Life insurance?

Hmm, my opinion would be no.

I’m of the opinion that everybody should be able to have the opportunity to own their own home.

CGT for single property ownership would act a a barrier to getting on the property ladder. Keeping it for owning multiple properties is a way to restrict purchasing multiple properties that you are not living in. Eg: second homes, letting holiday rentals.

The two biggest barriers to housing in my head are the initial proce and lack of available stock.

The biggest driver of property prices for me is the interest rate. Banks seem to like keeping interest payments at about the same levels. So when rates go down, prices go up to compensate. No government would push the rates back into double digits as that would cause a crash bringing property prices down but crippling existing repayments and making them deeply unpopular for the next election.

More available housing would help but as you’ve pointed out every man and their dog is investing in housing as its got the best returns. This drives up demand which pudhes up prices. It doesnt help that house building has not kept up with population growth, which also drives demand.

Of course not everyone can afford to buy, and thats where rentals come in. Used to be social housing, but that got sold off in a quick cash grab. So very limited council housing is left.

Nothee driver o housing stock is the rise of air bnb and the like. Plenty of housing that you could previously rent, now sits idle waiting for short term leases at High return prices.

My preference would be to limit short term rental stocks as a percentage of local housing, scale CGT for multiple properties, councils to have the balls to start building new coucil houses and government to start creeping up the interest rates to lower prices

Whatever you go for make sure it blocks rfid to avoid having your cards skimmed

Don’t know what you are into, or playing on but I’ve been enjoying endless sky recenty:

https://endless-sky.github.io/

Based on my friends its probably about 50/50. Based on work colleagues, only one runner.

So probably not.

If you said you’d not include the name, you might want to edit this image…

Not sure where they are going to find cheese curds in the UK.

Goldcrest

Get your tesco club card out, they were 4 quid a tub when I was in there this week.

(Went for the QS for the extre 50g)

Ned is a Scottish term for non educated delinquent

Pubs can be a daunting place to visit for the first time but there is plenty you can do to fit in.

You may have heard of barman or barmaid but whoever is working the bar must be referred to as peasant at all times. This avoids any gender counfusion. Also to make it easier for everyone to get on. Everyone drinking in the pub is referred to as knobhead instead of their real name. The is invaluable as learning names cuts into drinking time. If you need to refer to yourself, is common practice to call yourself the chosen one.

When ordering drinks, start with "oi peasant make me a… ". the peasant finds it easier if you talk slowly and order each drink separately. Wait untill its in front if you before asking for the next one. Guinness must always be ordered last.

Smoking is banned in public places in Britain but its common knowledge that when the weather is bad you can smoke indoors. So if you can see clouds in the sky feel free to light up in the pub. Don’t be selfish though, remember to blow smoke into the faces to passing knobheads to show you are happy to share.

The best way to make friends is to talk about football. Everyone loves Nottingham United so make sure to tell everyone you support them. Every knobhead is interested in how well teams are doing in the area but they never seem to have time to find out what’s happening ouside of the local team. So if you are in Millwall dont forget to tell everyone how well west ham are doing. The same is true for birmingham/Aston villa, portsmouth/southampton, celtic/rangers.

Its a little known fact that a roofers wife did so much for the Welsh coal mining communities that she is revered to this day. So if you find yourself in Wales get the pubs attention and raise a toast to margret thatcher.

If you see a surly looking knobhead why not cheer them up by ordering a shot of blackcurrant cordial and dropping it in their Guinness. Don’t forget to wink at them and say “drink up knobhead, the chosen one is here for you”

The class rating is more about data rates though to achieve higher speeds you tend to need to manufacture to a higher tolerance.

I tend to install a lot of these for media playback so a higher data rate to me is preferred.

In my experince ive only known 4-5 cards to die in the last 5 years.

Although sd cards have limits for write cycles in data sectors and theoretically have unlimited reads. When cards have failed for me in the past they are undergoing high read rates to the same sector.

Class 10 SanDisk has always been good to me.

There are a lot of fakes out there so trust your supplier

Devil’s playground, rezort and outpost spring to mind

I felt it all started with the “I’m feeling lucky” button

You nailed it (:

It’s like a snuffling noise rustling through leaves.

When they are after a mate lots of loud grunting from the males.

Oxford University is older than the Aztec empire.

Oxford University founded in 1326, Aztec empire ~1428-1521

For me the North is where you play tig, the South is where you play tag