The Mortgage Problem

The Mortgage Problem

I’m really surprised that this isn’t getting far more political coverage considering the number of people it affects.

The cost of mortgages.

We’ve another two Bank of England Monetary Policy Committee (MPC) meetings before the end of the year, both of which will likely result in significant interest rate increases to counter inflation. This will mean the monthly mortgage payment for people on standard variable rate mortgages, or those coming out of an existing deal and securing a new one, will be considerably higher.

Repossessions are going to increase, without a doubt, but what I can’t understand is why this isn’t getting more political focus……. It’s an issue that is going to affect millions.

I’ve already said before that once these homes are taken back by the banks, they are likely to stay in corporate ownership and rented back to people.

The future certainly isn’t bright….

ULEZ Contradiction

ULEZ Contradiction

I have friends that work a fair bit in London and have to pay the ULEZ (Ultra Low Emission Zone) charge, it currently sits at £12.50 a day. The reason for the charge is stated as follows;

“Toxic air pollution is the biggest environmental risk to Londoners’ health, and traffic emissions are the biggest source of toxic air in London.

Toxic air pollution increases your risk of heart and lung disease, worsens chronic illnesses such as asthma, and puts children’s health at risk. It’s not just a central London problem. Many areas across the city are exceeding the legal limits for pollution.

How the ULEZ helps air pollution

The aim of the expanded ULEZ is to help reduce harmful nitrogen dioxide by around 30% across London.

Many of those who travel in the expanded ULEZ have already taken action to clean up their vehicles and help clean up London’s air. More than 80% of vehicles are now compliant, which is up from 39% in February 2017 when plans for the larger area were first announced.”

This sounds like a great idea, and definitely seems to be bringing some benefit, and a shit ton of money in for Transport for London (TFL).

What I don’t understand is that many of the boroughs that my friends work in have onerous parking restrictions. In some, the maximum stay is four hours, and in others only two hours. At the end of the period, you are not allowed to renew the parking in the same bay, therefore you have to physically move the vehicle to another bay and pay again. Often there are no bays nearby and this means driving around in circles to find another space before parking up, paying and starting the cycle again.

Am I missing something? Doesn’t this mean that a load more carbon dioxide and nitrogen oxides are being unnecessarily emitted? Surely it would make more sense to allow a straight eight hours parking in the same bay, this would mean that people working at addresses within the ULEZ would be able to concentrate on doing their job rather than shifting their vehicles and creating a load more pollution? Also, the additional benefit would be that the customers would end up paying less because the trades would not be clock watching for their parking and spending a chunk of time every couple of hours driving around the block.

Don’t Pay UK Being Kerbed by Government

Don’t Pay UK Being Kerbed by Government

As per usual, I’ve been meaning to post this for a fair while, but August has been a very busy month.

There’s a movement called Don’t Pay UK that are calling for a reduction in energy bills to an affordable level in anticipation of the price cap increase next month. They are trying to get 1mn people together to pledge not to pay their bills by the 1st October 2022. As of today’s date, they are up to 187,000 members.

This movement has been gaining ground over the last few months, and towards the end of July 2022, the government announced £400 of support from October payable in six monthly payments. How you get the money, depends upon how you pay your bill. Yeah, the operative word is pay. If you were to cancel your direct debit, you don’t get the help.

The £400 is a drop in the ocean when you consider the energy cap increase of £1600/year for the average family.

You can tell that the government is getting panicked by introducing this measure. The population is getting increasingly belligerent of late, and they (Government) are having to make lots of changes to keep everyone in line. I would imagine their biggest fear is that everyone starts pulling together and turn on them.

More evidence that they really don’t have our interests at heart, all they are doing is controlling by doing the bare minimum in order to keep everyone in line.

And The Consumer Rip Off Gathers Pace

And The Consumer Rip Off Gathers Pace

Inflation is increasing, meaning that month on month, prices for everyday goods and services that we need to live are increasing. Many people are finding that the wage that they receive is buying them less goods and services, and that each month they have less money left over, if any. But why are prices increasing? What’s happening?

Here are couple of ideas;

The energy sectors profits have escalated due to their pricing, the first company that springs to mind is BP. Between April and June of this year, they made nearly £7bn of profit. That is their second highest profit on record. Pretty much, all of the other energy companies are doing the same. And they’re sending a lot of these billions of profit to their shareholders. In a nutshell, the price that you pay for petrol and diesel, gas and electricity are linked to companies like BP. That’s why your fuel, gas and electricity are getting so expensive.

An interesting statistic is that according to experts at the UCL (University College London) and LSE (London School of Economics), over the last 50 years, the oil and gas industry globally has delivered £2.3bn a day in pure profit. It was put that the industry could have the power to “buy every politician, every system”. It may give an idea as to why we are where we are financially, and environmentally.

The thing that is particularly sickening about BP is the fact that it used to be owned by the UK Government, but was sold off in 1979 for £7.25bn. Imagine how all of that profit since could have been retained by the UK Government and used to reduce the tax burden on us all. Or even reduce our energy bills. It was sold for a song.

The energy sector profits are so obscene, the UN Secretary General, Antonio Guterres referred to them as ‘immoral’ and stated that they were ‘being made on the back of the poorest people and communities and at a massive cost to the climate’.

That’s one big chunk of the inflation problem.

In UK, the majority of households use a supermarket for their day to day groceries. The big supermarkets have been doing particularly well, take the ubiquitous Tesco, for example. To the year end of February 26th 2022, their pre-tax profits trebled from £636m to £2.03bn. Every little helps, right? Well, a lot helps them. A lot. Another chunk of the inflation problem.

Still on the supermarkets, this time petrol prices. Last week, the RAC said said at the start of the week, the average petrol price at the big four supermarkets, Tesco, Asda, Sainsbury’s and Morrisons, was £1.74 per litre. Diesel was £1.86. Meanwhile the average for the delivered wholesale petrol price last week was £1.24, while diesel was £1.38.

After factoring in VAT, fuel duty and a “generous” retailer margin of 10p per litre, the RAC said “forecourts should soon be selling unleaded for no more than £1.62”. A couple of weeks later, here we are, it’s still not happening.

There’s a recurring theme here, prices are up, profits are up by record levels for the big companies. In fact, there was a brilliant segment on the Jeremy Vine Show in July where Eddie Dempsey from the RMT (you can watch it here) pointed out that the FTSE 350 top companies profits have gone up by 73% since 2019. To use his phrasing “The people at the top of the economy, they’re having a disco, and everyone else is being told that they’ve got to tighten their belts and carry the can. It’s not on”. Quite.

So, the main drivers of inflation are summarised above.

Back in February 2022, the Governor of the Bank of England Andrew Bailey said he wanted to see “quite clear restraint” in wage demands from employees to prevent an inflation spiral. I guess what he was saying was okay, prices are increasing, but hey, just suck it up and put up. In the meantime, UK households are taking an enormous financial hit, probably the biggest for almost four decades.

As I’ve blogged before, Andrew Bailey earns £570,000.

Any wage increase you’re going to receive is unlikely to make a difference to the inflation figures, only to your ability to be able to afford to live, or even exist.

Britain is broken.

Water Doesn’t Work

Water Doesn’t Work

In the South of the UK we have a drought, we have hosepipe bans. The provision of water is a complete mess, we’re all being told to conserve water, and that we can all do our bit. The BBC are currently running a headline “England Drought: Everyone Must Rethink Their Water Use, Experts Say”. Unfortunately, they haven’t opened it to user comments, instead, on their news homepage, the only article listed as being open for comments is “Forest hold on to beat Hammers as Rice Penalty saved”. Really. They avoided allowing users to have their say regarding “Saudi oil giant breaks profit record with $48.4bn” or “Postcode search: How will climate change affect your area?”. Even “Green spaces across England parched in the heatwave”. No comments allowed.

Locally to me, Southern Water discharges raw sewage into the sea at will without challenge or penalty, without making public announcements very clear. It’s the height of summer and bathers are becoming ill, then realising that something is wrong with the seawater, then are making enquiries only to be told by Southern Water that “have a look at our app”, here’s one account; Couple who swam in sea at Herne Bay after nearby Southern Water sewage release suffer sickness and diarrhoea (kentonline.co.uk).

I thought that they were only supposed to discharge sewage in the event of flooding and we’ve not had any rain for weeks…..

On average, across all of the water authorities, they lose somewhere in the region of 20% of the water they collect; they lose billions of litres of drinking water every year due to their lack of investment in maintenance and infrastructure. They have dividended their shareholders somewhere in the region of £20 billion since 2010, and are still ripping the backside out of it to this day. They are saddling their companies with an awful lot of debt too, which is an extremely curious phenomena.

Rather than landing the consumer with the burden of water shortage by asking them to restrict their usage, maybe the impotent regulator (OFWAT) could turn its attention to the elephant in the room. Namely the problem caused by decades of profiteering and dividending, lack of investment, climate change (would that really be a surprise to you if you were in the business of supplying water, no? Well it certainly is to our water “authorities”), and an absolute contempt for the consumer, and for the environment.

The interesting thing here is that when you look on social media, and particularly The Daily Mail articles and subsequent user comments regarding the drought, even their normally pro-privatisation, pro-government die hard supporters are turning against them. Here’s a couple of the top rated comments that basically sum up the issues that we are facing;

I blame lack of investment in infrastructure and pure greed on the part of the directors. Modern infrastructure should be able to withstand dry weather ffs.

In answer to the headline “Water leaks DOUBLE during heatwave with firms blaming underground damage caused by earth drying out as drought continues to hit UK supplies 

Funny how gas mains haven’t been bursting all over the place despite routing through the same dry/heaving soil. Water companies have diverted our money to their management and owners pockets instead of investing in new pipes. BT invested in new network whilst being forced to cut their prices – how come Ofwat lets water companies put prices up without similar investing – incompetence or something else more ‘iffy?

Ouch.

How about these top responses to the headline “£3bn bonanza for fat cats: How investors (including the Chinese) took out cash that firms could have used to fix Britain’s creaking water network”

Its called Selling England by the pound, and its been going on for years and years. Hardly news

and;

To be fair this wasn’t a privatisation as there is zero competition – it was a sell off of state assets. The companies have continually failed to plan for the future and have acted short term in the interests of their shareholders. Renationalising them at enormous cost isn’t the answer I’m afraid – what they do need is new laws to oversee exactly what they do and how they operate and that they serve the consumers and the country failing which they should pay huge penalties.

That sort of brings me to a conclusion.

I can’t see that the government and the regulators are going to bring the water companies to heel, so that leaves another option; re-nationalisation. That could explain why the companies have been pulling so much money out and saddling themselves with debt. The good old UK taxpayer picks up the debt again.

A decade ago, I would have considered this situation impossible, but, looking at it now and if you look at the way that our government has spent our money over the last three years….. watch this space.

One question to myself…. how long do ‘they’ seriously think that they can get away with this? By this, I mean the transfer of money from the less well off to the incredibly rich in terms of overcharging for water, fuel, energy, food, all of the basic essentials required to exist. This last three years has seen the biggest transfer of wealth from the working classes to the rich that I’ve ever witnessed.

Something has got to give.

Fitbit Charge 5. Why I’ve Run Out Of Patience

Fitbit Charge 5. Why I’ve Run Out Of Patience

In the middle of March this year, I decided I’d been living a healthy lifestyle for long enough to warrant buying a fitness tracking watch to take me to the next level. As is often the way, things deteriorated very shortly after buying the device that I settled upon, but that is a different story.

I’d looked at everything out there and I’d previously owned a Samsung Gear S3, but didn’t want another phone on my arm, instead I wanted to go for a device that its core function was to be a fitness watch and that could track my sleep also. Reading reviews, I settled upon the Fitbit Charge 5. I’m sort of regretting it now. Everyone I’ve detailed this account to has found it amusing, I just found it completely frustrating, and I am just getting the energy together to contact Fitbit to see if they can help. It was easier for me to have a moan here first.

I got the device in March, I loved it. Small, smart, good battery life, within a couple of weeks of getting it, I cracked a rib training which immediately restricted me. Typical. I wasn’t able to do what I had been used to and lost faith.

Now, shortly afterwards I had a bad day and was sat there in the evening and had a hankering for a KFC, so got into my vehicle, started it up and noticed my step count. I then sat on my ass, drove there, drove through, stuffed my face and drove home. Just before I got out of the vehicle, I checked my step count. It had increased by 158! You’d think it would have known that I was driving from a mix of the accelerometers and GPS, but the smart watch is apparently not that smart.

In early June I had a stinking cold and fearing I had COVID, I started paying attention to the Fitbit’s sp02 reading; this is where it’s supposed to measure your overnight blood oxygen level. At one point, it was showing my previous night had been 91%. According to those more qualified than I, that should mean that I’m in a hospital on oxygen. I just did a quick search; “In a patient with COVID-19, SpO2 levels should stay between 92%-96%. Low oxygen levels that drop below this threshold require medical attention, as it can result in difficulty breathing and other serious complications.”

I was unwell, but would have been fine to jog, and exert myself, so I feel that it is safe to say that the reading of my sp02 supplied by the Charge 5 is incorrect.

And now, the final straw, remember, a smart watch, or a fitness watch is precisely that. As a watch. Its primary function is to tell the time. This is where my Charge 5 is not playing ball…..

I went on a short break last week, and as soon as the Charge 5 synced with my phone which had automatically updated to the holiday time zone, it was also showing the same time. Wonderful.

I get home yesterday, my phone automatically updates to the new time zone, wonderful, I sync my Charge 5, it is still showing holiday time. So far, I have followed all of the guidance;

  • Re-sync
  • Change time zones on phone, then sync, then change zones to correct one and then sync.
  • I’ve upaired the Charge in Bluetooth, and paired again, and synced again.
  • I’ve uninstalled and reinstalled the app, unpaired in Bluetooth, put it all back together again, and synced again.
  • Restarted the Charge and synced.
  • Pulse restarted (charge device, then press the button located on the flat end of the charger 3 times, pausing for 1 second between presses. Then wait 10 seconds or until the Fitbit logo appears), and synced.

So, after all of that, after every change, every sync, it is still showing holiday time. AND THERE IS NO WAY TO MANUALLY OVERRIDE IT! A WATCH THAT YOU CANNOT SET THE TIME ON!

Aaargh! Right, I’m going to message customer support, I’ll post the outcome.

Ninja Chicken vs Fox

Ninja Chicken vs Fox

I’ve mentioned previously about the fox visits my chooks have been receiving. The CCTV system that I have is movement triggered and I have it set to record between 10pm and 5am. I’ve been leaving them out overnight and they can be pretty restless, so I have hours of footage to wade through and am now not bothering. Last night was a warm night, so I left all of the doors and windows open and around 4:30am this morning, I heard a commotion. I went to the door and I could see the fox outside the chicken enclosure so I chased him off in the same manner as I have done on the previous occasion.

In my last post about chicken and fox interactions, I was left wondering if one of the chickens was goading the fox, I think I now have the answer. I’ve never seen anything like this before. There is one chicken in particular that has a taste for fox, and I actually feel a little sorry for them (the fox!).

Meet Ninja Chicken

Ninja Chicken on the offensive….

Ninja Chicken wants to play some more!

This is most bizarre, as I said before, I’ve never seen anything like it, but that Ninja Chicken has some balls…. I know that it’s a she, but you know what I mean. The hens all look the same, so I cannot differentiate between them, but there is one that is far tamer than the others, so I am going to guess this is her.

The Chicken Enclosure

The Chicken Enclosure

I’ve posted some video of the fox getting interested in the chickens, but I’ve not really shown the enclosure.

It was made by Force 5 Engineering Ltd in Faversham, www.force5ltd.co.uk. It’s made from tubular steel with infill weldmesh panels and has a galvanised finish. The thing is a bit over-engineered and was referred to as the gorilla enclosure by the guys that made it. If you were locked in, you probably wouldn’t be able to get out of it.

Initially it didn’t have a roof, but I decided one was required as I had seen foxes in the garden regularly and didn’t want any nasty surprises. About ten years ago, I kept chickens at a different address and the fox found his way in and destroyed four chickens and two ducks…. it was heartbreaking. The roof is made of the same weldmesh material and is supported midway with a piece of steel angle section.

Here’s a couple of pictures of it :

The tube is 42mm diameter, the weldmesh is 2″ x 2″ 10g, and the finish is hot dipped galvanised.

As mentioned on an earlier post, the hen house was gifted to me by Steve and Sam, it was in pretty good condition and just needed a few extra screws and a coating of creocote and it looked as good as new.

I’ve pimped it up a little, the black chest to the front of it houses a couple of sacks of layers pellets and mixed corn. There’s a bag of shavings and straw for the bedding.

As the enclosure is at the bottom of my garden, a fair way from the house, I didn’t want the grief of running cables, so all of the solutions are solar and wireless.

There is a solar PIR floodlight which I picked up for £30 in a sale at B&Q, I think it was an end of line, I’ve just cable tied it into place pointing towards the bottom of the garden where the fox appears from. It’s pretty bright and has the usual array of adjustments on it such as sensitivity, duration and light level for trigger. There’s plenty of similar out there.

Solar PIR Floodlight

I’ve added a solar powered PIR ultrasound critter scary thing which I saw in Lidl for £12. It has a setting for sensitivity and you can select the type of critter you want to deter; birds, rodents, cats and dogs, and of course, foxes. The idea is that then the PIR is triggered, it emits a high frequency sound that is normally inaudible to humans and is supposed to deter critters. It seemed to work on the fox for the first couple of days and then it didn’t. Oh well, only £12…

Ultrasonic Solar Powered Critter Scarer

And finally, the gadget that I really like is the Reolink Argus 2E. I wanted to keep an eye on the chooks when I am away and make sure all is well. I work fairly close to home, so it is pretty easy to get back in a hurry if needed.

This CCTV camera is wireless, solar powered, records in 1080p, takes an SD card, has an infra red light so it can record in the dark. It has a microphone and a speaker, so if you were minded to, you could have a chat with the chickens (I have a relative that I have given access to the camera and they regularly drop in to view the chooks and she quite often chats to them!). I have it set to record any movement between 10pm and 5am to the SD card so I can review if required. All of the footage posted on here is from this camera. I think it’s absolutely brilliant, I don’t know how it will fare in the middle of winter when there is very little sunlight, but currently it reports that it has 100% power throughout the day, and by the time I get up in the morning, between 4 and 5am, it’s reporting around 95%. This is even on busy nights where I’ve left the chickens out and they are roosting on the house roof and are restless. As soon as it gets light, it’s back up to 100% in no time.

Everything is controlled by an app on the phone and it is surprisingly slick, I’ve not found it limiting at all, which is unusual. I think that they’ve pretty much nailed it. It was on offer on Amazon and cost just short of £70.

Reolink Argus 2E Solar Powered Wireless 1080p CCTV Camera System

As I mentioned before, the roof is the same material, galvanised weldmesh, and shortly after installation I had some pretty heavy rain. The house and some of the bedding got a bit wet and the enclosure got really yucky. A friend of mine was disposing of a childs trampoline, so I repurposed this and used it to hold a folded tarpaulin into place and cable tied it to secure it.

Enclosure roof – a tarpaulin held into place with an old trampoline cable tied into place
Fox vs Chickens

Fox vs Chickens

Over the last couple of weeks or so I’ve been leaving the chickens to their own devices overnight. When they first arrived and dusk fell, they’d roost on the roof of the house. Each night, I’d walk down and lift them off and pop them into the house and lock the door, and let them out again in the morning.

In the following video, the chicken awkwardly hops off the roof of the house (I’m going to get some sort of ramp or ladder for them). Now, the timing is interesting, I have a feeling it already knew that it was being watched by the fox and was trying to goad it. Have a look at this behaviour – it is in complete contrast to the last video I posted of the chicken/fox interaction;

Is the chicken goading the fox?

As you can see in the next video, the chicken isn’t bothered in the slightest. I think I’ve missed some footage over the last couple of weeks, this looks a little rehearsed to me.

Chicken not bothered at all by the fox.

And finally the fox goes on his way realising that there’s no way in and that the chickens aren’t in the slightest bit bothered.

Bye bye Fox……

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