Beary McBearface

Bland Unsight's List Of Btl Bullshitters

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I don't know what's going on but every time I pop over to this thread it's only me here, but somehow it is racking up 100 views a day...

Anyway, more dictionary action, h/t Blod (for SNSE) and Byron (for SENSE - SEll Now Sell Everything), as usual I'm going to be presumptuous slightly tweak what Byron has got to give me

Coming to your SeNSEs: The realisation by a leveraged property investors that a reversal in the HPI trend as credit conditions in the buy-to-let mortgage marked tighten will extinguish their equity before it extinguishes their gain, prompting them to Sell Now and Sell Everything.

Seriously guys - you are not riding the market, you are driving the market. You are the last interest-only conduit in a bubble that has been primarily an interest-only bubble since 2005. When they put the screws on lending to you guys, this f**ker goes in a heart beat. Why wait till the exit gets crowded? Last chance to move, maybe?. Just because you know I think you are ignorant moronic sociopathic amoral scum that doesn't mean that the thing that I want you to do is not actually the smartest thing for you to do... ;)

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The list at 12 December 2015

BTL BSers

BalancedBear
Milkshock

Mark Alexander


BTLers

AThirdWay

buckers
davidg

Le Grande Fromage

The White Horse
wotnocrash

BSers Aspiring to BTL

rayman740
Reality


Ex-BTLers who struggle with sub-text and have issues with people who have vaginas

sleepwello'nights


Self-appointed Witchfinder General's Fickle Finger of Suspicion

Damocles

Edited by Bland Unsight

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A this stage A White Horse coming off as vaguely unhinged in his/her campaign to demonstrate that Venger is a mentalist, ("We but teach bloody instructions, which, being taught, return to plague the inventor"). However, this odd conduct doesn't relate to the assessment of the BTL as an enterprise so they dodge the bullshitter bullet for now, (we'll also overlook the economics degree ;) ).

AThirdWay bidding for bullshitter status with this peach, (emphasis added):

I cannot be clearer. Until you can convince me that you are actively doing something to tackle the dreadful situation created by bad, over-leveraged, BTL landlords, (and arguing the toss with me on a website that is browsed by like-minded people doesn't count) then I really don't see where you get to claim the moral high-ground. If you were to view our two flat's as a 'business', then business is good. We don't make a tremendous return, but it's better than we'd get given our level of investment knowledge. We have made friends however, and that's got to be worth something?

Source

Also this post was quite striking.

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A this stage A White Horse coming off as vaguely unhinged in his/her campaign to demonstrate that Venger is a mentalist, ("We but teach bloody instructions, which, being taught, return to plague the inventor"). However, this odd conduct doesn't relate to the assessment of the BTL as an enterprise so they dodge the bullshitter bullet for now, (we'll also overlook the economics degree ;) ).

AThirdWay bidding for bullshitter status with this peach, (emphasis added):

Source

Also this post was quite striking.

In my defence, he or she is.

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Venger   

I will allow that to slide as a measure of goodwill.

My serious doubts about you as a BTLer was the positioning you were making over rogue landlords. From my reading, there are strong hints you would prefer to allow rogue landlords to stay in position. If tenants damage/wreck a property that is one thing, but when it's a bad landlord action/heavy fines should be taken against them, imo. Do you disagree? Also even when there is tenant damage, that is BTL/LL side risk. No one asked you to accept that tenant into one of your properties. It's got that risk.

I understand that but perhaps there should also be consideration where tenants do not consider the safety of themselves, their home or their neighbours.
On a practical note, a system of confiscation would be unenforceable / impractical but I would agree with licensing if it were meaningful.
Underlying this is the problem that local authorities are unable to cope with housing demand and as long as someone is being housed, then they have less responsibility and will not want to enforce regulations that might add to their waiting lists.

How on earth would you police a system of confiscation without the need for expensive legal intervention. For example a tenant may vandalise the property and claim against the landlord or equally a landlord may claim damage done by the tenant when it is not the case.

Licensing is being introduced but not coherently across authorities.

I thought I might pay a visit to the sight as actually I believe the market conditions are changing to a point that there may be a downwards turn in prices. Unfortunately it seems that this site is still full of vitriolic piffle.

Apply large fines after reasonable investigation. Illegal HMOs = large fine. Properties in very poor state of repair/condition where LL has ignored improvement notices etc. Fines large enough for the authorities to secure the debt against the property and take ownership of it. All imo.

Edit (for typo)

Edited by Venger

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In my defence, he or she is.

I see that you fancy yourself as good to go with the bloody instructions. That works for me. See you around. (BTW, note how slowly the threads turn over down here in the guts of the forum - not exactly writ on water.)

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Man it has been quiet on the troll front! But all good things come to an end.

First up, catdog1121 joins the list of buy-to-let investors, as evidenced. We recall that there is the second question, regarding whether or not the poster is also a bullsh!tter.

Im sorry but this is not affordability... This is a measure of house prices relative to wages not affordability....

The definition of affordability is... The extent to which something is affordable, as measured by its cost relative to the amount that the purchaser is able to pay.

This really is basic stuff here, affordability is actually at an all time high due to record low interest rates even with higher house prices... The time bomb is when rates do go up then what was affordable becomes affordable, if you couple that with falling house prices you have the perfect storm.

I would also question why are you posting stats from 2013?

Sorry but I agree house prices are too high but just like the EU debate if you spout rubbish the less interested everyday folk just think well thats clearly rubbish, everything they say is rubbish which is why HPC has become a doom mongering joke.

Now, if you look at this post with a clear eye, you will see that the poster brings their A-game by suggesting that a conventional measure of affordability (price to income) is not a measure of affordability. They then flex their intimidating intellect by proposing that affordability is a measure of whether or not things are affordable. If you're struggling to keep up with the breath-taking pace of concept development, fear not - this is the work of a genius.

catdog1121 then concludes that "HPC has become a doom mongering joke"

Sounds like bullsh!t to me. :rolleyes:

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Time for a little textual analysis. In an outing on the HP&TE Welcome thread, AnotherFineMess drops some PovertyLater tells. They call a thread an 'article'.

Does anyone know who actually owns/runs the housepricecrash website?

I always assumed hpc would have tens of thousands, perhaps even close to 100k unique users, because of the broad interest in house prices and the economy.

I posted in the affordability article yesterday, about how i think hpc actually should play a part in helping the Contrarian view to be more visible and perhaps cause a change in mainstream views. Somebody called me delusional for thinking that the site could have that impact, but I fully believe that good quality information on the Internet is more trusted than anything in paper these days.

Simce then I had a look at how hpc topics rank in Google, and realised that the SEO on the site is a disaster and it's not getting visibility in Google and with the amount of content on here it really should be ranking in the way something like mums net does. Would be really good to know who is in charge of that

Good enough for me to invoke the feared fickle finger.

horrifying.jpg

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The list at 30 April 2016

BTL BSers

BalancedBear
Milkshock

Mark Alexander

catdog1121


BTLers

AThirdWay

buckers
davidg

Le Grande Fromage

The White Horse
wotnocrash

BSers Aspiring to BTL

rayman740
Reality


Ex-BTLers who struggle with sub-text and have issues with people who have vaginas

sleepwello'nights


Self-appointed Witchfinder General's Fickle Finger of Suspicion

Damocles

AnotherFineMess

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As for the obvious and declared BTL trolls showing up of late who I've not added to the list - those are the breaks.

You've got to earn it.

Do some trolling yards and we'll see about you, but a couple of weeks of dreary nonsense - meh.

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Venger   
20 hours ago, Pumpkin Muad'Dib said:

As for the obvious and declared BTL trolls showing up of late who I've not added to the list - those are the breaks.

You've got to earn it.

Do some trolling yards and we'll see about you, but a couple of weeks of dreary nonsense - meh.

Father Fred (2005 joiner).

I thought he did enough to get himself added to the confirmed BTLers.

Tipping back up to the forum recently.  All about 'Unfair' Section 24.  

How his plan had always been buy more-more-more houses, and how was always minded to want better rights for tenants.... 

Although it is for you to decide.

Father Fred did not convince me to drop my total support of Section24.  He posted he would like May (or was it Hammond) to give him a personal exemption (S24), so can tell he is affected financially, and very much a me-me-me story. 

Shows that his mind is very much on himself, as it seems it was when he began buying up property after property, and also now blaming Government for his own BTL choices and actions of the past!!

Section24 + all other measures to tilt some balance back to renters and improve their rights.

On 4/14/2017 at 0:12 PM, Father Fred said:

Background - I am a landlord.  Not overly leveraged. 

Anyway, S24 makes some sense.  Something needed to be done to redress the blatant imbalances in the totally not-at-all-free market for housing.  But there are so many BETTER things that could have been done.  A few ideas -

[....................................]

Perhaps this is me being optimistic but I really do think that S24 is unfair (not that it is going to effect me massively if my calcs are right), and also potentially very destructive in terms of repossessions, house price crash (which would be destructive in some ways but a very good thing in many ways as well), disruption to tenants lives etc etc.  I think S24 may well end up being used as a short term shake up of the system, to be withdrawn when prices start collapsing (destroying banks balance sheets) and too many tenants lives are disrupted.  Having got rid of the worst over-leveraged landlords government will withdraw S24.  However by this time generation rent will be bigger, more younger people will be working in government, and the withdrawal of S24 will mean fairer and better anti-landlord policies, not fewer anti-landlord policies.  And many anti-landlord policies are not really 'anti-landlord', they're more "pro-tenant" and 'pro-society', which is not the same thing as anti-landlord.

 

 

On 4/15/2017 at 0:49 PM, Neverwhere said:

:lol::lol::lol:

I've not seen the I don't trust the government  and the government made me do it arguments offered in such quick succession before. Very funny!

I guess no more ridiculous though, than I don't trust financial institutions so I'm going to spend all of my savings placing bets on a heavily financialised market using high risk, economically destabilising, interest-only finance, with no consumer protection whatsoever, so that said financial institutions which I don't trust can ultimately have complete and total control over my ongoing financial well-being. :rolleyes:

Also loving the whole but I'm a left wing neo-feudalist schtick, as if making the people you exploit marginally more comfortable so that they're less inclined to seek to overthrow your exploitation of them is anything other than a self-serving move.

Pity that BTLers couldn't quite get their greed in check to actively fight for such reforms when they thought they might have a minor impact on their profit margins, but are all for going out of their way to publicly advocate for them now that their lack has resulted in political action which they think will cost them even more.

Brilliant. :)

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I have a new favourite poster (the use of bold as emphasis - or is that emphesis, or perhaps empheisis? - is added in each case).

https://en.wikipedia.org/wiki/Len_McCluskey

 

Please just bare with me, and could my nemisis just move on and read other posts and have your "ever so intellectual debates" with someone else, without trying to pull my few opinions all the time.

Len McCluskey is not going to cause a property crash in the UK, but I believe he is about to pull the trigger along with what is now the perfect storm and start it.

1. Jeremy Corbyn

2. A lot of p***ed off public workers(and private), and justly I might add

3. The unions

4. 10 years of austerity for the poorest in society

 

http://www.bbc.co.uk/news/business-41237242

 

I am by no means a looney lefty or commie, but there is only so far you can push people, I believe Brexit and the general election showed that. I think mass strikes are now inevitable and I will fully support them, even though deep down I know that our economy will suffer and it might get nasty. This country needs shaking up whether  from the left or right, it's all the same to me now, we just need shaken from our apathy.

 

Thats all very well saying he should "just move out" but what if he does not have that option, and lets face it his options are well over priced housing he could buy or over priced rental, there is no other choice. That is what pi**es me off about this government when it comes to hard working people that pay their own way including rent, we need a policy where there is affordable housing for low and average paid workers, I have heard far worse than 47% going on wages.

Look at those who have financial problems as well, imagine their rents all but disappearing, they would sort their debt problems out in no time If the government was serious about helping those  in debt.  it could say make giant clean simple hostels where you just get a room, bed, somewhere to wash and cook that costs £30 a week, not nice but you would save £10,000's in no time.

 

P.S  I see my HPC nemesis is at it again with complaining about my posts, I have him on ignore as I don't value a thing he says, I just wish he would do the same with me.

 

But

 

http://www.bbc.co.uk/news/business-41229775

 

It's a step in the right direction, and if the hard working young for now can find a warm, comfortable place to eat, sleep and wash while saving bundles on rent and paying it out to scum BTL landlords then I am all for it, lets have some more ideas like this.

 

P.S    To my HPC nemeisis who I have banned, please just move onto the next post if you don't have me on you banned list as well, I dont value a word you post and I cannot see anyway:)

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