Betongold  urban  planning  urbanisation  rat  capitalism  class  economic 
april 2016 by asterisk2a
Tory party’s civil war | FT Comment
[ we are all in this together ] Lionel Barber, FT editor, and Janan Ganesh, political commentator, discuss the turmoil within the UK’s Conservative party, including the resignation of a cabinet minister following the government’s Budget. //&! Cameron’s Panama profits - https://youtu.be/jOm-24n16ik - skill full worded statements, No 10 was under lock-down.
George  Osborne  Budget2016  David  Cameron  PIP  Brexit  Tories  Conservative  Party  nasty  fairness  Panama  Papers  tax  evasion  tax  avoidance  tax  cut  corporate  tax  rate  austerity  Generationengerechtigkeit  babyboomers  triple-lock  pension  Generation  Rent  secular  stagnation  Richard  Koo  Niall  Ferguson  IMF  OECD  European  Union  Brussels  No  Representation  Career  Politicians  Toff  Privileged  Establishment  Super  Rich  1%  plutocracy  oligarchy  offshore  banking  PR  spin  doctor  Positioning 
april 2016 by asterisk2a
British households doing less cleaning, DIY and gardening, says ONS
[80% of 2015 GDP growth was consumer related][home improvement is bell weather signal] [...] Over the past decade British waistlines have expanded with obesity reaching crisis levels. Yet the ONS estimates that, in the home at least, the number of calories consumed has been falling. [...] Another significant change is the value put on “transport services” provided by households. This week record car sales were reported, jumping to more than 500,000 in March alone, yet the number of miles driven by households – to go to work or the shops, collecting children from school, etc – remains significantly below the levels recorded a decade ago. [...] It attributed the fall to petrol costs and pressure on household budgets after the financial crash. [...] . Time spent on DIY is down the most – by 20% since 2005. ...
recovery  disposable  income  discretionary  spending  DIY  homeownership  UK  property  bubble  Housing  Crisis  Generation  Rent  squeezed  middle  class  consumer  debt  household  debt  credit  card  debt  car  loan  ZIRP  NIRP  QE  mortgage  market  distortion  credit  payment  working  poor  low  pay  low  income  job  insecurity  private  debt  consumer  spending 
april 2016 by asterisk2a
Waiters And Bartenders Rise To Record, As Manufacturing Workers Drop Most Since 2009
On the surface, the March jobs reported was better than expected... except for manufacturing workers. As shown in the chart below, in the past month, a disturbing 29,000 manufacturing jobs were lost. This was the single biggest monthly drop in the series going back to December 2009. But not all is lost: as has been the case for virtually every month during the "recovery", virtually every laid off manufacturing worker could find a job as a waiter: in March, the workers in the "Food services and drinking places" category, aka waiters, bartenders and minimum wage line cooks, rose again to a new record high of 11,307,000 workers, an increase of 25K in the month, offsetting virtually all lost manufacturing jobs. This is how the two job series have looked since the start of 2015: 24k manufacturing jobs have been lost in the past 14 months compared to an increas of 365K food service workers.
UK  USA  job  creation  Manufacturing  industrial  policy  competitiveness  competitive  Service  Sector  Jobs  minimum  wage  low  pay  low  income  productivity  productivity  gap  recovery  economic  history  budget  deficit  income  tax  receipts  IRS  HMRC  trade  deficit  current  account  deficit  precarious  work  Precariat  squeezed  middle  class  job  loss  job  security  job  insecurity  working  poor  Contractor  Zero  Hour  Contract  Budget2016  George  Osborne  STEM  skills  gap  apprenticeships  2015  2016  China  BRIC  global  economy  global  trade  globalisation  globalization  outsourcing  self-employment  tax  free  income  tax  credit  social  safety  net  welfare  state  output  gap  participation  rate  babyboomers  western  world  secular  stagnation  Support  income  growth  wage  stagnation  disposable  income  discretionary  spending  household  debt  consumer  debt  credit  card  debt  car  loan  student  debt  Generation  Rent  Generationengerechtigkeit  tax  evasion  tax  avoidance  tax  amnesty  crony  capitalism  shareholder  capitalism  profit  maximisation  profit  maximization  Wall  Street  shareholder  value  multiplier-effect  austerity 
april 2016 by asterisk2a
Discussing the IMF’s research on inequality - an interview with Andrew Berg
Inequality and Unsustainable Growth (2011) - imf.org/external/pubs/ft/sdn/2011/sdn1108.pdf - what are the determinants of sustained growth (answer a middle class). phases of growth. institutional governance (tax evasion and tax avoidance). lobby, revolving door, no representation, career politicians. [...] redistribution should have win-win effect. //&! Richard Wilkinson: How economic inequality harms societies - youtu.be/cZ7LzE3u7Bw - national income per head (average) is not reflective (correlates) for health and child well-being measures, social capital (volunteering, Tories Big Society), mental health, prison population, social mobility. that is why Tories redefined fuel poverty & child poverty! That is why nominal GDP targeting is double edge sword (tax evasion and average national income per head, and being dependent on a industry for GDP (ie Brazil and resources, or south UK and banking - 80% of 2015 growth was consumtion). Leads to status anxiety & materialism/
inequality  Robert  Reich  Joseph  Stiglitz  Paul  Krugman  squeezed  middle  class  working  poor  CEO  pay  shareholder  capitalism  IMF  western  world  Super  Rich  1%  plutocracy  oligarchy  discretionary  spending  disposable  income  Generation  Rent  poverty  poverty  trap  meritocracy  meritocratic  income  distribution  American  Dream  child  poverty  Thomas  Piketty  income  growth  income  inequality  income  mobility  Gini  coefficient  social  mobility  income  redistribution  Universal  Basic  tax  credit  tax  free  income  tax  evasion  tax  amnesty  tax  avoidance  HMRC  Political  Governance  Career  Politicians  revolving  door  Lobbying  lobby  lobbyist  No  Representation  Niall  Ferguson  secular  stagnation  Elizabeth  Warren  Precariat  job  insecurity  welfare  state  social  safety  net  nominal  GDP  targeting  WHO  consumerism  materialism  status  anxiety  values  social  status  self-esteem  mental  health  well  being  GNP 
april 2016 by asterisk2a
George Osborne: A profile of the man behind the Budget - BBC Newsnight
// 70% of UK economy growth (GDP), 2015, was consumption. // and trade deficit/current account deficit for 2015, biggest ever on record ---- The UK's current account deficit widened to a record high in the final quarter of last year.
The deficit in the three months to December was £32.7bn, the equivalent of 7% of GDP, said the Office for National Statistics (ONS).
For all of 2015, it came to £96.2bn or 5.2% of GDP. Both figures were the highest since records began in 1948.
A current account deficit means the value of imports of goods, services and investment income exceeds exports.[...] "An obvious potential trigger for the markets losing confidence in the UK economy could be a vote to leave the EU in the 23 June referendum." [ harder to finance w weak Sterling and higher interest rates, rating agencies hinted at the case of a downgrade of UK's credit worthieness ] - bbc.in/1ZMEvAg
Budget2016  George  Osborne  Career  Politicians  austerity  economic  history  Tories  Conservative  Party  nasty  David  Cameron  Brexit  HS2  minimum  wage  living  wage  budget  deficit  trade  deficit  secular  stagnation  recovery  Toff  No  Representation  Privileged  Establishment  demographic  bubble  bank  bailout  Positioning  dogma  ideology  neoliberal  neoliberalism  spin  doctor  PR  disposable  income  discretionary  spending  wage  stagnation  squeezed  middle  class  consumer  debt  household  debt  credit  card  debt  Student  Loan  Generation  Rent  underinvestment  Richard  Koo  Japan  nominal  GDP  targeting  GDP  growth  of  income  shareholder  capitalism  crony  capitalism  current  account  deficit  GBP  Sterling  business  confidence  global  economy  fault  lines  ZIRP  NIRP  QE  BOE  Mark  Carney 
march 2016 by asterisk2a
Konzept gegen Wohnungsnot: Höher, enger, dichter
In deutschen Großstädten fehlen Wohnungen und freie Flächen. Die sogenannte "Nachverdichtung" könnte die Wohnungsnot mindern. Das Potenzial ist groß - doch Anwohner sind oft alles andere als begeistert. [ ... In ballungsgebieten ...] 2030 würden dann bereits eine Million Wohnungen fehlen. [...] Das gelingt nicht immer. Wird zu stark verdichtet, geht das zulasten der Wohnqualität - die Menschen leiden unter mehr Lärm und Verkehr, haben weniger Freizeitflächen in ihrer Umgebung. Entstehen mehrheitlich Eigentums- oder teure Mietwohnungen, ist der neue Wohnraum für viele nicht bezahlbar - das beschleunigt die Gentrifizierung. [... Active change in Planning Laws to allow new types of developments ... ] Die Bundesregierung unterstützt Nachverdichtung, indem sie Kommunen zum Beispiel mehr Spielräume für die Bebauung von Innenstadtflächen einräumt.
Skyscraper  urban  planning  urbanisation  public  transport  public  transportation  pollution  affordability  affordable  housing  standard  of  living  living  standard  city  living  quality  of  life  noise  pollution  air  pollution  Micro  Apartment  minimalism  minimalismus  Gentrified  Gentrifzierung  gentrification  Generation  Rent  mega  city  urban  living  urban  transportation  commute  commuter  commuting 
march 2016 by asterisk2a
Budget 2016 shows Osborne's failure on debt, surplus, GDP
// higher in-work poverty
budget2015  budget2016  budget2010  general  election  2010  general  election  2015  PR  spin  doctor  economic  history  Positioning  Richard  Koo  austerity  underinvestment  dogma  ideology  policy  folly  policy  error  George  Osborne  David  Cameron  nasty  party  Iain  Duncan  Smith  corporate  tax  rate  corporate  welfare  corporate  subsidies  tax  evasion  tax  avoidance  Google  Inc.  shareholder  capitalism  bank  bailout  budget  deficit  Tories  Conservative  secular  stagnation  aggregate  demand  babyboomers  ageing  population  Northern  Powerhouse  triple-lock  pension  pension  obligation  Generationengerechtigkeit  fairness  Generation  Rent  property  bubble  Service  Sector  Jobs  job  creation  squeezed  middle  class  working  poor  precarious  work  tax  credit  wage  stagnation  productivity  output  gap  Gini  coefficient  income  tax  receipts  tax  code  Zero  Hour  Contract  part-time  underemployment  underemployed  low  pay  low  income  BOE  ZIRP  NIRP  QE  consumer  debt  household  debt  credit  card  debt  election  campaign  promises  car  loan  student  debt  discretionary  spending  disposable  income  child  poverty  Food  poverty  tax  credit  Privatisation  Council  Public  Services  Social  Services  bed  blocking  education  policy  skills  gap  Academy  underinvestment  NHS 
march 2016 by asterisk2a
German Banks Told To Start Hoarding Cash | Zero Hedge
In order to generate artificial economic growth, the ECB wants banks to make as many loans as possible, no matter how stupid or idiotic. They believe that economic growth is simply a function of loans. The more money that’s loaned out, the more the economy will grow. This is the sort of theory that works really well in an economic textbook. But it doesn’t work so well in a history textbook. Cheap money encourages risky behavior. It gives banks an incentive to give ‘no money down’ loans to homeless people with no employment history. It creates bubbles (like the housing bubble from 10 years ago), and ultimately, financial panics (like the banking crisis from 8 years ago). Banks are supposed to be conservative, responsible managers of other people’s money. When central bank policies penalize that practice, bad things tend to happen.
Richard  Koo  aggregate  demand  austerity  fiscal  policy  Pact  Schuldenbremse  economic  history  ZIRP  NIRP  QE  distortion  financial  repression  hunt  for  yield  speculative  bubbles  speculative  speculation  Venture  Capital  Mutual  Fund  Private  Equity  reflate  reflation  recovery  GFC  debtoverhang  liquidity  trap  zombie  banks  deleveraging  Debt  Super  Cycle  secular  stagnation  consumer  wage  stagnation  squeezed  middle  class  disposable  income  discretionary  spending  marginal  propensity  to  consume  tax  evasion  tax  avoidance  oligarchy  plutocracy  Super  Rich  1%  household  car  loan  credit  card  student  loan  student  loan  student  Bubble  generation  rent  OMT  job  creation  Service  Sector  Jobs  working  poor  precarious  work  Precariat  Zero  Hour  Contract  Contractor  Leiharbeit  Zeitarbeit  Agenda  2010  low  pay  low  income  TLTRO  LTRO  monetary  transmission  mechanism  velocity  of  money 
march 2016 by asterisk2a
This Letting Agent Admits The Housing Shortage Is Good News For Landlords - BuzzFeed News
[ Lord Adair Turner book & Richard Koo; banks tend 2 lend 2 property & land rather than productivity/businesses. risk averse, if the family cant pay the mortgage any more, than at least u have not lost all the money! less risky! Its also partly rentier behaviour of banks. // also BOE has to be concerned about future disposable income; rent & utilities eating up 50%-75% of income thus less for consumption! ] “Landlords’ balance sheets are looking healthier than at any point since 2014, and property investors are looking at an excellent rate of return from their portfolios.” Gill warned that changes to stamp duty announced in chancellor George Osborne’s Autumn Statement and due to take effect on 1 April – people selling buy-to-let investments will pay an extra 3% – were bad news for landlords. But overall, the “consistent and developing lack of housing for across all tenures, for a spiralling population” meant the level of demand for rental properties would not reduce, he said.
property  bubble  speculative  bubbles  asset  bubble  asset  allocation  macroprudential  policy  Generationengerechtigkeit  generation  rent  Housing  Crisis  social  affordable  distortion  ZIRP  NIRP  QE  aggregate  demand  Right  to  Buy  Buy-to-Let  Help  to  Buy  Scheme  Help  to  Save  policy  folly  policy  error  consumer  debt  household  debt  budget  deficit  recovery  mortgage  market  credit  bubble  GFC  bank  bailout  BOE  zombie  banks  rentier  rent-seeking  Richard  Koo  underinvestment  productive  investment  infrastructure  investment  zombie  consumer  industrial  policy  economic  history  Mark  Carney  financial  repression  behavioral  finance  behavioral  economics  herding  herd  hunt  for  yield  leverage  margin  trading  equity  bubble  Gini  coefficient  disposable  income  discretionary  spending  VAR  CDO  CDS  risk  aversion  squeezed  middle  class  secular  stagnation  inequality  UK  generational  contract  lost  generation  constituency  Tories  Conservative  Party  nasty  David  Cameron  George  Osborne  general  election  2015  general  election  2020  fiscal  policy  austerity  monetary  policy  liquidity  trap 
february 2016 by asterisk2a
Help-to-buy loan scheme nets Treasury £213m in paper profit | Money | The Guardian
[ gov is not co-owner of private property! Make away with Nurse Bursaries and other gov support for education. But support the property price! by keeping supply always lower than demand. and use policy to increase demand w subsidies! where to put their savings! & subsidy for builders ] Rising house prices across much of England mean a government scheme to help buyers of newbuild property may have made more than £200m for the Treasury in its first two-and-a-half years. The help-to-buy equity loan scheme gives buyers an interest-free loan for five years in return for a percentage stake in their property. When the home is sold, the buyer returns the same percentage of the sale price, meaning that any fall or rise in house prices affects the return. Analysis by property firm Hometrack and shared with the Guardian suggests that a surge in house prices in some areas means the total value of homes bought through the scheme since its launch in April 2013 has increased by more than £1bn.
property  bubble  UK  speculative  bubbles  Housing  Crisis  affordable  social  Help  to  Buy  Scheme  Right  to  Buy  Buy-to-Let  Help  to  Save  budget  deficit  austerity  constituency  Party  Funding  babyboomers  BOE  macroprudential  policy  mortgage  market  ZIRP  NIRP  QE  hunt  for  yield  distortion  financial  repression  household  debt  consumer  debt  credit  card  debt  Generationengerechtigkeit  generation  rent  fairness  asset  bubble  asset  allocation  NPL  subprime  Payday  Loans  car  loan  student  debt  student  loan  debt  student  loan  Tories  fiscal  policy  monetary  policy  policy  error  policy  folly  Conservative  Party  nasty  short-termism  voter  turnout  disenfranchise  disenfranchised  David  Cameron  George  Osborne  underinvestment  infrastructure  investment  productive  investment  recovery  Richard  Koo  balance  sheet  recession  deleveraging  debtoverhang  zombie  consumer  zombie  banks  zombie  corporations  secular  stagnation  Privatisation  trickle-down  economics  dogma  ideology  GFC  bank  bailout  subsidies  subsidizing  corporate  welfare 
february 2016 by asterisk2a
The Guardian view on starter homes: stop them now | Editorial | Opinion | The Guardian
The Guardian view on starter homes: stop them now. A policy supposed to spread house ownership more widely will end up bribing the rich with taxes on the poor //&! Spin and Positioning of PM Cameron at work in PMQ on housing crisis (rent sector lacking rights to decent homes) - bit.ly/1V30QXL - bit.ly/1QVAEx5 - 'We can only do XYZ with a strong economy!' 'We can only have the NHS with a strong economy.' << bit.ly/1Qua1S5 >> 'How do we pay for the NHS?! More growth! More jobs! More people having a livelihood! ... &! Said PMQ vertict - bit.ly/1Q8IAhy &! More of said session - bit.ly/1orUqHo //&! An actual analysis of Cameron's rebuttal, which factually doesn't stand up; bit.ly/1QrsdHa - Spin Master at work/misrepresentation; homelessness, social housing,
Starter  Home  generation  rent  social  housing  affordable  housing  Help  to  Save  Help  to  Buy  Scheme 
february 2016 by asterisk2a
Affordable housing: David Cameron’s starter homes plan is not the solution | Society | The Guardian
Affordable housing: David Cameron’s starter homes plan is not the solution A proposal to create ‘starter homes’ selling for 20% below market rate may be good news for developers, but is unlikely to make them build more houses. [...] Even if the starter homes plan does lead to an uptick in building, these are homes that will be on the market to buy, not for rent. They will give those who might have used the existing help to buy scheme an alternative choice, but they don’t offer an affordable alternative to homeownership, or an option for the priced-out. Mortgage rates mean that homes are relatively cheap to own, but expensive to buy, and raising a deposit for a home that can cost up to £250,000 outside London and £450,000 in London is no mean feat. To take a 95% mortgage on a £200,000 property you are looking at £10,000, plus stamp duty and other charges. Try saving that up when your rent is rising each year. //&! bit.ly/1Tcvlg6 - Cameron has to buy off his MP's constituency on policy
subsidies  subsidizing  Help  to  Buy  Scheme  Buy  to  Rent  Starter  Home  Housing  Crisis  social  affordable  benefit  constituency  Party  Funding  babyboomers  Generationengerechtigkeit  fairness  property  bubble  asset  bubble  Help  to  Save  Right  to  Buy 
february 2016 by asterisk2a
Starter homes will 'stymie social mobility' | Money | The Guardian
Shelter warns that David Cameron’s homebuilding policy will be out of reach for those on average earnings, while others say it may divide communities //&! Taylor Wimpey warns over plan to build discounted homes for first-time buyers. Housebuilder questions how proposed 20% saving on more than 200,000 properties would be implemented and its impact on affordable housing sector - bit.ly/1SdH4dS //&! new legislation that fails to address the problem of affordable rented housing - bit.ly/1O2XMIM //&! Britain’s biggest housebuilder and smaller rival Galliford Try report confident outlook thanks to government-backed schemes such as help to buy - bit.ly/1OQQvgM //&! Property has become a subsidized asset bubble for the well off upper quarter of British households! Tories main constituency, especially in the South! //&! Policy is attack in social and affordable housing! Privatisation through the back door. But not solving. PM just positions himself and it at it! spin! - bit.ly/1OJlYgt
Starter  Home  Help  to  Buy  Scheme  Buy  to  Rent  property  bubble  aggregate  demand  Housing  Crisis  social  affordable  Privatisation  benefit  Help  to  Save 
february 2016 by asterisk2a
Housing: Corbyn and Cameron clash over 'right-to-buy' - BBC News
[ micro/macro econ policy folly / error to promote home ownership. the only asset of UK households hold ... has to be kept afloat! by any means necessary. + Help to Buy ] The way the government intends to pay for its plans to allow social tenants in England to buy their homes is "extremely questionable", MPs say. The Commons Communities Committee criticised the funding model for the right-to-buy scheme, which will see housing associations reimbursed for selling homes to tenants at discounts. [ AND WITH THE MONEY THEY WANT TO BUILT STARTER HOMES FOR THE 30-20% of UK HOUSEHOLDS THAT CAN AFFORD A DOWN PAYMENT OF A 250-400k HOME. ] &! bit.ly/1hpXShr - PM will promise to tear up planning rules in effort to encourage developers to build more housing for first-time buyers //&! Buy to Rent w its tax breaks is a subsidy for privileged! & MPs say it should be paid for directly rather than via council house sales. Ministers say it will help create a million new homeowners by 2020.
Right  to  Buy  property  bubble  asset  allocation  household  debt  consumer  debt  credit  card  debt  car  loan  mortgage  market  affordable  housing  social  housing  Starter  Home  Crisis  David  Cameron  Tories  nasty  party  Conservative  short-termism  constituency  Funding  general  election  2020  general  election  2015  election  campaign  promises  Manifesto  generation  rent  Generationengerechtigkeit  speculative  bubbles  aggregate  demand  Supply  and  and  Supply  macroprudential  policy  Buy  to  subsidies  subsidizing  Help  to  Buy  Scheme  Privatisation 
february 2016 by asterisk2a
If we want to solve the housing crisis, we must answer these three questions | Paul Mason | Opinion | The Guardian
[ prices have to stay afloat by any means, or conservatives are out for the next decade or two as they have done nothing to balance two sides. they continued to inflate the bubble further. proclaiming uk as home owning nation. ] If you then dramatically slash the supply of social housing, through right-to-buy and reduced council building, you create a permanent imbalance that turns home ownership into a form of asset investment. What you get then is boom and bust. And the only way to cure the bust is for the government to greet every collapse in market prices with effective state subsidies for home ownership. This, in turn, induces a speculative frenzy of one way bets – on development, on buy to let, on off-plan investment buying from abroad.
Housing  Crisis  social  affordable  property  bubble  Starter  Home  speculative  bubbles  distortion  macroprudential  policy  BOE  Buy  to  Rent  Help  to  Buy  Scheme  policy  error  policy  folly  subsidies  subsidizing  short-termism  opportunist  Opportunism  Career  Politicians  George  Osborne  David  Cameron  Mark  Carney  mortgage  market 
february 2016 by asterisk2a
UK trade deficit widens further as exports suffer | Business | The Guardian
Nevertheless, the UK’s goods trade gap with the rest of the world widened by £1.9bn to a record high of £125bn in 2015. Howard Archer, chief UK economist at IHS Global Insight, said: “UK exports have clearly struggled in recent months, as they have been hampered by sterling’s overall strength in 2015, particularly against the euro, and moderate global demand. [...] Recent declines in the value of sterling are expected to support exports sales, though the deteriorating global situation could mitigate against an improved exchange rate. [...] “Nonetheless, any progress in reducing the trade deficit is likely to be extremely slow in the near term, leaving the recovery reliant on domestic demand.” [...] [ you can lower your corp tax, but if your country is shitty in business environment ie infrastructure and employee qualifications and immigration ... nobody wants to do business ]
UK  trade  deficit  current  account  deficit  budget  deficit  tax  reciepts  2015  2016  recovery  secular  stagnation  underinvestment  business  investment  austerity  economic  history  global  economy  emerging  market  Frontier  Markets  BRIC  foreign  direct  investment  productive  investment  infrastructure  investment  Richard  Koo  consumer  debt  household  debt  credit  card  debt  car  loan  Student  Bubble  debt  servitude  discretionary  spending  government  spending  disposable  income  generation  rent  ZIRP  NIRP  QE  liquidity  trap  zombie  corporations  zombie  consumer  distortion  financial  repression  speculative  bubbles  hunt  for  yield  fiscal  policy  monetary  policy  BOE  property  Housing  Crisis  George  Osborne  competitiveness  productivity  output  gap  job  creation  Service  Sector  Jobs  corporate  tax  rate  corporate  welfare  subsidies  subsidizing  immigration  migration  Super  Cycle 
february 2016 by asterisk2a
Christine Lagarde: Housing is key issue for security of UK economy - BBC News
The UK's recent growth, employment progress and deficit reduction have been "strong", the International Monetary Fund (IMF) has said. Underlying economic vulnerabilities, including the supply and demand for housing, have been addressed and steady growth looks set to continue, it said. The IMF's Christine Lagarde said there were still some risks.
UK  Housing  Crisis  property  bubble  generation  rent  speculative  bubbles  Buy  to  macroprudential  policy  fiscal  policy  planning  law  monetary  policy  mortgage  market  austerity  budget  deficit  neoliberalism  IMF  OECD  neoliberal  trickle-down  economics  economic  history  ChristineLagarde  Privatisation  affordable  social  discretionary  spending  disposable  income  consumer  debt  household  debt  credit  card  debt  car  loan  secular  stagnation  wage  stagnation  squeezed  middle  class  Precariat  working  poor  job  creation  Service  Sector  Jobs  low  pay  minimum  wage  low  income  Zero  Hour  Contract  part-time  Contractor  recovery  productivity  output  gap  credit  bubble  debt  servitude  debtoverhang  liquidity  trap  Richard  Koo 
february 2016 by asterisk2a
A day in court showed me the misery of Britain’s housing policy | Polly Toynbee | Opinion | The Guardian
The housing crisis they inherited has worsened as rents rise, but David Cameron and George Osborne’s cuts to social housing are a bizarre response: the housing and planning bill going through parliament marks the end of the social housing era. Not by accident but by deliberate policy, 88,000 council homes to rent will be lost, says the Conservative-controlled Local Government Association. Labour says the total will be 180,000 by 2020. Money is sucked out of social housing into the Treasury, as the 1% rent cut saves on the housing benefit bill by stealing funds due to pay for new social homes. Half of all renters get some housing benefit, with the continuous rise in rents. Cutting that support simply propels more into homelessness.
poverty  trap  poverty  social  housing  affordable  housing  Crisis  UK  DWP  Universal  Credit  Council  Starter  Homes  David  Cameron  precarious  work  Precariat  working  poor  Zero  Hour  Contract  Contractor  part-time  nasty  party  trickle-down  economics  neoliberalism  neoliberal  Privatisation  post  code  lottery  Gini  coefficient  income  mobility  social  mobility  inequality  Generationengerechtigkeit  fairness  generation  rent  George  Osborne  budget  deficit  tax  evasion  tax  avoidance  corporate  welfare  subsidies  subsidizing  corporate  tax  rate  general  election  2015  election  campaign  promises  Manifesto  austerity  policy  folly  policy  error  dogma  ideology  constituency  fearmongering  Fear  manufactured  consent  PR  spin  doctor  Positioning  Tories  Conservative  tax  Westminster  Toff  Privileged  Establishment  child  poverty  education  policy  job  security  insecurity  uncertainty  well  being  mental  health  Depression  health  inequality  food  poverty  budget2015 
february 2016 by asterisk2a
Cameron: Labour doesn’t believe in home ownership – video | Society | The Guardian
home ownership is the only wealth item in privates balance sheet. but as we know from history, dont base ur wealth on one asset. particular houses. houses/flats are there to be lived in. & maybe move out & into a new one, moving city for new or better job. property should not be prioritised as singular wealth storage // USA promoted home ownership // Tories policy is helping people save, and buy, keeping the house prices going up an up and up. // &! Complete Privatisation of housing market; Ministers want to get rid of social housing, former civil service chief to say. Lord Kerslake to say housing bill will force councils to sell off more than 100,000 homes to subsidise right-to-buy discounts - bit.ly/1Qr1FKr - The former head of the civil service will accuse government ministers this week of trying to phase out social housing altogether in favour of a new generation of “starter” homes that will be unaffordable for people on low incomes. //&! bit.ly/20lvGOp Privatisation a disaster
nasty  party  policy  folly  policy  error  Makers  generation  rent  Tories  Conservative  mortgage  market  property  bubble  Housing  Crisis  household  debt  consumer  debt  credit  card  debt  zombie  consumer  subprime  cost  of  living  standard  of  living  Help  to  Buy  Scheme  Right  to  Buy  Buy-to-Let  Help-to-Save  macroprudential  policy  wealth  distribution  wealth  management  austerity  neoliberalism  neoliberal  social  affordable  Privatisation  budget  deficit  Council  Public  Services  Services  David  Cameron  George  Osborne  budget2015 
january 2016 by asterisk2a
NHS chief demands political consensus on funding elderly and social care | Society | The Guardian
Stevens believes David Cameron’s administration should look at all the options for finding the billions of pounds needed, including revisiting the “triple lock”, which guarantees Britain’s pensioners generous annual increases in their state pension until 2020. [ ie could tax big pensions! progressive tax on income vs flat income tax/NI and sugar tax, food chain tax, animal products tax, processed food tax, engineered food tax ] In an interview with the Guardian, Stevens suggested ministers should be prepared to risk upsetting Britain’s growing army of senior citizens by looking at whether the benefits they receive are fair to working-age and younger people. [...] Last week, the House of Commons work and pensions select committee launched an inquiry into income inequality between older and younger people. [...] [babyboomers get 118% out of what they've paid] //&! bit.ly/1OscF7D - how much is sick population willing to pay?
NHS  ageing  population  premature  ageing  babyboomers  demographic  bubble  chronic  diseases  diet-related  disease  cancer  diabetes  obesity  heart  disease  UK  health  care  budget  health  care  spending  health  care  health  crisis  sick  population  staff  morale  locum  staff  staff  shortage  Generationengerechtigkeit  fairness  progressive  tax  code  Sugar  Standard  American  Diet  food  industry  Nudge  theory  intervention  prevention  elderly  care  adult  social  care  Public  Services  Services  austerity  national  insurance  generation  rent  lost  generation  Millennials  GP  mental  health  mental  illness  health  inequality  post  code  lottery  Simon  Stevens 
january 2016 by asterisk2a
Sean Bean’s battle cry: ‘I despair at the state of further education’ | Education | The Guardian
fight to save colleges from threat of funding cuts //&! The Tories’ assault on further education will cost Britain dearly. Colleges have been battered by cuts already – another round could destroy them. It is time we made David Cameron talk about it - http://bit.ly/1QeZ46n
education  policy  social  mobility  income  mobility  social  safety  net  welfare  state  austerity  post  code  lottery  inequality  UK  George  Osborne  Generationengerechtigkeit  Tories  nasty  party  Conservative  David  Cameron  constituency  babyboomers  budget2015  short-termism  budget  deficit  dogma  ideology  Career  Politicians  No  Representation  social  democracy  democracy  fairness  generation  rent  student  loan  debt  student  loan  Bubble  discretionary  spending  disposable  income  student  debt  debt  servitude  consumer  debt  credit  card  debt  household  debt 
january 2016 by asterisk2a
Under-40s worse off as result of state pension changes, data shows | Money | The Guardian
[ how do you save up when you can afford housing (nor even a mortgage, have credit cards (drinks and presents), and student loan. all the while tories help to prop-up the property bubble, the only wealth uk households actually have! ] Most people now in their teens, 20s and 30s will be worse off as a result of changes to the state pension system, while millions of older people will gain, according to the government’s own figures. The data will fuel concern that millions of younger people are suffering from the effects of what has been dubbed “intergenerational unfairness”, partly caused by the government targeting money and resources at the older generation. DWP issued the data to back up its assertion that the introduction of the new flat-rate state pension in April “will make millions of people better off” – but the figures also provide stark confirmation that younger people will be losers from the changes.
DWP  George  Osborne  Iain  Duncan  Smith  pension  scheme  pension  obligation  public  pension  pension  fund  constituency  babyboomers  Generationengerechtigkeit  fairness  bank  bailout  GFC  neoliberalism  neoliberal  PR  general  election  2015  general  election  2010  election  campaign  promises  budget  deficit  corporate  welfare  tax  evasion  tax  avoidance  Positioning  spin  doctor  manufactured  consent  generation  rent  Housing  Crisis  student  loan  debt  debt  servitude  student  loan  Bubble  student  debt  credit  card  debt  household  debt  retirement  consumer  debt  car  loan  generational  contract  lost  generation  Millennials  zombie  consumer  materialism  status  anxiety  Celebrity  of  You  Tories  Conservative  Party  nasty  demographic  ageing  population  OAP  UK  western  world  secular  stagnation  property  mortgage  market  Help  to  Buy  Right  to  Buy  Buy-to-Let  wealth  distribution  plutocracy  Gini  coefficient  inequality  squeezed  middle  class  working  poor  low  income  tax  credit  precarious  work  Precariat  wage  stagnation  minimum  wage  wage  growth  income  growth  social  mobility  income  mobility  globalisation  globalization  flat  world  borderless  Policy  Makers  Westminster  Toff  Privileged  Establishment 
january 2016 by asterisk2a
Jeremy Paxman: 'If you didn't vote, you're a moron' - YouTube
Charlie Brooker's Election Wipe 2015 - youtu.be/06520wqQV84 - //&! Jeremy Paxman & John Bishop on the state of our politicians! - youtu.be/ql-UKAXjCVE - only an idiot (Cameron) would want to celebrate people send to certain death, comparing it with the golden jubilee. //&! Jeremy Paxman: why the SNP are like Obi Wan Kenobi - youtu.be/Fdj7e7DSjaE
voter  turnout  Career  Politicians  No  Representation  UK  general  election  2015  babyboomers  constituency  demographic  bubble  Generationengerechtigkeit  fairness  austerity  premature  ageing  ageing  population  NHS  OAP  sick  population  health  crisis  chronic  diseases  diet-related  disease  cancer  diabetes  obesity  epidemic  obesity  overweight  heart  disease  A&E  Toff  Privileged  Establishment  Westminster  David  Cameron  George  Osborne  disenfranchise  disenfranchised  Perspektivlosigkeit  Precariat  working  poor  GFC  bank  bailout  generation  rent  Housing  Ed  Miliband  Jeremy  Hunt  Iain  Duncan  Smith  DWP 
january 2016 by asterisk2a
Thomas Piketty on Capitalism, Corbyn and why Zuckerberg is getting it wrong - BBC Newsnight - YouTube
home ownership in UK is biggest item of UK's household wealth. 2/3rd of housing is owned. other 3rd is rented. that is why the property bubble/prices have to be kept afloat. otherwise balance sheet recession > deleveraging > debt servitude > lower consumption rate > cratering UK economy as ~70% of UK economy is based on consumption. // blaming others (ISIS) for radicalization. but who put them in this place to be radicalized, in the first place? inequality, youth unemployment. // COP21, western world do not face their historical obligation! // world wealth and income database - www.wid.world
philanthropy  Thomas  Piketty  Mark  Zuckerberg  Bill  Gates  social  mobility  income  mobility  Gini  coefficient  meritocracy  meritocratic  Alain  de  Botton  UK  George  Osborne  property  bubble  tax  code  progressive  taxation  Help  to  Buy  Scheme  Buy  to  Rent  rent-seeking  rentier  generation  GFC  bank  bailout  austerity  fairness  Generationengerechtigkeit  Tories  Conservative  Party  David  Cameron  budget2015  inequality  income  inequality  youth  unemployment  radicalization  islamic  radicalism  radicalisation  Islamophobia  ISIS  disenfranchise  disenfranchised  Perspective  Perspektivlosigkeit  COP21  debt  servitude  Super  Cycle  household  debt  private  debt  credit  card  debt  car  loan  credit  card  consumer  debt  debtoverhang  2015  2016  fiscal  policy  Makers  vested  interest  interest  groups  monetary  policy  ZIRP  NIRP  QE  distortion  Super  Rich  1%  plutocracy  democracy  No  Representation  social  democracy  Career  Politicians  constituency  babyboomers  general  election  2015  election  campaign  promises  Manifesto 
january 2016 by asterisk2a
Osborne warns of 'dangerous cocktail' of economic risks - BBC News
[ repeat phrases - "strong economy", "strong economy, strong NHS" ] The UK faces a "cocktail" of serious threats from a slowing global economy as 2016 begins, Chancellor George Osborne has warned. Speaking in Cardiff, Mr Osborne said this year is likely to be one of the toughest since the financial crisis. He told business leaders that far from "mission accomplished" on the economy, "2016 is the year of mission critical". His message is in stark contrast to the positive tone of his Autumn Statement, when he said the UK was "growing fast". [...] that the Autumn Statement had put in place a four-year plan to restore the UK's public finances, and make the economy more productive, with businesses more competitive so they could create jobs. [...] Mr Osborne told the Today programme the UK's economic recovery was not "a debt-fuelled recovery", citing the support of the governor of the Bank of England in his assessment. [ not public, but private household debt! ]
George  Osborne  Career  Politicians  PR  spin  doctor  budget2015  Tories  Conservative  Party  nasty  austerity  underinvestment  productive  investment  productivity  output  gap  job  creation  wage  growth  consumer  debt  household  debt  Positioning  energy  policy  competitiveness  renewable  energy  corporate  welfare  corporate  tax  rate  Generationengerechtigkeit  fairness  subsidies  subsidizing  NHS  Jeremy  Hunt  David  Cameron  general  election  2015  election  campaign  promises  Manifesto  constituency  babyboomers  Opportunism  opportunist  Oil  price  bank  bailout  fiscal  policy  monetary  policy  Housing  Crisis  affordable  generation  rent  property  bubble  NPL  mortgage  market  car  loan  credit  card  debt  budget  deficit  balance  sheet  current  account  deficit  trade  deficit  borderless  flat  world  globalisation  globalization  debt  servitude  debtoverhang  student  loan  debt  private  debt  sovereign  debt  corporate  debt  student  debt  student  loan  Maintenance  Grant  Education  Maintenance  Allowance  ZIRP  NIRP  QE  distortion  BOE  Buy-to-Let  Help  to  Buy  Scheme 
january 2016 by asterisk2a
Economy concerns as household debt rises to £40bn in latest figures | Business | The Guardian
Families are expected to run up £40bn of debt this year, sparking fears about Britain’s economic recovery. [...] (OBR) forecasts have found that households have moved from a surplus of £67bn in 2010, the year the coalition took power, to a £40bn deficit this year. Unsustainable borrowing is on course to near the levels reached in the run-up to the 2008 financial crash, according to Labour. Seema Malhotra, the shadow chief secretary to the Treasury, said: “George Osborne is relying on millions of British families going further into debt to hit his growth targets. [ as projected by economists, that household had to take up debt, shifting debt burden off the public balance sheet, when austerity plans were revealed together with LibDems, to meet growth targets/estimates, back then. same w decistions to increase student loans, convert grants into loan ie for nursing, remove allowances and grants. same w the green bank. shifting items off the balance sheet. and underinvestment. ]
economic  growth  austerity  trickle-down  economics  underinvestment  George  Osborne  nasty  party  Tories  Conservative  neoliberalism  neoliberal  budget  deficit  Student  Maintenance  Grant  Education  Maintenance  Allowance  debt  loan  debt  loan  Student  Bubble  generation  rent  Generationengerechtigkeit  fairness  policy  Liberal  Democrats  household  debt  consumer  debt  squeezed  middle  class  working  poor  credit  card  debt  credit  card  car  loan  Precariat  precarious  work  child  tax  credit  working  tax  credit  tax  credit  wage  stagnation  income  growth  inequality  Gini  coefficient  rat  race  status  anxiety  status  symbol  debt  servitude  debtoverhang  sovereign  debt  crisis  Super  Cycle  ZIRP  NIRP  mortgage  market  property  hunt  for  yield  QE  New  Normal  macroprudential  policy  macroeconomic  policy  microeconomic  policy  debt  monetisation  debt  monetization  debt  private  debt  Privatisation 
december 2015 by asterisk2a
The end of life tenancies for council houses will be a costly mistake | Deborah Orr | Opinion | The Guardian
The Conservatives believe fear is a great motivator. You’ll work harder if you fear losing your job. (Although job insecurity doesn’t seem to have done much to improve UK productivity.) You’ll get a job if you fear losing your benefits. (Or maybe kill yourself.) And so on. [...] Many people have given up on the idea of equal security, but see equal insecurity as an achievable goal. This kind of perverse, negative “socialism” is something that the Tories are good at exploiting. [...] This current generation of young adults, on the whole, can neither buy a home nor get council tenancies. Private landlords rule the roost once more. //&! bit.ly/1Y4LLVO
DWP  Tories  Housing  Crisis  social  affordable  nasty  party  Toff  Privileged  trickle-down  economics  neoliberalism  neoliberal  Establishment  budget2015  Privatisation  Right  to  Buy  Buy-to-Let  Help  to  Buy  Scheme  inequality  Gini  coefficient  property  rights  UK  democracy  dogma  ideology  social  democracy  George  Osborne  Manifesto  austerity  general  election  2015  constituency  babyboomers  Generationengerechtigkeit  generation  rent  election  campaign  promises 
december 2015 by asterisk2a
Grand Designs - South Yorkshire, 2013 - All 4
Kevin McCloud reveals the designs which have reinvented the suburbs // [the new house] it's energy can start a new context [...] can transform an area. // suburbs have the freedom to design [...] can always revisit and redesign/build new to reflect time and thought // housing is ever more uniform in UK, no supply (no choice) forces demand to accept what is on offer; status quo is one big developer, all houses uniform because its cheaper that way for the developer to build and extract most profit out of contract (lowest bidder symptom), get couple of developers for a plot and you get some difference but still sameness (garden variety) [REFLECTIVE OF SOCIETY AND CAPITALISM AT LARGE, NO INDIVIDUALISM/INDIVIDUALITY. STATUS ANXIETY: JUST ABOUT THE PRICE TAG AND BRAND]. get 100s of developers and you get Progressive new suburb that reflects time, culture, ideas, thought, mood, principles, ... making a place! // << Nasty Party has no guts. No principles. No guiding light. No mark.
urbanisation  urban  planning  suburb  architect  architecture  design  interior  interior  design  happiness  index  happiness  well  being  UK  Housing  Crisis  Progressive  Policy  Makers  Tories  Conservative  Party  crony  capitalism  capitalism  culture  mass  culture  multiculturalism  individualism  individuality  Apple  zombie  consumer  consumerist  consumerism  materialism  status  anxiety  status  symbol  social  status  generation  rent  community 
december 2015 by asterisk2a
Developing world-beating maths teachers 'to take a decade' - BBC News
>> or be loaded to afford to hire tutor! // Global school rankings published in May this year put UK pupils 20th in the world for maths and science. //&! bbc.in/1LlisHi - Head teachers appeal for funds ahead of Spending Review. Head teachers have written to Education Secretary Nicky Morgan expressing their concern over future funding for schools in England. The National Association of Head Teachers claims education is being seen as a cost rather than an investment.
UK  education  policy  post  code  lottery  social  mobility  income  mobility  Gini  coefficient  austerity  budget2015  Generationengerechtigkeit  child  poverty  child  care  child  tax  credit  tax  credit  working  tax  credit  George  Osborne  nasty  party  Tories  Conservative  David  Cameron  general  election  2015  generation  rent  lost  generation 
november 2015 by asterisk2a
George Osborne vs John McDonnell - Treasury Questions - YouTube
"economic security for the country (& working people)" out of the mouth of Mr "Judgement Call" (that is what the tax credit cuts are, according to him, in front of select committee in house of commons hearing on the matter. // As if 12bn have no multiplier. 12bn for the corporate sharing it amongst their shareholders who have already bns, there is no multiplier at all. it just moves the digit after the comma. For the poop it is about paying for heating and new shoes. stupid. could afford welfare bill if corporates were to pay their fair share of taxes and not avoid and evade and no corporate welfare like for the steel industry (picking winners). = Show of Career Politician with some ideoligy and dogma and no principles. HE IS A MERCENARY. NOT A VISIONARY. A Career Politician. Calculated. Opportunistic. No long-term view. // IFS did say, in case of austerity, private sector has to pick up the slack. And it did since 2010. And new figures in household debt/credit card debt shows that.
George  Osborne  tax  credit  child  tax  credit  working  tax  credit  general  election  2020  Policy  Makers  error  renewable  energy  Hinkley  Point  C  TBTF  property  bubble  generation  rent  Housing  Crisis  tax  evasion  tax  avoidance  fairness  Generationengerechtigkeit  infrastructure  investment  underinvestment  industrial  energy  price  energy  productivity  output  gap  job  creation  Research  R&D  STEM  gender  inequality  gender  pay  gap  education  social  mobility  income  mobility  downward  mobility  Gini  coefficient  Super  Rich  1%  Toff  constituency  Establishment  election  campaign  promises  general  election  2015  babyboomers  Privileged  Entitlement  corporate  welfare  fossil  fuel  big  pharma  sick  population  Sugar  food  industry  obesity  epidemic  obesity  childhood  obesity  folly  nasty  party  Opportunism  opportunist  minority  No  Representation  Career  Politicians  David  Cameron  Conservative  Tories  capital  gains  tax  corporate  tax  rate  competitive  competitiveness  zombie  consumer  household  debt  consumer  debt  credit  card  debt  credit  card  budget  deficit  Super  Cycle  austerity  low  pay  low  income  Niedriglohn  Niedriglohnsektor  Service  Sector  Jobs  secular  stagnation  wage  stagnation  income  growth  squeezed  middle  class  income  distribution  income  redistribution  income  inequality  wage  growth  lost  generation  House  of  Lords  UK  Parliam 
october 2015 by asterisk2a
UK's most expensive city facing 'catastrophe' - BBC News
shortage of supply = unaffordable = nobody can afford to live there, work there, study there. or have to commute from out of town for 1 hour or more. // this is not only a problem in Oxford. NHS Grampian has problems of recruiting because unaffordable house prices and rents pushed up by Oil Industry and the lack of new housing. Same for teaching jobs. // all the while building companies make pumper profits and even skirt around the edges to lower the ratio of social and affordable housing they have to provide with each new big project. its in their interest, if prices were to fell, they would make less money. so they build not enough to keep up with demand at all. and not enough so each new builds profit rises because of risen demand and people willing to pay more for the same house or flat from previous year or two or three despite no real improvement in the build technically/energy efficiency wise/or architecture wise - modern, wide open, big windows. //
UK  Housing  Crisis  green  belt  Supply  and  Demand  Demand  and  Supply  property  bubble  speculative  bubbles  generation  rent  Generationengerechtigkeit  fairness  babyboomers  vested  interest  interest  groups  mortgage  market  shared  economic  interest  commuting  quality  of  life  standard  of  living  cost  of  living  city  living  disposable  income  discretionary  spending  underinvestment  productive  investment  NHS  Grampian  Public  Services  Social  Services  Tories  nasty  party  Conservative  distortion  ZIRP  NIRP  QE  hot-money  credit  bubble  China  capitalism  collusion  Policy  Makers  lobbyist  lobby  Lobbying  affordable  cost  of  entry  cost  center  cost  of  ownership  cost  of  Career  Politicians  No  Representation  democracy  interest  minority  folly  error  competitive  competitiveness  macroprudential  Buy  to  Help  to  Buy  Scheme  Right  to  Buy  fiscal  austerity  deprivation  urbanisation  urban  planning  monetary  unknown  unkown  unintended  consequences  general  election  2020  George  Osborne  David  Cameron  Toff  Privileged  Establishment  Entitlement  Millennials  generationy 
october 2015 by asterisk2a
The political power of bricks and mortar - BBC News
Few deny that the UK is facing a housing crisis, the subject has become a hot political topic. But the best way to solve it is still widely disputed, as national ambition confronts local anxiety and tradition.
Housing  Crisis  UK  affordable  social  generation  rent  Generationengerechtigkeit  neoliberalism  neoliberal  austerity  Policy  Makers  Tories  constituency  property  bubble  Conservative  Party  babyboomers  asset  bubble  speculative  bubbles  speculative  Buy  to  Help  to  Buy  Scheme  Supply  and  Demand  Demand  and  Supply  fairness  Right  to  Buy  election  campaign  promises  general  election  2015  budget2015  David  Cameron  nasty  George  Osborne  green  belt 
october 2015 by asterisk2a
Doctors, teachers, the police – public servants are demoralised | Will Hutton | Comment is free | The Guardian
To toil in the present-day NHS is thankless. [...] Whatever its merits, a workforce whose morale is already low sees it as yet more evidence that professionals’ views don’t count. Morale takes a further downward lurch. [...] Thus by 2020, the government will have imposed an unprecedented 10-year freeze in real pay across the public sector, shrunk its numbers by more than 1.5 million and offered as little upward career progression to public employees as it possibly can. A new industry of private contractors feeding off contracted-out public work will have been invented, offering even worse pay and conditions than the public sector itself. To raise taxes that might alleviate the crisis is ideologically prohibited. [...] Employees are voting with their feet. Between November 2013 and November 2014, 49,120 teachers quit – the highest rate on record. Nearly four in 10 newly qualified teachers leave after their first year. [...] [ Met warned less police officers on street ]
austerity  NHS  Public  Services  Social  Services  elderly  care  education  policy  post  code  lottery  neoliberalism  neoliberal  Privatisation  safety  net  welfare  state  Wertegesellschaft  society  Tories  nasty  party  Conservative  Toff  Privileged  Establishment  Entitlement  dogma  ideology  inequality  Gini  coefficient  mobility  income  mobility  poverty  child  poverty  poverty  trap  working  poor  Precariat  Police  fairness  Generationengerechtigkeit  tax  evasion  tax  avoidance  corporate  scandal  deprivation  Perspektivlosigkeit  corporate  welfare  Wall  Street  shareholder  value  profit  maximisation  budget  deficit  Rechtsruck  No  Representation  Career  Politicians  democracy  bank  bailout  recovery  GFC  trickle-down  economics  corporate  tax  rate  trust  community  contract  political  theory  babyboomers  Millennials  generationy  generation  rent  Polarisation  corporate  state  corporate  media  Manufacturing  service  sector  Bernie  Sanders  lobbyist  lobby  Lobbying  vested  interest  interest  groups  Jeremy  Corbyn  Labour  general  election  2020  George  Osborne 
october 2015 by asterisk2a
Average monthly rent hits record high of £816, highlighting housing shortage | Money | The Guardian
Rents rose across most of England by averages of 6.3% and 8.5% in past year, say separate studies, but fell in the north-west, north-east and Wales [...] Housing charity Shelter said the figures “highlight the plight of an entire generation stuck in insecure and expensive private renting”. On Tuesday, official figures underlined the continuing difficulty of buying, as UK house prices surged to a record peak of £284,000 on average in August. According to the report from Your Move and Reeds Rains, rents rose to a “new all-time record” in September and are up a typical 6.3% on an annual basis. It found that rents are now almost a quarter (24%) higher than in January 2010, while the index of CPI inflation is just 14% higher over the same period. // bonuses and pay and profit for building companies are up as well. actively restricting demand to push up prices marginally (compounding over time). nearly all property sells before even the first brick is put down for the development!]
generation  rent  Generationengerechtigkeit  fairness  mortgage  market  social  housing  affordable  housing  discretionary  spending  disposable  income  Supply  and  Demand  Demand  and  Supply  housing  market  Crisis  profiteer  Wall  Street  crony  capitalism  capitalism  shareholder  value  profit  maximisation  CEO  pay  bonuses  standard  of  living  quality  of  life  speculative  bubbles  ZIRP  NIRP  QE  constituency  nasty  party  Tories  Conservative  Policy  Makers  neoliberalism  neoliberal  Buy-to-Let  Help  to  Buy  Scheme  Right  to  Buy 
october 2015 by asterisk2a
It’s George Osborne who will shape Tory prospects for 2020 | Gaby Hinsliff | Comment is free | The Guardian
Power is leeching from David Cameron, and the colder, more ruthless chancellor is in the spotlight [...] Osborne’s big problem, of course, is that his fingerprints are all over everything the government has done – or not done – to tackle these problems over the last five years, let alone over the next five. And that’s not the only factor limiting his prospects of promotion He’s almost as exposed as Cameron is to fallout from the EU referendum gamble. (Heads we quit the EU, and government heads will have to roll; tails we stay, triggering Tory civil war).
George  Osborne  Tories  Conservative  Party  general  election  2020  David  Cameron  Toff  Privileged  Establishment  neoliberalism  neoliberal  Career  Politicians  No  Representation  Entitlement  Generationengerechtigkeit  fairness  austerity  Millennials  generationy  bank  bailout  London  tax  avoidance  tax  evasion  investment  banking  retail  banking  banking  crisis  property  bubble  generation  rent  Student  Maintenance  Grant  Student  Loan  Education  Maintenance  Allowance  child  tax  credit  tax  credit  working  tax  credit  subsidies  subsidizing  renewable  energy  industrial  policy  STEM  Research  R&D  immigration  migration  Brexit  European  Union  child  poverty  food  poverty  poverty  trap  welfare  state  social  safety  net  vulnerable  Disabled  poverty  policy  post  code  lottery  NHS  Jeremy  Hunt  Iain  Duncan  Smith  DWP  dogma  ideology  Makers 
october 2015 by asterisk2a
UK mortgage market, Barclays Qatar probe and US bank CEOs by FT Banking Weekly
there will be no push for new homes to flood the market, increasing prices support status quo, Loan to value measures (underwater or not?). house prices outpaced income since GFC. Buy-to-Let amplifies boom-bust. bank system resilient enough for 35% fall of prices. // generationengerechtigkeit - more of disposable income to spend on rent! putting money into pockets of rentier (buy-to-let) who can him or herself buy only so many pairs of jeans.
UK  mortgage  market  2015  NPL  underwater  CDS  securitisation  retail  banking  investment  banking  CDO  Taper  BOE  ZIRP  NIRP  QE  property  bubble  Buy-to-Let  Help  to  Buy  Scheme  self-regulation  regulation  regulators  Right  to  Buy  generation  rent  Supply  and  Demand  Demand  and  Supply  distortion  GFC  recovery  leverage  macroprudential  policy  microeconomic  policy  constituency  Tories  Conservative  Party  Generationengerechtigkeit  rent-seeking  rentier 
october 2015 by asterisk2a
Homelessness figures: Nearly 100,000 children in England 'homeless' - BBC News
Nearly 100,000 children in England are living in temporary accommodation after being made homeless, new figures show. // &! More & more student start work after graduation in low pay jobs not requiring a diploma, due to current job market/job creation situation in UK! Not hitting 21k repayment threshold - bbc.in/1OU0K3H - OBR show fewer are likely to start paying than was expected when the policy was introduced, [...] freezing the loan repayment threshold - alongside other changes such as replacing maintenance grants for poorer students with loans - will significantly increase the cost of going to university. It says this risks undermining pledges by successive governments to improve social mobility, as well as raising uncertainty in students' minds over the terms of their borrowing. //&! Higher education cuts 'risk NI being left behind' - bbc.in/1gZMrgj //&! Doctors warn Tories not to cut free school meals (child poverty, food poverty) bbc.in/1LewQrn
UK  property  bubble  Supply  and  Demand  Demand  and  Supply  affordable  housing  social  housing  Gini  coefficient  Generationengerechtigkeit  generation  rent  poverty  trap  child  poverty  food  poverty  austerity  Policy  Makers  dogma  ideology  neoliberalism  neoliberal  Tories  Conservative  Party  housing  market  Crisis  housing  benefit  benefits  welfare  state  social  safety  net  bank  bailout  fairness  social  cohesion  minority  constituency  error  folly  babyboomers  social  tension  Toff  Establishment  Privileged  Entitlement  general  election  2015  election  campaign  promises  Help  to  Buy  Scheme  excess  reserves  mortgage  market  Buy-to-Let  Right  to  Buy  Buy  to  Wall  Street  shareholder  value  profit  maximisation  inequality  Funding  for  Lending  Scheme  macroprudential  macroeconomic  microeconomics  disposable  income  discretionary  spending  debtoverhang  household  debt  recovery  2015  consumer  debt  debt  servitude  private  debt  Payday  Loans  Student  Loan  Millennials  generationy  secular  stagnation  low  income  prevention  job  security  job  market  labour  market  Niedriglohnsektor  Service  Sector  Jobs  job  creation  income  mobility  social  mobility  downward  mobility  precarious  work  Precariat  working  poor  University  vocational  education  professional  education  Maintenance  Student  Maintenance  child  Allowanc 
september 2015 by asterisk2a
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