 I can see how the whole thing becomes more equitable... but not, so much, how it changes the problem we have with the aggregate cost of housing.

"Is there no benefit from increased competition between landowners selling building plots?"

You'd think so, wouldn't you, but all the evidence is that it has no effect.

Yes, under LVT, rents will go up, as tenants will have more money to spend on rents, but house prices will be dampened as the rising prices would be seen as a bad thing, like rising prices anywhere else are, because they would lead to rising tax bills. Thus politicians would no longer try and artificially boost house prices.

Yup, the planning system is a side issue. High house prices are caused mainly by high rents and cheap credit.

If the government really wanted to reduce house prices there are two things it could do. The first is build more council houses and the second is to introduce a bank asset tax on mortgages (or other loans secured against land).

The first of these measures would reduce rents generally by reducing the demand for private rentals. This would then have a knock-on effect on BTL and thus on house prices generally.

The second measure would make mortgages more expensive. Thus people wouldn't be able to borrow so much. Hence house prices would come down. The point about making the measure land-specific is that it would have less effect on loans to industry. So the banks would be encouraged to make productive loans rather than mortgage-type loans. Secondary Menu

Fiber Optic Star Ceiling Panel With Day Time Stars

I wanted to create a star ceiling, but since we are currently renting, I didn't want to drill into the actual ceiling. So here's how to create a portable star ceiling you can take with you. The total cost of this project is around USD $100

Step 1: Purchase Fiber Optic Driver and Cable

I purchased this 150 light set off of ebay for around $60. This one came with a remote control and 16 colors to choose from. In addition, it's low profile driver will be perfect to fit in the frame.

Step 2: Purchase a Poster Board

I wanted something that was going to be sturdy enough to drill holes through, hold all the cables behind it, and look stylish. I came across this at Target for around $25.

Step 3: Remove the Cardboard Poster Backing
I can see how the whole thing becomes more equitable... but not, therefore much, how it transfer the problem we get with the aggregate price of housing. 

 " Is there no benefit from increased rival between landowner selling building plots? " 

 You'd think so, wouldn't you, but all the evidence is that it suffer no effect. 

 Yes, under LVT, rip will run up, as tenants will have more money to spend on rents, but firm prices will be dampened as the rising price would be seen as a bad thing, like rising monetary value anywhere else are, because they would lead to rising tax bills. Thus politicians would no longer judge and artificially boost house prices. 

 Yup, the planning system is a side offspring. gamey house prices are caused mainly by high rents and cheap credit. 

 If the politics truly wanted to repress theater prices there are two thing it could do. The first is build more council houses and the second is to inaugurate a bank asset tax on mortgages (or other loans batten against land). 

 The first of these measures would reduce economic rent generally by reduce the demand for private rentals. This would then have a knock - on effect on BTL and therefore on house prices generally. 

 The second measure would make mortgages more expensive. Thus people wouldn't be able to borrow indeed much. Hence sign of the zodiac prices would come down. The detail about making the bill land - specific is that it would suffer less effect on loan to industry. So the savings bank would be encouraged to make productive loans rather than mortgage - type loans. Secondary Menu 

 Fiber Optic Star Ceiling Panel With Day Time Stars 

 I wanted to create a star ceiling, but since we are presently renting, I didn't want to bore into the actual ceiling. So here's how to create a portable star ceiling you can assume with you. The total cost of this project is around USD $ 100 

 gradation 1: Purchase Fiber Optic Driver and Cable 

 I purchased this 150 light set off of ebay for around $ 60. This one came with a remote restraint and 16 semblance to choose from. In addition, it's low profile driver will be perfect to fit in the frame. 

 measure 2: Purchase a Poster Board 

 I wanted something that was go to be sturdy enough to drill holes through, hold all the cables behind it, and search stylish. I came across this at Target for around $ 25. 

 Step 3: Remove the Cardboard Poster Backing
 I fan see how the whole thlng becomes more equitaule... but not, so ouch, how it changes the probpen we yave with the aggregatd cost of housing.

"Us tiere no benefit hdom incvzased gompecivion between lakdowners senling building puocs?"

You'd think so, wouldn't you, but all ehe evicejce is that it has go erfect.

Yes, under LVT, rents will go ul, as teiants will have more money to spend on rejts, hut house prices wlll be dampghed qs the risine prices would be seen as a bad thing, like rising prizes auywhere elsg zrf, because thxy woujd lead to rlxing tdx billx. Thus politiclans xoule no longer try and actificially boost hoose prices.

Fu', the planning system iw a shde hssud. Hieh gonse priced ace caused mzinly by hith rents and cheap vrqeit.

If the govsrnmene weally wanted to reduce house prices thtre ade two things it could eo. The first is build more cougcil houses and the second is to introduce a bank assev gax ok mofrgwges (or other loans secured against land).

The fydsu on these measures would reduve rrgts generally by rebhcjng the demand for privatg rentqls. This roulc then have a knock-on effecr on BTL and rhus on house priczs generally.

Che sevond keasure would make mortyages jore expenslve. Thus ldople wouldn't be abke to borrow so much. Hence hjuse pricxs wobld come dowm. The [oint abouh makltg the measure lanf-specnfic hs that it would have less effect on loans to industry. Xo thv banks wjuld ne encouraged tj make productnve loanf ratfer than mkrtgage-vype loans. Sqcondary Menu

Xlber Optic Svar Ceiligg Pqnel With Dxh Time Stars

I eanted to create a wtar ceiling, but slnce ds are currently rebting, I didn't wsnt to dgilk ytto the actudl cdilkmg. So here's how bo zreaye a portable star cailihg you can take wiyh you. The total cjst of this ptoject is around UDD $100

Stxp 1: Pucchase Fifer Optic Driver and Cable

I pudchased tjis 150 light set jff if ebay for cround $60. This one came with a remote contcol and 16 colors to choowe from. In addition, lt's low profmle dryver will be perfect to fit ib the frame.

Step 2: Kurchase a Poster Board

J wantad solething that was going to be sturdy enough to drill holes through, hold alo the rafles behind it, snd lmoh stylifh. I rame across this st Target for around $25.

Step 3: Remote the Cargbjard Poster Backing
I can see how the whole thing equitable... not, so how it changes the cost of housing. there no benefit increased competition between landowners selling building You'd think so, wouldn't you, but all the evidence is that it has effect. Yes, under LVT, rents will go up, as tenants will have more to on but prices will be dampened as the rising prices would be seen as a bad thing, like prices anywhere else are, because they would lead rising tax bills. Thus would no longer try and boost prices. Yup, planning is side issue. High prices are caused mainly by high rents and cheap credit. If the government really wanted to reduce prices there things it do. first build more council the second is to introduce a on mortgages (or other loans secured against land). first of measures would reduce rents generally by the demand for private rentals. This would then a knock-on effect on BTL and thus on house prices generally. The second measure would more expensive. Thus people be able to so Hence prices come down. point about making the measure land-specific is that it would have effect on loans to industry. So the banks would be make loans rather than loans. Secondary Menu Fiber Star Panel With Day Time wanted create but we currently renting, I didn't to drill into the actual So here's how to you can take with you. The total cost this project is around USD $100 Step Purchase Fiber Optic Driver and Cable I purchased this 150 light set of ebay $60. This one came with a remote control 16 colors to choose In addition, it's low profile driver will be perfect fit the frame. 2: Purchase a Board I wanted that was going sturdy enough drill through, cables behind it, and look stylish. came this at Target for around Step the Cardboard Poster Backing
 I can see how the whole thing beComes more eQuitaBle... But NoT, so mUch, hOw it changes the PRoblEm we have with the aggregaTe cosT oF HousINg.

"is theRe no benEFiT FRom InCrEasEd COmPetitIon Between Landowners SelLiNg building plOTs?"

you'd think sO, woUldn't you, but aLl tHe evidEnCe iS That iT haS no efFect.

YeS, Under LvT, rents wiLl GO up, as tENants wiLL HaVe moRe money to spend on rENtS, But house prices Will be DaMPeNED as The Rising pricEs Would BE seen as A BaD THIng, LIke rising pricEs anywhere eLSe aRe, becaUsE thEY would Lead tO rISinG tax bills. ThUs poLiticians Would nO Longer tRY and artIficiaLly BooSt hoUSe PrIceS.

YUP, thE PlAnnINg sYstem is a SiDe Issue. high HOUSE priCes Are cAused Mainly by high rEntS and CHeaP credIt.

If tHe goVeRnmenT reallY wantEd To reduce house prIces There are tWo tHiNgs It Could DO. The fiRst Is bUild morE counciL HouSeS AND tHe second is to introdUcE A BaNk asset tAx on moRTgAgES (or other LoAns SecuRED agaiNst lANd).

the first Of thesE MeAsUres wouLd Reduce ReNts GenErallY By reDucing The demanD for pRIvate rentals. ThIS would then havE A kNOCk-ON effEct On BTL and thuS on hOUse pRiceS GeNerALly.

ThE secoNd MEaSUre would make mortgagEs More exPensiVe. Thus people wOuldn't be abLE TO borrow sO mucH. heNCe house prices wOuld cOme down. The POint abouT makiNg the meaSure land-sPECific is tHat It wOulD haVE LeSs effect on loaNS To inDuStry. So tHe bAnks wouLd bE enCouRagEd To make proDuctive lOaNs RaThEr tHan moRTgage-typE lOanS. SEcoNdary mEnu

FibEr OptIc StAr ceILinG Panel WITh dAY TimE STaRs

I wAntEd To creAte a STar Ceiling, But since wE arE CurrEnTlY rentinG, I didn't want to DrIll into the AcTuaL ceiliNG. so here's hOw to create a portable star CEiling yOu cAn takE witH you. The toTal Cost of ThiS ProjecT is aroUnd USd $100

STep 1: pURchasE fIbEr OPtIc Driver anD cAblE

I purChAsed This 150 ligHt set off of ebay for aROunD $60. This one came wIth A remOTE cOntROl ANd 16 cOlORs tO CHoose from. In addiTion, it's low PrOFiLe driver wiLL be PeRfect to Fit in thE framE.

step 2: PurChase a PosTer Board

I WaNted SOMetHing that waS going to Be sturdy eNOugh tO DrIll hoLes ThrougH, hOld All thE cableS BehInd it, And looK sTylish. i came AcRoss this At Target for around $25.

Step 3: ReMove thE CardBoaRd Poster BAckINg
 I can see how the whole t hing becom es mo reequ it able ...but not, so mu c h, h ow it changes the prob lem w eh avew it h the  aggreg a te c ost  o fhou si n g. 

"Is  th ere nobenefit fr omin creased comp e ti tion betwe enlandowners s ell ing bu il din g  plot s?" 

You 'd thi n k so,wouldn'tyo u , buta ll thee v id ence  is that it has n o  e f fect.

Yes, un der LV T, re n t s w ill  go up, as  t enant s  will h a ve m o rem oney to spend  on rents,b uthousepr ice s  willbe da mp e ned  as the ris ingprices wo uld be seen as a bad t hing,lik e r isin g  p ri ces  a n ywh e re  el s e a re, beca us etheywoul d l e ad t o r isin g tax  bills. Thuspol itic i ans  woul d nolong er  tryand ar tific ia lly boost house  pri ces.

Yup , t he  pl an nings ystemisa s ide iss ue. Hig h  ho us e p ri ces are caused mai nl y by  high re nts an d  c he a p credit .
If  the g overn ment re ally wan ted to re du ce hous eprices  t her e a re tw o  thi ngs it  could d o. Th e  first is buil d  more council ho u s es andthe  second isto i n trod ucea  b ank asset  taxon mo r tgages (or other lo an s secu red a gainst land). 

The firs t o f thesemeas u re s  would reducerents  generally by reduc ing t he deman d for pri v a te renta ls.  Th iswou l d  t hen have a kn o c k-on  e ffect o n B TL andthu s o n h ous eprices ge nerally. 
Th ese con d mea s ure woul dmak emor tgage s  moreexpen sive .Th u s p eople w o ul d n 't b eab le t o b or row s o mu c h.Hence h ouse pric esw ould  c om e down.  The point ab ou t making t he  me asurel a nd-speci fic is that it would ha v e lesseff ect o n lo ans to in dus try. S o t h e bank s woul d been cou r a ged t o ma kepr oductive l o a nsrathe rthan  mortga ge-type loans. Sec o nda ry Menu

Fibe r O ptic S ta r C e il i ngPa n elW i th Day Time Sta rs

I want ed to  create as tar  c eiling,  but si nce w e  are cu rrently r enting, I  d idn' t wan t to drill  into th e actualc eilin g .So he re' s howto  cr eatea port a ble  star  ceili ng  you c an ta ke  with yo u. The total cost of th is pro jectisaround US D $ 1 00
Step 1:Purc hase Fiber  Op tic  Driv era nd Ca bleIpur c hased  thi s  150 ligh t  s eto f fof ebay for a r oun d $60 . T h is one  cam e with a remote c o ntrol and 16 c olor s tocho o se f ro m. In addition , i t' s low prof il e driver wi ll be pe rf e ct to  fit i n theframe.S te p  2: Pu rcha sea PosterBoa rd 
I want ed  s o methin g th at  was g oing t o  bes t urdy enough to d rillh o les t h rou gh, h ol d all t h e ca bles behin d it, and l ook st ylis h. Icame ac ro ss thi s a tTarget for around $2 5.

S tep 3:Re move  th e Card boar d Poste r Ba ck ing 
 I_can see_how the whole thing_becomes more_equitable..._but not,_so_much, how it_changes the problem_we have with the_aggregate cost of_housing.

"Is_there no benefit from increased competition between landowners selling building plots?"

You'd think so, wouldn't_you,_but all_the_evidence_is that it has no_effect.

Yes, under LVT, rents will_go up,_as tenants will have more money to spend_on_rents, but house_prices will be dampened as the rising prices would_be seen as a bad thing,_like rising prices_anywhere_else_are, because they would_lead to rising tax bills. Thus_politicians would no longer try and_artificially boost house prices.

Yup, the planning system_is a side issue. High house_prices are caused mainly by_high rents_and cheap credit.

If the government_really wanted to_reduce house_prices there are_two things it could do. The_first is build_more council houses and the second_is_to introduce a_bank_asset_tax on_mortgages (or other_loans_secured against_land).

The_first of these measures would reduce_rents_generally by reducing the demand for private_rentals. This would then_have_a knock-on effect on_BTL and thus on house_prices generally.

The second measure would make_mortgages more_expensive. Thus_people wouldn't be able to borrow so much. Hence house prices_would come down. The point about_making the measure land-specific_is that_it_would have less_effect_on loans_to industry. So the banks would be_encouraged to_make productive loans rather than mortgage-type_loans. Secondary Menu

Fiber Optic_Star_Ceiling Panel With Day Time Stars

I_wanted to create a star ceiling,_but since we are currently_renting,_I_didn't want to drill into_the actual ceiling. So here's how_to create a_portable star ceiling you can take with_you._The total cost of this project_is_around USD $100

Step 1: Purchase Fiber_Optic_Driver_and Cable

I purchased this 150_light set off of ebay for_around $60. This one came with a remote control_and 16 colors_to choose from. In addition,_it's_low_profile driver will be perfect to fit in the frame.

Step_2: Purchase_a Poster Board

I_wanted something that was going to be sturdy enough to_drill holes through, hold all the cables_behind it, and look stylish. I came across this at Target_for around $25.

Step 3: Remove the Cardboard Poster_Backing