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House Price Crash Forum


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About ITSmidge

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  1. Immediately brought this to mind: "When he was a little boy, Sam Vimes had thought that the very rich ate off gold plates and lived in marble houses. He'd learned something new: the very very rich could afford to be poor. Sybil Ramkin lived in the kind of poverty that was only available to the very rich, a poverty approached from the other side. Women who were merely well-off saved up and bought dresses made of silk edged with lace and pearls, but Lady Ramkin was so rich she could afford to stomp around the place in rubber boots and a tweed skirt that had belonged to her mother. She was so rich she could afford to live on biscuits and cheese sandwiches. She was so rich she lived in three rooms in a thirty-four-roomed mansion; the rest of them were full of very expensive and very old furniture, covered in dust sheets." - Men at Arms, Terry Pratchett
  2. They were all over the place with the last batch of Nationwide predictions - iirc it was +0.3 at the beginning of the week, revised to 0.0 the day before and +0.2 on the day. Pulling numbers out of their backsides by the look of it.
  3. I wouldn't worry too much - the site's gone down a few times over the last couple of weeks, and always reappeared eventually. Also, Beerhunter's not working on it alone, anymore - there are a few people - so even if he decided not to continue he could probably pass the job on to someone else.
  4. Iirc, it refers to the average wage of the people taking out their mortgages.
  5. It's happenning in rentals too: http://www.rightmove.co.uk/property-to-rent/property-25672633.html I goggled at how cheap it was (£350pcm is crappy-studio-flat price in these parts) - four days later, they tacked on a proviso that the tenant must be over 55.
  6. That's how I see it. Just a means to keep IRs low with a huge rise is costs (except housing). Houses prices will go down, but deflation would be the trigger for more QE. Total mess. Iirc, it's not house prices that are currently included in RPI, but mortgage costs.
  7. Around £8k student loan. I have more than enough in savings to pay it off, but I figure that £8000 will save me more as part of an (eventual!) deposit on a house than it loses me in interest. I also have a credit card which I use for internet purchases and pay off every month. I used to use it to buy petrol as well, but I forgot the PIN a few months back and haven't been bothered to get it sorted.
  8. Not sure about him personally, but there's been a good response from volunteers to help him with development - good enough that he's set up a separate 'developers' forum so they can collaborate on the project: http://www.property-bee.com/forum/viewforum.php?f=15
  9. Based on The Official Church of Satan, they actually seem quite sensible! The Nine Satanic Statements from The Satanic Bible, ©1969 by Anton Szandor LaVey 1. Satan represents indulgence instead of abstinence! 2. Satan represents vital existence instead of spiritual pipe dreams! 3. Satan represents undefiled wisdom instead of hypocritical self-deceit! 4. Satan represents kindness to those who deserve it instead of love wasted on ingrates! 5. Satan represents vengeance instead of turning the other cheek! 6. Satan represents responsibility to the responsible instead of concern for psychic vampires! 7. Satan represents man as just another animal, sometimes better, more often worse than those that walk on all-fours, who, because of his “divine spiritual and intellectual development,†has become the most vicious animal of all! 8. Satan represents all of the so-called sins, as they all lead to physical, mental, or emotional gratification! 9. Satan has been the best friend the Church has ever had, as He has kept it in business all these years! Is Satan a HPCer?
  10. That's one of the reasons I haven't paid mine off in full. It's about £8k - quite paltry compared to some people's - and I have around £23k in savings. I figure that the interest on the SL is unlikely to be higher than the interest on a mortgage, so that £8k is much better spent as part of a deposit. It used to though - at least until the late '90s, iirc. Quite a few took advantage of it until they closed the loophole.
  11. I'm very much a lurker, hence the low post count, but this thread has run for too many posts without an AWOOGA
  12. Nah - he wants to live in Kings Hill, but actually lives in Tovil.
  13. This was my understanding as well. Couple across the road were told (by the EA) that the house could be put on the market (Rightmove etc.) without a HIP, but they couldn't have any viewings until they had a 'coffee table' copy of it. Any truth in this, or is it the usual EA b0llocks? (I should note that it was sorted in fairly short order though).
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