Monthly Archives: September 2019

Why exploiting Greta Thunberg was disgraceful

This week, the UN climate conference was hijacked by a 16 year old Swedish girl, Greta Thunberg, who made a passionate speech, that was obviously scripted by her supervisor, who works for one.org, an organisation that is funded by George soros, amongst others. The people behind this mass hysteria are manipulating the youth en mass, in to a frenzy of fear that the end of the world is coming. There is even a new buzz-word for this, it is called ‘Eco-anziety’

without a carefully rehearsed script to work from, Greta doesn’t really have a lot to say, as can be seen in the video below, where she is asked a simple question by a reporter, but after glancing at her supervisor for help, Greta suggested that the reporter ask other people.

The response to any questioning of this carefully staged insult, is one of ‘conspiracy’ or the fact that Greta has Asperger’s, means that questioning the cynical reasons for her performance. The world’s media and the sheep all over social media have been busy attacking anyone who can see through this pre-meditated insult, by accusing them of attacking an innocent child.

Greta is not to blame here, she is just a child, but she is a child who has been brainwashed, terrified and is being exploited by the people behind her, to nurture a culture of hate by the young, for the old.

In fact, the degree of passion, fear and hate that is being cultivated in people like Greta is very reminiscent of the ‘Hitler Youth’  Where will this end, will this next generation happily support the punishment of the older generation? Will they support going to any lengths to ‘save the planet’ that is about to end, by turning a blind eye to the so called solution that the instigators of this media show reveal in good time.

There are many sources of unbiased facts to refute this scaremongering campaign, but as expected, most of the dedicated scientists who have evidence that we are being lied to are kept out of the lime light, discredited or ridiculed.

 

Here is a chart with the historical trends of average global temperature and the atmospheric concentration of CO2. Correlation? The idea that CO2 is the regulator of Earth’s temperature is counterfactual, yet the narrative that human emissions of CO2 will produce a climate disaster is routinely drummed into our children.

 

Greta Thunberg has been indoctrinated with climate alarmism, and so have American students. The National Environmental Education Act of 1990 mandated that our public schools’ environmental curriculum be cleared through the Office for Environmental Education at the EPA. This means that warnings of global warming have been pounded into our kids for many years. There is even a famous recording of Al Gore telling children a decade ago to pay attention to what their schools teach them about climate change, because schools have the latest “scientific” information and their parents don’t.

What we know with certainty is this: 1) It is impossible to predict the climate (the U.N.’s Inter-governmental Panel on Climate Change correctly stated this) and 2) Natural disasters and horrific weather events are unavoidable, but the more prosperous human societies become, the better able we are to cope with and survive nature’s fury, and that is good news indeed.

The climate-change cabal has succeeded in making Greta Thunberg a poster child for their movement. Inadvertently, they also have made her a poster child for the cynical exploitation of innocent children. Shame on them.

15 Year old boy was let down by state

A probe will be launched to see if social welfare officials did everything possible to help a 15-year-old boy who committed suicide last week and who was experiencing serious poverty and other issues, the department said on Tuesday.

The boy, Stylianos, was found dead by his father on Thursday evening at a farm in a village in the Nicosia district.

Following reports of psychological problems and domestic violence in the boy’s family, social welfare services found themselves in hot water over whether they had handled the case properly and whether the boy’s death could have been prevented.

COMMENT

What a terrible situation, when the life of a child is lost under such tragic conditions, it is not only the family who are to blame, the burden of responsibility falls much further afield. The Social Services are ultimately responsible for ALL CHILDREN, it is their duty to monitor them at school, at home and anywhere they possibly can.

More often than not, there are indicators, with teachers being the first point of contact. It is not just a few individuals who carry the burden of responsibility here, it is Cyprus as a whole, because it is our apathy that allows these incompetent people to take salaries, they do not deserve.

If this young person is not to have died in vain, then we as a community must ensure that those who are responsible for GROSS NEGLIGENCE are not only brought to account for their actions, or lack of, but we must not allow this to be swept under the proverbial carpet.

I feel, most strongly, that we should not only be judged, but should judge ourselves on how far we go to protect the innocent.

As a father who has also had to stand by and watch the negligence of these people fail my own child, I would like to see this boy inspire us to protect other children………….at any cost.

Vast majority of BTL landlords remain committed

An overwhelming majority of buy-to-let landlords are optimistic about their future in the private rental sector with 84% looking to maintain or expand their portfolio over the next 12 months, fresh research shows.  Just 16% of landlords are looking to reduce the number of properties they have over the next 12 months, according to the latest report published by The Mortgage Lender.

The report, ‘The Mortgage Lender, Buy-to-let: The Landlord Experience’, reveals that the most common number of properties for landlords is between two and four – 45% – while 11% of property investors are now using a limited company structure for their investments.

The report also shows that around half of all landlords agree that tax changes have led to a reduction in the number of private landlords, but just 1% think that has led to a rise in the quality of rental properties. Meanwhile, just 15% of landlords are seeking out specialist tax advice about their rental properties, while only four in 10 – 42% – are using a specialist buy-to-let mortgage broker when organising their borrowing.

Peter Beaumont, The Mortgage Lender’s deputy chief executive, commented:

“Our special report provides an in-depth guide to the buy-to-let market, including landlord obligations and yields around the country.” 

The report also reveals that property maintenance, care of property and tenant behaviour are the top three concerns keeping landlords awake at night.  Beaumont added: “Our panel of landlords have shared their worries and opinions with us and we’ve included landlord case studies to demonstrate the depth of borrower circumstances we are dealing with on a regular basis.”

Stamp duty could be lowered by Chancellor

A London estate agency says one of its buyers wants to delay completion until November 1 “just in case stamp duty is changed in October”. Aylesford International director Brendan Roberts says one of his firm’s buyers made the request following speculation that stamp duty could be lowered by Chancellor Sajid Javid.

“Anyone looking to sell is unlikely to conclude a sale much before late October even if they found a buyer early September, so agreeing a delayed completion to allow for any changes in SDLT shouldn’t create too much inconvenience and with buyers thin on the ground it is useful to be flexible and adapt to help buyers commit” explains Roberts.

The move follows widespread speculation by government ministers that stamp duty will be reformed – but without saying when or how. Other agents report alternative tactics pursued by purchasers keen to avoid paying more SDLT than they need – but these raise questions over whether conveyancers would help.

“We have had a pronounced increase in enquiries from clients seeking to utilise the existing ‘mixed use’ stamp duty concession. This concession is still not well understood but can yield dramatic savings on higher value properties” explains Gideon Sumption of Stacks Property Search.

“There is a huge and obvious incentive to look at mixed use property where the maximum rate of SDLT is five per cent. There is no current legal definition but such is the amount of money involved there will almost certainly be some case law soon” Sumption continues.

“The current understanding is that for mixed use SDLT to apply, the property needs to have a commercial element, namely enjoy commercial income from land or buildings that from part of the whole. This could be a self-contained annexe let on an assured shorthold tenancy, some pasture let to a farmer or some buildings let as workshops. What won’t qualify are extensive grounds used purely for the enjoyment of the house.”

Another Stacks agent, Bill Spreckley, says buyers are becoming “more and more aware “ not only about the mixed use option but also how so-called ‘multiple dwellings’ can attract lower SDLT.

“If you buy a property with ‘Multiple Dwellings’ – that is an annexe, cottage or flat – then there are discounts available. One takes the price of the whole property, divide it by the number of properties, work out the SDLT per property and then multiply that figure by the number of properties again” he says. He says a principal property sold with two cottages counting as ‘multiple dwellings’ – each sold at a notional £666,666 – would attract stamp duty of £69,999 but sold as one unit at £2m it would incur SDLT of £153,750.

Barclays introduces fresh rate cuts

Barclays has introduced a new set of rate reductions to its buy-to-let and residential ranges. In total, there have been 19 changes, with cuts of up to 0.13%.

In Barclay’s BTL section for purchase and remortgage, the 60% loan-to-value (LTV) two-year fix with £1,795 product fee has had its rate cut from 1.42% to 1.37%. 

Barclays recently launched a new five-year fixed rate buy-to-let product at 75% LTV. The purchase only deal is available at 2.19% and is subject to a £1,295 product fee. Last month, the lender cut its 75% LTV two-year fixed rate deal from 1.68% to 1.65%. This deal is subject to a £1,795 fee and a maximum loan value of £1m.

Craig Calder, director of mortgages at Barclays, said: “The new reductions we have announced will ensure we continue to offer a highly competitive fixed rate range that provides certainty of payments.”

Labour to allow private tenants to buy their rented homes!

The Labour Party could bring in a radical “right to buy” scheme if it gains power at the next general election which could help millions of private tenants in the UK to buy their rented homes at a reasonable price, the shadow chancellor has suggested.

John McDonnell is promoting the idea as a way to make it easier for workers to buy the homes they live in, while also tackling what he calls the “burgeoning buy-to-let market” and the problem of landlords who do not maintain their properties.

John McDonnell wants to see tenants have a better chance of buying their homes from landlords (Kirsty O’Connor/PA)

In what would be a day of reckoning for many of Britain’s 2.6 million landlords, the mooted right-to-buy scheme in the private housing market would echo Margaret Thatcher’s policy of the 1980s relating to government housing, under which millions of council tenants bought the property in which they lived. Mr McDonnell set out some loose guidelines for the Labour idea – first suggested by Jeremy Corbyn during his 2015 bid for leadership of the party – based on the premise that the sum paid by tenants wishing to buy their dwelling would not necessarily be the market price.

“You’d want to establish what is a reasonable price, you can establish that and then that becomes the right to buy,” he told the Financial Times. “You (the government) set the criteria. I don’t think it’s complicated.”

Mr McDonnell suggested the plan would be a way of redressing problems such as landlords refusing to invest in their properties while making a “fast buck” at the cost of their tenants and the community.

“We’ve got a large number of landlords who are not maintaining these properties and are causing overcrowding and these problems,” he said.

Mr McDonnell also detailed a bold share transferal proposal, under which a Labour government would confiscate some £300 billion of shares in 7,000 large companies and hand them to workers, in what would be one of the largest ever raids by a government on the private sector seen in a western democracy. Under that plan, every company with more than 250 workers would have to gradually transfer 10 per cent of their shares to their employees, the paper said.

Leeds BS launches 10-year fixed rate mortgage range

Leeds Building Society has this morning launched a new range of 10-year fixed rate buy-to-let products. There is a product available at 2.49% up to 60% loan-to-value (LTV) and 3.29% deal up to 70% LTV. Both products are subject to a £999 product arrangement fee and come with free standard valuation and fees assisted legal services.

Matt Bartle, director of products at Leeds Building Society, commented:

“Our new ten-year buy-to-let products provide additional choice for landlords, and follow our recent rate reductions and the introduction of new cashback incentives in our range.

“Longer term fixes provide landlords with the opportunity to budget for their mortgage costs over a decade, as well as saving any fees associated with remortaging during the period.

“In the current rate environment, fixing for a longer term offers landlords some security at a time of economic uncertainty.”