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House Price Crash Forum


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Everything posted by Freeholder

  1. I've seen a dewpoint on the internal surfaces of roofs with thick modern insulation. Never seen that on a roof where the insulation is just four inches or so between the joists. Changes to buildings are being made for 'enviromental' reasons without any competent person thinking through all the consequences. Some of the sales effort is quite aggressive with cold calling on the phone or at the door. I forsee trouble ahead as numerous old buildings are modified in essentially untried ways by people who have little or no understanding of the possible problems.
  2. The young people in my family seem to have taught themselves unarmed combat to a far better standard than I ever achieved. One was a karate black belt at twelve. I am rubbish at trapping and butchering so I have nothing to pass on there. I did teach them to shoot rifles and shotguns. This is good for teaching self discipline as well as great fun. I am wary of giving general advice to young people for fear of unintended consequences. One thing I do say to them is whatever goes wrong you will deal with it best if your conscience is clear.
  3. Good question. Reading the notes at the link no mention is made of private contractors doing government work. Perhaps an increase in contracting out explains some of the rise in private sector employment. If I can find an answer I will share it. Anybody else know?
  4. http://www.ons.gov.uk/ons/publications/re-reference-tables.html?edition=tcm%3A77-261324 Public sector employment is down 454,000 since the peak in 2009. It seems some of the cuts are real.
  5. In a strong field the most libellous, ignorant pile of sh1t I have read all week.
  6. There's a Mr A Hitler here to see you about his copyright.
  7. Markets appear to be in mid plummet right now. Perhaps the money magic will no longer work. Reality about to be faced? Surely not!
  8. Conservatives can be assh0les too. P. J. O’Rourke
  9. A dead statesman I could not dig: I dared not rob: Therefore I lied to please the mob. Now all my lies are proved untrue And I must face the men I slew. What tale shall serve me here among Mine angry and defrauded young? Rudyard Kipling
  10. Posterity will ne'er survey A nobler grave than this: Here lie the bones of Castlereagh: Stop, traveller, and piss. Lord Byron
  11. I went to an old style state grammar school. It was not solely the preserve of 'the children of slightly-above-average income families'. I had classmates who came from childrens homes, middle class families, well off, very poor, the whole range except for the rich, who made their own arrangements as they do now. My school was destroyed by the socialists in 1975. I have hated the b'stards ever since. Why did they do it? To keep the children of their core voters, the uneducated urban working class, poor ignorant and in their place. Scum, utter scum, the lot of them from Wilson through to Milliband. .
  12. Answers to questions in order. No. The vendor should be keen to tell you as the work should be covered by guarantees. If your surveyor is any good he should know, ask him . If the work was done by a reputable company and is covered by guarentee there is no reason why not. In South London the house may well be on clay and have suffered from shrinkage in the recent dry winter. The recent rainy spell should be causing it to heave back up now. I have seen victorian houses settle down and stabilise after such an event. As a general rule dont buy something you are unsure about, it will only keep you awake at nights. Better to stomach some dissapointment and abortive fees.
  13. That's my generation. I don't give a damn about my house 'losing value' all I want to do is live in it. I think you will find most of us are the same. It's the over-leveraged fools of whatever generation who are sweating and whining.
  14. Discussed here. http://www.thepropertypin.com/viewtopic.php?f=4&t=44348 edit Doccy Boy just beat me to it.
  15. Not the hughest bond yield on the Iberian peninsula. http://www.bloomberg.com/quote/GSPT10YR:IND
  16. Discussed here. http://www.thepropertypin.com/viewtopic.php?f=4&t=44226
  17. My mum told me when I was a teenager 'Whatever you want to do get on and do it, you might be dead next year'. Good advcice then as it is now. Of course that generation saw friends, neighbours and family randomly killed by infectious diseases and enemy action in a way we have happily never had to experience.
  18. 1958 My parents had a decent end terrace house on an affordable mortgage. Dad in a good professional job. Mum given up work to have me (I was three). Soon they would have their first car, only the second family on our street to get one. 1987 I had a 2 bed mid terrace on an affordable mortgage. Married no children. Wife and I both worked, life was good. Honda XBR500 and Yamaha TR1XV1000. I have nieces and nephews in late teens early twenties, they are going to have to earn extremely well to have what I had at 32 unless there is a return to house price sanity.
  19. That is almost exactly the same as my mortgage and endowment policy. The great thing about a lot of interest only mortgages was that there was no penalty for early repayment. I overpayed mine from the first month and paid the whole thing off in 17 years. The endowment paying out next year is pure bunce. Not a great investment but one that survived the depredations of the last labour government better than many.
  20. snip Thanks for the very full answer. I now know more about Queensland politics than I would ever have found out on my own.
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