As I sit here drunking rim and coke it occurs to me that I have been a negligent blogger for a while, so here is an update on what life has been doing to me.
The Credit crunch. On the whole this is a GOOD thing. For me at least. Allow me to explain. I have very little by the way of savings.
Because I worked an interest free credt card agreement just before I remortaged in October I had £6300 on 0% credit. It would have been silly to pay off 0% credit, so I banked the cash instead, which is now technically savings. I have been paying off an affordable amount of the interest free, reducing it to £5000. Meantime the £6500 which would have been paying off that credit has been earning a small but significant amount of interest in the bank, such that even after borrowing a small sum from myself I still have a profit of £54.47 to show.
Additionally, despite owing a mortgage of £122,000 my outgoings are now a mere £751 a month instead of £1000 in October. This means I can make overpayments to make up for the poor performance of my endowments which are failing because of the credit crunch. Still with me on this? Basically, although I had a payrise of less than inflation, and my earnings are eroded due to government incometence, I am able, due to Government incompetance, to make additional payments to make up for the endowments that due to Government incompetance have failed to perform as well as they might, if, of course we had a competent Government, who had controlled inflation better. And the banks.
Am I the only one confused by the Government Policy on this? If I print money, it's called forgery. If the Government print money it's called "Quantitive easing"
Then there's the Council Tax. This has gone up by 3.9% when inflation, we are told, was running at 3%, and my pay rise (or ct depending on your viewpoint) was 2.5%. I wrote to Stephen Parnaby, leader of East Riding of Yorkshire Council, and his response is that Council Tax has gone up for a number of reasons. One reaso is that more people ae living in the county! Well, excuse me, but if more people are living here, then surely they each pay council tax? More people paying should mean, on econmoies of scale, that council tax can be REDUCED!
perhapsERYC are actively encouraging non taxpayers into the area? The unemployed, students, disabled etc. It certainly appears so. Whenever I go into a supermarket car park you can't move for all the motabity cars, driven by people who are fat, lazy and incompetant. I have no issue with the genuinely disbaled. but those who have acheived disabilty status by drinking, drugtaking and eating to excess do not deserve to be supported by the taxpayers.
I don't care to name them. I don't judge them. I just grade them and smite them, swiftly and surely and by the wrath of God.
Well I would if only smiting were legal.
So what else is going on?
My Vegetable powered van runs on, smelling of chips and generally being very economical thank you. I still have to pay a stupid amount of road tax, not only for the van, but also NOT to use my ther car wcih stays in the gage NOT polluting the planet. I worked out that last year it did 4,300 miles The polution it (allegedly) created was less than the lowest polluting suprmini doing 6500 miles. Yet the road tax, to leave it largely at home, was SEVEN times that of the supergreen supermini. How fair is that?
Morever, the "green" vegetrian in his Peugeot 102or whatever probably FLIES to Majorca orsoem exotic holiday destination, polltuing the atmosphere with aviation fuel. I on the other hand holiday in the U with my caravan, with my "Gas Guzzler" (Which turns out to be greener after all) towing a caravan and upporting the British Economy! Except I don't because owing to all the taxes I pay I can't afford holiday (AGAIN!)
Oh well. There must be a General Election due soon. Guess where my votes going?
Wednesday, 25 March 2009
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