TWOPEY
-
Posts
271 -
Joined
-
Last visited
Content Type
Profiles
Forums
Events
Posts posted by TWOPEY
-
-
HR Department
For all you younger HPC readers , 'HR' is the trendy name given to what used to be known as payroll/personnel before they got this new 'cool' name ; a bloody great pay rise for doing f**k all and became the bunch of up-their-own-**** wakners like the 'HR' what works for my company.
That was good, enjoyed that.
OK , Off to Barcelona for a few days now so behave you lot !
PS tony69 , remember the job graphs , but wasnt it 'SOAP' and benson was the butler ? I could be wrong tho ..
-
Re above
S'OK - I've found the story....
Got the worng end of the stick there for a second... Oh well..
-
By asking the original question can I assume that you think Labour will win the election? I am not so sure anymore.
Interestingly Stuart Wheeler the founder of IG Index the spread betting firm is so convinced the Tories will win he has set up an account with his own company and is taking bets from all comers that the Tories will win by 50 seat margin.
Apparently he is some sort of legendary gambler who rarely loses.
Are you sure this is for a general election ?
Do you have a link to the story ?
Is this bet open to everyone ?
I'd be really grateful if you could reply - Cheers
-
Here be the text from Bubble P's letter (page 18 the metro)
Title (supplied by the metro I assume ) "DREAMING"
text
" In your article 'Money for old soap' (Metro, Tue), you reporton a house for sale in Albert Square , stating :
'With house prices rising by 56 percent a year , an investors dream.'
This figure is pure fantasy. According to Land Registry data , house prices in Tower Hamlets rose by 9.8 per cent in 2004 but by only 0.9 per cent in the last quarter of 2004.
And the next move will be down.
Hardly an investors dream. "
end of letter.
Did they edit any out BP ?
-
Sorry if this has been mentioned on another thread but
that was your letter in the metro this morning wasnt it ?
Nice one anyway if it was...
-
Is it because we are individual and can think outside the box (David Brent ), we don't have a herd mentality, or that we work in enviroments where our financial knowledge has taught us how to spot an overpriced asset?
Does it also mean that we will be the first to spot the bottom of the market and buy just before the masses rush in again at the start of the next bubble, or will our bearish instincts cause us to miss the boat?
Face it , IF we on this site had any financial insight when it came to spotting market peaks/troughs , then we would have bought a dozen houses in 94/5 and sold them last year and set off for the seychelles - no excuses about gearing or " I wasnt in a position to do this " - it was a no-brainer (personal disclaimer : I have no brains)
Because of this I dont believe that we have any special financial insight on this site (or certainly no more than other money - oriented sites anyway). However ,I think there may be a hint of truth in the 'non herd ' mentality theory which kind of interested me and manifests itself in some of the more original posts on here (ie nothing to do with houseprices
)I think the site is more a meeting of a mix of people - FTBs , STRs, people looking to move on up that ladder and as such provides a bit of support for when we start to doubt if a crash will happen. You see this whenever the slightest bit of news of prices down/prices up and everyone is either "bring it on and murder the landlords" or "oooh noooo , they'll NEVER go down" . Then some of the cooler heads come on and everybody is reassured again ... Chuck in a mix of humour and distinct lack of chavs and all is pretty cosy.
As for spotting an over-priced asset , FTBs are starting to do this themselves anyway , hence the market is slowing/turning/falling .
When did I think HPs were silly ? About 2003 when I saw one of the flats in my block go for 120k - realised that at that rate I'd never be able to trade up
-
... And to think the British public voted for that Javine bint.
Fred for Eurovision !
-
y'know. after hearing this post i think i will go out and buy that 180k terrace
Gazump alert - I'm offering 182500. !
dont feed the trollPrecisely
What a complete berk you areAnd that seems as good a note to end the week on as any. Good weekend all.
(You simply must get off the fence Charlie & say what you really think sometimes)
-
Finger Lickin chicken Licken ...
Hmmmm, Niiiice
Poxy foxy loxy , poxy foxy loxy !!!!
Not niiiice , not niiiice ....
Hmmmmmmm
BUUNNNIES !!!!!!!
-
Nice one Fred, but the more obvious pistols number for me without even changing any lyrics is their ode to People buying houses right now. Ladies , gentlemen & Man U fans I give U
"Silly Thing"
What you see, you can get
Nothing's free, nothing's said
Don't be fooled by the signs
Don't read in between the lines
What you're gonna say
What you're gonna do
Now you've missed out once again
But I thought you knew
Oh you silly thing
You've really gone and done it now
Oh you silly thing
You really gone and done it now
Trouble here, trouble there
People stop just to stare
What's the use of wasting time
Just move on, leave 'em all behind
What you're gonna say
What you're gonna do
Now you've missed out once again
But I thought you knew
Oh you silly thing
You've really gone and done it now
Oh you silly thing
You've really gone and done it now
Can't you ever depend
On someone you call a friend
When you see the naked eyes
You don't even ask 'em why
You don't even ask 'em why
Oh you silly thing
You've really gone and done it now
Oh you silly thing
You've really gone and done it now
-
One simple march to London, one sit down protest near Downing Street by young people demanding affordable housing would have more effect than a million posts on here.
I dunno about this, as the vast majority of people would have no sympathy for FTBs at the moment, being as they are "alright jack". Papers would probably label them "spoilt little gits - why in my day we saved hard for a house and lived in stables until we could afford it" etc etc
The only good protest is a violent one that everyone agrees with (see poll tax riots). Now that did change something..
FTBs are doing the right thing by not buying :-
1. Houses full stop
2. The ******** being spouted about houses .
-
QUOTE
Ahh, where are they now eh ?
Retired?
Could be !
Then again , our company hasnt hired any contractors in any number for about 4 years but there be whispers ..
As you say MT , the return of £75 ph boys could be nigh !! (cue "£100 per hr ? . Not worth my time" - bulls h i t plus inflation.
)Only joking contractors - welcome back.
Is that right Ignorant Steve, you hired contractors for support work !!??
(Sorry - just seen your reply to eek above . Ignore )
-
I work In IT & I kind of miss the old contractors ********.
The conspicuous flicking through of computer weekly going "£75 per hr ? . Not worth my time"
Ahh, where are they now eh ?
Just on this tack , has anyone else who works in IT on this forum noticed that a lot of what was outsourced coding to India/China/ wherever has started to come back to the UK ?
I dont mean all, but apart from basic coding stuff which still gets sent out, I've noticed that a lot of work has come back 'in house' so to speak ...
I could be wrong of course and it may be just a one off..
Going back to the original question.
Personal Job security ? 50/50 over the next 4/5 years, but not hugely bothered . Would get a decent pay-off so in some ways would be quite happy with the old redundancy. Its not as if the firm is going to go bust so as long as I get my dosh...
-
At least we're guaranteed that UEFA cup place, as I'm sure Chelsea won't be needing it.
Slightly off topic here psbm , but does the losing finalist in the Carling Cup get the UEFA spot by default ?
Only reason I ask is that we (Birmingham City) lost to liverpool in the worthingtons a 2/3 years ago but didnt get the uefa spot even though pool were already qualified for the champions league that year ...
On-topic .
Dont really bother looking at the estate agents round by me as I assume they're out putting up the increasing proliferation of "to let" / "for sale" signs round my way ..
-
Mines from an intended insult by a drunk mate.
Was meant to come out "you dopey t w a t " but didnt . We all fell about and since then , I'm known as "twopey".
-
HI JB
I think its good that we have more posts like this as I think they cover about 90 % of the problems facing the FTB population, the main one being that its just too expensive.
Whilst I admit not dreaming about interest rates , I too feel that there will be a move upwards in the next few months and it may not stop at 0.25 %.
My personal situation is bought in 2001 (or "rented from the bank" if I want to be totally (H)PC
) and am looking to move up the ladder in 2/3 years time . Like you , it wasnt until I started to check house prices round by me a couple of years ago that I started to think "HOW MUCH ??!! & I realised that it was getting stoopid.I've decided to wait a couple of years and see whats happening.
For my own 2 pennorth , I think renting for another 6 months will do no harm whatsoever as whilst the market may not crash , I dont see it rising any significant amount , in fact it will probably start its slow old way downwards. Just keep building your deposit in the meantime because I would bet shedloads that other FTBs are finally doing the same thing rather than desperately jumping into the market.
IFA s/ mrtgage advisors are bloody hopeless so Do your own research where you can. There plenty of info out there & right now I would guess that you hold all the aces - Its a buyers market.
Estate agents ? Take anything they say with a large pillar of salt.
See the HPC pdf document too. Should give you food for thought.
After all that rambling , I guess I'm just saying no harm in waiting and I belive you are doing the right thing...
As for posters on here
1. Dont be scared of ZZ - he only eats bulls !
2. Dogbox is entertainment if nothing else.
3. Monkey is in charge of "House price smackdown" & "forum infiltration"
4. You will find a shortage of bulls on here as they see to have buggered off. Dunn o why ....
-
Just about 15,000 on credit cards (used to be 3 times that ) + mortgage.
Just to clear up ,the credit card debt is "stoozed" so in reality , credit card debt free.
-
Just about 15,000 on credit cards (used to be 3 times that ) + mortgage.
-
Just wanted to say Big Respect* to Fred for all his HPC songs - A Barron Knights for the dispossessed / Marilyn Manson for the soon -to-be-repossessed !
Wheres the album ??
(*one understands that this is a 'street' term)
-
DB is slowly turning into a bear
"Bearbox" ?
This is what I'm really frightened of. Prices going down a bit but then BTL'ers jumping in again before any FTB'ers can do anything, adn then being stuck renting their properties again.I used to think that this may happen , but now feel that it will cause a spike/slightdelay in the house price drop rather than another big upward curve.
Besides, FTBS finally (FINALLY) seem to be saying 'enough' & are refusing to pay these prices. More are now asking 'whats it worth' rather than 'how much is it?' &
this will shift prices down more than anything else. A concerted 'NO' from the FTB s(plus STRs I suppose) to current prices - should have happened ages ago but better late than never..
-
Hi SAGE
Just curious as to what area(s) in Brum are you looking ?
I'm up in Sutton at the moment and though there are a few more for sale signs than before, Prices have not started to drop (yet).
-
Did anyone really expect the Bulls to advertise thier figure for scrutiny?
Does it really matter ?
(Do we really care ?)
Its far more interesting to compare our predictions for HPC figures & percentages with regard to our own situations.
Jamie Oliver is a ****** by the way .....
-
OO section
When bought Jan 2001
Mortgage - Rept £377 per month
When Moving/looking to buy ? - Looking to trade up when prices drop by about 30 %, but not too bothered when this is as savings going fine & I do like this place so may wait longer.
Are house prices coming down ?
Always had a slight doubt up intil the last 3 months , but now I would put money on it ! How much down by ? 25/30 % minimum. Timescale of falls ? Absolutely no idea so pure guess ; With the usual ups & downs, 3-5 years .
-
for half the cost of doing the work i could supply baseball bat barry to have a ''wooden word'' with him
Its evidently a strange old world on that forum , Sledge , a strange old world indeed.....
Donnie's Dilemma...to Buy Or To Fly
in The classics
Posted
In that case , Next time you're in the woods Donnie , just imagine you are hovering over an Estate Agents head .
PS Unlucky with the purchase , but I feel patience will win here & when you do form an emotional attachment to a potential property it may well be for a lot less wonga.