Archive for May, 2010

Austerity – Part 2

Sunday, May 30th, 2010

http://www.citywire.co.uk/personal/-/news/markets-companies-and-funds/content.aspx?ID=402980&re=9579&ea=148984&Page=1

Government debt has been soaring.

At £156.1 billion the gap between income and what the UK government spent this year is higher than in almost any other country in the world – including the southern European countries that sparked recent market worries.

Total government debt – at £893.4bn is around 62% of GDP and is widely expected to climb – possibly close to 100%.

More government money is spent on interest payments each year than is paid on the NHS or on the police.

With tax receipts falling and the cost of welfare rising, the recession has made it increasingly difficult for the UK to balance its books. 

Anyone in debt knows there is a level at which the cost of borrowing rises so high that it becomes almost impossible to bring borrowing back down.

So that’s the backdrop and that’s the state we are in.

George Osbourne is worried that the markets will go out on the attack on us in the same way that they went out on the attack on Greece. It is still possible. But we’ve got some key advantages over Greece, namely a more flexible labour market, an exchange rate that can be devalued, and debt that is due further out.

Osbourne is going to want to show the markets that he is being decisive.  He will be terrified of a downgrade. That’s why I expect some major cuts in the forthcoming budget. Some of it will be in no brainer areas (eg benefits and public sector), other parts will be in areas that will affect the middle classes. Expect to be  squeezed. Austerity, we’ve not even seen the start of it yet ……

CGT – trigger for a housing crash ?

Friday, May 28th, 2010

Last recession it was the withdrawal of MIRAS that triggerred a housing downturn. This time around it could be increases in CGT.

The new government are publishing a spending review in June. They are commited to equalising income tax and capital gains tax.

So let’s take an example and imagine you have a nice little buy to let empire, you are sitting on gains of £200k and the  current rate of CGT is a flat 18%. You know you can sell up and you will be liable to £36K in capital gains tax and keep the rest as your own personal profit.

There’s a lot of uncertainty around what is going to happen to CGT. But say the government announce that from April next year that will change to 40 or 50%.  Potentially your tax liability on your gains in the example I’ve given will  increase to £80k or £90k. Then you have a choice. What would you do in the interim ?

I always thought it would be interest rate increases or unemployment that pricked our housing bubble - but this certainly won’t help.

Can you fault my logic ?

Clear Sell Signal

Thursday, May 27th, 2010

http://news.bbc.co.uk/1/hi/business/10168684.stm

<i> Apple has pushed past arch-rival Microsoft to become the world’s biggest technology company. Changes in the share price values of the two in Wednesday’s choppy trading left the total value of Apple at $222bn (£154bn). Microsoft is now valued by investors at $219bn.

However, Microsoft still enjoys higher profits than Apple. Its most recent annual net profit was $14.6bn (£10bn), compared with $5.7bn for Apple. </i>

So even though Microsoft is making almost three times as much profit as Apple, Apple has a higher market capitalisation. Doesn’t make any sense to me.

The Age of Austerity

Tuesday, May 25th, 2010

So there we have it, the first set of cuts in government spending. George Osbourne has saved £6bn by cutting child trust funds, saving on IT projects, quangos, lower grants to local councils, back office efficiencies and some training programs.

The Independent has a very nice visual today which compares the amount that will be saved against the mountain of UK debt. The conclusion is that these cuts are relatively trifling.

Things are going to get a lot more austere than this. The first emergency budget is 4 weeks away, and then there’s the autumn spending review which will set the pattern for spending over the course of the parliament. And the government wants to be seen to be taking decisive action to avoid being attacked by the markets in the same way that Greece has been.

But how did we get to this point ? I can point to 4 key things that have pushed our finances to this point and for which ordinary people are going to have to pay the cost

1. Iraq

2. Afghanistan

3. Bank bailouts

4. Gordon Brown’s largesse in support for his voter base in Labour regions

Having been chancellor before he was PM, Brown’s responsibility is very clear. Don’t the public at least deserve an independent review of how we got here ?

Words Fail Me

Friday, May 14th, 2010

So apparently the big, blue wobbly thing is much bigger than the big, black, dirty thing on top of it. Glad we got that straight.

http://www.guardian.co.uk/business/2010/may/13/bp-boss-admits-mistakes-gulf-oil-spill

Capello – Has he picked the right squad ?

Tuesday, May 11th, 2010

England’s 30-man provisional squad for the World Cup finals:

Goalkeepers: Joe Hart, David James, Robert Green.

Defenders: Leighton Baines, Jamie Carragher, Ashley Cole, Michael Dawson, Rio Ferdinand, Glen Johnson, Ledley King, John Terry, Matthew Upson, Stephen Warnock.

Midfielders: Gareth Barry, Michael Carrick, Joe Cole, Steven Gerrard, Tom Huddlestone, Adam Johnson, Frank Lampard, Aaron Lennon, James Milner, Scott Parker, Theo Walcott, Shaun Wright-Phillips.

Forwards: Darren Bent, Peter Crouch, Jermain Defoe, Emile Heskey, Wayne Rooney.

Bigoted Man

Monday, May 10th, 2010

gordon-brown-450-818796933

Gordon Brown : Complete failure. Discuss.

Political Map of Britain

Sunday, May 9th, 2010

England – Conservatives 297 seats, Labour 191, Lib Dems 43

Scotland - Labour 41 seats, Lib Dems 11, SNP 6, Conservatives 1

Wales – Labour 26 seats, Conservative 8 seats, Lib Dems 3, Plaid Cymru 3

Has the United Kingdom ever been less united ?

I Agree With …

Wednesday, May 5th, 2010

There’s 24 hours to go and so far there’s been no politics on this blog at all since the General Election was called. I’m hoping that’s because all the contributors (hard-working families, blah blah blah) have been busy rather than for any more dubious reason such as apathy.

So I thought it was time I tied my colours to the mast. Let’s start with some stuff I wholeheartedly agree with.

http://www.stephenfry.com/2010/05/04/how-i-will-vote/

Yes, he’s an awful luvvy, but he’s a pretty smart luvvy and always (IMHO) has something interesting to say.

Of course, it also goes without saying that I will be Voting For A Change. It’s a no-brainer in my constituency, with an MP up to her neck in dubious behaviour with regard to her expenses, although the final straw for me was when she promised to do something about the disgraceful Digital Economy Bill and then just, you know, couldn’t actually be bothered to turn up to the debate itself.

Finally, a couple of things that I broadly agree with but I feel slightly uneasy around the edges.

http://www.progressiveparliament.org.uk/

This alliance seems generally sound but, for example, I worry about the way that concern for “the environment” just means more droning on about AGW.

Last but not least, I was surprised to be broadly in agreement with Anatole Kaletsky in The Times this morning. I’m worried about this, because normally I think his opinions are the most awful tosh.