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House Price Crash Forum


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About greenalien

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    HPC Regular
  1. ...when the population was a somewhat less than it is today - 10 million at the start of the 19th century, 30 million by the end.
  2. So - today you turned 21. That means that you'll probably live for another 60 years or so, if you're lucky. During that time, you may - or may not - pursue a career, have a family, buy a house / car / holidays, become an alcoholic or a drug addict, manage your money carefully, become a reckless spendthrift, retire in comfort - or in poverty. It's your life, after all. Your choices. If it works out OK, you will be able to congratulate yourself on your intelligence and wisdom; if it doesn't, you'll probably blame the government, who you'll vote out of office in favour of the next bunch of self-s
  3. This is not as simple as it may initially seem. Firstly, if the house has been inhabited for a period of time by a senior citizen who has been steadily declining in health to the point that they are forced into care, there's a good chance that the house will need major renovation before being rentable or saleable - not least, it's likely to be pretty smelly and require full redecoration. Secondly, it's not just the house, but the contents - many people's houses have a lifetime's accumulation of posessions which would have to be put into storage before the house could even be renovated. In both
  4. There is a brilliantly simple 19th century cartoon of two farmers sweatily tugging at a cow from each end; it's obvious that each is claiming ownership. Underneath the beast is a bewigged and smiling gentleman sitting comfortably on a stool milking. The drawing graphically illustrates a great truth about litigation - that the lawyers never lose... (BTW - if anyone has a better image of this, and there are a number of variants, please upload - Google images only came up with the small version which is attached...)
  5. ...may have been true 20 years ago, I think that, apart from the infrastructure, the Indians and Chinese are pretty much ahead on most of these counts - and how many Americans - or Europeans - speak fluent Urdu, Bengali or Mandarin?
  6. Good programme, that made some interesting points other than those on fixed sterling-based income having a hard time : 1) 3 million empty properties, including 1 million unsold newbuilds 2) Spanish economy very dependent on the building boom (13% of GDP at height) 3) Nightmare bureaucracy so that even people with apparently good paperwork now finding that their houses aren't legal 4) Lots of criminal sales practices still going on, especially to the gullible and ill-informed They also pointed out that one of the major problems with the Brits was their failure to learn the local language,
  7. It is free - it falls from the sky - how much more free do you want it? (Of course, if you're too lazy to collect it yourself, I don't think that gives you the right to say that someone else should collect it for you but not charge for their effort...)
  8. This article trots out the same old - and incorrect - chestnut that average house price is directly related to a multiple of average salary. This is just plain wrong - it is only true for first time buyers, who will be seeking a mortgage based on their salary and have no equity, so need a deposit to compensate for this. Many people, having bought their first house, subsequently trade up as a result of putting more savings, bonuses, inheritances etc towards a better property. Such sales put up the average house price, even if salaries stay the same.
  9. Low pound = more expensive imports. Sony have said they expect their prices in the UK to rise by up to 30% soon.
  10. I was chatting to a friend of mine last week, who had accumulated £40 of Virgin Mobile points - he had planned to get a new phone with them but was unable to complete the deal due to problems with Zavvi - looks as though anyone with Virgin points needs to check where they stand.
  11. Sony planning New-Year price rises of up to 33% Article here ...so buy that big telly now!! (or not!!!!)
  12. If you are saving for retirement, like most people eventually have to, the lower the rate of return from interest, the more you need to put into your fund yourself - (assuming you are working to a savings plan, which is generally reckoned to be a sensible thing to do) - so less disposable income to spend on discretionary items like meals in restaurants, holidays abroad etc.
  13. Bottom line - if it's taken 8 years for you to save £8000, and that's the best you can do, you can't afford to buy a house. Now you're thoroughly depressed, let's try to do something to make you feel better. If you both agree that home ownership is the most important goal in your lives, you need to start saving a lot more, which means both of you working as hard as you can for a few years to get there, no luxuries, no holidays, cheap banger for transport etc - or forget about buying and rent somewhere you like and get on with having kids - house ownership isn't everything that matters in lif
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