Eva – Im amazed its taken you till 60 to realise, that all we accrue is just junk that others will rummage through and dispose, even if you had children, mementoes may not mean much to anyone but their original owner, sadly you cannot live on vicariously though material objects handed to others, when we die we are gone and so is the meaning we perceived in our posessions, I’m sure you wil prefer the soothing words spent into your ear by a feminine columnist who is making a living from your letter, and how many people have elucidated in their comments there ignorance to this idea also ? but I like you am dieing out without a genetic continuation on the horizon also, but this is the truth. If I were you I would sell as much as possible and destroy that which remains, which you cant part bare to part with … there is integrity to this … you entered with nothing it is best to leave with nothing … it is tidier.

dont be a dating snob

Womens desires

If your clock is still ticking find someone who will do, and dont look for another apalling snob like you, who tries to pay for access to people of a certain class, its backfired by people trying to take money from people of a certain class and deliver little. Terry’s and your genetic’s might have created fine children ? what will make your children high flyers which is surely the important question for you ? is how much you can put into them, time wise and not just monetarily, two high flyers do not necessarily more high flyers make ? as neither of you will have the time to raise children ? did you think of this, or maybe you just after being pampered by a sugar daddy ? to make up for the joining fee ? you are proof that woman often conceive a set practical and often material desires as romance … evolve.

the guy was warned … tased and then shot six times, have the american police not heard of wounding someone ? set the dog on you had on him ? hit him with a baton ? shoot him in the thigh ? at least, get him down and cuff the guy and get him off to hospital to recover until his psychological derangement has shifted to more normal pattern when in prison. I suppose this is the true measure 300 million people, whats the loss of one public threatening spade wielding nut ? he was once somebodys son.

it should not be sufficient to afford you :

Fags
booze
sky tv
broadband or mobile phones or any telecommunication costs.
large screen tellys , gadgets up the wazoo etc
holidays
school trips
Birthday and Christmas presents

It should not be indefinately available, you should be able to claim it for a limited period only, child tax credits are bullshit as well we should not be giving people money for having children they cant pay for.

people with incomes above the average wage, should not get topup benefits of any kind. ie no child tax credits for people with a combined family income above £26,000 a year. were are currently in a scenario in which people who are making £40,000 as a family are still able to claim some form of benefits this must end.

personally i’d limits benefits to a family of four to a maximum of around £18,000 per annum, its perfectly feasable to survive on this money.

and people who use the “theirs no jobs” bullshit can retrain or start their own business dont rely on someone to provide you with a job, this is not the days of “tut mill” ?

many sample random rocks could if a selective angle was chosen then photo symetricised produce an image of face whether animal alien or human, this video is a demonstration of how the human perception system works and not fossils.

because :

1 housing benefit is a direct transfer of wealth by taxation from people who may not be able to afford a home but pay taxes, to people who use property as a capital growth investment or income stream rather than working, and can’t actually afford to directly pay the mortgages themselves from their own finances, without the taxpayer or other non home owning private renter paying the mortgage of this speculative investment for them. And better than private tenants, council tenant’s means the council will pay for the upkeep of your property for you ? win win ?

2 enclosing more of the available property up into the buy to let market, into fewer wealthy people’s hands pushes the price of property further away from those wishing to get on the ladder, so not only are those who pay taxes but can’t afford a home subsidising those wealthy who own many homes which they rent as an investment, they are also inadvertently by that aid helping to increase the value of those homes the landlords let to the council at the taxpayers expense making them wealthier still and able to afford more buy to let mortgages, as the inevitable increases due to limited supply and extreme demand occur, like a ratchet buy to let landlords have been better positioned to swallow up a higher proportion of the available homes in the country away from those not yet on the property ladder but paying taxes.

3 Being that the council pays housing benefit on the basis of property values in a given area, and they have a european based obligation to house people in the areas they claim, with little regard to the expense in the area or the cost to the taxpayer this system has also increased council tax most in the areas where more people claim benefits making private poorer owners heavier burdened than areas in which a higher proportion of house ownership exist, usually wealthier areas and wealthier people who also proportionally have an ability to afford more council tax, the council has enabled landlords to charge near the maximum potential, because they already know the cap up to which, the council is prepared to pay, thereby defeating the idea of the free market, creating further heat in the buy to let market as the maximum rewards are known in advance of a buy to let property purchase for speculative gain, and the length of council house waiting lists are so large and demand so high, and it is also known that a tenant who can find a private landlord below the cap willing to rent to them can effectively force the council to enable them to live in that property at the maximum of the cap ? effectively a rent guarantee which prevents the rental price from floating in a free market.

4 The selling of council houses at discount by Thatcher, generous and well-intentioned though it was, created an unforseen increase in the quantity of people perceiving renting and being a landlord and renting property, as the ultimate way to attain money in life, secondarily debilitating and diminishing the belief in reward through working at a job, because through property the rewards were much greater, and the increased diminishment of council owned housing stock has exacerbated this situation even further.

All these things served to create an upward ratchet like increase in property values over the last 30 years.

This process artificially diminishes the supply of available quality homes for poor and first time buyers to live in as homes, as speculative rental investment landlords who have more monetary resource and potential and ready access to the mortgage system to buy said available homes at a higher price, than the first time buyer can afford ? this serves to leverage the market further out of reach of those who do not own homes. In this country you could have not have created a more perfect storm heated version of a real life monopoly games than this through the confluence of the following circumstances ?

1: a guaranteed rental market created by a never-ending social housing list
2: a european directed council obligation to house people relatively regardless of cost, even without citizenship if claiming asylum, no matter what … in whichever area they wish to live.
3: a council backed rental potential that can be used to sell buy to let mortgages, which is a known value based on and relative to yet even better also tracking in sync with property values in a given area.
4: banks who had nothing to gain from increasing requirements on borrowers, due to that limiting their potential lend and charge interest, hence 100% mortgages occurring, greedily perceiving the property market as having more growth potential than standard stocks and shares.
5: The bank of england … bouyed by the banks growth inadvertently creating a further economic bubble by creating a lending boom by holding bank of england base rates at artificially and unrealistically low levels 0.5% etc because of the perceived economic property based boom they themselves were helping to create.
6: Hiding the true inflationary cost of existence by not including the most expensive item in the basket … “a roof over your head” ? yet at the same time positively encouraging the culture of home ownership.
7: This hidden inflation devaluing savings and investment of most kinds, leaving property as the only perceivably worth while investment to be made ?
8: Rental income perceived as a cleaner faster way to make money, than create genuine economically tangible valuable stable industrial activity through entrepreneurialism with potential for export.
9: The property boom fuelled an influx of border migrating wealthy Europeans to get in on the perceivably guaranteed growth potential of the british property market increasing heat further.
10:Open borders economic migrational policy and expansion in foreign student based higher education due to academical institutional monetary greed, also created further heat in the rental market, further hardening the buy to let market
11:The value of the council maintaining private landlords property’s for them who rented to council tenants, further hardened the value proposition for buy to let landlords

No correction in house prices will occur, until :

(A) Inflation has been adjusted to take account of the ignored mega growth of value hidden in property values, that the house owning has secreted away from financial scrutiny and stolen from the rest of the functional economy.

(B) Interest rates will due to this inflational correction (A) , need to be set at realistic levels in line with where banks are currently placing their interest rate levels to consumers (up to 30% on credit cards) whilst ? simultaneously receiving free credit from the bank of england at 0.5%!), so as to steal back value from the saver being offered 0.5% interest on savings, to cover their own profligate asses from the loss they created by running so fiscally and devastatingly and imprudently for so long whilst driving various institutions into the ground and thirdly over this entire period shovelling money out of the backdoor into their own private wealth buckets through bonuses culture, whilst lying about their own effective performance during this bubble creation.

(C) all property ratchet drivers 1-11 will need to be examined to detach their influence on the market so that true value can be assessed ( unlikely to occur to much vested interest )

(D) best multiple strike solution on this problem :
• financial penalties on multiple property ownership for those who have not paid off a certain proportion of their mortgages
• no solid council rent maximums the rent cap 25% below market value
• no free maintenance of private rental property by the council
• no guarantee to be housed in a specific area
• capped maximum benefits per annum at least 25% below average annual wage at maximum
• rigorous and proper checks on the ability of potential borrowers to pay off a mortgage
• no interest only mortgages
• no buy to let mortgages for people who do not have the income to pay for them
• ban 100% mortgages have minimum deposit values
• cap all immigration
• limit asylum seekers access to free housing
• increasing financial penalty for multiple home ownership per extra unrented home, non linearly increasing in cost beyond two homes.
• make bank of england base interest, inter bank lending rate track offset below overage bank consumer credit interest rates, thereby limiting profiteering of savers backs. reduce this disparity

This has also created a system where the aged home owning disenfranchise the young none home owning, and those people whose parents own homes and who will act as the bank of mum and dad, have much greater chance of entering the property market thereby creating and further entrenching system of limited mobility property wise, which disenfranchises and further divides our culture so that a few already wealthy, and not necessarily a very productive set, may flourish further with less actual entrepreneurial labour within out culture and pass the benefits of the stability of a family home down to their children.

My comment to a blog post on the subject :

To put the other side and a different view if you post it :

Tough ? surely not as tough perhaps as having to pay for your own existence, and existing within the means you can generate, and not relying on other taxpayers, some of whom maybe be worse off than you or waiting to afford the cost of family or the space they would like to be able to operate out of ? the peers wouldn’t cap benefits at £26,000 a year which to put it in context … is more than the average wage ? If HB is a temporary measure … I can see a reason in housing benefit, but its all to easy to find people who perceive it as a right or a god given entitlement in perpetuity, and that’s where dependency and other dangers such as counting such benefits as the extra “that doesn’t everyone take” ? on top of other undeclared incomes, I’ve seen some people who take the mickey and flaunt how they operate the systems available, to their own benefit with impunity, it’s not everyone but its enough to cause anger in those who through force of will, stay off benefits at the expense of their own well-being and comfort. The people on housing benefits aren’t more reliable … the councils spending other taxpayers money are more reliable.
And recently especially in the last 10 years… speculative buy to let landlords, who have multiples homes for rent, “use” the housing benefit class as a fast and easy way to get their mortgages paid for free, when no private renter could be found at the extortionate rent level they’re after and the poor quality of accommodation they’re offering. In a way the poor taxpayer is paying the mortgage of wealthy speculative buy to let landlords multiple property’s in london. In london few landlords even in Chelsea have any qualms about taking housing benefit or can afford to, because it guarantees they can pay for a mortgage on a property they shouldn’t even own, because the landlord does not have the income to pay the mortgage without free money from the taxpayer via the council. It’s a direct movement of money from poor taxpayers into the hands of wealthy landlords who don’t have the earnings from their own activity’s to pay their own mortgages. Its basic monopoly in action creating a sick society, with the wealthy landlord and the claiming poor between them colluding to screw over taxpayers who can’t even afford a home to live in, why do we have so many single mums in britain ? answer because its one of the few ways poor women can afford to live in a home, if house prices weren’t so inflated there would be less broken family’s in this country, and all this just to make some people who are already rich even richer

I know an entire mansion house style block in chiswick london that was full or private paying tenants, and slowly but surely the company that owned the block placed more and more asylum seekers in the block and eventually asked all the private paying tenants to leave, so they could rent the whole block to the council, because the council was paying more, suffice to say this didn’t make the people I knew in the block too happy, But I’m guessing the faceless corporate entity that owned the block was happy to see the asylum seekers in their as they could degrade the property all the quicker, meaning the potential to be granted permission to knock the building down and replace it with something taller with smaller flats and more units would be possible.

Why age and plastic surgery make a bad mix

perhaps why growing old gracefully is a good idea ? plastic surgery does not go well on the face after 50 ?

what an actual mask her made-up / fake face is, a few smears of a tissue reveal the reality which probably looks worse than if she had just left her face alone, at least it would have some natural if aged integrity ?

371,000 x £26,000 per annum = 9.646 billion pounds ? per annum

These figures in now way account for the children born here from these immigrants claiming off the benefit system ?