slimboyfat

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Posts by slimboyfat

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  12

  Are adjustable rate mortgages the norm in the UK?

  by SydBarrett in

  1. jw
  2. friends

  perhaps an odd subject for a presumably religious focused discussion board, but there are a fair number of brits here... i'm an american, but i sometimes listen to the podcast of the james o'brien radio show.

  (a brit political radio show where people call in).

  the past few months, a common topic has been people calling in discussing how hard they are getting hit financially because of a dramatic rise in interest rates on their mortgage.

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  slimboyfat

  House prices have increased much more than wages since the 1980s that’s why interest rates at 6% are a much bigger deal at current prices than even at the peak interest rates in the 1980s when prices were much lower. Even at that, interest rates of 15% were very short lived in the 1980s any case.
  
  https://www.economicshelp.org/blog/5568/housing/uk-house-price-affordability/
  
  House prices have increased by 2 and 1/2 times since the early 1990s when taking inflation into account, from around £100,000 to over £250,000 in today’s money.
  
  
  
• 
  12

  Are adjustable rate mortgages the norm in the UK?

  by SydBarrett in

  1. jw
  2. friends

  perhaps an odd subject for a presumably religious focused discussion board, but there are a fair number of brits here... i'm an american, but i sometimes listen to the podcast of the james o'brien radio show.

  (a brit political radio show where people call in).

  the past few months, a common topic has been people calling in discussing how hard they are getting hit financially because of a dramatic rise in interest rates on their mortgage.

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  slimboyfat

  Yeah but house prices were ten times lower in the 1980s.

  15% of a much lower number is a lower amount than 6% of a much larger number.
• 
  12

  Are adjustable rate mortgages the norm in the UK?

  by SydBarrett in

  1. jw
  2. friends

  perhaps an odd subject for a presumably religious focused discussion board, but there are a fair number of brits here... i'm an american, but i sometimes listen to the podcast of the james o'brien radio show.

  (a brit political radio show where people call in).

  the past few months, a common topic has been people calling in discussing how hard they are getting hit financially because of a dramatic rise in interest rates on their mortgage.

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  slimboyfat

  I think it’s about 50/50 and is perceived as a consumer choice whether to go with a fixed or variable rate.

  Variable rate has been popular since the 2008 crash because rates became so low and the variable rate has generally been a bit lower than the fixed rate available.

  In the past couple of years fixed rates have become more popular again because rates have been rising, and there has been expectation they will rise further so people now wish to lock in a perceived lower fixed rate, if possible.

  Fixed rates are generally not available for the whole term and need to renegotiated after 5 years or so.

  This is the situation as far as I know.

  James O’Brien is insufferable.
• 
  32

  Do you play the LOTTERY?

  by Fisherman in

  1. social
  2. entertainment

  jw view gambling as a sin and sadly people get addicted to gambling causing them financial and health problems.

  but is playing a couple of bucks a week on some lottery tickets actually gambling?

  what do you have to lose?

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  slimboyfat

  When we helped an MS moving, a lottery receipt came to daylight behind the fridge. Was a little embarrassing. But no consequences followed as far as I remember.

  Ah the joys of JW life, never knowing when some misstep or thought crime might disclose itself unprompted to expose you to the instant scorn of the brothers.
• 
  32

  Do you play the LOTTERY?

  by Fisherman in

  1. social
  2. entertainment

  jw view gambling as a sin and sadly people get addicted to gambling causing them financial and health problems.

  but is playing a couple of bucks a week on some lottery tickets actually gambling?

  what do you have to lose?

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  slimboyfat

  I like the story of the great grandmother buying a winning lottery ticket to help out her son.

  I think the elders’ book specifically says that small scale and occasional gambling is not a disfellowshipping offence.
• 
  11530

  It's been a long 9 years Lloyd Evans / John Cedars

  by Newly Enlightened in

  1. watchtower
  2. scandals

  original reddit post (removed).

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  slimboyfat

  Has he paid to inflate his Patreon number?

  On the one hand he’s an egomaniac who would do anything to maintain the fiction of success.

  On the other hand he is so tight with money it’s hard to imagine him spending anything on his business if he can avoid it.

  So who knows? I think it’s possible but not likely.

  The working assumption should be that there really are still shockingly high numbers of patrons who haven’t yet jumped ship, or who have joined while somehow remaining oblivious to LE’s behaviour.
  

  His real trouble is that his videos are rubbish and he knows it and he hates doing them. Any reprieve on the patron front is more like extra time added to a chore he desperately wants to escape.
• 
  11530

  It's been a long 9 years Lloyd Evans / John Cedars

  by Newly Enlightened in

  1. watchtower
  2. scandals

  original reddit post (removed).

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  slimboyfat

  Oh for crying out loud he’s up to 475. 😂

  But the facts don’t change he hates doing the videos and they’re getting worse and worse.

  It’s gonna be a long bumpy ride to the bottom.
• 
  11530

  It's been a long 9 years Lloyd Evans / John Cedars

  by Newly Enlightened in

  1. watchtower
  2. scandals

  original reddit post (removed).

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  slimboyfat

  It seems he got another mini bounce from a begging banner in the last few days. But the trend is still inexorably downwards. It’s like watching the slowest band aid being ripped off ever. When the whole racket finally disappears it’ll be his local dealers and pimps who feel it the most.
• 
  11530

  It's been a long 9 years Lloyd Evans / John Cedars

  by Newly Enlightened in

  1. watchtower
  2. scandals

  original reddit post (removed).

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  slimboyfat

  • It blows my mind that this thread is still going 🤯

  It blows my mind the LE channel is still going and all his patrons haven’t jumped ship yet
  
• 
  165

  Lloyd Evans Patreoff Pool - October 2023

  by DerekMoors in

  1. social
  2. humour

  it's not too early to place your bets for how many patrons his royal thighness will lose in october.

  as of this writing, his tally stands at 457. so, where do you think he'll be on october 2?

  lucky number 420?

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  slimboyfat

  I agree, it would be more intelligible to state the ultimate destination number rather than the drop, which is a moving target.

  For me the for October I will guess will be 523