What would happen if nobody, and I really mean nobody, actually voted. It wouldn't be what you'd call a mandate from the people now would it.

If everything works out according to plan, I shall be able to vote for me.

the Govt of the day would still remain but a new election date would be called
if after a second round of no voting the Govt of the day would hold power until the next election
that could be upto 5 years away, not voting is not an option …

Indeed. Hence why I make every effort to vote (well, for important things like elections not the x-factor and such like) whenever the opportunity arises.
IMHO if you don't vote you have no right to complain if you don't like the outcome.

Not voting is not an option because you will still have the die hards who will vote for their party, In fact by not voting you practically guarantee BNP getting a few seats. the best option is everyone voting and even if they are protest votes you will show that the main parties need to change.

Or the tories who started it off. And it's not just us who are in this mess it's the world. The main reason we are susepable to the fall is the expansion of personal debt in this country which should have been legally limited to 4 times a persons salary for all personal secured debt and 1 times for non secure (so anything not backed by a business plan)

Liberal is the way to vote not the BNP like steven rogers thinks it is sensible to tout.

Edited for accuracy.

Anyone who thinks that the BNP will somehow be a protest vote, or will be some miraculous wake up call for regular politicians is living in cloud cuckoo land, suffering some some form of naïve delusion or is a genuine blinkered racist who would rather “put the boot in” than work towards a genuine solution to our woes.

The BNP is a racist party. It has a history which can be traced back to the British Union of Fascists via the National Front and its various satellite offshoots.

http://en.wikipedia.org/wiki/British_National_Party

http://en.wikipedia.org/wiki/British_National_Front

Don’t let this deceive you. This is a paper exercise.
http://news.bbc.co.uk/1/hi/uk_politics/8514736.stm



Not necessarily so. I feel that UKIP are about as dangerous and as blinkered in their outlook as the BNP. I put both of them in the same box. UKIP is a soft, velvet-coated flavour of popularist xenophobia. While the BNP are, at least pretty honest and obvious about their policies, UKIP are a more careful in what they say and when. However, every so often, the veil slips : http://news.bbc.co.uk/1/hi/uk_politics/8464124.stm - to me, this is a warning shot. I feel that they are far more odious than they appear to be.

Anyway, don’t worry - when the Tries come in, these two parties will no doubt gain in their popularity, and may well feel that they have more of a chance and real government.

I think that the limit for mortgages should be limited to 3 times earnings and the same level for joint mortgages but based on one income. They should all be based on repayment mortgages. There should be a ban on any other type of mortgage, as endowment mortgages have already show to have imploded, the same will happen for pension mortgages. Interest only mortgages are high risk for the banks and they should not be supported to make risky loans.

The government should represent the will of the people, so if someone wants to vote BNP then they won't get any complaints from me, even though I would never vote for them myself. At least Steven appears to have thought about it which is much better than compared to the many who were born into a party, or who can't see bias in the media and therefore vote how they are told to.

They will have to be able to justify themselves to those who fine the whole racist morass of the BNP abhorrent in a civilised society.

Fair enough yea.

If I read you right its the same mortgage for single as a couple which I don’t see any logical reason for.

e.g say I earn £30K then under your rules I could get a £90K mortgage
IF I want to live with SWMBO who also earns £30K I can still only have a £90K mortgage
The “old rules” (before things went OTT) was 3x main and 1 x other so in the above example we could have a £120K mortgage
This is reasonable I think as as a couple we would generally want / need a bigger place than I would need as a single person (extra shoe space if nothing else)
Also most of the bills are the same weather you are single or a couple (utilities etc)

Yes but remember people also want a home that can be afforded by on income should one decide to stay at home for a while. There could be some small allowance for the second income, but the homes over the very long term have never strayed far from 3 times the average wage, until the last twenty years. Also if you had a maximum loan to value of 80% it would mean that people would have to save for a deposit. Second homes and buy to lets should also be maximum loan to value of 50%. This is to stop sharp property falls creating panics. It would also reduce the losses for banks, and would stop such buyers bidding up the prices for first time buyers.

That’s an individual decision and we should not try and social engineer that. A couple need to realise that that might happen and make allowances.

Now thats a different argument and I agree that there should be a “reasonable” min deposit – of between 10% -20% and I would ban 100% + mortgages

Nice idea but harder to enforce – I buy a house – say 80% LTV then move out – rent it and SHMBO buys a house – LTV of 80% and we live together - neither of us has a “Second house” and

Second Homes are only an issue in some areas 9 Parts of the SW, popular weekend holiday areas etc. After all a good rental sector is needed to allow mobility and also go give couples time to save that 10 – 20% deposit you want above
One possible way re second homes ( and could only really be done with new houses) is that if a new house is built it can only be sold to someone who has lived in the area for a min of X years ( say 10) and that it can only be sold on at a later date with the same conditions.
The Channel Islands use this scheme

It seems that you are still wedded to the idea of a home as investment. Watch out things will get very nasty in the next three years and that mortgage will be a millstone. Rising house prices my A**e they are being held up by cheap money and hope, once that ends the fall will wipe out the home owning dreams of millions.