Jambo-Jimbo Posted August 25, 2022 Share Posted August 25, 2022 44 minutes ago, inspector said: Probably self certification You need to get an accredited assessor (which will cost you obviously). https://www.gov.uk/buy-sell-your-home/energy-performance-certificates Quote Link to comment Share on other sites More sharing options...
Ulysses Posted August 26, 2022 Share Posted August 26, 2022 There's an interesting thread on Twitter posted yesterday by Richard Murphy - he of the University of Sheffield and associated, directly or indirectly, with concepts like "Corbynomics" and the "Green New Deal". I appreciate he may not be (or may not seem to be) entirely objective, but he makes a compelling case as to why the Bank of England might be about to make the cost of living a hell of a lot more unbearable, and might be about to tip the British economy into a severe recession. He also points out that if they do, it's free money on the double for the banks - up to a billion a week from the poor unfortunate mortgage holders, and about £750 million a week from the taxpayer. He goes on to note that this £750 million a week is money that could be used by the Government to alleviate cost of living pressures, or provide public services, or even just give away in tax cuts, but it will do none of those things. Instead, it will increase the profits of the banks. Have a read if you like. Quote Link to comment Share on other sites More sharing options...
Pans Jambo Posted August 26, 2022 Share Posted August 26, 2022 12 hours ago, Ulysses said: There's an interesting thread on Twitter posted yesterday by Richard Murphy - he of the University of Sheffield and associated, directly or indirectly, with concepts like "Corbynomics" and the "Green New Deal". I appreciate he may not be (or may not seem to be) entirely objective, but he makes a compelling case as to why the Bank of England might be about to make the cost of living a hell of a lot more unbearable, and might be about to tip the British economy into a severe recession. He also points out that if they do, it's free money on the double for the banks - up to a billion a week from the poor unfortunate mortgage holders, and about £750 million a week from the taxpayer. He goes on to note that this £750 million a week is money that could be used by the Government to alleviate cost of living pressures, or provide public services, or even just give away in tax cuts, but it will do none of those things. Instead, it will increase the profits of the banks. Have a read if you like. Where will this end? General strike, civil disobedience, riots, breakdown of society, war? Quote Link to comment Share on other sites More sharing options...
WorldChampions1902 Posted August 26, 2022 Share Posted August 26, 2022 52 minutes ago, Pans Jambo said: Where will this end? General strike, civil disobedience, riots, breakdown of society, war? Unlike the French, there will be no dissent. Instead, mid-Englandshire will doff its cap and thank the Tory Toffs for all they have done for them these past 12 years. Quote Link to comment Share on other sites More sharing options...
That thing you do Posted August 26, 2022 Share Posted August 26, 2022 2 hours ago, Pans Jambo said: Where will this end? General strike, civil disobedience, riots, breakdown of society, war? Maybe not war but Id be surprised if we didnt see the rest of them. Quote Link to comment Share on other sites More sharing options...
That thing you do Posted August 26, 2022 Share Posted August 26, 2022 14 hours ago, Ulysses said: There's an interesting thread on Twitter posted yesterday by Richard Murphy - he of the University of Sheffield and associated, directly or indirectly, with concepts like "Corbynomics" and the "Green New Deal". I appreciate he may not be (or may not seem to be) entirely objective, but he makes a compelling case as to why the Bank of England might be about to make the cost of living a hell of a lot more unbearable, and might be about to tip the British economy into a severe recession. He also points out that if they do, it's free money on the double for the banks - up to a billion a week from the poor unfortunate mortgage holders, and about £750 million a week from the taxpayer. He goes on to note that this £750 million a week is money that could be used by the Government to alleviate cost of living pressures, or provide public services, or even just give away in tax cuts, but it will do none of those things. Instead, it will increase the profits of the banks. Have a read if you like. Thats a pretty sobering thread. Essentially, if interest rates and energy prices go where both are likely to go then mortgage defaults will go through the roof. Theres going to be a significant number of people, as in US, living in cars etc unless something different is done. Sad thing is, I doubt it will and hes probably right. Quote Link to comment Share on other sites More sharing options...
ri Alban Posted August 26, 2022 Share Posted August 26, 2022 How come we always find money for Banks, Big Business and Maps expenses, yet feck all for the wee people. COVID was necessary, or no ***** would have sat in the Hoose. Allowing these energy companies to write their own profits is a bloody scandal. Quote Link to comment Share on other sites More sharing options...
Ulysses Posted August 27, 2022 Share Posted August 27, 2022 10 hours ago, Pans Jambo said: Where will this end? General strike, civil disobedience, riots, breakdown of society, war? 7 hours ago, That thing you do said: Thats a pretty sobering thread. Essentially, if interest rates and energy prices go where both are likely to go then mortgage defaults will go through the roof. Theres going to be a significant number of people, as in US, living in cars etc unless something different is done. Sad thing is, I doubt it will and hes probably right. 7 hours ago, ri Alban said: How come we always find money for Banks, Big Business and Maps expenses, yet feck all for the wee people. COVID was necessary, or no ***** would have sat in the Hoose. Allowing these energy companies to write their own profits is a bloody scandal. We'll just have to wait and see. The scenario set out by Murphy may be at the extreme end of the probability scale and may not happen, of course - but if the BoE behaves in the classic way central banks are supposed to when faced with double-digit inflation, it could lead to an austerity squeeze on the same scale as post-2008 Quote Link to comment Share on other sites More sharing options...
That thing you do Posted August 27, 2022 Share Posted August 27, 2022 Feel dirty reading the mail but https://www.dailymail.co.uk/news/article-11150389/The-worst-come-Britons-told-expect-double-digit-inflation-winter.html Double digit inflation into next winter as well. Households on 45k or less likely to struggle. 55k single incomes also could. Just think how many earn less? 20 million plus. Zahawi meanwhile suggesting energy rationing to reduce costs. So...1 hour a day of heat? Wear 72 layers? Just wtf kind of answer is ration it??!! Quote Link to comment Share on other sites More sharing options...
manaliveits105 Posted August 27, 2022 Share Posted August 27, 2022 There’s nothing like a bit of jkb auld enclosure doom and gloom to kick off a Saturday Quote Link to comment Share on other sites More sharing options...
ri Alban Posted August 27, 2022 Share Posted August 27, 2022 Stockholm syndrome is very bad for your mental health. Quote Link to comment Share on other sites More sharing options...
Unknown user Posted August 27, 2022 Share Posted August 27, 2022 Quote Link to comment Share on other sites More sharing options...
WorldChampions1902 Posted August 27, 2022 Share Posted August 27, 2022 If this catches on, perhaps we will see a drop in Water bills in England and Wales at least. Quote Link to comment Share on other sites More sharing options...
ri Alban Posted August 27, 2022 Share Posted August 27, 2022 (edited) Wales and Scotland getting ripped right off with energy bills. Scotland produces almost double and Wales almost 2 and half times what we use. NI break even. I wonder who we're all subsidising. 🤔. Should be on the energy thread, but feck it. Edited August 27, 2022 by ri Alban Quote Link to comment Share on other sites More sharing options...
Pans Jambo Posted August 27, 2022 Share Posted August 27, 2022 5 hours ago, ri Alban said: Wales and Scotland getting ripped right off with energy bills. Scotland produces almost double and Wales almost 2 and half times what we use. NI break even. I wonder who we're all subsidising. 🤔. Should be on the energy thread, but feck it. Wish folk would wake the feck up! Quote Link to comment Share on other sites More sharing options...
OBE Posted August 30, 2022 Share Posted August 30, 2022 £7 for a 750g tub of Lurpak butter, which is now sporting a yellow security tag...Wow! Spread the word...😄 Quote Link to comment Share on other sites More sharing options...
Jambo 4 Ever Posted August 30, 2022 Share Posted August 30, 2022 How do people who want to have a baby make it work if they need to take time off work for maternity / paternity leave… and pay a mortgage and bills etc ? i feel sorry for those Quote Link to comment Share on other sites More sharing options...
Unknown user Posted August 30, 2022 Share Posted August 30, 2022 1 minute ago, OBE said: £7 for a 750g tub of Lurpak butter, which is now sporting a yellow security tag...Wow! Spread the word...😄 I've been taking it dry for ages. Bread, I mean. Quote Link to comment Share on other sites More sharing options...
AlimOzturk Posted August 30, 2022 Share Posted August 30, 2022 2 minutes ago, Jambo 4 Ever said: How do people who want to have a baby make it work if they need to take time off work for maternity / paternity leave… and pay a mortgage and bills etc ? i feel sorry for those Hopefully something you’ll never have to worry about. Future generations have enough problems without your offspring to to worry about. Quote Link to comment Share on other sites More sharing options...
OBE Posted August 30, 2022 Share Posted August 30, 2022 1 minute ago, Smithee said: I've been taking it dry for ages. Bread, I mean. Toast? Just slumming it with Jam & Marmalade? Quote Link to comment Share on other sites More sharing options...
Jambo 4 Ever Posted August 30, 2022 Share Posted August 30, 2022 3 minutes ago, AlimOzturk said: Hopefully something you’ll never have to worry about. Future generations have enough problems without your offspring to to worry about. How funny …… not!! Quote Link to comment Share on other sites More sharing options...
Unknown user Posted August 30, 2022 Share Posted August 30, 2022 5 minutes ago, OBE said: Toast? Just slumming it with Jam & Marmalade? Yep, with cheese of course. You can't have Rose's lemon and lime without cheese, or peanut butter. It needs the dry. Quote Link to comment Share on other sites More sharing options...
OBE Posted August 30, 2022 Share Posted August 30, 2022 4 minutes ago, Smithee said: Yep, with cheese of course. You can't have Rose's lemon and lime without cheese, or peanut butter. It needs the dry. Ok, what kinda cheese? Maybe pair them up when my hands are idle, ran outa rooms to decorate...😆 Quote Link to comment Share on other sites More sharing options...
Unknown user Posted August 30, 2022 Share Posted August 30, 2022 14 minutes ago, OBE said: Ok, what kinda cheese? Maybe pair them up when my hands are idle, ran outa rooms to decorate...😆 Start with cheddar, classic. It sounds weird, but think how well cheese works with sweet and moisture in a cheese cake Quote Link to comment Share on other sites More sharing options...
ri Alban Posted August 30, 2022 Share Posted August 30, 2022 1 minute ago, Smithee said: Start with cheddar, classic. It sounds weird, but think how well cheese works with sweet and moisture in a cheese cake You've thought about this too much. Cheesee Quote Link to comment Share on other sites More sharing options...
Unknown user Posted August 30, 2022 Share Posted August 30, 2022 7 minutes ago, ri Alban said: You've thought about this too much. Cheesee I've been eating cheese and jam pieces for 40 years mate, I dream about them! Quote Link to comment Share on other sites More sharing options...
ri Alban Posted August 30, 2022 Share Posted August 30, 2022 1 minute ago, Smithee said: I've been eating cheese and jam pieces for 40 years mate, I dream about them! Pieces in corned beef and tomato soup is my go to. And when I have a fry , I don't know why she puts it on a plate. It all goes in three rolls. 😋 Quote Link to comment Share on other sites More sharing options...
il Duce McTarkin Posted August 30, 2022 Share Posted August 30, 2022 8 hours ago, Smithee said: I've been eating cheese and jam pieces for 40 years mate, I dream about them! Good lad. Cheese and jam piece daft, me. Toasted with a wee slice of unsmoked streaky bacon in there works a treat too. Quote Link to comment Share on other sites More sharing options...
JudyJudyJudy Posted August 30, 2022 Share Posted August 30, 2022 9 hours ago, Jambo 4 Ever said: How do people who want to have a baby make it work if they need to take time off work for maternity / paternity leave… and pay a mortgage and bills etc ? i feel sorry for those It’s Scotland we are in , bonus points if you kids , the state practically encourages it 8 hours ago, Smithee said: I've been eating cheese and jam pieces for 40 years mate, I dream about them! Sounds foul Quote Link to comment Share on other sites More sharing options...
Unknown user Posted August 30, 2022 Share Posted August 30, 2022 22 minutes ago, JudyJudyJudy said: Sounds foul Individual human existence can be split into 2 distinct parts; there's life after your first cheese and jam piece, and the darkness that preceded it. Some unfortunate souls will never know 😿 Quote Link to comment Share on other sites More sharing options...
kila Posted August 30, 2022 Share Posted August 30, 2022 26 minutes ago, JudyJudyJudy said: Sounds foul Brie and cranberry as a posh version then? Quote Link to comment Share on other sites More sharing options...
Unknown user Posted August 30, 2022 Share Posted August 30, 2022 Sweet and savoury's amazing, we had these bacon, cheese and syrup pancakes with slices of apple in the base in Enkhuizen, **** me! Quote Link to comment Share on other sites More sharing options...
Unknown user Posted August 30, 2022 Share Posted August 30, 2022 Just now, kila said: Brie and cranberry as a posh version then? Quote Link to comment Share on other sites More sharing options...
FWJ Posted August 30, 2022 Share Posted August 30, 2022 9 minutes ago, Smithee said: Individual human existence can be split into 2 distinct parts; there's life after your first cheese and jam piece, and the darkness that preceded it. Some unfortunate souls will never know 😿 Christmas cake + Wensleydale 😋 Quote Link to comment Share on other sites More sharing options...
FWJ Posted August 30, 2022 Share Posted August 30, 2022 9 minutes ago, kila said: Brie and cranberry as a posh version then? Bacon, brie and cranberry as the even better posh version! Quote Link to comment Share on other sites More sharing options...
JudyJudyJudy Posted August 30, 2022 Share Posted August 30, 2022 21 minutes ago, jonesy said: As it should. Pretty much the entire point of existence is to keep churning out more of the same species. Not for everyone . I don’t need any validation by fertilising my sperm with an egg 🥚 Quote Link to comment Share on other sites More sharing options...
JudyJudyJudy Posted August 30, 2022 Share Posted August 30, 2022 23 minutes ago, kila said: Brie and cranberry as a posh version then? I suppose it is actually . Love most cheeses . In fact eat too much of it really but yolo Quote Link to comment Share on other sites More sharing options...
Jambo_jim2001 Posted August 30, 2022 Share Posted August 30, 2022 On 27/08/2022 at 14:34, ri Alban said: Wales and Scotland getting ripped right off with energy bills. Scotland produces almost double and Wales almost 2 and half times what we use. NI break even. I wonder who we're all subsidising. 🤔. Should be on the energy thread, but feck it. IOM have frozen the utility bills😳 gas powered generated station,,wonder where the gas comes from🤔🤔 Quote Link to comment Share on other sites More sharing options...
JudyJudyJudy Posted August 30, 2022 Share Posted August 30, 2022 9 minutes ago, jonesy said: Of couse, bud. Not everyone does it, but procreation is as close to a meaning of life as any (and every) species has. Quote Link to comment Share on other sites More sharing options...
Jambo_jim2001 Posted August 30, 2022 Share Posted August 30, 2022 9 hours ago, Smithee said: I've been eating cheese and jam pieces for 40 years mate, I dream about them! A Bo' Ness steak as it's known in lithgae😂 Quote Link to comment Share on other sites More sharing options...
Unknown user Posted August 30, 2022 Share Posted August 30, 2022 7 minutes ago, Jambo_jim2001 said: A Bo' Ness steak as it's known in lithgae😂 😆 Quote Link to comment Share on other sites More sharing options...
The Mighty Thor Posted August 31, 2022 Share Posted August 31, 2022 Food price inflation hits a new record of 9.3%. World leading apparently. Quote Link to comment Share on other sites More sharing options...
ri Alban Posted September 1, 2022 Share Posted September 1, 2022 Inflation to hit 22% Quote Link to comment Share on other sites More sharing options...
Captain Sausage Posted September 13, 2022 Share Posted September 13, 2022 I’ve just paid a £1700 early repayment charge and fixed my mortgage which was due to finish in April 23. My wife’s friend works at Goldman Sachs and she said their projection is for BOE base rate to climb to 4% by the middle of next year. Given it’s currently at 1.75% (albeit expected to go to 2.25% this month) and the best mortgage rates available for a 80% LTV on a 5 year fix are 3.6%, I’m going to end up paying £300 a month more, but at least I’m protected from a rise of 7-900 a month if rates keep going up. We are starting to feel the pinch now, money running out a week early despite us switching from Sainsburys to Aldi/Lidl and stopping all pubs/takeaways. With utility bills going up next month and another £300 to find for the mortgage, I think we are going to have to find either new jobs or start cutting back on nursery provision which is a nightmare as we both work full time and don’t have family nearby. I think this is going to get quite nasty quite quickly. Quote Link to comment Share on other sites More sharing options...
briever Posted September 13, 2022 Share Posted September 13, 2022 54 minutes ago, Captain Sausage said: I’ve just paid a £1700 early repayment charge and fixed my mortgage which was due to finish in April 23. My wife’s friend works at Goldman Sachs and she said their projection is for BOE base rate to climb to 4% by the middle of next year. Given it’s currently at 1.75% (albeit expected to go to 2.25% this month) and the best mortgage rates available for a 80% LTV on a 5 year fix are 3.6%, I’m going to end up paying £300 a month more, but at least I’m protected from a rise of 7-900 a month if rates keep going up. We are starting to feel the pinch now, money running out a week early despite us switching from Sainsburys to Aldi/Lidl and stopping all pubs/takeaways. With utility bills going up next month and another £300 to find for the mortgage, I think we are going to have to find either new jobs or start cutting back on nursery provision which is a nightmare as we both work full time and don’t have family nearby. I think this is going to get quite nasty quite quickly. Good reminder - we've got a chance to fix our mortgage rate - thanks. Quote Link to comment Share on other sites More sharing options...
Greedy Jambo Posted September 13, 2022 Share Posted September 13, 2022 Over 15 quid to get a 12 inch pizza delivered from a chippy, Ridiculous. Quote Link to comment Share on other sites More sharing options...
JudyJudyJudy Posted September 13, 2022 Share Posted September 13, 2022 9 minutes ago, Greedy Jambo said: Over 15 quid to get a 12 inch pizza delivered from a chippy, Ridiculous. How much was the pizza ? Quote Link to comment Share on other sites More sharing options...
Greedy Jambo Posted September 13, 2022 Share Posted September 13, 2022 11 minutes ago, JudyJudyJudy said: How much was the pizza ? I didn't order it, I'm no stupid. 12 quid though, 3 quid delivery, 50p to just eat. Quote Link to comment Share on other sites More sharing options...
Cairneyhill Jambo Posted September 13, 2022 Share Posted September 13, 2022 36 minutes ago, Greedy Jambo said: Over 15 quid to get a 12 inch pizza delivered from a chippy, Ridiculous. A fish supper from the Gorgie Fish Bar is now a tenner. Unreal. Quote Link to comment Share on other sites More sharing options...
Greedy Jambo Posted September 13, 2022 Share Posted September 13, 2022 (edited) 6 minutes ago, Cairneyhill Jambo said: A fish supper from the Gorgie Fish Bar is now a tenner. Unreal. Aye, that's bad, especially when you finish the fish in about 3 minutes and you're just left with chips, how much does it cost to fry some potato's man? I know they've got overheads etc, but they're going to lose so many customers, is it worth it? Edited September 13, 2022 by Greedy Jambo Quote Link to comment Share on other sites More sharing options...
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