Sandro Raniere

The decline of Hart is extraordinary This time last year i considered him the best keeper in the world Now he has turned into a hapless David James type figure

These days a lot of people seem to think having enough for a deposit is enough and that they can sit back and watch their wealth develop massively on paper, sure, that can happe but they are over extending themselves, far more sensible is saving for the deposit and having a contingency fund It is taking a gamble in the sense they are breaking away from the renting sector but it is stupidity to buy and over stretch yourself like many will do In 15 years time those that took a gamble and bought a house but didn't break the bank will be quids in, those that leapt straight in without any thought or money kept by for problems will have got their fingers burnt Well done to the first group, right thinking

Yet he lives in a country where the society is even more f***ed up than ours He lives in a country where the poor are denied access to proper health treatment, a country where out of work benefits stop after 2 years and you are left to starve, a country that the gap between rich and poor is by far the biggest on the planet Our society has problems but it is way less f***ed up and unequal as Americas

I would like to think that that is the reason but the cynic/realist in me makes me think he is just trying to protect his money from the taxman If he cares so much about the system and services then he should come back to UK and pay into the system Until he does then he is a hypocrite

The same Russell Brand that spends his time residing in LA to avoid taxes in the UK? At least bankers pay tax on their bonuses He raised some valid points but a tax exile has no serious right to lecture anyone

Like I could withdraw every penny I have in my accounts and sell all the shares I own and go down to a casino and put the lot on a roulette wheel, red or black Does that make me brave and ballsy? No it makes me a f***ing idiot who deserves to lose the lot

I don't see any double standard Taking risks in life does not mean being reckless and irresponsible

He was right though Using the Jobs motto it is better for someone to take a risk and buy a house, if it doesn't work out then shit happens and massive respect to them for taking the risk Someone who just sits on their ass and doesn't take the risk and ends up renting all their life deserves less respect Plus you overestimate the influence Gideon has, interest rates etc are out of his hands, they are set by the independent Mark Carney, one of the worlds most respected economists if not the most respected, he is no Osborne puppet

I think Steve Jobs said the following and I totally agree with him "it is better to aim high and fail than not aim at all and succeed" Sums up my thoughts on your post too It is better to give something a great shot and if it doesn't work out at least you were brave enough and ballsy enough to give it a go, and far more worthy of respect than someone who didn't take a chance and did nothing

It is up to people to live within their means and be responsible with money, if they are not then tough Someone taking out a mortgage should not just save for the deposit but save a further 6 months payment as back up for a 'rainy day'

Levy has promised AVB all the money from the Bale sale should he identify players that will take us forward so I think we can compete with our 5 rivals in the transfer market in Jan We have a pretty awesome bench too so i am confident we can be at the sharp end all season, winning the title is unrealistic but 3rd or 4th is a realistic prospect

Aah didn't know that But I do think as a country we share DNA with America far more than any other nation even though we are a part of Europe Most of our culture comes from America - music, tv, most brands, celebrity culture, compensation culture Our friends across the pond have home ownership hardwired into them like is the case in the UK

You misunderstood what i meant The East Germans of now united Germany were bought up under communism, i doubt home ownership was even allowed under Honecker so half the current united German population never had the ambition to own their own home thanks to communism, kids saw their parents working in the fields or whatever communists get up to, so they are decades behind the rest of the west in their mindset home ownership among the old West Germans i would imagine is comparable to Britain

We are getting a lot of our goals from midfield Paulinho, Siggy, Townsend for example are solid scorers this season, i would like to see more goals from the striker but we are grinding out results which is a good thing If i was to make a prediction now i would say 1) Chelsea 2) Arsenal 3) City 4) Spurs 5) Utd 6) Liverpool

Germany has had far different issues like integration with the old East Germany, half of what is now Germany was a couple of decades ago a communist state where there was no real ambition or right to own property under Honecker so half the German population were bought up under communism so its a different mindset I would say we are closest in attitude to America where home ownership is a real ambition for most

Its physically impossible to get everyone onto the housing ladder, unachieveable by any nation in the world, some people are just destined never to own their own property But with stuff like Right To Buy giving council house tenants the right to buy their property and Osborne's mortgage guarantee scheme home ownership is far more achieveable than it would be without the schemes

Do what it takes, longer shifts at work, less socialising, evening classes to better their job prospects, work hard and get promotions and pay rises or a combination of those, do what it takes to get the money to get that deposit to eventually end up on the housing ladder Renting is a mugs game, money down the drain, in many cases people are paying more in rent than they would by getting a mortgage

I don't see who will bang the goals in if Sturridge gets his regular runs of injuries and/or Suarez loses his temper again, plus Real are rumoured to be offering £55m in Jan which will be hard to resist

She bought her house for around 45k she said, houses in that street now sell for upwards of 850k I used her as an example that buying a house is a great 'long term' investment, sure there will be temporary slumps but people getting on the property ladder today will make serious money in 30 odd years time just like my aunt did when she bought her house (which she still lives in)

Another one for Tyron's £1 pot but my aunt bought a house in Hertfordshire in the mid 1970's, by her estimation and recent sales in her street the value of her property has gone up x17 in the time she has owned it, 1700% in 39 or something years Point me to where else she could have got that sort of return for her investment

By a temporary slump, the housing market is cyclical yes but as an investment over 30-40-50 years it is a licence to print money, buying a house is a long term investment People out to make a quick killing might get their fingers burnt but shit happens, long term they will be quids in if they are patient, by long term i mean decades

Liverpool will fade Sure they have had a good start but they have only played 2 teams in the Top 10 and lost to one of them, their position is inflated by the cannon fodder they have been up against Plus they are heavily reliant on a player with a bad record for injuries and a player with a bad record for discipline

I don't see what is wrong in people bettering themselves What is better? owning a property or handing over hundreds each month to some landlord? its a no brainer Without this scheme many people would be renting for years to come

The number of first time buyers is rocketing, every day the papers are full of mentions that mortgage approvals and property purchases of first time buyers are soaring so they are not being deterred by rising prices, more scrambling to get on the gravy train

Technically, my mother lives within 3 miles and I do stay there occasionally so I do live there sometimes, maybe 20 nights a year I know the Sandbanks area well though