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nicebuyer

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Posts posted by nicebuyer

  1. Aug 20 Nicebuyer: As for your friends, I own a Bugaboo, am about to buy a nice big car and my mortgage is already paid off and I'm 31 so as Timmy Mallett would say, BLAH.

    and yet Aug 20 he already has a big car: Maybe the X5 is a tasteless car. Again I ask, so what? Why should I care what others think of me or the car I drive? I drive it because it does the job I need it to.

    Aug 15 Nicebuyer: I'm happy renting right now, why can't you be?

    Aug 10 Nicebuyer: No, this is mine :)http://www.rightmove.co.uk/viewdetails-10817931.rsp Exchanged and a few hours away from completing.

    and your previous name...Michael Schumaker??

    Schuey Aug 8 :Dude, why the hostility??????

    Here:

    http://www.flickr.com/photos/schuey100/221...57603785363614/

    Here's a pic of my wife at Christmas in our house. You'll see the picture correlates to those in the rightmove details. Why would I make stuff up? Want more pics? Let me know.

    Apology please, thankyou.

    Seriously, I have no idea what you are trying to prove.

    1. I sold my house. Guess what? There was no mortgage on it. You questioned it, I sent you a link to prove it, you questioned again, I then sent you a pic of my wife in that house.

    2. After selling the house I went into rented. As it happens the details of the house remained on rightmove for some time, as EAs tend to do so I referred to them many times. As an aside, I moved into rented well before the sale on my house finalised.

    3. I also happen to won more than one car, again, so what? Can I buy another car when owning one?

    Why I'm explaining myself to you I have no idea.

  2. yep, and all the other troll posts....you were DEFFO on ignore.

    and now you talk ballox about avoiding tax cos you're a muslim.

    course, that makes me a racist too.

    posted March by Nicebuyer: In my case I can tell you that 4 houses I have offered on since last week are now under offer from genuine people.

    posted Sept 28 2008 Nicebuyer:Has anyone reported this thread to the benefits office yet? Obviously this potential benefits cheat is someone they ought to keep an eye on. If no one else has then I'm happy to alert them via the online tool. https://secure.dwp.gov.uk/benefitfraud/ The idea that someone with �60k+ in their bank account should be thinking of defrauding the system really irks me.

    Sept 18 Prices are dropping, just not, in the main, with pproperty that is of interest to many of us. I went to see a house a few days ago, they took �200k off it over the past two months, that still puts it �100k over what it would have cost a year ago.

    you are a busy banker.

    There's a difference between offering on a house (and having the offer rejected as per the quote you offered up) and actually buying a house, you have still not shown a post where I said I had bought a house. Incidentally the houses that I have offered on have sold.

    Re. the benefits quote, if you wish to call tax planning defrauding the state then so be it. I happen to pay every last penny of income tax (even though many of my colleagues do not) and when it comes to SDLT I'm happy using a loophole, but that's by the by.

    I do hope that one day you cheer up and stop feeling the need to be quite so egregious and nasty. I do happen to think many people on HPC are really genuine and don't deserve the reputation they get because people like you frequent this place, you bring it down, throw insults and are so far outside of reality most feel sorry for you but of course you don't see it. This place is not full of loonies but unfortunately for the majority many people think it is purely because of posters like you.

    I'm can only hope one day you get a bit of cash in your pocket to enable you to buy a house and get that giant chip off your shoulder.

    Enjoy the rest of your time here, and once again, good luck to everyone else, I hope it all works out!

    Cheers!

  3. Don't tell me , you are paying £175k for the house and £425k for the carpets and curtains to avoid SDLT ?

    If not, how exactly will you avoid paying £24k stamp duty ?

    this is a better link explaining this particular Sharia loophole: http://www.citywire.co.uk/personal/-/comme...0958&Page=1

    It's not the onyl way of doing it though, there are plenty, this is just one that's flavour of the month right now.

  4. Don't tell me , you are paying £175k for the house and £425k for the carpets and curtains to avoid SDLT ?

    If not, how exactly will you avoid paying £24k stamp duty ?

    No, I'm not paying all that for curtains :) There are numerous ways of avoiding SDLT, one might for example be to use the new Sharia law rules eg: http://www.ft.com/cms/s/2/a700cb3e-7873-11...144feabdc0.html

    It's a bit complicated but totally above board. Indeed one needs to inform the Inland Revenue exactly what you are doing when you get to the SDLT stage, you (your tax planning firm) writes to them to inform them of the loophole you are using. It's a law they brought in last year so that everything is open and they know what people are doing.

    Isn't this all common knowledge? I doubt many people buying over £500k pay SDLT anymore do they?

  5. he a troll, buys a house whenever "good news" about the housing market is braodcast.

    http://www.housepricecrash.co.uk/forum/ind...c=84238&hl=

    I buy a house whenever there is good news? You'll see that was the one and only time and you'll also see that I never purchased, I was looking for advice. I also don't think there was anygood news at that time at all.

    So you're wrong but I think most people would expect that of you.

  6. Gordon is all smiles he is counting the tax.

    Cost to sell first house at I assume 600K = 1.5% ea fees 9000 and vat at 1,575 total 10,575.

    Removals 2K plus Vat 350 total 2,350.

    Stamp duty on new house 600,000 at 4% = 24,000

    Full structural pluse legal fees 1.5K plus vat = 262.5 = 1762.5

    Total cost approx = 38,687.50 GBP of which 26,187.50 is TAX! TAX! TAX!

    I would have stayed rented in your situation and had a few nice holidays you have just paid 26,000 in TAX to McDoomed and you had to pay the same price for the house you bought now as it was at the peak.

    Hm, do you have any brains?

    I won't be paying anything of the sort thanks. Firstly removals all in will be £800, structural £940 inc VAT, and SDLT, well, let's just say it wont be £24k.

    I have brains thanks.

  7. People spending their money now are simply doing what the amrket expects them to. Interest rates will rise, taxation will rise, unemployment will continue to rise and ultimately the lax lending that powered the market has gone and shows no signs of returning.

    Of course those currently participating in the market feel bullish. They'd be idiots to think otherwise. It no more makes them right than a man mistaking a mirage for an oasis.

    It goes both ways of course :) Those out of the market are going to feel bearish. However I feel I have a relatively objective outlook, POV, I've been on both sides over the last week and in my opinion I think that buying now is sensible for me.

    I personally think house prices will stagnate for a few years, I don't see massive rises but at the same time I don't see the 40% drops that many people here have suggested but let's be honest, we are all pissing in the wind, we have no idea. The biggest factor in all of this is not swap rates or IBL but what the media is reporting and how it's reported.

    Another month where the BBC front page story is "HOUSE PRICES RISE AGAIN, RECORD RISES" and then at the same time "RECORD LOW INTEREST RATES, HELD AGAIN'.

    That has an impact and one only needs to listen to people in the office or at the restaurant/dinner party talking about property again.

    Prices may fall, prices will inevitably rise again but I've got to the point where it no longer matters, where worrying about this stuff is secondary to what we should all be doing, living our lives. And that for me is key. I don't really care if I lose a few quid at least I have a little place to call home, close to a decent school and a nice big park :)

  8. Good for you, you pays your money and take your chance.

    What mortgage did you go for if you dont mind me asking? %, period, etc

    Went with the Abbey, put down 40%, I'm buying a Victorian terrace in SW19, 3 bed, 2 bathroom, nice little place, garden too small of course :) Had to pay a bit more because it's close to two excellent schools so there's a bit of a premium there. Going to stay in London for another few years and then moving out and finding something bigger.

  9. erm - yes you can, or rather macro-economic forces can, really quite cruelly. but good luck in your new home anyway.

    It's funny, the financial system was on the brink of collapse, unemployment is sky high, the BOE has had to pump massive amounts into the economy to save it, it's dropped interest rates to record lows, house sale levels are and have been at incredible lows, the country is almost bankrupt and what do we have?

    A market sentiment that says 'the house market has recovered, prices are up, times are good.

    I'm amazed at what's happening, how people are reacting just a few months after potential oblivion but it's the way that it is. Sentiment has changed, attitudes are different and no matter what we al think, the general public doesn't see things like the average HPCer.

  10. Like everyone else, after selling at peak I was selfishly hoping for 30%+ falls in prices but it's just not happened nor do I see it happening. The price level at which I'm buying ~£600k hasn't seemed to move much in London over the past year, £50k here, £50k there, nothing to get too excited and write home about.

    So rather than continue renting I've finally gone and made an offer, got it accepted and bought a house about £60k under what it would have been last year. With a young boy needing to settle into a permanent home and a wife fed up of renting we've made the decision.

    As much as I can see and spin the figures to make buying now look silly and as hard as I can argue you just can't change sentiment. I know £600k for a 3 bed house is ridiculous but unfortunately the general sentiment is that although we may all be right, it's just the way things are.

    The fact is the 'man on the street' sees the latest news story talking about house price increases and BINGO, suddenly sentiment has changed and people believe in housing again. You just can't argue against sentiment.

    So I'm now a homeowner again, happy that I made a bit of cash during my brief time as a HPCer, sold at the right time and perhaps bought at the right time. If prices do decline then so be it, I'll be a few quid out of pocket but then again, I made enough on my sale. Finally I can stop worrying about house prices, arguing about what will happen, spend time reading forums about them and just enjoy life.

    So good luck everyone!

  11. Like everyone else, after selling at peak I was selfishly hoping for 30%+ falls in prices but it's just not happened nor do I see it happening. The price level at which I'm buying ~£600k hasn't seemed to move much in London over the past year, £50k here, £50k there, nothing to get too excited and write home about.

    So rather than continue renting I've finally gone and made an offer, got it accepted and bought a house about £60k under what it would have been last year. With a young boy needing to settle into a permanent home and a wife fed up of renting we've made the decision.

    As much as I can see and spin the figures to make buying now look silly and as hard as I can argue you just can't change sentiment. I know £600k for a 3 bed house is ridiculous but unfortunately the general sentiment is that although we may all be right, it's just the way things are.

    The fact is the 'man on the street' sees the latest news story talking about house price increases and BINGO, suddenly sentiment has changed and people believe in housing again. You just can't argue against sentiment.

    So I'm now a homeowner again, happy that I made a bit of cash during my brief time as a HPCer, sold at the right time and perhaps bought at the right time. If prices do decline then so be it, I'll be a few quid out of pocket but then again, I made enough on my sale. Finally I can stop worrying about house prices, arguing about what will happen, spend time reading forums about them and just enjoy life.

    So good luck everyone!

  12. To be fair to the EA, I'm getting the same thing from multiple EAs at the moment and the houses going under offer that I'm interested in does seem to back them up. Only yesterday one that came on a week ago that I was due to see has gone under offer, http://www.rightmove.co.uk/property-for-sa...y-25425152.html

    Three properties I was due to see at the weekend have now gone under offer, it's beginning to get a bit annoying. I'm starting to think we've got to a point where prices are stabilising and sales are increasing.

  13. I'd just be completely honest with them - i'm not interested in starting a bidding war, and if someone else has already put in an offer then i'll quite happily leave them to it.

    That offer was higher than i was considering anyway ;)

    Exactly, my answer would be "There are plenty of properties on the market, I'm not willing to bid against other people, their offer was too high anyway, let me know when something else comes in, good day".

  14. What happened to the rental information on Property Bee? Property Bee displays the historical changes for properties for sale but nothing appears on the rental side.

    It's great that Beerhunter was able to use HPC.co.uk to build up his user base and sell his project on to RightMove, but wasn't he here asking for "donations" a couple of weeks ago to keep his project going? It appears that RightMove is now censoring data on PropertyBee to remove any information on rental asking prices. Is this what people were donating money for? Is Beerhunter going offer refunds now that he's been paid off?

    How stupid do you feel now? :P:lol: Selling out to Rightmove? :lol:

  15. This is a bit of a stupid topic isn't it? It's suggested that those that come into short term windfalls should get short term protection. Right...so....The problem is? Because they mentuoned the word 'house' in the article?

    There are many reasons that people deposit large amounts in savings accounts in the short term. Why not help protect those people? Or would it be okay as long as anyone that sold a house is excluded? Perhaps we exclude people that live in houses. Or next to a house, or who have looked at a house :rolleyes:

    Come on, this forum amazes me sometimes.

  16. how many of these bidding wars are with/against real people/genuine bidders?

    In my case I can tell you that 4 houses I have offered on since last week are now under offer from genuine people.

  17. in some areas and some price bands there does seem to be a sort of mini-boom in sales going on at the minute, multiple people bidding on houses. It looks to me like a few people piling in and quickly exhausting available stock. My own view is that I'd rather rent than bid against someone else, and possibly best chance of paying a sensible price would be a broken chain. You takes yer chances I guess, looks like the sucker's bounce to me as the wider economy is still heading down the pan at an alarming rate.

    I think you're right and that's what I'm finding. I made an offer on a property again today and I've been outbid by someone offering £20k below asking price. This particular property was bought for £499k in 06. It's now on at £595k and will go for £575k. Crazy.

    It's annoying too because low bids that might have been accepted before are now rejected because so many people are looking around at properties.

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