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About hp72

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  1. Just read this http://evonomics.com/unproductive-rent-housing-macfarlane/ which seems to tie up with the original post. The government seem to be paying lip service to it as to whether something will actually been done will be evident in the near future but it feels like a bit of a pitchfork moment to me....
  2. There is also something called "hope value" which is the anticipated value if it ever were to achieve planning permission. As a member of a community land Trust looking to purchase agricultural land worth some £4,000-£15,000 an acre. With special "exception status for self builders for local people" then the battle is to argue that it's not worth £1-2 million pounds per acre but somewhere between £15000 and £1 million pounds per Acre as it would never have full market value.
  3. Pitchfork moments

    About 12 years ago was travelling around the world for a year in Laos and Vietnam at that time and read on the BBC website about someone paying £50,000 for a personal number plate for their child and I thought that was disgusting from a perspective of someone in a country where people were earning one US Dollar a day
  4. Radio 4 You and Yours BTL Landlords selling up

    Poor landlord looking for exemption for stamp duty Stamp duty dispensation http://forums.moneysavingexpert.com/showthread.php?t=5745404 Myself and my wife are looking to buy a home together for about 220000. My wife had a terraced house she sold earlier this year, I have a flat I bought 9 years ago which is rented out. We currently live in rented accommodation.My flat was a studio one bed flat for one person, a Redrow debut one, whereby I had a mortgage for 90% and Redrow gave an interest free loan for the rest due to be paid after 10 years. The ten years is up next June. The flat isn't big enough for me, my wife and baby to live in. We're trying to sell the flat but have had no interest thus far. Our financial advisor has said if we can't sell then we will have to pay stamp duty on the home we intend to buy. We know we'll get that back if we sell the flat not long after but is there any other way around this as we can't find the funds to pay both Redrow back the loan and the stamp duty. oh and it seems that there's no way he would be able to reclaim the 3% extra stamp duty
  5. Radio 4 You and Yours BTL Landlords selling up

    New mortgage lender wants me to sell my BTL http://forums.moneysavingexpert.com/showthread.php?t=5745187
  6. Land registry UP again 0.4%

    It's worth bearing in mind the sales cycle of property in so much that the prices reported today by the ons relate to sales that completed approximately 2 to 3 months ago which would be the completion cycle of prices agreed and baked in 3 months before that. So the ONS figures released in October or November are for completions in August or September which actually reflect prices agreed in June or July. Sentiment has turned somewhat in that interim period between June and November.
  7. UK Unemployment Falls Again

    So unemployment (undefined scope / definition / criteria / meaning) is at an all time low, and in the same news bulletin is concern around how productivity in UK is low compared to European peers. Errr. 2+2=?
  8. The Perfect Dance Track

    I've posted a list of my top 15 tracks on here but I can't find it anymore. included such tracks as voodoo ray and Atlantic ocean waterfall which for me still give me rushes even though it's 20 years on.. will have to spend a couple of evenings going through old YouTube clips and finding the songs that really meant something to me
  9. The Perfect Dance Track

    Now I finally have a car into which I can put an SD card into, I wanted to download music that I've always wanted to listen to whilst driving. Hence working my way through this list of music. Unfortunately, many of the Legacy links from 2010 onwards no longer work due to copyright infringement. Pah!
  10. Totally agree. We're too close too it to objectively see the parallels. Aztec, Incan, Greek, Roman.. There are 20+ civilisations that have "imploded" historically and it seems many of them had issues that contributed to that collapse we are going through now.
  11. At least you would be allowed to develop additional features in Amazons game development platform in the event of a zombie apocalypse. "Clause 57.10 of the AWS terms of service states: “This restriction will not apply in the event of the occurrence (certified by the United States Centers for Disease Control or successor body) of a widespread viral infection transmitted via bites or contact with bodily fluids that causes human corpses to reanimate and seek to consume living human flesh, blood, brain or nerve tissue and is likely to result in the fall of organised civilisation.” https://www.theguardian.com/technology/2016/feb/11/amazon-terms-of-service-zombie-apocalypse
  12. Thinking of giving up drinking

    Tell them you have eaten some common ink cap mushrooms (aka tippler's bane). If you have alcohol 3 days before or after eating them it will make you very very ill. Perfectly non-toxic for teetotalers as long as they don't use aftershave or perfume with alcohol in. https://en.wikipedia.org/wiki/Coprinopsis_atramentaria
  13. Has anyone changed their mind on rate rise this week ?

    And buyers who have less purchasing power. 7 months ago I was very close to getting a huge mortgage that was a base rate tracker. This 0.25% change would have meant an extra £125 per month, or £500 a month per percentage point increase. Glad I did not buy but STR'd instead.
  14. http://www.hl.co.uk/tools/calculators/inflation-calculator Notwithstanding that 2007 was a previous ridiculous high then even with base inflation £100,000 would become £136,000 over that timeframe. The more "fair" price would be taking, as a real world example, 1979 in Bristol where a large house was £25,000 which in today's terms (at inflation only rates) would be approximately £132,000 and not the new world asking price of £700,000. Inflation linked house prices cannot work when they are based on a previous high as in 2007 but on a Baseline established before rampant HPI. If we can ever get close back down to that nominal £132,000 and HPI tracks inflation from thereon then that is a place from which few people can argue is unreasonably priced. Fair?