#house repossession in ireland

[irishinsolvency]

Expert Insolvency Solutions in Ireland: Navigating Financial Challenges

If you are unable to pay back your debts within time, it is known as insolvency. At Irish Insolvency, we provide you with expert insolvency solutions in Ireland which allow you to pay back your debts. There are several debt solutions available based on the type of debt you are in and they are all legally binding. This helps you get protection from your creditors and in some cases if possible you can write off your debt too. There are different types of insolvency problems that require different solutions.

#debt settlement solutions in ireland #personal debt solutions in ireland #house repossession in ireland #marketing #accounting #insolvency solutions

[kingcharlesofengland]

Single person isn't an Ireland. I am against Irish in England because of horrible behaviour of Sarah and other Irish.

Formal questionnaire in a welfare should be simplified questioning ownership and residential status abroad from origin.

Instead of asking what properties you have or sold the welfare officer formally should ask where your parental home residency is because all citizens have the right to residency at the parental home regardless of family disputes.

British Government welfare and housing department will be sending new questions formally to the immigrants claimants and to their Governments for repossession order due to allocation of housing and welfare.

Parents cannot dismiss birth children and reside in a family home. A family home must be either divided or disannounced as a family home and paid to children to purchase a new home.

All international immigrants will be reporting parental homes and housing welfare security number national insurance numbers from their origin. Immigrants employees will take the same info from the British Government and mainholders living Royalty to justify the English system for habituation.

🇬🇧⚖️✍🏻📝©🏰🏴󠁧󠁢󠁥󠁮󠁧󠁿

[duchessofostergotlands]

HelloQ As someone who isn't a Brit but loves watching The Crown, I need a quick run down about why you don't like Thatcher.

Is there one main reason people in the UK dislike Thatcher or is just her overall politics? Or sth else?

How do I even begin to describe Regina George Margaret Thatcher? @princesscatherinemiddleton helped me with this because it’s hard to summarise the full impact of the hell spawn that is Milk Snatcher

Let’s start off with why we call her Milk Snatcher. Back when she was Secretary of State one of her major policies was cutting free milk for school children. It wasn’t by any means the worst thing she did but it was seen as pretty callous - especially as it didn’t save all that much money 

Section 28 - Her government enacted Section 28, a law which banned schools from saying that LGBT relationships were acceptable. Section 28 was the benchmark for anti-LGBT policies and has been used as a model for countries like Russia. She said “children who need to be taught to respect traditional moral values are being taught that they have an inalienable right to be gay.” 

Social Housing - Margaret Thatcher’s government allowed people to buy their own council houses. The problem is they sold off all the council houses and didn’t replenish the stock. Fast forward a few decades and those policies are one of the main reasons we have a housing crisis where someone of my age will possibly never own a home and where disadvantaged people are on waiting lists for homes. It also didn’t actually benefit anyone who it was supposed to - most people who purchased council houses under this scheme were middle class people who already owned a home. People who did buy their homes also found interest rates of up to 17% which meant people struggled to pay their mortgages and repossessions rose. 

Privatisation - Thatcher kind of set the model for privatisation of the NHS and other industries by introducing an internal market where private companies would bid to deliver contracts. The wake of that can be seen to this day, with Boris Johnson handing major COVID contracts like track and trace to organisations and individuals with no health care contracts which have achieved absolutely nothing. 

Ireland - this is not an area I know a lot about but I know she supported purchasing weapons which were used to kill ordinary Irish citizens. She also wanted to bring back capital punishment for IRA prisoners 

Income inequality and unemployment - The richest got richer while the poorest had the slowest income rise. This led to an increase in income inequality. Unemployment was also incredibly high under her and the number of children living in poverty doubled while she was PM 

The poll tax - This is a biggie, one of the main things people remember about her. The poll tax essentially charged everyone the same regardless of what they earn. Naturally that’s shit. It also meant a reduction in the taxes paid by the most wealthy and increase for the middle and working class - a Tory hallmark. It was hugely unpopular and led to massive riots

Tying in to this is the fact she trialed the policy in Scotland first. One of the reasons she and English politicians generally are so disliked in Scotland is because they tend to use us as a guinea pig for their complicated, potentially unpopular policies 

The miners - Another biggie is the way she treated the miners, and more broadly the working class. Thatcher made it her mission to shut down traditional British industries like mining, ship building, steel etc. She also wanted to try and shut down trade unions and stop workers from having their say. In response there were major strikes. They ignored them, the strikes were ruled illegal, and the mines and factories were shut down. These communities often relied on those industries for most of their income. Unlike previous PMs who had shut down these industries (because they were in a bad shape, no denying that) was she made no real attempt to invest in those areas or to support economic development following the closures. People just lost the entire town’s source of income and had nothing. To this day these areas are amongst the poorest and most deprived in the UK 

I’m sure there are a lot more but those are the main headings 

#margaret thatcher #ask #anon #non royal

[letsimportanttreecollection-blog]

El Paso Texas Cheap car insurance quotes zip 88545

"El Paso Texas Cheap car insurance quotes zip 88545

El Paso Texas Cheap car insurance quotes zip 88545

BEST ANSWER:  Try this site where you can compare quotes: : http://saleinsurancequotes.xyz/index.html?src=tumblr 

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El Paso Texas Cheap car insurance quotes zip 88545

El Paso Texas Cheap car insurance quotes zip 88545

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El Paso Texas Cheap car insurance quotes zip 88545

El Paso Texas Cheap car insurance quotes zip 88545

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What are the topics for research in insurance?

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I am 16 years of age, and I own a '85 2.8L V6 Fiero GT. It's of course 2 door and a sports car. I have the title and plates all ready in my name. I was wondering before I go to get insurance Monday, do you guys think it will be expensive for me? My mother is adding me as a second driver and sadly I am not carrying a B average for that discount. I tried getting some quotes from Progressive it was 650 and Nationwide it was 800, and my mother uses Nationwide. I am not sure if I did the quote correctly though because it shouldnt be that much! Please any helpful idea's or thoughts! Thanks.""

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i was crashed into yesterday by some one who ran a red light, we made a police report and the man has claimed responsibility, he told me not to notify the insurance company and that he would have someone take care of the damage himself, the total estimate was 1856.00 dollars, he said he does not have the money to pay me but will have his :friend do the repairs for him, keep in mind this does not include car rentals fees and the inconvenience of not having my vehicle for a week, I'm set on ignoring this man and calling my insurance company today, my question is what should I do, I'm right for just ignoring this man who seams to have mental issues and going straight threw the insurance.""

Car insurance help.first to answer gets best answer.?

I want to get a 2003 Nissan 350z. im worried about insurance cost though. for a 17 year old with no tickets and no wrecks how much do you think car insurance would be? first to answer gets best answer.

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Jw if I get a 125 or 250 quad if the insurance will be similar to a bike or car same with tax Cheers

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Around how much would my car insurance be?

I was thinking about buying a 2001 chevy camaro that my friend is selling. I wanted to purchase the car but my mom said I shouldnt because the insurance for the car would be too much. I'm 18 years old. I also know that different insurance companies will have different prices. Just wanted to know if anyone can tell me around how much I would paying. Thank you for your time

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The word going around is that the change in our insurance coverage is only going to drop by a small amount due to the act, and the price someone told me is much more than 9.5% of my income. If I apply through the marketplace for the reason that I cannot afford insurance with my company, will they be fined for not offering me an affordable plan, or do they just get fined for not offering benefits at all?""

Insurance and garages?

if your buying a car from a garage will they ask for proof of insurance bought before they let u drive it away or are they not bothered? ive arranged insurance online today and am picking up car later will they let me drive off with car if i say i booked it over the phone, obviosuly i dont have any paperwork as its coming through post?""

Car insurance questions - with regards to cancelling due to cheaper quote?

I have a couple of questions with regards to my car insurance. First of all, if I do a search on moneysupermarket.com/gocompare.com etc, will it record a search on my credit file? I turn 25 fairly soon, and I have a feeling my insurance should probably reduce accordingly, and want to know if it's worth my while shopping around. My current insurance policy ends in October. Also, if I do decide to shop around, and find a policy cheaper than what I'm currently paying, can I cancel my existing policy before it's due to end? I'm not sure how it works with car insurance - i.e. I know, if you wanted to cancel your phone contract early, you would be liable to pay the price for the whole contract - is it the same with car insurance? or can I just cancel it whenever I like?""

Do you have to report a DUI to the car insurance company?

My friend got a DUI not too long ago. This is the state of Florida, and she has Allstate. I understand that her getting a DUI is now public records because she spent the night in jail. Because the fact that it's public records now, is she required to inform her Allstate insurance company about her DUI? Also, what will happen either way whether she reports it to insurance company or not? Will they remove her from her insurance or jack up the rates? It is her FIRST DUI and other than that she has a good driving record. Thanks.""

Can i get Renters insurance if i am?

Can I get rentersinsurance if i am living in one of my uncles home?

El Paso Texas Cheap car insurance quotes zip 88545

El Paso Texas Cheap car insurance quotes zip 88545

Licence and Insurance?

im 17 years old and i have my probationary quebec licence. I am insured on the car and am able to drive it alone but with 4 points and 0 alcohol tolerance. Would i be able to drive in the USA with my licence? but i would have to get insured with an american company. any idea how much that would cost? thanks

""I am 18 years old and have 6 points on my driving license, will my insurance cost go down after a year?

I currently aren't on any insurance policy!

How can I get the cheapest possible car insurance?

I'm going to buy my first car in a few months, and I need to sign up for car insurance. I don't know where to start. I only work part-time so I want the bare-bonest of plans, absolute cheapest possible.""

Insured driver drives uninsured vehicle and crashes into my car. Is her insurance responsible?

Basically a woman who has her own insurance drove her friends uninsured vehicle and crashed into two parked cars including mine. Will the drivers insurance par for the damages or will they get out of paying? I have my own insurance, but I don't want my rates to go up because of this moron which is why I would rather have the drivers insurance pay for it. Any advice would be appreciated.""

What is a good affordable medical insurance for the California Area?

What is a good affordable medical insurance for the California Area?

Can a 16 year old male afford a Mustang with a V8( GT or LX)?

I've discussed getting a mustang to my family and friends for quite a while now. I know the downsides, high insurance, bad gas mileage, and too much power(according to my parents). I'm a big fan of the foxbody('79-'93) mustangs and I also really want a V8 and I also want stick if that matters. The way I see it, I'm going to pay a lot for insurance no matter what, so why not pay a little bit more and pay for the car I really want. It doesn't matter if its an LX or GT even though I've heard that LX's are cheaper, but how much cheaper. I've looked around for answers to this question and all I've seen are responses that tell me either that its stupid to get a Mustang or I find answers that have links for sites that will tell me. I just want a good answer and possibly how much insurance will cost me. I only want minimum coverage and it will be on my mom's policy. Also, one more question, how much cheaper do you believe a '90's Honda Civic(2 door sedan) would cost me in comparision to a V8 Mustang? Thanks for any responses, Aaron.""

I wanted to now about car insurance liability?

my boyfriend is on his mums insurance, but the other day, he had a little bump, which wasnt his fault, the person in front kept breaking spontaneously on a very busy road which caused him to slightly go in to the back of her car, theres no damage to his mums car and hes says (and i fully believe him) that the only bit of damage to their car is a few screws missing, yet they have still got the insurance company involved, but he really wasnt liable for the little bump, it wasnt his fault, the other person kept putting breaks on and i know you can fail your test for breaking like that on a busy road, i just want to know what will happen about his mums insurance now as hes really worried.""

Can you drive any car with the COOP's fully comp insurance?

if i have fully comp with the COOP does this mean i can drive other cars who drivers are fully comp too. I have had a look all it could find was this, http://www.co-operativeinsurance.co.uk/cfscombi/pdf/Car_Insurance_Policy_Document_Part_A.pdf PAGE 14, 1 (iii)""

Health Insurance question?

Do any one know a insurance in California that cover pre-existing condition? I am eighteen year old with no insurance still living with my parent which have no health insurance. We had medical but it expired. I have heart problem the doctor said i need to get insurance that cover pre-existing condition. I have try getting quotes online. Or know any good insurance i should try giving a call to.

Cheap car insurance quotes??

I've heard 'Co-op' is a good place to get cheap car insurance from.. However i've tried to get a quote of their site and it seems they want you to have a car already chosen or something. I don't have a car, im 18 and i neeeed one. Can anyone help me!? I'd like a fiat 500 orrrr a silver fiesta. Thank you!""

Insurances for starting a small business?

What are all the difference insurances for starting up a business? Please include a source or proof of your numbers

What would the insurance cost for a citreon saxo?

I'm nearly 17 and i'm most probably getting a citroen saxo, a second hand one, something cheap. I was just wondering how much the insurance might costs roughly. Thankss""

""How much in total (average), does one pay for Car insurance (for 1 car), and Health insurance (for 1 person)?

im 17 years old and just curious

Does anyone knows if AIG agency auto is the same as granite state insurance company in California?

Does anyone knows if AIG agency auto is the same as granite state insurance company in California?

Would it be better for our government to give everyone health insurance or?

Produce more health care resources by increasing funding for medical schools and work to flood the market in health care services thus making it more affordable for everyone?

Will my car insurance go up much?

im planing on buying a new car in the next few weeks, im just wondering, will my insurance go up much? I currenty have a Peugeot 206 GLX 1.4, 2000 reg. I am hoping to get a Vauxhall Corsa S 1.0 ecoFLEX, 2011 reg What other cars should i consider, that are cheap to run/ insure / road tax ectect..""

How to become an insurance underwriter?

Im looking to move on in my career and I am really interested in becoming an Insurance Underwriter. I am currently studying for the CII FIT exam and was wondering what else I would require. Any help appreciated thanks.

Can you pay for Car Insurance in monthly instalments by direct debit using someone else's card?

I want to take out car insurance in my name but I do not have a debit card, can I use my mother's account to pay in monthly installments? All the insurance companies I have tried so far will only take a payment for the full amount and will not spread the payments by direct debit if the card is not in my name. Can anyone please help as I only have a post office account and am unemployed receiving benefits so cannot afford to pay the lump sum and have been turned down for a bank account as I have a poor credit rating.""

Can I use European car insurance in the uk ?

Insurance prices in the UK are insane. Can I buy a UK car but get it insured with a European company in a European country (Hungary for example has really cheap car insurance) will this insurance be valid in the UK ?

Allstate Insurance Price Estimate?

I was wondering what the price of a 1993 2.3 L V4 Mustang LX would be for a 17 year old male would be with less than 100K miles on it

Insurance company offers online business insurance?

hi, ive been trying to set up this business for the longest time now and my only problem is insurance. i need general liability insurance just incase i ship something out and a customer tries to blame my packaging and sues me. im selling coral and LED lighting. the insurance companies i tried were hiscox, nationwide, state farm, bolt, and so many more i dont even know the names anymore. they all say they dont offer any type of insurance for businesses that sell products or they dont offer insurance for online selling, does anyone know an insurance company that will be able to give me insurance for online selling? i only need $300,000 coverage i dont want a million dollars because then its to expensive and i know no one will sue me anyway the way this industry is ive never heard of someone sueing EVER my dad just wont let me start the company without insurence""

How to switch car insurance in New York State?

I'm currently with geico! I'm thinking to switch to progressive. But my geico police expires on octobre 2013, It this an issue? if I choose to switch car insurance provider do I have to notify the DMV about the Change? Thank you""

""Having a driver's license, but no car? Insurance question.?""

I'm 18 years old and currently have my driver's license and pay car insurance on it under my parents insurance plan. I want to know if it's possible to sell my car and stop paying for the car insurance. Is it possible to have a drivers license, but not be paying for insurance? I wont be driving any cars, I'm going to get a motorcycle. I live in Florida.""

I scraped the bumper of a parked car. Is it cheaper to pay it off or send it to my insurance?

I have a clean driving record, but i accidentally scraped a car parked next to me. There was a dinnerplate sized scrape, and the guy sent me a estimate for $400. Will it be cheaper for me to send it to my insurance, or pay it out of pocket?""

Will my grandfathers insurance go up if I was using the car?

My grandfather let me use his car for work one day (I have no car of my own) and I got a ticket. I went to court today for it, the gave me one point on my license. Will this effect his insurance even though its not my car and I am not on the policy? Or will it only effect my insurance when I get a car of my own?""

El Paso Texas Cheap car insurance quotes zip 88545

El Paso Texas Cheap car insurance quotes zip 88545

https://www.linkedin.com/pulse/progressive-auto-insurance-problem-robert-hamilton/"

[jenniferstolzer]

Hey! Not counting Babylon 5 and Buffy, please give me a list of like 5(?) movies/games/anything that you highly recommend!

I don’t know how I could possibly whittle it to 5! I love an awful lot of stuff. I wrote this super long rec list with like 50 things, but I’ll keep the number lower as not to overwhelm you. Know this isn’t nearly all the things I love, and there are plenty more recs where these come from. For now I’ll try to pick a variety. 

1, Psychonauts by Double Fine. If you buy a lot of humble bundles youprobably already own it. It’s a platforming adventure game about akid who runs away from the circus to attend a psychic summer camp.The art style is unique, the story is interesting, but above all…the writing is superb. It’s very funny with well drawn characters.If you have the chance, grab it on Steam or GOG (or xbox and ps2) andenjoy 8 hours of feel-good adventure. 

2, Skullduggery Pleasant - Dark comedey/adventure/mystery book series about a skeleton detective going on magical adventures inmodern day ireland. It’s told mostly from the point of view of histeenage sidekick (excuse me, battle accessory) Valkyrie Cain who is anewcomer to this magical world after her favorite uncle wills her hishouse (and all his friends including Skul). Each book features quips,cleverness, and magic and explores new facets of the worldSkulduggery inhabits with off the wall characters, end of the worldscenarios, and one of the most unique magic systems I’veencountered. I highly recommend this series to anyone who liked HarryPotter but wished it was more like the Dresden Files.

4, Steam Powered Giraffe - This group of musical robotsis part stage performance, part rich comic lore, part folk/pop/rockgroup. The performers, themselves, take on robot characters that theyperform as on stage. The personalities of the robots come through inthe songs they sing and story notes on their website and in theongoing comic book. They’ve got 5 studio albums, 1 live album, a bunch of music videos and full-length shows up on youtube, AND they’re getting ready to launch their 10 yearanniversary show, there’s no better time to get into the singingrobot band.

4, Gregory Horror Show - This obscure cgi “anime”is a series of 2 minutes shorts with off-the-wall characters andheavy introspective themes. It’s a bit goofy looking at first, butstick with it.The characters become varied and more bizarre the deeper you get. The first season is told from a first person point of view of a guest at the hotel, and begs the question whether the fellow guests are real or if they’re aspects of a tortured mind. Each season can be completed in about 2 hours and will give you lots of to think about in that time. You’’ll be asking yourself what the weight of yoursoul is soon enough. 

5,  Repo the Genetic Opera - Not for the squeamish, thishard-core screen musical is by the guy who made the 3rd and 4th SAWmovies. It’s about a world where widespread organ failures havefostered a world of commercial surgery where transplanted organs canbe repossessed like cars. Lead character is Shiloh, a 17 year-old girl living with a blood disease that sequesters her from society, and her father Nathan Wallace who takes a job as a repo man while haunted by memories of his dead wife, her mother. it’s dank and goth/punk and melodramaticas hell. If you’re a Buffy fan additional draw - Giles is in it!Singing with a halfway believable american accent! This is actuallywhere I met Tony first

If you want more information hunt the links on my blog (there’s probably a ton of fanart. Warning for possible spoilers) or send me a note. I can provide watch links for any of thesethings, or if youwant other recommendations along these lines I can help with thattoo. 

And of course there’s always my own book that Iwrote, Threadcaster, whichyou can find on Kindle and Amazon. 

It’s a YA novel andseries of tie-in short stories about a young girl on an adventure toransom her pissed off and absent god back to her dying world becauseher friend is slowly turning to stone. You can learn more about it atwww.threadcaster.com @threadcaster​

PS- GO WATCH BABYLON 5 IT IS MY FAVORITE THING EVER AND YOU’LLTHANK ME/ CURSE ME FOR IT LATER

#jen replies #recommendations #I realize I love too many things #and I love them very hard #so it was extremely difficult to pick one thing over the other #my ask box is always open #psychonauts #steam powered giraffe #gregory horror show #repo the genetic opera #skulduggery pleasant #deadpansal

[irishinsolvency]

House Repossession In Ireland: Expert Solutions for Saving your Home

There are several options you can apply for before your house is repossessed. But if this is the only option you are left with, the first step would be for you to look for another house somewhere else. An effective way to do that is to apply to the local authority to house you. You can also look for a voluntary housing association.

#debt settlement solutions in ireland #house repossession in ireland #personal debt solutions in ireland #marketing #accounting #insolvency solutions

[kingteeshops]

If you dont like the way I do things feel free to mind your own fucking business shirt

You may have seen If you dont like the way I do things feel free to mind your own fucking business shirt . our Home Sweet Home printed t-shirts around Dublin over the past month accompanied by the singing of, "Come gather round people wherever ya roam", yes, the times are most certainly a-changin'. Vulture funds, repossessions, evictions and entire families living in shoebox hotel rooms. People abandoned by their government, this seemingly is how the times have changed in Ireland. But at last a force has risen up and said no, we will take no more. In early December the NAMA possessed property, Apollo House, was occupied by the now legendary 'Home Sweet Home' movement. If you dont like the way I do things feel free to mind your own fucking business shirt, hoodie, sweater, longsleeve and ladies t-shirt

Classic Ladies

Hoodie

Sweatshirt

Unisex The Apollo House occupation was initiated to get the most vulnerable homeless people off the streets of Dublin into a safe, warm and respectful environment while bringing awareness to the fact that a large section of Irish society has been completely ignored by the government and left literally out in the cold If you dont like the way I do things feel free to mind your own fucking business shirt . Our buddy at Home Sweet Home, Dean Scurry, who has been a driving force behind the movement got on to us and to the chant of, 'Get up, stand up' we started printing Home Sweet Home t-shirts for Dean to distribute across the city. By now you must have seen the instantly recognisable sight of the white tee with the red 'Home Sweet Home' logo worn by people all over the city in solidarity with the movement. The Home Sweet Home movement is a great example of how t-shirts can drive a social campaign. It helps spread a message, engage an audience and widen your pool of supporters. Not only does it increase your numbers but it gives onlookers the impression of an army, an army that you need to take notice of. Dean and his comrades have sourced a better environment for the occupants of Apollo house and brought widespread national focus to the ever increasing housing crisis and its impact on society's most vulnerable. The T-Shirt Company are proud to be a part of this movement as it is an issue very close to our hearts and affects all of us.The future is brighter than it was a few weeks ago. A sense of unity has been restored to the social fabric of our nation's capital and it appears that the government can no longer ignore the plight of those living in despair. At last the public have been given a platform from which to voice their support for a fairer Ireland. The disillusionment that so many of us have felt in our recent history hangs over us and Home Sweet Home have presented us with an opportunity to rally and demand real social change, affordable housing for those that can afford it and help for society's least fortunate. It is our responsibility, our duty to continue this fight while there's wind in the sails of change. You Can See More Product: https://kingteeshops.com/product-category/trending/ Read the full article

#IfyoudontlikethewayIdothingsfeelfreetomindyourownfuckingbusinessshirt

[tshirtfashiontrend]

If you dont like the way I do things feel free to mind your own fucking business shirt

You may have seen If you dont like the way I do things feel free to mind your own fucking business shirt . our Home Sweet Home printed t-shirts around Dublin over the past month accompanied by the singing of, "Come gather round people wherever ya roam", yes, the times are most certainly a-changin'. Vulture funds, repossessions, evictions and entire families living in shoebox hotel rooms. People abandoned by their government, this seemingly is how the times have changed in Ireland. But at last a force has risen up and said no, we will take no more. In early December the NAMA possessed property, Apollo House, was occupied by the now legendary 'Home Sweet Home' movement. If you dont like the way I do things feel free to mind your own fucking business shirt, hoodie, sweater, longsleeve and ladies t-shirt

Classic Ladies

Hoodie

Sweatshirt

Unisex The Apollo House occupation was initiated to get the most vulnerable homeless people off the streets of Dublin into a safe, warm and respectful environment while bringing awareness to the fact that a large section of Irish society has been completely ignored by the government and left literally out in the cold If you dont like the way I do things feel free to mind your own fucking business shirt . Our buddy at Home Sweet Home, Dean Scurry, who has been a driving force behind the movement got on to us and to the chant of, 'Get up, stand up' we started printing Home Sweet Home t-shirts for Dean to distribute across the city. By now you must have seen the instantly recognisable sight of the white tee with the red 'Home Sweet Home' logo worn by people all over the city in solidarity with the movement. The Home Sweet Home movement is a great example of how t-shirts can drive a social campaign. It helps spread a message, engage an audience and widen your pool of supporters. Not only does it increase your numbers but it gives onlookers the impression of an army, an army that you need to take notice of. Dean and his comrades have sourced a better environment for the occupants of Apollo house and brought widespread national focus to the ever increasing housing crisis and its impact on society's most vulnerable. The T-Shirt Company are proud to be a part of this movement as it is an issue very close to our hearts and affects all of us.The future is brighter than it was a few weeks ago. A sense of unity has been restored to the social fabric of our nation's capital and it appears that the government can no longer ignore the plight of those living in despair. At last the public have been given a platform from which to voice their support for a fairer Ireland. The disillusionment that so many of us have felt in our recent history hangs over us and Home Sweet Home have presented us with an opportunity to rally and demand real social change, affordable housing for those that can afford it and help for society's least fortunate. It is our responsibility, our duty to continue this fight while there's wind in the sails of change. You Can See More Product: https://kingteeshops.com/product-category/trending/ Read the full article

#IfyoudontlikethewayIdothingsfeelfreetomindyourownfuckingbusinessshirt

[cavitymagazine]

Chiara had spent the hot day sending him racist memes and naked pictures of herself smoking weed with captions like “use me” and “punish me Daddy”, so when he finished work he walked through the evening heat to her apartment on Sussex Road. They had sex in the degrading style favoured by many of the fascist women he’s slept with. He spanked her and called her “my Italian slut” and she growled “hit me” with strands of hair stuck to her face from the heat and afterwards they slept until the fingers of late-evening chill reached in the open window and woke them up to the twilight sounds of eating and drinking in the outdoor seating of the restaurants on the street below her apartment. He put back on his work clothes. She pulled a Sea Shepherd t-shirt down over the nordic tattoos on her ribs. They went out into the last light to smoke weed.

They sat side by side on the fire escape, six floors up. She lit a joint and they passed it between them. They inhaled the weed and the smell of the spring evening and the promise of summer you get in April that’s always better than the summer that comes. Two Chinese lanterns drifted like UFOs across the sunset.

“These things kill birds.”, she said, stretching her t-shirt over her knees.

The smoke from the joint rose into the pre-night sky. He thought he could hear the sea from miles away where the scattered lights of the skyline stopped. A breeze ruffled through the trees in the car park below. The waving leaves fanned up the sounds of the city again—a car starting, a gate closing, a dog spooked by something in the almost-dark, the offbeat steps of someone walking with keys their pocket, a barge lapping down the canal, words drifting back and forth between a drawn out group of dawdling friends, the lonely drumming of another office block being built overnight.

He was a journalist. He was investigating the investment funds who were taking over the Dublin property market—Blackstone, Cerberus, IRES Reit, Kennedy Wilson. He thought of them as an invasive, subspecies of money. He looked down from the fire escape at that crime scene of a city and imagined dark movements of money running along in the streets like eels along the bottom of a lake. He smoked and watched the dark sway as the funds moved more blocks of apartments onto their balance sheets. He watched as rent left silently from drowsy family kitchens and passed through walls and borders and oceans and into the bank accounts of corporate landlords. He imagined houses being repossessed by shadowy security firms. He thought of homes being turned into AirBnBs and of tourists appearing in them overnight like ghosts.

He could see money more clearly in the daytime when it took its human form, as accountants, property managers, bankers, surveyors, solicitors, former politicians. Or as men in balaclavas—sabotaging protests, infiltrating movements, breaking down desperately barricaded doors, putting families into the street with their lives in black bags on the ground beside them, and disappearing again into the white vans he thinks might be following him.

They finished the joint as the spring night fell over Dublin like the shade from a tree. A man stood alone in the car park below, staring up at them. They went back inside.

She changed into her pyjamas: a hoodie which had “don’t need sex because capitalism fucks me every day” written on it. She was on big money though. She worked for a cyber security company. She said she would rather be a housewife and be “paid by a man to lounge around in lingerie”. She rejected as “girl-boss feminism” and “peak neoliberalism” any attempt people made to praise her for being a Woman in STEM. She refused all invitations to speak at conferences with names like ‘The Women Disrupting Tech’, ‘Girls Who Code’, ‘Hacking the Patriarchy’ and ‘Queering the Algorithm’. Her Tinder bio read: “dominate me in the bedroom, not in the workplace”.

For a man like him, a Marxist-Leninist and occasional Maoist Third Worldist, there was something so appealing about a woman who so angrily rejected liberal feminism. She was a tech fascist who believed in the utopian vision of the early internet. She was a tech fascist who believed that Europe was diverse enough a hundred years ago. She had moved to Ireland because the tech industry here pays so much. She had moved to Ireland because it was the whitest place left in Western Europe. She had access to sensitive information and she was passing it on to him because she believed all information should be free. She had access to sensitive information and she was passing it on to him because it would hurt the “Jewish conspiracy of global finance”.

She took a USB from her weed box and handed it to him as he got ready to leave. She pulled the curtains across the open window and wrote on a post-it note:

“This is big”

“What is it?” He wrote back.

“Check on this when you get home.” She wrote.

The post-it notes fell around her feet. She put a new laptop into his bag.

“It hasn’t been contaminated by the internet, don’t connect it.” She wrote.

“Thanks.” He wrote.

“Imagine you’re being watched.” She wrote.

“Am I?” He said aloud.

She underlined ‘imagine’ with three lines.

He left her place. The night was so beautifully laundered by the spring air that he started walking back to Cabra under the smell of the new-born leaves. There are always a few nights like that in April, when the first heat intoxicates the city and the streets sway with that first drink feeling of a good thing beginning.

He turned onto a quiet, cooling street. A white van was driving behind him. He walked. He listened. Everything sounded pre-recorded on a soundstage like in a film noir from the fifties: a bike ticking by; a curtain beating against an open window; his footsteps; his breathing; his heartbeat. He was sure it was the same white van that had been following him for weeks. He watched it as it passed. He checked for alleyways or driveways he could disappear into. He turned around and walked back towards the busy safety of Mespil Road. The van went by again. His heart panicked as it passed. On Mespil Road he put his hand out for a taxi. He sat into the backseat and closed the door.

It’s interesting, psychologically speaking, the driver said eventually, the way you tried to open your door so soon after you got in.

Don’t you think?

I had a chap in the car last week. Drove him all the way and he never tried that door once.

Do you know why?

Control.

Control.

He didn’t want to admit to himself that he couldn’t get out. He could’ve tried the door. He could have been on his way. But he let me take him without even trying to escape. Just sat back there chatting. Playing it cool, you know.

Interesting isn’t it? Psychology.

I’m interested in that kind of thing. 

The mind.

Now you’ve got the opposite problem. You took one look at me in me sunglasses and thought to yourself fuck this I’m away. Sunglasses at night, you says to yourself, what’s with this fella?

But now.

You know the door is locked.

I know you know the door is locked.

You know I know you know the door is locked.

I know you know I know the door is locked.

Interesting isn’t it?

Psychology.

Hear that? Last train going over the river. Anyone on that train, coming into town Thursday midnight, they’ve a story to tell. More interesting than the stuff you’re writing now.

We’ve a few journalists with us. They do well. Decent money, a few stories when you need it.

Someone your age, in all seriousness, needs to start thinking about the future.

Planning.

Your rent is what…€700 a month?

Rent is money down the drain.

Down the drain.

Stoneybatter. Some lovely pubs around here.

Look at that lad. Not from Mayo is he.

I was over in Jamaica for a while but. Working for himself. Great country. Lovely beaches. Good weather. Great place to do business. That’s why he’s there of course. Lot easier to deal with people such as yourself out there. No messing around. You want something done—bang—you just pay the right man and it’s done.

Get in the way of progress and—bang.

No messing.

You know who runs this country? You know who you should be investigating?

The unions. The people who contribute nothing. The bloated public sector.

This thing you’re looking into. For example, classic example. The government sold the properties at such a low price because the fund had businessmen working for them, and they were negotiating, think about it, with who? With civil servants and politicians. That’s the whole story. Write it if you want. Public sector versus private sector. Private sector wins every time. There were no bribes or anything.

Just pure business acumen.

Free market. Winners and losers. Simple as that.

Roads are quiet out here.

Dark houses.

You’re probably hoping your roommates are home. Housemates I suppose, should be called.

You’re 36 yeah?

If you don’t mind me saying, you should be putting down roots. Should be saving.

You must spend, what, 50 quid a week on weed. Cut that out and you’d have what…52 weeks in a year…5x5 is 25 that’s…you’d have about €2,600 extra in your pocket. You’d be surprised how quickly it adds up.

Honestly.

There’s no one home tonight by the way.

The accountant is in Frankfurt.

Midwife’s at her fella’s.

Now this is you isn’t it?

You make my job interesting I’ll give you that. Lot of overtime.

160...162…164…66…68, now.

Before you go.

I was watching ‘Narcos’ last night. On Netflix. It’s a series, not a film. Very interesting. It’s about Pablo Escobar. Colombian drug lord. He gives people a choice right. “Silver or lead” he says. In spanish. Worth a watch. On Netflix.

Now, 13.90 is the damage.

Thank you sir.

And 5 is 18.90 and one is 19.90 and 10 cent is 20 and that’s yours back.

The driver reset the meter, turned on the roof light and drove away past the night-coloured houses.

His house was silent. He opened the door. He stared into the hallway. He sniffed the air. A truck dipped into a pothole on the main road. The noise of it shocked him into slamming the front door behind him. The noise of that scared him too. He turned on the light in the hallway. He turned on the light in the narrow kitchen. He turned on the light in the dusty living room. With downstairs lit up it was like the dark outside was staring in the window at him. He took a knife from the draining board. He held it in front of him like a gun and walked upstairs. He stopped after every step on the carpeted stairs to let the creaking wood underneath his foot go silent.

He went into his room knife first. The window was open. The room had been brushed clean by the bristles of spring breeze which had been blowing in since he left that morning. He turned on his desk lamp. He rolled a joint in its light. He smoked out the window. In the time he was in the taxi dew had fallen like snow and like snow it had shocked the small gardens and the empty suburban streets around his house into silence. His neighbour’s gardens were abandoned and embalmed, full of toys, bikes, paddling pools, footballs, sun loungers and kitchen chairs; like the curtain had just gone down at the end of a play.

She texted him.

“I think we should stop doing this.”

He put the USB into the laptop she had given him.

“Ok.” He replied.

He typed in the password. She had copied all of the investment fund’s emails and their slack chats and their bank accounts and their internal payments system.

“Can I come over?” She texted him.

“Ok.” He replied.

He read some of the emails. They talked about bribing politicians and government officials so they could get all those apartment blocks and offices and housing estates cheap. All that property and debt the government bought after the banks collapsed. He made notes. He wrote on post it notes and attached them to the wall. His joint went out and ashed on his notes.

He was tired but didn’t want to sleep alone. Maybe it was the shock of the taxi, or the way she completely surrendered to him during sex, or the way she quoted Lacan when they lay together afterwards, maybe it was his receding hairline which he checked every night, watching it as if it was a clock ticking towards the end, or maybe it was the sounds on the stairs he searched his brain to explain away.

She opened his bedroom door.

“How did you get in?” He asked her.

“Hi to you also.” She said, sitting on the side of the bed, taking her leather boots off.

“Your housemate let me. He always wears sunglasses at night?”

“What did he say?”

“He said you were upstairs. And then he sat on the kitchen with a glass of water.”

“One second.”

He went downstairs and into the kitchen with the knife out in front of him. A glass was on its side on the table, rolling back and forth. Water dripped from the table onto the floor. It pooled by his feet. He waited. The sky lightened as he waited. The house fell into dawn. Morning heat rose in waves from the damp garden. The joint wore off. He checked all the doors. He went back upstairs.

She was asleep. She had written ‘slut’ in lipstick across her chest. He smoked out the window. The good weather stirred outside. He heard a van parking and wondered if it was white. She woke up.

“Rape me.” She whispered, sleepily.

The sound of birds singing came in the open window. Like every haunted man, the singing reminded him of sleep.

[The Man in the Black Pyjamas is an Irish writer based in Bogotá. He has been previously published in ‘The Irish Times’, ‘The Moth Magazine’, ‘Cassandra Voices’, ‘Number Eleven Magazine’, ‘Deep Water Literary Journal’, ‘Increature Magazine’, ‘Cold Coffee Stand’ and ‘Headstuff Magazine’. He won second place in the Fish International Short Story Competition in 2016. He tweets at @pyjamas_black.]

[whichmortgage]

First-time buyer activity in decline before Covid-19 hit: UK Finance

Offsetting a decline in first-time buyers, buy-to-let house purchases increased by a comparatively large 7%. Mortgage lending was flat in the first three months of 2020 compared with a year ago, with an increase in buy-to-let activity offset by a drop in first-time buyers, according to the latest data from UK Finance. The figures show that first-time buyer numbers have been declining slightly since October 2019 and have remained subdued in aggregate, however UK Finance noted that there have been wide regional variations in activity, likely due to Covid-19 disruption. In London and the South East, growth in Q1 was much stronger than Q4 2019. This differs from the rest of the UK, where there has been a drop-off in growth in Q1 in almost every geography. This trend is particularly marked in the devolved nations and the North of England, with year-on-year drops in volumes reaching as high as 10%. While these negative growth rates have affected the UK’s overall growth, the improvement in first-time buyer lending in the South has offset the drop elsewhere, leading to a relatively modest overall decline of 3%. For those regions now showing a year-on-year decline, the rate of decline looks to have accelerated throughout the quarter. In the majority of regions there was a drop in January followed by more significant falls in February and March in first-time buyer completions. Again, southern England was less affected by this trend, with the most pronounced – and accelerating – declines concentrated in northern England, Northern Ireland and Scotland. In geographies such as Yorkshire, Scotland and Northern Ireland, these declines in activity follow overall first-time buyer growth in 2019, whereas the south of England had declines in FTB activity last year. Interestingly, this is not a movement seen across the whole house purchase market. While homemover activity in the south of England is consistent with first-time buyer activity there, homemovers in the rest of the UK have behaved differently to first-time buyers. In Northern Ireland, which saw large declines in first-time buyer activity, there was strong homemover growth. Likewise, Wales saw homemover growth in both quarters as opposed to drops in first-time buyer volumes in both quarters. In only four of the 13 regions was lower growth recorded for homemovers in Q4 2019 than in Q1 2020, compared to nine of the 13 geographies where this was the case for first-time buyers. Offsetting a decline in first-time buyers, buy-to-let house purchases increased by a comparatively large 7% in Q1 2020 compared to the same period in 2019. Richard Pike, sales and marketing director at Phoebus Software, said: “We can now see exactly how the first quarter of the year panned out and how the coronavirus lockdown had an almost immediate affect on the housing market. It is interesting though to see that the first-time-buyer market had been declining across most of the country even before the crisis. This could be a trend that continues, at least until housebuilders get back to full capacity and new build properties start to become available again. “However, from every negative there is a positive and it appears that, without the general ability to ‘go out’ and spend money, people have not only spent less on credit, but have managed to save and also pay off debt. The number of borrowers that have taken payment holidays at 1.8 million to date, is considerable and lenders will have to be vigilant as the next wave apply for the extension until the end of October. As repossessions are also on hold, we could find that come November we have many households that will find themselves facing higher monthly payments than they had been managing before the break. This will be something that lenders will need to manage carefully.” Mike Scott, chief property analyst at Yopa, commented: "The Household Finance Review for the first quarter of this year was published today by UK Finance. Obviously the Covid-19 pandemic and the lockdown only affected the last few days of the quarter, and so these figures largely give us a snapshot of the economy immediately before the onset of the crisis. "First-time buyer mortgage approvals fell slightly in most of the UK (compared with the same period in 2019), but increased in London and the South East, suggesting that the falling house prices in those regions in 2019 had improved affordability for first-time buyers, who were able to get into the market. Much of the decrease in the numbers took place in March, suggesting that the pandemic was largely responsible and may have been beginning to affect housing market activity even before the beginning of the full lockdown on 23 March. "Most notably, there was a 7% year-on-year increase in the number of buy-to-let mortgages, the first significant increase since the tax regime was changed to reduce the attractiveness of buy-to-let investments. With interest rates at historic lows, buy-to-let property may be regaining its appeal as an investment - despite its unfavourable tax treatment. "Virtually all new mortgages for the past three years have been fixed-rate rather than floating-rate deals, with five-year fixes becoming increasingly common, and 70% of all mortgages still outstanding are fixed-rate. This means that any increases in Bank of England interest rates as we begin to recover and move on from the pandemic will have little immediate effect on home-owners' finances. In addition, mortgage arrears had reached historic lows before the beginning of the lockdown. This means it is unlikely that we will see a wave of mortgage defaults and repossessions when the furlough scheme and the current mortgage holidays come to an end, which should help to avoid any serious downturn in house prices."   Via financialreporter.co.uk Read the full article

[thegeekcurmudgeon]

The Other Worlds 2019 preview Day 4

Art by Lauren Kitching

Returning for a sixth exciting year, Other Worlds, one of the premier SciFi Film Festivals in the US, features some of the best and unheralded genre films. Beginning on Thursday December 5 at Austin’s Galaxy Highland 10, the four day event includes over 20 feature films, a slew of shorts, a screenwriting workshop, and the Mary Shelley Award. This year also features the return of Under Worlds, which brings the best of indie to Austin.

Not terribly surprising to anyone who regularly follows my writings, I’ll be there.

Here’s what to expect at Other Worlds 2019.

11:15AM AROUND THE SUN (Texas Premiere)

Oliver Krimpas | UK | 78 min

Writer: Jonathan Kiefer Cast: Cara Theobold, Gethin Anthony

A film location finder is shown around a repossessed, crumbling French château. Over the course of the afternoon, he slowly falls for both the place and the owner’s flirtatious representative, as she recounts the story of a famous book set there. But is their present-day connection for real, or just a projection of the book’s 17th Century characters? As the scene plays over in different variations, the two almost lovers orbit around each other like a binary star system, forever circling but never quite reaching each other.

11:45AM SciFi Shorts 1: Love in the Time of Robots

12PM The Old Dark House (World Premiere OF NEW SCORE)

James Whale | USA | 73 min | 1932

Writer: J.B. Priestley (from the novel by) (as J.B. Priestly), Benn W. Levy (screenplay) Cast: Boris Karloff, Melvyn Douglas, Charles Laughton, Gloria Stuart

A precursor to the genre of renegade young people getting stranded among older (and far more degenerate) adults in a remote location, THE OLD DARK HOUSE is a “pre-code” film and features some language and sexually suggestive material that would be banned from American screens until the 1960s. Boundaries will be crossed, reality will fail, and mayhem will ensue. The family our kids come across, this time, can also be seen as the grandparents of THE ADAMS FAMILY. THE OLD DARK HOUSE, is FRANKENSTEIN director, James Whale’s follow up horror film that also stars the previously unknown Boris Karloff and is a precursor to their final film together, BRIDE OF FRANKENSTEIN. Like many films of the day, it was released with a “library score,” music not specifically composed for the title. Award-winning composer Jay Woelfel has composed a brand new 52-minute music score, the first ever done for the film.

1:45PM Defender of the Universe conversation with Nicholas Meyer followed by a screening of Star Trek VI: The Undiscovered Country

Nicholas Meyer | USA | 110 min | 1991

Writer: Leonard Nimoy and Lawrence Konner & Mark Rosenthal (story), Nicholas Meyer & Denny Martin Flinn (script), Gene Roddenberry (creator) Cast: William Shatner, Leonard Nimoy, DeForest Kelley, Jame Doohan, Walter Koenig, Nichelle Nichols, George Takei

2:15PM The Ascent

Tom Paton | UK | 100 min

Writer: Tom Paton Cast: Rachel Warren, Simon Meacock, Bentley Kalu

Special ops squad “Hell’s Bastards” are sent to infiltrate a civil war to retrieve intel. The unit soon find themselves trapped on a never-ending stairwell forced to climb or die. To survive, they must revisit their past sins if they ever want to get off. 

2:15PM SciFi Shorts 2: Crossing Over to the Future

4:30PM Nicholas Meyer signing The Adventure of The Peculiar Protocols

In Collaboration with Book People and Open to the Public

With the international bestseller The Seven-Per-Cent Solution, Nicholas Meyer brought to light a previously unpublished case of Sherlock Holmes, as recorded by Dr. John H. Watson. Now Meyer returns with a shocking discovery—an unknown case drawn from a recently unearthed Watson journal. After his Defender of the Universe screening on Sunday, Meyer will sign copies of his new book, which we will have on sale courtesy of Book People. Grab your own copy of the book The Wall Street journal calls “A gem … delightful reading for everyone.”

5PM Alien Addiction

Shae Sterling | New Zealand | 96 min

Writer: Shae Sterling, Melanie Price and Ricky Silvester Cast: Jimi Jackson, Thomas Sainsbury, Harry Summerfield, Jojo Waaka, Ayham Ghalayini

Riko lives in a small town in the middle of nowhere (well, Waikato, New Zealand). Life is pretty normal, that is until two aliens crash-land near his house. Fortunately for Riko, the aliens like to get high and chill as much as he does and they develop an intergalactic friendship of epic proportions, as well as a strange relationship to human feces. However, unknown to the happy go-lucky visitors, alientologist Peter Mackintosh is hot on their trail and plans to capture them and reveal them to the world.

5:05PM After We Leave (North American Premiere)

Aleem Hossain | USA | 82 min

Writer: Aleem Hossain Cast: Brian Silverman, Clay Wilcox, Anita Leman Torres, Anslem Richardson

Jack returns to a bleak Los Angeles after abandoning his wife six years ago. There’s only one way to escape this high crime, dystopian world – getting a visa to an off-world colony, but it’s a couples’ visa and Jack needs his wife to use it. Jack dives back into the world of crime that he left behind in search of his wife and a way off the planet. Is Jack back because he wants to make things right or because he needs his wife to use this “lottery ticket” to a better life?

5:10PM Long Shorts: Lingering Visions

7:40PM A Good Woman Is Hard To Find (Texas Premiere)

Abner Pastoll | UK/Belgium/Ireland | 113 min

Writer: Ronan Blaney Cast: Sarah Bolger, Edward Hogg, Andrew Simpson

Recently widowed mother of two, Sarah, is desperate to know who murdered her husband in front of her young son, rendering him mute. Coerced into helping a low-life drug dealer stash narcotics stolen from the local Mr. Big, she’s forced into taking drastic action to protect her children, evolving from downtrodden submissive to take-charge vigilante.

7:40PM The Final Land

Marcel Barion | Germany | 113 min

Writer: Marcel Barion Cast: Milan Pešl, Torben Föllmer

A runaway convict and his pursuer escape a prison planet in an old spaceship in search of a new home. As they search for a place to go, their separate paths to this moment become a point ofconflict, as well as the strange history of this derelict ship that they now drive. Then a strange signal gives them hope of a new future. In the grand tradition of 2001 and SOLARIS, THE FINAL LAND plays off the mystery of vastness of space and our still miniscule understanding of our place inside it.

7:45PM The Honeymoon Phase (Texas Premiere)

Phillip G. Carroll Jr. | USA | 88 min

Writer: Phillip G. Carroll Jr Cast: Chloe Carroll, Jim Schubin, François Chau, Tara Westwood

Struggling young couple Tom and Eve lie about being married so they can enter “The Millennium Project.” Paying $50,000, this 30-day scientific study analyzes couples’ relationships while they reside in futuristic smart homes secluded in the woods. Run by a mysterious researcher and his associate, the experiment finds Eve descending into violent madness, questioning her lover’s trust and whether he is the man she thinks he is.

THE HONEYMOON PHASE caps off the 2019 Other Worlds Program with a love story covered in tension and drama. On top of the thrilling relationship ride, the film will leave the audience with plenty to contemplate and discuss until Other Worlds 2020 begins.

The Honeymoon Phase Movie Original Pitch Video

The Other Worlds 2019 preview Day 4 was originally published on The Geek Curmudgeon

#a good woman is hard to find #after we leave #alien addiction #around the sun #boris karloff #james whale #nicholas meyer #other worlds #star trek iv the undiscovered country #the adventure of the peculiar protocols #the ascent #the final land #the honeymoon phase #the old dark house

[ukimmigrationmatters]

UK property prices reach new highs, but London dropping as buyers move outwards

UK house prices went up again in October, at the fastest rate for five years, as buyers scrambled to beat next year's stamp duty deadline, the Nationwide Building Society reports.

Annual house price growth rose to 5.8% and the average price is now £227,826.

A similar survey by the Halifax show an even higher annual growth rate of 7.3%

For the next five months, buyers of properties valued at up to £500,000 in England and Northern Ireland will not have to pay stamp duty on the purchase. Second home buyers and buy-to-let investors will still have to stump up the 3% tax grab surcharge.

How long will the boom last?

Booms are usually followed by bust, something which has not escaped the attention of the Bank of England. Official figures released by the central bank this week revealed that home-buyer mortgage approval climbed to a 13-year high in September.

There are fears that the market is heading for a cliff-edge with potential buyers possibly pulling out of transactions in 2021 if they cannot meet the stamp duty deadline.

The BBC reports that NAEA Propertymark has called for action to avoid the cliff-edge by extending the deadline.

As the current furlough scheme comes to a close unemployment figures could rise rapidly leading to lower buyer demand and rising repossessions.

A second wave of Covid 19 is sweeping the country forcing regional lockdowns and restriction, which could stall economic recovery.

Meanwhile, Rightmove reports that asking prices in London’s zone 1 are falling while prices are rising in the suburbs, as buyer seek safer havens and more buck for their bang.

 Source: Rightmove.com

More articles and money news available at Money Tips Podcast - www.moneytipsdaily.com

·        New Job Support Scheme

·        Welsh Government lockdown

·        UK state pension age rises to 66

·        Emergency help for energy bills - Ofgem

·        How a crash will affect your pension plan

·        House prices rise will reach all time high

·        How to avoid bankruptcy in business

·        Is this the end of office work as we know it?

·        Why live in expensive town centres anymore?

·        Thousands trapped in unsellable leasehold flats

·        Government extends ban on landlords evicting tenants

·        Self-employed, have you claimed your government grant?

·        Why UK Property prices rising after stamp duty cut, despite the downturn?

·        New planning rules will open up more opportunities to make money in property

·        You can create a second income during the lockdown…and come out stronger

·        Learn how to make money from property without deposits, mortgages or cash

Millions of people face a bleak future post-Coronavirus lockdown, as businesses disappear and the job furlough scheme eventually comes to an end. However, life doesn’t have to end because of lockdown! You can join thousands of ordinary people who have increased their income and added streams of new income during this period.

Are you ready to adapt to the new economic model?

As lockdown restrictions around the world are being eased, the economic model has subtly changed forever. How will you adapt to this new way of working and running a business, what obstacles and opportunities lies ahead? Will you be a participant or spectator in this revolution?

By Charles Kelly, Wealth Mentor, Property Investor, Author of Yes, Money Can Buy You Happiness and creator of Money Tips Podcast.

There are more examples and practical steps to getting rich and being happy in my book, Yes, money can buy happiness, I cover the 3 R’s of Money Management, the Money B.E.L.I.E.F System and much more. Check it out on Amazon http://bit.ly/2MoneyBook.

If you’d like further information on wealth mentoring and coaching, how to survive the crisis and even quit the rat race, email me at [email protected] or send me a message through Facebook or my Money Tips Daily community. See more articles at www.moneytipsdaily.com

Heal your money wounds the Japanese way with Ken Honda Japan’s #1 bestselling personal development guru. Ken will take you on a journey where he will teach you the Japanese art of healing your money wounds and making peace with your money. Too often, money is a source of fear, stress, and anger, often breaking apart relationships and even ruining lives. We like to think money is the centre of our lives and everything depends on our financial status, but Ken challenges our beliefs to install more liberating perceptions of money and delivers concrete tools that have the power to change your life. Click to join his free masterclass – Click: https://bit.ly/2GqyYki

#property

[themortgagebureau]

First-Time Buyer

Photographer: Florian Berger | Source: Unsplash

The First-Time Buyer still faces sizeable issues, such as raising a deposit and meeting the strict borrowing criteria. However, much is being done by the government (and possibly family and friends) to help them on the way.

There’s a lot of assistance out there for First-Time Buyers. This is in addition to the government’s desire and support to get more homes built across the UK.

Also, let’s not forget that for some, there’s support from the Bank of Mum & Dad (plus Grandparents and friends). According to Legal & General, this would equate to the Bank of Mum & Dad being a £5.7bn a year mortgage lender! Over a quarter of all buyers (27%) are estimated to have received help from friends or family in 2018, purchasing almost 317,000 homes! It’s not just restricted to first-timer buyers. (Source: Legal & General, Bank of Mum & Dad report 2018)

Where we can help the First-time Buyer

Photographer: Nik MacMillan | Source: Unsplash

Whether you’re fortunate enough to receive support, or are on your own, it’s vital that you take professional advice. Especially if you are a first-time buyer.

We would help navigate you through the affordability, evidencing of income and credit rating hoops. In the process we would hopefully identify some of the decent deals that are still on offer.

Want a further reason for a first-time buyer to tread this path? Across the UK, the cost of a mortgage on a comparable home is cheaper than renting in the same region. (Source: Santander UK, June 2018)

Credit Rating

Photographer: Ryan Born | Source: Unsplash

The role of a credit score is to try to predict your future behaviour. This means that people who have a poor score may suffer. We can talk through the steps you could take to improve your rating, and to make yourself more appealing to the lenders.

Surprisingly though, rental payment history (particularly for those not in social housing) isn’t necessarily reflected in people’s credit reports. However, there now seems to be greater enthusiasm from the credit agencies to include this information. This is likely to benefit some first-time buyers, as their credit score may improve as a result.

Stamp Duty

Photographer: Kelly Sikkema | Source: Unsplash

This tax can amount to a hefty sum, so in England and Northern Ireland, there’s tax relief for first-time buyers up to a purchase value of £500,000. This now also includes those in shared ownership. This means that no stamp duty tax would be paid up to £300,000. 5% would be payable on any applicable portion between £300,001 – £500,000. A similar scheme operates in Scotland.

Please talk to us to see if we can help you (or a family member) step onto the property-owning ladder.

HM Revenue & Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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The post First-Time Buyer appeared first on The Mortgage Bureau.

#Mortgages #Mortgage Broker #Mortgage Adviser #Independent Financial Advice

[mcmansionhell]

McMansion Hell Around the World: Where and Why Do We Build McMansions

Hello Friends!

My apologies for the late post - my faithful laptop of 5 years died on Saturday, and I have been in IT Hell (someone make that a blog pls) getting my files off of my hard drive, in the meantime learning a valuable lesson about keeping things in the cloud. Anyway, I hope you like words, because that’s what this article mostly is. 

I receive emails all the time about McMansions built in countries outside the USA. I’m here this week to briefly examine where and why McMansions are commonly constructed (and why the US has the vast majority of the world’s gross houses.) For the next five Sunday posts, I will be doing a special on the houses of each of these countries:

Canada

Australia

Isolated, yet entertaining cases to be covered in the coming weeks:

Ireland (specifically during the housing bubble, less-so now)

China 

Eastern European ex-Soviet countries

Now, as those of you who are also obsessed with @uglybelgianhouses​ may know, ugly houses transcend geography. However, not all ugly houses are McMansions. I taxonomize McMansions to be houses built after 1980, having 3,000+ square feet, constructed with low-quality materials/craftsmanship, and use a mishmash of architectural symbols to invoke connotations of wealth or taste, executed via poorly thought-out exterior and interior design.

Why, then, do certain countries build McMansions, and others do not? 

Available Land

In order to build large houses in low-density neighborhoods, you have to have space into which you can sprawl. That being said - having lots of land does not directly correlate with having more large houses, however it is one of many factors favoring the formation of low-density, often greenfield (unoccupied lands used for agriculture, landscape design, or left alone indefinitely) developments where large houses are commonly found. 

If we look at average house sizes around the world, the US, Australia, and Canada continue to have the largest homes. 

Chart Source

However Russia, the largest country in the world by square-footage, has some of the smallest house sizes. This is due to a number of factors including the amount of habitable vs inhabitable land, a predilection towards living in dense cities, and the relatively small amount of new housing stock built each year. 

Private Transportation Infrastructure (CARS!)

The countries with the largest houses are highly linked to car use and infrastructure for private transportation. Enjoy some data:

Sources: Columns 1 & 2 • Column 3 • Column 4 Columns 5 & 6: National Geographic Greendex***  • Column 7

*** Walking or biking frequency, for 2012. Represents percent of population that walk or ride their bike to their destination either "all of the time" or "often." Public transit usage, for 2012. Represents percentage who responded that they use public transit "at least once a week" or "every day or most days," for 2012. (Other options in survey included "at least once a month," "a few times per year," "once a year or less," or "never.")

As we can see from this graph, the US, Australia, and Canada are more dependent on the car than most other highly developed nations. The amount of existing road infrastructure, gasoline consumption, etc. are a result of car commuting, a byproduct of urban expansion aka sprawl. Because this infrastructure is both convenient and already in place, until we run out of space or come to our senses, we are going to continue sprawling. 

Restrictive/Inflexible Zoning Laws

Countries like the US (less so: Canada, Australia, and the UK) have more restrictive zoning laws than places like France, which allow for more flexible development. Zoning is the segregation of land into sections to be used for certain types of uses, such as residential, industrial or commercial. 

Example of a zoning map (Santa Clara County, CA) via Richard Masoner (CC-BY-SA 2.0) (Blue is industrial, green is green space, red is commercial, orange = ?)

Low-Density Residential zoning was incentivized during the 20th century, leading to the rapid suburbanization of the US and Canada. Existent zoning is often a barrier to multifamily housing units which are often less expensive than detached single family homes. 

The US, for example, has the most convoluted zoning laws in (probably) the world. Zoning laws and housing regulations can include:

Minimum lot size

Minimum home square-footage

Minimum square-footage per room

Minimum square-footage per person

For more information on different building code and zoning regulations, check out this report from Planning.org

Zoning and building codes in the US have tended to benefit larger properties rather than smaller properties, greenfield and tear-down development rather than infill development (development using existing building stock or empty space within existing infrastructure) which is partially why US homes continue to spiral upward in size despite the effects of the Great Recession.

Mortgage Speculation, Products, and Incentivization

Many people ask why the US in particular has more McMansions than other countries. Part of the reason is because the US offers many more government incentives to buy a home. 

Chart Source

The US also issued much riskier mortgage products than other parts of the developed world. In an article from immediately after the Recession, economist Nouriel Rumbini put it thus: (emphasis mine)

For the last few decades over-investment in housing – the most unproductive form of accumulation of capital – has been heavily subsidized in 100 different ways in the U.S. government: tax benefits, tax-deductibility of interest on mortgages, use of the FHA, massive role of Fannie and Freddie, role of the Federal Home Loan Bank system, and a host of other legislative and regulatory measures.

The result was that the U.S. invested too much – especially in the last eight years – in building its stock of wasteful larger and larger homes and housing capital and of larger and larger private motor vehicles (whose effect on the productivity of labor is zero) and has not invested enough in the accumulation of productive physical capital (equipment, machinery, etc.) that leads to an increase in the productivity of labor and increases long run economic growth. This financial crisis is a crisis of accumulation of too much debt – by the household sector, the government and the country – to finance the accumulation of the most useless and unproductive form of capital, housing and large private trucks (calling them cars is a misnomer) that provide only housing services to consumers and have no effect whatsoever on the productivity of labor.

According to a 2009 study by the Research Institute for Housing America, there are several differences between the US and Australia, the country with the second largest houses in the world: 

In Australia, lending standards were not eased to the same extent as elsewhere. For example, the riskier types of mortgages, such as non-conforming and negative amortization loans, that became common in the United States, were not features of Australian banks’ lending. In addition, Australian mortgages are “full recourse” following a court repossession action, and households generally understand that they cannot just hand the keys to the lender to extinguish the debt. The legal environment in Australia places a stronger obligation on lenders to make responsible lending decisions than is the case in the United States.

Now, riskier mortgages do not necessarily mean that more people will build oversized houses, however riskier mortgages make larger houses easier to buy. This is the number one reason why US houses are so much bigger than other countries - because they are more attainable.

Cultural Traits

It’s not just economics that play into why people in certain countries buy larger homes - it’s culture. The US in particular (Canada and Australia perhaps by proxy) has put a huge emphasis on the large house as a symbol of success and wealth. 

Image Source

Suburban living is the cultural picture of the American dream. It wasn’t always, but the development of media such as television coincided with suburbanization and spread its bucolic image far and wide. Later in the 20th century, the obsession of celebrity culture and fine living further solidified the ideal of the large house in the mind’s eye of Americans. In addition, outside the cities, the rental market is drastically small, so homeownership is the norm. 

In European countries (for example Italy) and Asian countries (for example Japan), multiple generations commonly live together in one house. Crowded space is associated with family rather than poverty. In America, every person has their own room, because that is our cultural definition of comfort, and until that definition is modified, the US will continue to build larger homes.

Well, that does it for this primer on why we build McMansions. Again, I apologize for the delay! Stay tuned for Thursday’s Arizona McMansion, and Sunday’s in-depth look at the McMansions of Canada. 

If you like this post, and want to see more like it (plus get sweet access to behind the scenes stuff), consider supporting me on Patreon! Not into recurring donations? Check out the McMansion Hell Store - 30% goes to charity.

#architecture #housing #sociology #mcmansions #mcmansion hell #mcmansionhell #design #urbanism #urban planning #houses #homes #zoning

[irishinsolvency]

Understanding the repercussions of insolvency on credit scores is crucial for individuals and businesses alike. In Ireland, where insolvency solutions play a significant role, navigating the aftermath requires insight into how credit scores are affected. In this blog, we'll delve into the key aspects and provide insights for those seeking insolvency solutions in Ireland.

#debt settlement solutions in ireland #house repossession in ireland #personal debt solutions in ireland #marketing #accounting #insolvency solutions

[smorgasbordinvitation]

Smorgasbord Coffee Time Haiku - Wexford, Ireland - Abandoned House by Sally Cronin

Smorgasbord Coffee Time Haiku – Wexford, Ireland – Abandoned House by Sally Cronin

This photograph was the first that we took of our new home in Wexford in 2016. Repossessed and abandoned with furniture inside and out, and half the garden growing over the roof at the back of the hous; it looked very sad but we saw the beauty and bought on the spot.

In fact it was pure serendipity that I found it in the first place. We had sold our house in Madrid and I began looking for a home…

View On WordPress

#Haiku #Wexford