A take apart of Rishi Sunak's interview with Nick Robinson.Â
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A take apart of Rishi Sunak's interview with Nick Robinson.Â

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đ°đ°đ° My latest article for @breathenews, examining the reasons why renting is on the rise for the over 40's. đ°đ°đ° #breathenews #writer #economics #generationrent #politics #opinion #housingmarket #generationX Link in bio
Case of the Gen X: Why Renting is on the Rise for the Over 40âs Generation X, or Gen X, is the demographic cohort following the baby boomers and preceding the Millennials. In the 1980s, it would have taken a typical UK family three years to save for an average-sized house deposit. Today, it would take around nineteen. This startling statistic can go some way to explaining why the number of families paying private rents is on the rise, not only for twenty and thirty-somethings but the over-forties as well. Weâre talking about Generation X, another one of those terms we use to define people born within a twenty-year period. The problems facing Millennials are well documented, but Generation X hasnât had the same level of attention. However, their circumstances are becoming more evident now that they are moving into their forties, without home ownership amongst the Xâers rising as hoped, or expected. Itâs useful to note here that there has been a steady trend towards private renting over the last few decades. The full statistics for the proportion of households in rented accommodation, at the age of thirty, can be broken down as follows: Baby-Boomers (1945-1964): 1 in 10 Generation X (1965-1980): 2 in 10 Millennials (1981-1996): 4 in 10 The number of private rents has been doubling with each generation. Interestingly, this trend seems to be flipping for the under twenty-fours age bracket, because so many are, quite wisely, living at home for longer to save money. One interesting fact: Did you know that half of parents of those aged twenty to thirty-five do not own their own home either? So it looks like the next generation might be learning valuable lessons from the experience of their parents. Time will tell whether their efforts are in vain. There are market forces at play here, with the triple whammy of rapid house price growth (pre-financial crisis especially), stricter lending rules, and weakened income growth since the downturn in 2007/8, as well as high rental costs making it more difficult to save. There are potentially severe and long-term consequences of this trend, likely costing the state an extra ÂŁ3.2bn in social rents by 2060, as the decrease in homeownership begins to have more of an impact on the welfare system. We are witnessing a particular set of demographic circumstances play out here. The Xâers and millennials spent longer in education than their predecessors. Overall participation in higher education increased from 3.4% in 1950 to 8.4% in 1970, 19.3% in 1990 and 33% in 2000, meaning the later generations will have spent less time in the workplace, and had less chance to save, by their early 40âs. Also, the younger generation is waiting longer to have children, a significant consideration for people deciding whether to begin the process of buying their own home. However, saying this, the number of households with children renting has tripled in the last thirteen years, suggesting many parents who would hope to buy are not able to do so. Rising house prices, stagnant wages and a lack of social housing are all combining to reduce the opportunities for people to buy their own home. The difficulties are widely acknowledged. If the proportion of renters increases, or continues at the same level, legislating to make renting a fairer and more secure option will need to be passed to keep pace with societal change. If we arenât going to introduce more comprehensive measures to help people get on the property ladder, then renting should be made a more viable alternative. We could start by making tenancies more secure, and a better long-term option. Much of Europe is way ahead of us on making renting desirable, and the UK having one of the highest housing cost to income ratios in the union only exacerbates the problem. The shorthold tenancy act of 1988 reversed many tenants rights in the UK and made it much easier for landlords to evict. We could solve this problem, and the unchecked rise in rental prices could also be calmed, by linking rents to inflation for a period, with a re-negotiation once that period passes. Giving the reassurance of a longer tenancy and the knowledge that the cost of rent will not suddenly be increased. Also, we simply need more housing, including social housing, to reduce demand and bring prices down. There is no overnight fix for the housing problem. No one size fits all solution. However, without a serious attempt at change, the trend of housing uncertainty facing so many young people will continue to haunt them into their later life.
Falling in love with Whitechapel all over again
Whitechapel is a vibrant, multicultural district in the East End situated in the heart of the city. Home to many artists, designers, musicians, fashion designers, itâs rich and diverse history mixed with with an eclectic scene makes Whitechapel one of the most buzzing places to live in London.
Whist most associate the area with dark stories of Jack the Ripper, the Salvation Army was started on Whitechapel road by William Booth in the 1870âs. Ironically Boothâs community work was conducted outside the same very pub (The Blind Beggar) that notorious gangsters, the Kray twins would wind down in after a hard day's work. Â
Whitechapel couldn't be more more connected if it tried, with the city on your doorstep, and Shoreditch within a stone's throw. It is an excellent location just 5 minutes from Whitechapel Underground and Overground Stations and Shadwell DLR. Â Bethnal Green Underground Station, Brick Lane, Liverpool Street, Hackney and Shoreditch are within a short walking distance. The area is served by the N253, N205 and 25 night buses coming from Hackney, Soho/Holborn, Shoreditch and Old Street which are very convenient after a night out. It is an excellent location for anyone who works and wishes to explore East and Central London on foot as well as cycling, with the Cycle Superhighway 2 connecting direct to Stratford and the City
The area is within a short distance from Spitalfields Market, Columbia Flower Market, Shoreditch, Broadway Market and Old Street for exploring after work and over the weekends, and on your doorstep you have Whitechapel market for a truly diverse and vibrant shopping experience, and catch a film at your local arthouse cinema Genesis showing blockbuster and independent films.
For foodies, or anyone who enjoys eating, head to legendary and local favourite Punjabi Restaurant Tayyabs. BYOB and has been featured in Time out, every year since its humble opening in 1972! For craft beer, burgers and shakes, Dirty Burger/Chicken Shop is excellent, and even has a bring your own vinyl policy. For the best Coffee, that is independently run and hand roasted on site, go to Exmouth Coffee Company on Whitechapel High street, they also serve an impressive selection of homemade cakes, salads and sandwiches.
For art lovers, just a short walk away, Whitechapel Gallery Founded in 1901 to 'bring great art to the people of the East End of Londonâ shows some of the most exciting exhibitions in London complete with a fantastic book shop, archive room and cafĂ©. And tucked away just off Cambridge Heath Road in Herald Street, there are many more contemporary art galleries for you to choose from.
And if the hustle and bustle gets too much and you crave some local greenery, Weavers Fields, Bethnal Green garden, Museum Gardens and Stepney Green Park are all a short walk, and not forgetting East London's best open space, Victoria Park being a short bus journey away.
If all this doesn't make you want to move to Whitechapel today, watch this space for a more in depth look into the offerings of the eclectic East End district.
âWe used to talk about buying a house like one of these, an old big house, fixing it up. We would have a garden, swings for the children. It was something to talk about, a game for Sundays. Such freedom now seems almost weightlessâ {The Handmaidenâs Tale} Happy Independence Day #generationrent âđ» (at London, United Kingdom)
Welcome news for renters!
In the last Autumn Statement a few weeks back, we heard of some major news for renters and landlords in England and Wales. The Chancellor announced the governmentâs plans to help make private renting more affordable by banning letting fees.
The idea behind the change is that landlords are more able to "shop around" than a tenant and so has a more powerful position to avoid and force down uncompetitive charges. Â
Scotland already banned letting fees as far back as 2012, with mixed results. You should also thank Vicky Sprattâs campaign and Baroness Grender for their efforts in campaigning for this. Â Â
Once the ban comes into force, for tenants this means no more fees for credit checks, admin fees or holding deposits - saving them hundreds of pounds in some cases. All tenants will need when renting a property is the first monthâs rent and deposit. Administration costs will continue to be met by the fees the landlord pays to agencies to let their home.
At RentSquare we think this is a positive step towards making renting simpler for tenants and for landlords who also donât want their tenants to be overcharged. Â Â
The details around when this will come into force are not yet clear, so weâll keep you updated when there is more news about when it will come into effect.
In the meantime, give us a shout on @therentsquare to share your experiences.Â

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RentSquare: Wandsworth Area Guide
The London Borough of Wandsworth forms part of inner London and has become popular amongst young professionals and young families in recent years. It has a combination of period properties mixed with modern construction and well-established shops, excellent restaurants and cafes. It keeps some of the calm and quaint vibes of being south of the river, and the neighbouring Clapham area has turned into a popular place for night outings.
The Supply and Demand Myth...
Much has been said lately about the supply and demand myth within the private rental sector. The fact of the matter is that economics is simply not the last word as itâs often quoted to be. After all, economics failed to predict the 2008 crash â did it not? We are told that rental ...
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