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I suspect they excluded something from the 11k numbers - such as interest due on debt for example.

I was going to say that the video was bollocks and then I read the BoE paper. Would you believe that I have worked in Finance for 25 years & didn't know that? The importance of capital ratio now makes more sense to me. Thank you. So, yes I agree, that permitting banks to lend more and...

I agree with almost everything you say & I agree that houses can be bought for £100k. But my concern is that even that is not affordable: Age 24, now earning, say, £27k and has £20k of student debt outstanding. £27k is a good salary for a young person and that's only just affordable - right...

I'm sorry - you are wrong.

If you get a windfall do you spend it all immediately? Or do you save some for a rainy day? Only my opinion but I think it would be dumb to splash out everything next year only to possibly be broke the following year.

I don't understand this point. Issuing a mortgage isn't printing money. Banks have to fund mortgages: that's why they have savings accounts and the London inter-bank lending market exists (LIBOR). Further, reducing mortgage lending further would only put new buyers in greater difficulty.

I'm wondering if part of the solution may be to build more high end blocks of flats in urban areas. Here's the thinking: if you build low-end tower blocks they quickly become no go areas & you cannot force the under classes to behave (NB by under-class I don't mean to poor, I mean those people...

If you take the land off builders who's going to build the houses? There's already a control for the type of houses that are built - it's not enough.

This is not a party political rant, both main parties have had a go at this issue and failed. Further I am not a racist or against people migrating per se. I read yesterday that house prices went up by nearly 10% again over the past 12 months: much faster than the rate of general inflation and...

Ain't going to be a lot of building forwards if we spend all our money. Just my opinion but one player doesn't make a team; a successful team is more than the ability of each individual.

I don't remember them playing Cov - but then I'd have been just a little too young to have been allowed to go in 78. By 79/80 I was out at gigs most weekends.

Nope, don't believe so. oh well, this is pop.

Comedy: Eric & Ernie; Reeves & Mortimer; Fielding & Barratt Music: Docherty & Barat; Partidge & Moulding; Page and Plant Books: Joyce & Beckett Food: Madras & pilau

It's always good to approach everything with cynicism.

Wow.

I used to play the bookie on Betfair regularly for a number of years. I'd put up offers for and against every possible outcome and wait to be lifted. It was a very nice little earner but then I lost heavily on the World Cup final and decided to close out - as my wife was fed up with the time...

I'm certainly no expert on this and get it wrong continually. However I believe this is a big difference between men and women generally (although I hate generalisations and am questioning myself already about making one). When men ask for help they are seeking a solution. When women do it...

Having just watched Deutschland '83 (great TV BTW), I'm going into a Berlin-fest: Iggy; Bowie; Can; Tangerine Dream and Velvet Underground - which is not German but has the same ambience.

Backing up shit doesn't sound very attractive.

The FA bending over backwards again to help the four or five biggest clubs and shaft the rest of the professional game. They are destroying football.