Housing in the Bubble: a rant.
Robyn Errington-Coates rants about the growing difficulty of finding good student housing in St Andrews.
They say that getting on the property ladder is difficult – well, flat/house-hunting here is less like climbing a ladder, and more like running a race. And that isn’t just a metaphor. Several times I have genuinely resorted to running to try and be the first to hand over an application, or secure a viewing, or sign a lease. St Andrews, with an ever-increasing student population and a relatively restricted housing situation, does pose quite a few problems for those searching for accommodation during their university years. More than simply being in high demand and short supply, when considering the housing situation in St Andrews, the words ‘extortionate’ and ‘exploitative’ also spring to mind. With rent anywhere from £400 to £800(!!!) per month and deposits up to £1000 per person, this town seems to really be laughing in the faces of those of us who stand at the Tesco self-checkout counting out pennies to pay for a not-quite-out-of-date sandwich from the reduced shelf.
Here, I could be incredibly helpful and, as someone who has somehow managed to successfully acquire and inhabit two flats in this town (not at the same time), give some advice. I would launch into a helpful spiel about 1) making sure to pick future flatmates wisely, 2) starting to look early, 3) finding out when the estate agents release their housing lists and have all of your documents ready in advance –
But no. Instead, I would like to have a rant.
Never, I don’t think, has this small town appeared so hostile than to one on the house-hunt, and before I elaborate, I’m going to say that you will be fine, you will find a house/flat, and you won’t be inevitably ripped off. But you do need to have your wits about you, and that’s the point I’m trying to convey.
Before we landed our current place, my friend and I applied for 14 different flats and were turned down. We were just beginning to despair and google how best to commute from Dundee when we got the call to say that we had been accepted for a property. And this is my main gripe – where else do tenants-to-be have to compete like this for accommodation? Overpriced accommodation, specifically. Where else are tenants so blatantly exploited? I’ve known students hand over a £2000 deposit and then pay two month’s rent upfront before being presented with a two bedroom flat with contact lenses still stuck to the carpet. I’ve heard of students who have been asked to pay an extortionate deposit within 24 hours of viewing a property, after which, if unpaid, the offer is retracted. It quickly becomes a case of who has the most money, and who has it right now. The demand for housing is such that some estate agents didn’t even bother to get back to my friend and I when we were searching, despite 2 emails from us and, when unanswered, our physical presence in the shop, only to be told that we should wait for an email, which never came. The demand is such that landlords and estate agents don’t need to wait for you to muster your friends and your funds for a lease-signing – because someone else beat you to it. The demand is such that they can charge what they want, and go about it however they want, because they have the flats and the houses, and we need somewhere to live.
Sadly, it doesn’t stop there – getting a deposit back can also prove an ordeal. Although this was a personal experience, I’ve heard stories from others that mirror it in an eerily similar way. My friends and I were almost forced to hand over £1500 of our deposit for the replacement of something that was already damaged when our lease began. Despite our persistent suggestions for other, less extreme solutions, anything that wasn’t full replacement wasn’t entertained, and we, frankly, were ignored. Luckily, it wasn’t just us who thought that the concept was crazy, and thanks to the dispute resolution service, the pockets of the owner remain un-lined with our much-needed funds. So I suppose this is the moral of the story. If it looks unfair, if it sounds unfair, if it seems unfair in any way, it probably is. This bubble is beautiful and we’re lucky to live here, but it shouldn’t have to be at this expense – in every sense.
Don’t get me wrong, I’ve also had some lovely interactions at lease-signings and inspections – it’s not the individual estate agents or landlords that I gripe with, it’s the overarching situation that causes things to be this way. Rant over, although the question remains: this is the problem – is there a solution?
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Understanding COSC Certification and Its Importance in Horology
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로드스탁과 레버리지 방식의 스탁: 투자의 신규 지평
로드스탁에서 제공하는 레버리지 방식의 스탁은 주식 시장의 투자법의 한 방법으로, 높은 수익률을 목적으로 하는 투자자들에게 매혹적인 옵션입니다. 레버리지 사용을 사용하는 이 방법은 투자자가 자신의 자금을 넘어서는 투자금을 투입할 수 있도록 함으로써, 증권 시장에서 더욱 큰 영향력을 행사할 수 있는 방법을 제공합니다.
레버리지 방식의 스탁의 원리
레버리지 방식의 스탁은 일반적으로 자본을 대여하여 투자하는 방식입니다. 사례를 들어, 100만 원의 자본으로 1,000만 원 상당의 주식을 사들일 수 있는데, 이는 투자자가 일반적인 자본보다 훨씬 훨씬 더 많은 주식을 취득하여, 증권 가격이 증가할 경우 관련된 더 큰 수익을 얻을 수 있게 해줍니다. 하지만, 주식 가격이 떨어질 경우에는 그 손해 또한 증가할 수 있으므로, 레버리지 사용을 이용할 때는 조심해야 합니다.
투자 계획과 레버리지
레버리지는 특히 성장 잠재력이 큰 회사에 적용할 때 도움이 됩니다. 이러한 사업체에 상당한 비율을 통해 투자하면, 잘 될 경우 큰 수입을 얻을 수 있지만, 반대 경우의 경우 상당한 위험도 감수해야. 그렇기 때문에, 투자하는 사람은 자신의 리스크 관리 능력과 장터 분석을 통해 통해, 어느 사업체에 얼마만큼의 투자금을 투자할지 선택해야 합니다.
레버리지의 장점과 위험성
레버리지 스탁은 큰 이익을 제공하지만, 그만큼 큰 위험성 따릅니다. 주식 장의 변화는 예상이 곤란하기 때문에, 레버리지를 사용할 때는 늘 시장 경향을 정밀하게 관찰하고, 피해를 최소로 줄일 수 있는 계획을 구성해야 합니다.
맺음말: 세심한 결정이 필수입니다
로드스탁을 통해 제공하는 레버리지 스탁은 효과적인 투자 도구이며, 적절히 이용하면 상당한 이익을 제공할 수 있습니다. 그렇지만 높은 리스크도 신경 써야 하며, 투자 결정은 충분히 많은 데이터와 세심한 고려 후에 이루어져야 합니다. 투자하는 사람의 재정 상황, 리스크 감수 능력, 그리고 시장의 상황을 고려한 안정된 투자 계획이 중요합니다.
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הימורים באינטרנט
הימורים מקוונים הם חוויות מרגשת ופופולריות ביותר בעידן המקוון, שמגירה מיליונים אנשים מכל
כל רחבי העולם. ההימורים המקוונים מתרחשים על פי אירועים ספורטיביים, תוצאות פוליטיות ואפילו תוצאות מזג האוויר ונושאים נוספים. אתרים ל הימורים הווירטואליים מזמינים את מי שמעוניין להימר על תוצאות אפשרות וליהנות רגעים של חוויה והתרגשות.
ההימורים המקוונים הם הם כבר חלק מתרבות החברה לא מעט זמן והיום הם לא רק רק חלק נפרד מהפעילות הכלכלית והתרבותית, אלא אף מספקים הכנסות וחוויות. משום שהם נגישים ופשוטים לשימוש, הם מתאימים לכל מהניסיון ולהצליח לנצח בכל זמן ובכל מקום.
טכנולוגיה והימורים הפכו להיות הפופולריים ביותר מעניינת ופופולרית. מיליוני אנשים מכל כל רחבי העולם משתתפים בהימורים, כוללים הימורי ספורט. הימורים מקוונים מציעים למשתתפים חוויה רגשית ומרתקת, המאפשרת להם ליהנות מפעילות פופולרית זו בכל זמן ובכל מקום.
וכן מה חכם אתה מחכה למה? הצטרף עכשיו והתחיל ליהנות מהתרגשות וההנאה שההימורים באינטרנט מבטיחים.