asterisk2a + affordable 135
Ministers urged to halt right-to-buy scheme | Society | The Guardian
4 weeks ago by asterisk2a
More than 40% of former council homes now rented out by private landlords [...] In Ealing, the council has spent £107m buying back 516 former council properties that it had originally sold for £16m. Peter Mason, Ealing’s cabinet member for housing, said the report highlighted “exactly some of the more unforgivable impacts of Thatcher’s right-to-buy scheme, which she launched with great fanfare in Northolt [a town in the borough of Ealing]”.
UK
housing
crisis
Thatcher
social
affordable
Council
Privatisation
Rentier
capitalism
profit
maximisation
4 weeks ago by asterisk2a
England 'needs millions of homes to solve housing crisis' - BBC News
6 weeks ago by asterisk2a
Shelter's report claims 1.3 million homes are needed to house those in greatest need - including homeless people and those living with a disability.
UK
housing
crisis
social
affordable
Disabled
access
accessible
inequality
discrimination
6 weeks ago by asterisk2a
(920) Obdachlos in Bayern - Konkurrenz auf der Straße | DokThema | Doku - YouTube
8 weeks ago by asterisk2a
Verdraengungswettbewerb in der Stadt
poverty
working
poor
inequality
Arbeitsmarkt
Leiharbeit
gig
economy
mini-Job
Niedriglohnsektor
Germany
Mindestlohn
Aufstocker
minimum
wage
social
housing
affordable
disposable
income
stagflation
UK
homeless
homelessness
8 weeks ago by asterisk2a
Most buy-to-let lenders refuse loans when tenants are on benefits | Money | The Guardian
october 2018 by asterisk2a
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
How is the size of your home affecting your happiness and health? | Society | The Guardian
september 2018 by asterisk2a
England has the smallest homes by floor space area of any EU country. // developers rake in the profits - https://www.theguardian.com/business/2018/sep/03/berkeley-calls-affordable-housing-targets-unviable-as-chairman-earns-174m
UK
housing
crisis
Privatisation
Austerity
profit
maximisation
social
affordable
september 2018 by asterisk2a
(10620) BBC Question Time: the complete discussion on Universal Credit - YouTube
july 2018 by asterisk2a
2017
"It is insane."
VERY VISIBLE AUDIBLE: Not addressing the question.
Insecure housing.
DWP
JSA
Universal
Credit
Austerity
nasty
party
Conservative
Tories
poverty
trap
downward
mobility
Council
housing
benefit
social
affordable
crisis
homelessness
"It is insane."
VERY VISIBLE AUDIBLE: Not addressing the question.
Insecure housing.
july 2018 by asterisk2a
Long tenancies won’t stop landlords wanting a CV, 12 months’ rent – or a date | Penny Anderson | Opinion | The Guardian
UK Generation Rent Generationengerechtigkeit housing crisis Landlord Exploitation affordable social Council Austerity Tories nasty party Conservative JAM Theresa May
july 2018 by asterisk2a
UK Generation Rent Generationengerechtigkeit housing crisis Landlord Exploitation affordable social Council Austerity Tories nasty party Conservative JAM Theresa May
july 2018 by asterisk2a
Council cuts are putting the vulnerable at risk, Tory peer says | Society | The Guardian
july 2018 by asterisk2a
WE ARE ALL IN THIS TOGETHER. - “We’ve reached a point where councils will no longer be able to support our residents as they expect, including our most vulnerable,” Porter added. As well as problems coping with demand for services for elderly and disabled adults, the LGA says councils are struggling with an explosion in the number of children in care, and a rising bill for 80,000 homeless families placed in temporary housing.
An LGA briefing on the prospects for local government states: “The failure to properly fund these services puts the wellbeing of some of the most vulnerable residents at risk, and this cannot go on.”
UK
Austerity
Council
Tories
nasty
party
Conservative
JAM
Theresa
May
David
Cameron
adult
social
elderly
care
homelessness
childprotection
poverty
childhood
housing
crisis
affordable
An LGA briefing on the prospects for local government states: “The failure to properly fund these services puts the wellbeing of some of the most vulnerable residents at risk, and this cannot go on.”
july 2018 by asterisk2a
Landlords react with fury to three-year tenancy plans | Money | The Guardian
july 2018 by asterisk2a
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
december 2017 by asterisk2a
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
Young face growing mortgage debt burden - BBC News
october 2017 by asterisk2a
young ppl taking out 30 year+ loans = lower monthly payments,
UK
housing
crisis
bubble
mortgage
market
disposable
income
discretionary
spending
debt
creditcard
credit
card
Consumer
economy
Brexit
secular
stagnation
stagflation
growth
wage
Consumerism
affordable
social
Council
Austerity
Cartel
profit
maximisation
Duopoly
underinvestment
anti-trust
economic
history
Margaret
Thatcher
october 2017 by asterisk2a
The UK housing market's perfect storm, and five steps to avoid it | Larry Elliott | Business | The Guardian
october 2017 by asterisk2a
help to buy = gov lender of last resort for home buying.
UK
housing
crisis
Help
to
Buy
cartel
duopoly
monopsony
Council
Austerity
social
Generation
Rent
affordable
Generationengerechtigkeit
asset
bubble
mortgage
ZIRP
NIRP
BOE
QE
economic
history
october 2017 by asterisk2a
FactCheck: Theresa May’s claim about housing doesn’t give the full picture – Channel 4 News
october 2017 by asterisk2a
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
'I'm dumbfounded!' … Neave Brown on bagging a RIBA award for the building that killed his career | Art and design | The Guardian
october 2017 by asterisk2a
Brown is humbled that his buildings are being looked at afresh, but he fizzes with anger at the current state of UK housing. “Neoliberalism has stripped out the social ideology from our country and led to a ruinous economy with ruinous housing,” he says fiercely. “I’m an old, old man, so my answer is probably not the right one, but I think we need a new national agency to govern standards and fund the construction of housing for properly mixed communities – crucially with maintenance costs financed for the whole life of the building.”
social
housing
Council
affordable
segregation
UK
crisis
Austerity
duopoly
cartel
profit
maximisation
october 2017 by asterisk2a
Millennials spend three times more of income on housing than grandparents | Society | The Guardian
september 2017 by asterisk2a
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
september 2017 by asterisk2a
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
(100) Trust, Fairness & Responsibility | Rt Hon David Lammy MP | RSA Replay - YouTube
september 2017 by asterisk2a
the analysis evidenced that black men and women are sentenced more harshly than white men and women for committing the same type of crime.
UK
BAME
Justice
System
poverty
trap
discrimination
Police
stigma
prejudice
Austerity
community
Grenfell
Drugs
organised
crime
Social
Services
Council
housing
affordable
crisis
post-racial
America
USA
education
policy
injustice
Jim
Crow
neoliberal
neoliberalism
mental
health
Stop&Search
Privatisation
re-offending
recidivism
David
Lammy
class
war
classwar
working
september 2017 by asterisk2a
Is Britain's housing bubble turning Japanese? - Renegade Inc
august 2017 by asterisk2a
Britain is in the grip of a housing crisis. But contrary to some Daily Mail speculators, the bricks and mortar economy is not going the way of Japan, circa 1990. Economist Neil Wilson explains why the same economic and political forces suppressing Japanese property prices will keep British prices artificially inflated for the foreseeable future. [...] The British building industry has heavily consolidated over the past twenty years, creating an Oligopoly [...] Britain is in the grip of a housing crisis. Yet successive governments have allowed this land speculation to flourish. Industry press releases deflect the blame to local council “red tape”, while sitting on thousands of hectares lying undeveloped “until market conditions improve”.
UK
free
market
Brexit
Housing
Crisis
Oligopol
affordable
social
Council
Austerity
Lobby
Competition
self-regulation
Regulation
regulators
august 2017 by asterisk2a
Plans to ban leaseholds on new-build homes in England - BBC News
july 2017 by asterisk2a
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
Four ministers were warned about tower block fire risks - BBC News
june 2017 by asterisk2a
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
In the leaked letters, experts warn that those living in tower blocks like Grenfell Tower were "at risk".
june 2017 by asterisk2a
Complex chain of companies who worked Grenfell Tower raises oversight concerns | UK news | The Guardian
june 2017 by asterisk2a
Experts warn of impact of multiple contractors, reduced council oversight, disparate build teams and privatisation. // 5k difference for more fireproof cladding - cladding to make twoer nicer to look at for the rich surroundings - https://twitter.com/tompeck/status/875465866124697604 &! https://www.theguardian.com/commentisfree/2017/jun/16/grenfell-tower-price-britain-inequality-high-rise & cheaper less fire resistant cladding used - https://www.theguardian.com/uk-news/2017/jun/16/manufacturer-of-cladding-on-grenfell-tower-identified-as-omnis-exteriors &! Tories history of deregulation of health and savety - http://www.independent.co.uk/news/uk/politics/david-cameron-i-will-kill-off-safety-culture-6285238.html &! https://www.youtube.com/watch?v=Fy9GQRy7RUI
GrenfellTowerFire
UK
Privatisation
Council
Austerity
budget
Conservative
Party
nasty
Tories
nastyparty
Social
Housing
affordable
gentrification
accountability
outsourcing
neoliberal
neoliberalism
policy
David
Cameron
George
Osborne
Theresa
May
working
class
inequality
BAME
discrimination
homelessness
homeless
poverty
trap
Generation
Rent
London
segregation
june 2017 by asterisk2a
The Conservatives quietly U-turn on their big manifesto promise to build "new generation of social housing" - Mirror Online
june 2017 by asterisk2a
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
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
june 2017 by asterisk2a
The ten graphs which show how Britain became a wholly owned subsidiary of the City of London (and what we can do about it) – New thinking for the British economy
may 2017 by asterisk2a
[ uk banks overinvested enabled by political policy into houses and high streets. underinvested in productive capital like R&D companies in general etc ] >> But it doesn’t increase the productive capacity of the economy one iota: a more expensive house doesn’t produce more intelligent children, and a higher share price doesn’t boost a company’s productivity (though it can indirectly boost its capacity to raise funds for investment). [...] Debt-financed asset purchases are thus fundamentally a Ponzi activity: // not just tight housing supply is increasing prices, but also easy credit/debt/mortgage market! // [...] ultimately, there is a limit to just how much debt individuals and corporations can take on – even with low interest rates
UK
ZIRP
NIRP
QE
housing
market
mortgage
household
consumer
debt
disposable
income
servitude
GFC
recovery
wage
growth
Ponzi
asset
capital
Kapital
BOE
credit
card
affordable
social
servicing
default
rate
insolvency
speculation
unintended
consequences
economic
history
consumption
secular
stagnation
Brexit
policy
fiscal
monetary
Mark
Carney
underinvestment
productivity
R&D
Career
Politicians
Margaret
Thatcher
may 2017 by asterisk2a
(453) James O'Brien (and Incorrigible) solve the housing crisis - YouTube
may 2017 by asterisk2a
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
Obamacare and the Affordable Care Act are the same thing. 1/3 of Americans don’t know that. | The Outline
february 2017 by asterisk2a
republicans really did well in their spin and pr offensive.
Obamacare
ACA
Affordable
Care
Act
february 2017 by asterisk2a
Brexit racism and civil war but what else does 2017 hold for politics? - YouTube
january 2017 by asterisk2a
people visibly not white prone to abuse by ideological fanatic Leave Voters. [...] Door that this protest vote opened already closing. Tories and May leaving the JAM's already hanging ... ie by making British Human Rights Act to repeal EHCR a cornerstone of 2020 general election. [...] "things already slipping a bit" [...] ///&! Brexit fallout: UK is "less happy and more racist" than six months ago - https://youtu.be/Vl_KFpG0-EE --- views Gov is London Centric!
Brexit
Tories
Conservative
Party
nasty
2020
JAM
Austerity
inflation
working
poor
poverty
squeezed
middle
class
affordable
housing
property
bubble
wage
growth
secular
stagnation
economic
history
recovery
income
inequality
Westminster
Whitehall
gini
Coefficient
trap
homelessness
homeless
immigration
EEA
stigma
racism
Xenophobia
prejudice
bigotry
Nationalism
Precariat
social
january 2017 by asterisk2a
Rail fares cost commuters up to 14% of their income, says study | Money | The Guardian
january 2017 by asterisk2a
Some season tickets cost six times as much as those in Europe, say campaigners, as average 2.3% fare increase comes into effect
UK
discretionary
spending
disposable
income
inflation
Brexit
housing
crisis
affordable
social
working
poor
squeezed
middle
class
mobility
wage
growth
january 2017 by asterisk2a
Musician Alasdair Codona on Holyrood hunger strike for homeless rights (From The National)
december 2016 by asterisk2a
The 51-year-old is on the 23rd day of a hunger strike, and is camped outside the Scottish Parliament in protest at the way local authorities treat those without a roof over their head.
Codona wants to make the way someone applies for help when homeless much simpler. He says councils are making the process deliberately difficult, and often treating people with contempt in a bid to stop them asking for help.
homelessness
homeless
social
housing
affordable
UK
Codona wants to make the way someone applies for help when homeless much simpler. He says councils are making the process deliberately difficult, and often treating people with contempt in a bid to stop them asking for help.
december 2016 by asterisk2a
Generation rent: official figures overstate UK home ownership - study | Society | The Guardian
december 2016 by asterisk2a
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
More than 2,500 children unlawfully housed in B&Bs | Society | The Guardian
december 2016 by asterisk2a
Homelessness statistics show 24% increase in households with children residing in B&Bs for longer than six weeks in England
homelessness
homeless
social
housing
affordable
working
poor
poverty
UK
Austerity
december 2016 by asterisk2a
Homelessness can only really be tackled if people have somewhere to go | Poppy Noor | Opinion | The Guardian
october 2016 by asterisk2a
As long as housing is treated as commodity not a right, changes to the law – like Bob Blackman’s bill – will only help so much //&! https://www.theguardian.com/society/2016/oct/28/homelessness-reforms-funding-councils-local-authorities
homelessness
homeless
social
housing
affordable
property
bubble
UK
speculation
speculative
october 2016 by asterisk2a
"Keiser Report" Episode 985 - YouTube
october 2016 by asterisk2a
property prices have to come down. but that would put ppl in neg equity. gov keeping bubble alive. NOW gov buying up non-sold property w 2bn fund! - https://www.theguardian.com/business/2016/oct/06/government-could-buy-developers-unsold-homes-under-2bn-fund - A £2bn fund to boost housebuilding could be used by the government to offer guarantees to developers that it will step in to take on properties that they are unable to sell. - THIS IS A SMALL SCALE BAILOUT FOR FIRMS BUILDING -- SHITTY & OVERPRICED FLATS AND HOUSES!
Help
To
Save
Buy
Right
Whitehall
Westminster
property
bubble
UK
Brexit
housing
crisis
social
affordable
Theresa
May
David
Cameron
George
Osborne
Philip
Hammond
distortion
ZIRP
NIRP
QE
rentier
bailout
mortgage
BOE
subsidies
subsidizing
Corporate
welfare
crony
capitalism
october 2016 by asterisk2a
Philip Hammond ditches Osborne's help-to-buy homes scheme | Money | The Guardian
september 2016 by asterisk2a
Philip Hammond has confirmed that the government’s help-to-buy mortgage guarantee scheme will be closed by the end of the year, another of former chancellor George Osborne’s flagships now abandoned by the Treasury.
In a letter to Bank of England governor Mark Carney, the chancellor said the scheme had a “specific purpose that has now been successfully achieved”.
Launched in late 2013, the scheme meant buyers only needed to raise 5% of the property value for a deposit, with a government guarantee on a further 15% to give mortgage lenders the incentive to loan larger amounts.
Help
To
Buy
property
bubble
UK
affordable
housing
social
George
Osborne
David
Cameron
Philip
Hammond
Theresa
May
BOE
Mark
Carney
subsidies
subsidizing
privilege
Privileged
In a letter to Bank of England governor Mark Carney, the chancellor said the scheme had a “specific purpose that has now been successfully achieved”.
Launched in late 2013, the scheme meant buyers only needed to raise 5% of the property value for a deposit, with a government guarantee on a further 15% to give mortgage lenders the incentive to loan larger amounts.
september 2016 by asterisk2a
Canada Overwhelmed By 100,000 Chinese Millionaire Immigrants - YouTube
june 2016 by asterisk2a
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
Budget 2016: Four key numbers - BBC Newsnight
march 2016 by asterisk2a
weaker outlook for income tax receipts & economy/global economy >> OBR has done 'no projections' on impact of Brexit: Robert Chote - BBC Newsnight - youtu.be/A0jvIUKTU1U //&! Budget 2016: Evan Davis grills Sajid Javid on the numbers - BBC Newsnight - youtu.be/L0TBTbfNgCw - "WE HAD THE BIGGEST BANK BAILOUT" //&! NICKY MORGAN ON TORY WELFARE ROW - BBC Newsnight - youtu.be/IC_Yhggk62o
Budget2016
OBR
secular
stagnation
income
tax
receipts
productivity
gap
recovery
economic
history
Richard
Koo
Brexit
Schuldenbremse
Fiscal
Pact
general
election
2020
austerity
underinvestment
business
confidence
job
creation
Service
Sector
Jobs
low
pay
low
income
working
poor
tax
credit
Zero
Hour
Contract
wage
stagnation
squeezed
middle
class
self-employment
part-time
Contractor
Zero
Hour
Contract
recovery
economic
history
UK
fairness
Generationengerechtigkeit
pension
obligation
triple-lock
pension
bank
bailout
trickle-down
economics
dogma
ideology
Richard
Koo
Privatisation
free
market
demographic
bubble
poverty
child
poverty
food
poverty
ESA
Disabled
vulnerable
DLA
PIP
DWP
Iain
Duncan
Smith
sanctions
JSA
social
housing
affordable
housing
Crisis
property
bubble
welfare
state
welfare
reform
Universal
housing
benefit
social
safety
net
march 2016 by asterisk2a
Konzept gegen Wohnungsnot: Höher, enger, dichter
march 2016 by asterisk2a
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
Rough sleeping up by 30% in a year in England - BBC News
february 2016 by asterisk2a
The number of people sleeping rough in England increased by 30% in a year, new figures show. A total of 3,569 rough sleepers were identified by counts and estimates by local authorities in Autumn 2015, up from 2,744 a year before. Labour said the figures were "the starkest possible reminder" of Conservative housing policy failure. Ministers said government funding for homelessless over the next four years had been increased to £139m. The latest figures have been released by the Department for Communities and Local Government, which described them as "single night snapshots".
UK
homeless
homelessness
social
housing
affordable
housing
Crisis
DWP
sanctions
vulnerable
february 2016 by asterisk2a
How do we move beyond the “austerity” debates? - YouTube
february 2016 by asterisk2a
// private sector, though debt, will take up the slack ... till it can't any more // Confidence Fairy //
austerity
ECB
OMT
TLTRO
LTRO
Fiscal
Pact
Schuldenbremse
Angela
Merkel
Richard
Koo
economic
history
UK
George
Osborne
Wolfgang
Schäuble
ZIRP
NIRP
QE
household
debt
consumer
debt
credit
card
debt
car
loan
student
loan
debt
student
loan
Bubble
Generationengerechtigkeit
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NPL
student
debt
discretionary
spending
disposable
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credit
welfare
state
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net
underinvestment
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Council
productivity
output
gap
European
Union
Germany
France
David
Cameron
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Carney
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distortion
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class
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poor
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creation
Service
Sector
Jobs
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Precariat
low
pay
low
income
wage
stagnation
debt
servitude
Bundesbank
BuBa
youth
unemployment
skills
gap
secular
stagnation
policy
monetary
policy
aggregate
demand
Housing
Crisis
affordable
social
february 2016 by asterisk2a
Rich Tech Bro: "I Don't Want To See Homeless Riff-Raff" - YouTube
february 2016 by asterisk2a
living in your bubble.
homeless
homelessness
San
Francisco
Silicon
Valley
gentrification
Gentrified
free
market
affordable
housing
social
housing
Crisis
income
distribution
income
inequality
Gini
coefficient
distortion
ZIRP
NIRP
QE
hot-money
hunt
for
yield
Venture
Capital
Angel
Investor
Seed
Round
Party
Round
substance
abuse
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mental
health
health
care
USA
prison–industrial
complex
Services
Public
Services
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Perspektivlosigkeit
Beschaffungskriminalität
self-medication
coping
mechanism
trickle-down
economics
neoliberalism
neoliberal
neoconservatism
neoconservatives
plutocracy
oligarchy
Super
Rich
1%
urban
planning
urbanisation
filter
bubble
society
Wertegesellschaft
Gesellschaft
Zivilgesellschaft
february 2016 by asterisk2a
This Letting Agent Admits The Housing Shortage Is Good News For Landlords - BuzzFeed News
february 2016 by asterisk2a
[ 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
february 2016 by asterisk2a
[ 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
From Ticker - S&P: QE is driving inequality between the generations
february 2016 by asterisk2a
Quantitative easing (QE) stabilized the economy but also exacerbated wealth disparity between rich and poor, mainly by boosting financial asset prices and house prices. //&! [ LOW PAY MINIMUM WAGE JOB CREATION ] During the U.K.’s recent “jobs-rich, pay-poor” economic recovery, strong employment gains were accompanied by a further rise of already high wage dispersion and an ever-growing share of part-time employment in lower income groups. //&! In the context of the tight housing market, low interest rates and QE are among the drivers behind the widening wealth and income gap between younger and older generations and between those on the housing ladder and those not on it. //&! Inequality is damaging! // bit.ly/1QtauyZ - Bank of England's recovery policies have increased inequality, finds S&P [...] spending too much on rent, not able to save for deposit! //&! bit.ly/1PPyEYl &! ti.me/1sbBtrz
QE
inequality
reflate
reflation
distortion
recovery
job
creation
Service
Sector
Jobs
UK
USA
fiscal
policy
monetary
policy
monetary
stimulus
unconventional
monetary
policy
Fed
BOE
bank
bailout
zombie
banks
zombie
consumer
zombie
corporations
ZIRP
NIRP
TARP
TLTRO
LTRO
ECB
equity
bubble
asset
bubble
property
bubble
Housing
Crisis
Help
to
Buy
Scheme
Help
to
Save
Right
to
Buy
income
inequality
Gini
coefficient
social
mobility
income
mobility
budget
deficit
austerity
George
Osborne
income
distribution
poverty
trap
tax
credit
low
pay
low
income
squeezed
middle
class
Precariat
Zero
Hour
Contract
Contractor
part-time
Tories
nasty
party
homeless
homelessness
social
affordable
Conservative
Toff
Privileged
Establishment
Funding
discretionary
spending
disposable
income
household
debt
consumer
debt
credit
card
debt
student
loan
debt
student
loan
student
debt
debt
servitude
economic
history
february 2016 by asterisk2a
The Guardian view on starter homes: stop them now | Editorial | Opinion | The Guardian
february 2016 by asterisk2a
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
february 2016 by asterisk2a
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
february 2016 by asterisk2a
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
february 2016 by asterisk2a
[ 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
february 2016 by asterisk2a
[ 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
Portable home delivered as furniture, tailored as smartphone - YouTube
february 2016 by asterisk2a
[~75-90k maybe all together ] + Family wraps home in greenhouse to warm up Stockholm weather - youtu.be/30ghnDOFbNQ // Both together could reduce energy bill in winter. And work outside - in the summer, spring, autumn - in the green house. Put washing machine outside and also washing in green house. Should be ok in mild UK weather.
architecture
design
tiny
house
Frugal
life
hacker
life
lesson
simplicity
status
symbol
status
anxiety
zombie
consumer
Housing
Crisis
affordable
social
february 2016 by asterisk2a
Christine Lagarde: Housing is key issue for security of UK economy - BBC News
february 2016 by asterisk2a
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
The upsetting reality of modern day poverty
february 2016 by asterisk2a
My food budget? About £45 a week. [...] You see, to Jamie Oliver, a £20 shoulder of lamb is "cheap", because it can do two meals and it’s not the leg, so costs less per kilo. Two meals, Jamie? For 20 bloody quid, I want at least four meals. It’s a sad day when I get angry at Jamie Oliver for being a pretentious, arrogant prick. [...] I can’t afford to smoke. I don’t know many people who can. I have bars of soap next to my sinks and I am able to use them to good effect. I am not dirty. I am relatively poor. There is a difference. [...] The reality is eating plain boiled rice and pretending to like it, so the kids don’t know there’s no other food except for what is on their plates. [...] The reality of poverty is the shame of always having to say, “Sorry, I can’t afford it.” [...] I’ll make you a coffee, but only if you don’t have sugar – that’s a luxury we only buy in if we’re going to make a cake.
poverty
food
poverty
DWP
sanctions
Bank
Iain
Duncan
Smith
low
pay
low
income
minimum
wage
precarious
work
Precariat
Zero
Hour
Contract
part-time
child
poverty
child
tax
credit
tax
credit
working
tax
credit
austerity
George
Osborne
David
Cameron
social
democracy
democracy
fairness
Generationengerechtigkeit
bailout
corporate
welfare
welfare
state
social
safety
net
disability
Disabled
vulnerable
mental
health
homelessness
social
housing
affordable
housing
Crisis
Tories
nasty
party
Positioning
public
sentiment
public
awareness
public
perception
public
image
Perspektivlosigkeit
deprivation
february 2016 by asterisk2a
Services for LGBT young people will just disappear | Kirstie Brewer | Society | The Guardian
february 2016 by asterisk2a
Cuts to council youth budgets are putting vital specialist provision for vulnerable youngsters in jeopardy [...] “Youth provision has always been the Cinderella service and LGBT youth provision is its poor relation,” [...] Overall, youth services directly provided by councils in England have been cut by 36% since 2011 – from £877m to £561m total expenditure, according to figures provided by Kate Green, shadow minister for women and equalities. “Councils are facing impossible decisions about youth services as the government slashes their revenue support grants by over 50%, regardless of the cost to individuals and communities,” //&! Out in the cold: LGBT housing services devastated by austerity cuts. Homelessness among gay, lesbian and transgender people is rising but the few organisations that offer help are struggling to survive - bit.ly/1R6FIyh
minority
austerity
constituency
Council
Public
Services
Social
Services
UK
LGBT
NHS
mental
health
hate
speech
hate
crime
homophobic
Homophobia
transphobia
Transphobic
Tories
nasty
party
Funding
general
election
2015
election
campaign
promises
Manifesto
babyboomers
Career
Politicians
dogma
ideology
trickle-down
economics
neoliberalism
neoliberal
tax
evasion
tax
avoidance
well
being
happiness
Police
David
Cameron
George
Osborne
education
policy
fairness
bank
bailout
GFC
Generationengerechtigkeit
housing
affordable
housing
Crisis
voter
turnout
LGBTQIASP
Transgender
Perspective
Perspektivlosigkeit
deprivation
substance
abuse
chemsex
chem
sex
chem-sex
STI
STD
health
policy
health
stigma
Conservative
Westminster
Toff
Privileged
Establishment
poverty
Gesellschaft
society
february 2016 by asterisk2a
A day in court showed me the misery of Britain’s housing policy | Polly Toynbee | Opinion | The Guardian
february 2016 by asterisk2a
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
Levy on luxury London homes would net £86m a year for social housing | Housing Network | The Guardian
january 2016 by asterisk2a
Property tax would force global super-rich to subsidise affordable housing, say researchers //
progressive
tax
code
Super
Rich
1%
excess
Greed
inheritance
tax
plutocracy
constituency
Party
Funding
Housing
Crisis
social
affordable
UK
oligarchy
Westminster
Toff
Privileged
Establishment
nasty
trickle-down
economics
Privatisation
Conservative
Party
dogma
ideology
Tories
general
election
2015
election
campaign
promises
Manifesto
january 2016 by asterisk2a
Wohnungsbau: Bund und Länder planen höhere Steuerförderung - SPIEGEL ONLINE
january 2016 by asterisk2a
Die Suche nach einer bezahlbaren Wohnung ist in vielen Städten extrem schwierig. Bund und Länder wollen private Investoren beim Bau preiswerter Immobilien steuerlich entlasten - und dabei auf mehr als vier Milliarden Euro verzichten.
Privatisation
social
housing
affordable
housing
Germany
budget
deficit
corporate
welfare
subsidies
subsidizing
neoliberalism
neoliberal
austerity
Fiscal
Pact
Schuldenbremse
january 2016 by asterisk2a
Aberdeen and Edinburgh highlighted in city economies report - BBC News
january 2016 by asterisk2a
No Scottish cities were in the top 10 for "low-wage, high-welfare" economies. The 2016 report - described as a "health check" for the 63 largest UK cities - focused on Chancellor George Osborne's vow to build a "higher wage, lower welfare" economy, as set out in the Summer Budget 2015. >> It argued that nearly a million new jobs had been created in cities since 2010 - but that the average salary had also dropped by £1,300 per resident. 'High-wage, low-welfare' << [...] The think tank said the two areas' ability to attract high-skilled jobs - in the oil and professional services industries for example - was the key to their success. It argued that cities with high wages had seen faster jobs growth, with employment rising by 10% since 2010, compared with 3% in low-wage cities. [...] [ Housing Crisis across the country thus ] increased housing benefit payments.
job
creation
recovery
Service
Sector
Jobs
UK
austerity
minimum
wage
living
wage
George
Osborne
neoliberalism
neoliberal
Manufacturing
macroeconomic
policy
microeconomic
policy
low
pay
low
income
tax
credit
child
tax
credit
working
tax
credit
tax
free
income
progressive
tax
code
income
distribution
disposable
income
discretionary
spending
income
inequality
income
growth
wage
growth
secular
stagnation
globalization
globalisation
borderless
flat
world
economic
history
nasty
party
Tories
Conservative
trickle-down
economics
squeezed
middle
class
precarious
work
Precariat
wage
stagnation
income
redistribution
welfare
state
social
safety
net
David
Cameron
budget2015
budget2010
Public
Services
Services
added
value
value
creation
Housing
Crisis
affordable
social
january 2016 by asterisk2a
Cameron: Labour doesn’t believe in home ownership – video | Society | The Guardian
january 2016 by asterisk2a
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
Long waits for disabled people on housing lists says charity - BBC News
january 2016 by asterisk2a
The Leonard Cheshire charity says the number of those waiting for a home has risen by 7% in the last five years, with some on the list for up to 12 years.
Housing
Crisis
affordable
social
Disabled
disability
inequality
UK
austerity
welfare
state
social
safety
net
adult
social
care
january 2016 by asterisk2a
Plan to end student grants without Commons vote outrages opposition | Politics | The Guardian
january 2016 by asterisk2a
[ shifting public debt onto private debt balance sheet. = no vision! debt is still there in economy! paying higher interest rates. -- vs -- bankers gambling debt put on public balance sheet! ] Ministers have been accused of an “outrageous” attempt to sneak through their proposals to end student grants in England without proper scrutiny by MPs. The plan to scrap maintenance grants, which help half a million of the poorest students pay for university life, will go through a legislation committee on Thursday, without a vote and debate on the floor of the House of Commons. [...] Labour is opposing the change and the lack of scrutiny. Gordon Marsden, the shadow universities minister, said it was “not simply technical tinkering but a major change by the government that will deprive around half a million of England’s students from lower income and disadvantaged households, of maintenance grant funding”. // &! NHS nurse bursaries - ind.pn/1IYHYbk &! bit.ly/1IWZJI0 &! bbc.in/1RAhLRv
social
mobility
income
mobility
Gini
coefficient
household
debt
discretionary
spending
disposable
income
student
loan
debt
student
loan
Bubble
poverty
trap
poverty
child
poverty
tax
credit
education
policy
post
code
lottery
affordable
housing
social
housing
University
College
Maintenance
Allowance
Maintenance
Grant
NHS
Bursaries
Career
Politicians
No
Representation
democracy
social
democracy
bank
bailout
austerity
GFC
fairness
Generationengerechtigkeit
NHS
budget2015
nasty
party
Tories
Conservative
George
Osborne
David
Cameron
Manifesto
general
election
2015
election
campaign
promises
babyboomers
Super
Cycle
2016
debt
servitude
consumer
debt
credit
card
debt
debtoverhang
student
debt
fiscal
policy
economic
history
moral
beliefs
ethics
Toff
Privileged
Establishment
inequality
Super
Rich
1%
plutocracy
oligarchy
squeezed
middle
class
working
poor
Precariat
Crisis
cost
of
living
low
income
january 2016 by asterisk2a
David Cameron leads MPs in a charade of smoke and mirrors | Politics | The Guardian
january 2016 by asterisk2a
[ bulldozing sink estates is Positioning in a better light, but nothing substantial. ] Dave was going to give people more hope in life by cutting welfare and bulldozing a few council estates. All that stood between the poor people and a £450,000 affordable home was some sound financial advice. Let them eat mortgage brokers. Most worrying for the rest of us, is that Dave actually believes all this. He is delusional rather than cynical, the smoke and mirrors having penetrated the very depths of his hippocampus. A homing pigeon, rather than Brownian motion, drew the smoke and mirrors back to parliament for Home Office questions. You know a minister is in trouble when he invokes the Office for National Statistics. The Treasury select committee had spent most of last Thursday morning declaring the ONS officially useless, but this didn’t worry the junior minister James Brokenshire. “ONS figures show … ” he said in defiant reply to a question about immigration.
David
Cameron
George
Osborne
Tories
PR
spin
doctor
Positioning
nasty
party
Conservative
austerity
Housing
Crisis
affordable
social
neoliberalism
neoliberal
january 2016 by asterisk2a
Housing crisis hits 1960s levels as tenants battle to cope, says Shelter | Society | The Guardian
january 2016 by asterisk2a
Shelter estimates that 250,000 homes a year, half of them “affordable”, need to be built in England if the crisis is to be addressed. However, latest figures show there were only 135,050 new homes over the past year, a rise of 17%, but still little more than half what is needed. [...] Figures released last week suggest that the number of tenants in serious arrears is rising. There were 84,200 tenants more than two months behind with their rent in the third quarter of 2015, the latest figures available, compared with 74,000 in the second quarter. Government statistics show that the use of bed and breakfast accommodation for homeless families with children is rising. Over the past five years, the number of households living in B&Bs has more than doubled, from 2,050 to 5,270. Meanwhile, the number of homeless households in temporary accommodation has risen by 26% over five years, from 51,350 in 2010 to 64,710 in 2015.
UK
Housing
Crisis
affordable
social
poverty
poverty
trap
disposable
income
discretionary
spending
precarious
work
Precariat
Zero
Hour
Contract
working
poor
low
income
minimum
wage
Gini
coefficient
austerity
David
Cameron
George
Osborne
underinvestment
unemployment
long-term
unemployment
youth
unemployment
structural
unemployment
job
creation
Service
Sector
Jobs
working
tax
credit
tax
credit
child
tax
credit
tax
free
income
Privatisation
Council
inequality
income
inequality
post
code
lottery
health
inequality
commuting
social
safety
net
DWP
Iain
Duncan
Smith
bedroom
tax
january 2016 by asterisk2a
Osborne warns of 'dangerous cocktail' of economic risks - BBC News
january 2016 by asterisk2a
[ 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
The end of life tenancies for council houses will be a costly mistake | Deborah Orr | Opinion | The Guardian
december 2015 by asterisk2a
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
The roof is being fixed but beware the house crashing beneath it | Business | The Guardian
december 2015 by asterisk2a
Consumer spending is driving economic growth but household debt and the house price-income ratio is at a record high. Be afraid [...] It is worth recalling that when Osborne became chancellor five and a half years ago that he had two big objectives. The first was to repair the hole in the public finances, which is still very much a work in progress. The other was to shift the centre of gravity of the economy back towards making things for export. This remains a pipedream. [...] Despite the welcome pickup in business investment, the main driver of growth has been consumer spending, which has been boosted by low interest rates, the fall in inflation caused by lower oil prices, and a modest acceleration in earnings. [...] “not the ideal shape for the recovery” and it can say that again. The current recovery looks like all the previous recoveries. [...] “Fast-rising household debt is needed to maintain a reasonable rate of growth in consumers’ spending and GDP in a world of austerity ...
household
debt
consumer
debt
zombie
consumer
recovery
credit
card
debt
credit
card
materialism
status
anxiety
USA
UK
Super
Cycle
debtoverhang
mortgage
market
Housing
Crisis
debt
servitude
NPL
property
bubble
speculative
bubbles
ZIRP
NIRP
QE
BOE
Buy-to-Let
Help
to
Buy
Scheme
Right
to
Buy
student
loan
debt
debt
bubble
student
debt
private
debt
economic
growth
GFC
fiscal
policy
austerity
industrial
policy
underinvestment
productive
investment
competitive
competitiveness
George
Osborne
dogma
ideology
neoliberalism
neoliberal
David
Cameron
Tories
nasty
party
Conservative
economic
history
energy
policy
energy
price
STEM
Manufacturing
diversity
microeconomic
policy
macroeconomic
policy
Amber
Rudd
debt
monetisation
debt
monetization
secular
stagnation
disposable
income
discretionary
spending
squeezed
middle
class
working
poor
consumerist
consumerism
trickle-down
economics
status
symbol
market
affordable
social
budget2015
marginal
propensity
to
consume
Precariat
tax
credit
december 2015 by asterisk2a
UK's most expensive city facing 'catastrophe' - BBC News
october 2015 by asterisk2a
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
october 2015 by asterisk2a
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
Average monthly rent hits record high of £816, highlighting housing shortage | Money | The Guardian
october 2015 by asterisk2a
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
Iain Duncan Smith's second epiphany: from compassion to brutality
october 2015 by asterisk2a
http://www.theguardian.com/politics/iain-duncan-smith // I've seen his benefit sanctions inflict misery on places like Easterhouse, where poverty made him weep a decade ago
Iain
Duncan
Smith
DWP
bedroom
tax
austerity
welfare
state
fairness
morality
social
housing
affordable
housing
Crisis
benefits
housing
benefit
JSA
ESA
poverty
food
poverty
poverty
trap
child
poverty
vulnerable
Disabled
mental
health
mental
illness
chronic
diseases
Tories
Conservative
Party
nasty
general
election
2015
election
campaign
promises
constituency
babyboomers
GFC
bank
bailout
tax
evasion
tax
avoidance
crony
capitalism
corporate
welfare
subsidies
subsidizing
corporate
scandal
Policy
Makers
neoliberalism
neoliberal
budget
deficit
corporate
tax
rate
october 2015 by asterisk2a
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