The Mortgage Scam

I thought on the Mortgage scam - In the UK when we have a mortgage we have the notion that the house belongs to us. But note: the bank holds the deeds ‘till all mortgage payments are made – so who really owns your house?

Of course when we finally make all the payments and get our hands on the deeds then it is our house, then we will really do own the house! But for how long? We have ‘moved on’ in life a little now and we may find we have to remortgage again to pay expenses such as helping our children or even to pay for nursing care – we may find we have little time to enjoy our hard earned dwelling.

So a mortgage is simply a device to allow us to think we own the house – but in reality what we own is at first a tiny fraction, later maybe a half and later still, with much hard lobour and persistence the whole house. But beware! If you miss your payments a few times the ‘beneficial bank’ is quite ready to repossess and does not bother to grant back what you have paid before the repo takes place. It will happily sell your property to pay itself what is still outstanding and if the sale does not fetch enough your ‘beneficial bank’ will bill you again for the rest!

So why do we not rent at about half the usual mortgage payment rate and have much more free money, as they do in real Europe? ‘Because this way we can get our own house’ you may say.

But sadly this hope is often just an unfulfilled dream.

European Union are rapidly implementing new legislation which will effectively BAN FOREVER a large range of supplements.

I spoke with a friend recently about Chelation - the removal of extra metal deposits that can get lodged in our bodies, brains and many other organs. Not a good idea to have these hanging around and reducing our memory power and messing up functions in the kidney and liver --- I also looked at his site and spied the following message - please read this for your own good and reply to this blog so we may together take some action to stop this action against our human rights.

The European Union are rapidly implementing new legislation which will effectively BAN FOREVER a large range of supplements. These include Chinese
mushroom capsules, reishi and cordyceps plus thousands of others. These
products will then only be available (if at all) through the pharmaceutical
companies at extortionate prices and they will be full of fillers/sweeteners
and other assorted 'nasties'.

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fishes heads actually point - u get directions to the shop

Tired after work, I ventured for Fish and Chips.    Martin at Winfield has two signs on the big roundabout. ‘its like a lifeline to the business – such a fuss to get two signs – ‘oh u cant do that they (the council) said – and yet in the end they were helping! You see fishes heads actually point so u get directions to the shop ‘gosh, that’s not allowed on these signs’ I hear the council say. I said something about the councils obstructive ways which I won’t write here.

We all now how true this sort of unhelpful behaviour is and there is no wonder so many small businesses founder in this atmosphere. So there is little wonder at all that small businesses close and jobs are lost. How on earth can the UK prosper in this sort of atmosphere? Why do we struggle on – yet we do.

If your biz is called Sainsbury’s or Morrison’s u can take up the challenge and use legal power to get what u want. If u are just starting out it is so much more difficult.

Read this Mr Cameron and Mr Clegg and put pressure on so the councils are more helpful , Also keep the Biz Rates down, as they are until October. Scotland helps SMBs with its far seeing parliament, then we can do the same.

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With great enthusiasm I put together this letter

With great enthusiasm I put together this letter - at least in mind many of my colleagues agree with this - and of course I received the usual little card to thank me for my effort!

What do you think of my sentiments - or are you one of the many who think politicians are in a club of their own who only say they care ???? You are welcome to post your views here!

Mr David Cameron, P.M.

10 Downing Street

London, SW1 2AA

LINKtogether

109a Roundhay Road

Leeds LS8 5AJ

4^th October 2010

Dear David Cameron and Nick Clegg,

There is much ability in the UK – yet people who would do much , put in much effort, are stifled again and again ---- Or should I say were stifled and the signs from the Coalition look good. Chances for ordinary people to come forward and give a hand in voluntary or even paid capacities in work with libraries , setting up schools, young peoples training and in enhancement of what is in many places is already struggling to take place are growing.

The main point being to recognise this work and to remove the negative ‘vibes’ the media seem to attach to any mistakes that are made; far better than we may try to help than to be dumbed down by over control as has been the case. I think I talk of the bigger society here and I/we of LINKtogether co-op welcome the new government. I have enclosed copies of our latest paper for your attention where I mention this .

This letter and enclosures of our paper are to make you aware that you have ‘grass roots’ support here in Leeds. We are neither Conservative, Lib Dem or Labour in alignment but our thrust is with what is good for young people and the good of the UK. The coalition seems to be the way forward, especially with your ideas to make taking a job pay and be worthwhile. I had these ideas and published them many years ago but being on a very small scale and under a government that thought it knew best with no time to listen, of course they had little impact.

We have been around now for more than 3 years at 109a and develop ideas and ‘projects’ as we go along.

All best wishes to the Coalition Government and we hope to hear back from you in good time.

Sincerely,

John Broadhead and ‘the team’ at LINKtogether, 109a Roundhay Road, Leeds

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Coalition Government IS good for the UK

I looked recently at PM's question time. I detected a reduction in the jeering, booing and sarcastic remarks which have become typical of our parliamentary ssessions. I was pleased to hear the PM say ( as they discussed domestic violence),'Yes a clear message to offenders is neccessary - the last govt did make progress on this' - Here was a compliment to the efforts of the previous government. Also I detected a sense of fun in session. Very good Mr Cameron and Mr Clegg, with a more civilized discussion progress is possible.
Speaker John was shutting up the PM for repetition as he over used his popular insert 'the last lot left us with £85billion of debt'(p.); and later he admonishing the members 'you shouldn't shout at the PM in this way -it delays progress and is rude' Absolutely true and again signs of progress.
However an even greater freeing up of the ritual would be welcome. Opportunities could be available for the DPM to answer some questions; and genuinely interested membersof the public allowed to put their questions directly and easilly in an extension of this debate. Such a move would open up a truly democratic line to the man in the street and increase his interest enormously.
So our coalition can be good for the UK. It may stop party infighting, and work hard for the backing and concencsus of the people. Vital tasks face this government. Surely its first task is talk to the banks and make sure they play their financial part in in the rebuilding of our country. Otherwise, especially at SMB levels, there will be little or no profitable activity, much commerce will calapse and banks will collapse also, left without the clientel they rely on for their profits.***

Taken from LINKtogether Bulletin no 66 Autumn 2010

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Much needed small biz help - only in Scotland!

LINKtogether seeks to help small businesses to start
up with our Flexible Office Space and 'START UP'
Help scheme-- and what better way to do this than
remove business rates or reduce them.
It is BRILLIANT to see that in April this year the
Scottish Government with it's Small business bonus
scheme has done this very thing! LINK has
excerpted below from www.scotland.gov.uk/sbbs

The Scottish Government's small business bonus
scheme.
'From April 1, 2009 many small businesses will pay no rates.
From April 1, 2009 tens of thousands of small businesses will pay no rates at all under the
Scottish Government's small business bonus scheme.
You could save up to almost £4,000 a year, depending on your rateable value. An eligible
business property will save on average £1400 in 2009-10.
What's the catch? There isn't one! The Scottish Government wants to help genuinely small
businesses, particularly in the current economic climate.
Who qualifies? You may qualify if you pay non-domestic rates for properties with a combined
rateable value of £15,000 or less.
The savings band for eligible BUSINESS properties rates are - % relief available
Up to £8,000 -100% £8,001 to £10,000 ---50% £10,001 to £15,000 25%

The aim of this scheme is that small Scottish businesses
may survive in these difficult times. There will be obvious
advantages to local communities in the jobs provided
and experience made available, especially for young
people. To work in a corner shop is a starting point for a youngster,
they can meet and deal with people, handle money and stock
shelves. Here is an opportunity not to be removed. It seems
strange that the Scots , apparently not noted for financial generosity,
can see into the future and help their society in this way.
Strangely our English government has not noticed this brilliant move; is Scotland so far away from England? Perhaps we can circulate this information and help them to notice what's happened. I think once this small business bonus scheme and it's advantages are made clear a similar action will be quickly taken by Westminster.
Sadly our government simply plans to set 2010 business rates based on values
obtained in 2008, so increases are very likely. As if the credit sqeeze had no effect
and jobs problems for youngsters and small businesses did not exist. Pay up or go
down seems to be the view taken. Can we ask them A.S.A.P. to look at this?      

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HAPPIER TIMES AHEAD!

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Dear Reader, It is never my intention to talk the UK down – enough of the media is busy doing that already. Instead let’s look what went wrong and work hard together to put matters right.

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Already there is much material wealth in the UK. It is simply a matter of sensibly organisation to respond correctly to the new conditions.

‘Is it worth it! As individuals we can make no difference’ some may say . At LINK we believe it is possible to improve matters. Much of the difficulty we face is set up by unbalanced and deeply negative media. Toss this depressing stuff aside and our chance is much better.

Here is a personal snapshot. My 88 year old friend at the sports centre swims every week and plays golf five times. My carpenter friend works hard and often does not demand payment till you are ready to pay; A young lady I know works hard in the day and yet still has time to bring up her three children to a very good standard. An Ice Cream man who comes around not only sell his delicious ice cream but is ready to give a little away to any ‘needy’ children. There are so many people in society who are prepared to put in a bit more. It is well worth the fight to get back to normal life with security and hope – to LOBBY FOR A GOVERNMENT ( a coalition*, a Linking together of parties?) that sees the need for better conditions for business with much lighter restrictions and a tax regime that is affordable and fair. This way we may still see the UK’s recovery and happier times ahead!

*Coalition governments exist in many countries. A coalition government might also be created in a time of national difficulty or crisis, for example during wartime, to give a government the high degree of perceived political legitimacy it desires whilst also playing a role in diminishing internal political strife, i.e. All effort applied to the countries good rather than the usual fighting and squabbling.

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