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House Price Crash Forum


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Everything posted by championmongo1

  1. My first decree would be that no-one (except those that cannot do ANY job) should receive benefits who have never paid tax. Further to this I would suggest that if you have been a hard working tax payer and need to claim benefits you should receive an equivalent to your last salary (up to a maximum threshold) for a period of six months and after that you are on your own! Anyone heard of natural selection? Secondly the tax payer should not supplement anyone who has kids! People should have to work out if they can afford them and if they can't they shouldn't! Simple! Employers should be given some tax relief if they provide suitable childcare arrangements to encourage those with children to be an active part of our economy! Thirdly tax payers should be the ones to receive free prescriptions, have access to NHS dentists, etc. etc. not those who have never contributed to our economy! Those who contribute to our economy and society should be rewarded and those who don't shouldn't! To combat the possible rise in crime this might cause among certain elements I would also suggest at the same time the justice system is overhauled to a point where the victim or relatives of the victim play an active part in sentencing within certain thresholds, etc. This would possibly include bringing back the death penalty and/or having harsher prisons where it is up to the friends/relatives of the perpitrator to feed those who need punished! An eye fo an eye, etc. I have a whole list of things I would do if I was in power but I'm afraid to carry on beacuse long posts tend to get ignored and/or slated (BB ) Comments?
  2. I agree totally with this sentiment but the banks are almost forcing the market down now with their lending criteria, no??
  3. i have a no sale no fee contract with my EA and i'm sure others will have negiotiated a similar deal so it may have some impact IMO! not me though as i need to sell!
  4. Maybe things ARE getting better: http://www.dailyexpress.co.uk/posts/view/44410
  5. All I can say is I'm looking forward to my 21% pay rise as that will cover true inflation and hopefully leave a little over! However those getting single digit payrises will really feel the pinch beacuse I think it's fair to say true inflation is closer to the 12.5% mark (maybe higher???) despite what the official government figures suggets. Even Mervan King feels that how the official inflation data is collated is inaccurate and in need of a major overhaul. How can the government even suggest that the price of widescreen TV's dropping helps make up for the rising food, energy and other day to day living costs??? It beggars belief... They need to change the whole tax system so those that work hard are rewarded and punish those who are able to work but choose not to! I hate this whole socialist politics thing...have these people never heard of natural selection! Maybe I'm going to far here but it will be interesting to see what everyone thinks? Anyway rant over...must enjoy the good weather while it's here!
  6. I NEVER want to be on the ladder again...if I ever sell! But it will be interesting to see at what level people will think it's time to re-enter the market (IF they can get any mortgage products again!).
  7. hopefully you will get a phone call of an offer first thing...and then when it completes break out whatever alcoholic beverage the sale price affords you!
  8. With the high average house price surely everyone in Northern Ireland can afford very expensive champagne like they do in London!?! And thanks, the pay rise will definately help as I'm on a tracker so I've actually seen my mortgage fall...it's just everything else is getting more expensive! Cigarettes, alcohol, food, oil, etc. I mean how are people in N.I. suppoesed to afford these 'luxeries' when they can no longer MEW! And please no-one shout at me for smoking, smoking and drinking really help if you are an OO trying to sell in the current market and besides a nice bottle of red and HPC help the evenings pass!
  9. Well my sale hasn't fallen through yet...but it is very likely to so. And thanks-organising a wedding and selling a house at the same time whilst living in different countries isn't easy but sure it could be worse...and I've managed to negiotiate a nice 21% payrise! I should be able to afford food and oil again! Anyone else think that inflation is closer to 20% than 2% at present?? Hopefully all works out well for you WBS and we will soon be able to join with Sophia in the joyous post completion phase!
  10. I know I thought he'd be happy with a seller willing to be flexible for a speedy sale-some commission is better than no commission!?!
  11. I just want it sold (not too bothered about the hit, as long as I clear the mortgage & costs but time is important) as my fiancee has been living in england in our new place for nearly a year by herself and we get married in August! Interestingly I wanted to drop it more but the EA didn't think this was a good idea as current offers are always lower than the asking price regardless of what they are and also that his commission would be lower! :angry: Shall see what happens! Any news from WBS recently???
  12. Well if there are 27,000 overpriced houses for sale, 2,000 dropping in one week seems reasonable-after all that's only around 7% of the inventory! Especially with more 'realistic' sellars like me dropping 27% off the asking prices and willing to listen to offers!
  13. I'm going for 2,000 this week again. My asking price has been dropped again this week and I think the EA's themselves know they need to clear out the dead (i.e. overpriced) stock before FTB's will consider buying in larger numbers again!
  14. PRICE REDUCTIONS My house has had a total of 45k reductions off the asking price since November which relates to a 27% drop. It has been sale agreed a few times as I have always had it lower than the competition but as yet has never completed as people cannot borrow what they thought they could! Good news for you guys...bad news for the ordinary OO needing to sell to move on!
  15. I'm an OO trying to sell so I couldn't afford happy pills! Maybe I could MEW and buy some though...oh wait, how much for that arrangement fee What do you mean a higher rate than I secured earlier in the year despite the BOE interest rate cuts Oh shite, maybe BB was right all along... Ah but the economy is still growing: http://news.bbc.co.uk/1/hi/business/7366534.stm And Stormont has been so effective bringing in new investments! What do you mean global recession: http://www.telegraph.co.uk/money/main.jhtm...9/bcnimf109.xml Interesting times ahead but the price of food, oil, etc. puts house prices into perspective somewhat??? I think the global financial system needs over hauled and quick or these commidity speculators will force the average Joe into poverty and those in poverty...all I can see is God help them!
  16. i'm guessing 2,000+ for the sweepstake! Who knows maybe £20m knocked off prices this week??
  17. Does unfurnished really command a premium? That seems odd? Surely it would make more sence to just dump the furniture then??
  18. BREAKING NEWS: http://news.bbc.co.uk/1/hi/business/7357880.stm So it appears the BOE is bailing out the banks to a degree however: 'It will only apply to mortgage debts on banks' books at the end of 2007 and the swaps cannot be used to finance new lending.' So it will help the banks increase their profits but not actually help the average home owning taxpayer despite them funding the scheme as such. Interesting appoach!?!
  19. Some times I feel that the saying that 'ignorance is bliss' is so true! As an OO currently trying to sell...yes and no. Yes as you don't worry so much and no because some posts make scarily good sense (BB-heres looking at some of your posts). But the show must go on!
  20. Hopefully in the future (once the crash has ended) mortgage payments will be taken into account will calculating inflation and thus interest rates. Maybe this along with other tax penalties relating to second/investment homes will finally stop this boom and bust cycle of property prices! Homes lived in by the people should be owned by the people. This will help people take more pride in their homes, areas, etc. and may even help Northern Ireland develop further into a civilised society and surely that is what we all want? I say once the crash has ended because if mortagage payments weren't taken into consideration while house prices were rising they cannot be taken into account as house prices are falling as this will simply distort the state of the UK plc economy further. Surely we as a nation would be better placed to deal with uncertainties in the world's markets if our attitudes were reversed to a time when one saved occasionally for what one wanted rather than reaching out for constant credit, etc. (N.B. I speak as someone who has no debts except for my mortgage and plan to stay that way no matter my fiancee may say!) Thoughts???
  21. Is it time to pack the ship again then???
  22. Thanks I guess...suppose my head had to come out of the sand eventually...
  23. I hate the personal attacks on people though, it is very interesting to hear from both perspectives...even if one may be based a little more on hope than fact!
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