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House Price Crash Forum

Shao Kahn

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Everything posted by Shao Kahn

  1. HI There, Does anyone happen to know if you can have an AST on a mobile home?
  2. See my long post on your "benefit scroungers" thread. "Thinking outside of the box", perhaps we could all club together to hire someone to cut out your tongue? *joke*
  3. If your debt-level is too high - just go bankrupt. There is nothing shameful in it and in my view it is now a statement of opposition to the corrupt status-quo.
  4. Possibly not, with JSA and HB / Mortgage Interest Payment schme - unless you have high unsecured debt? Fair enough, you will have to go back to the breadline existence, but that is surely not the end of the world? People need to swallow their pride and take whatever is going.
  5. The best since Nick Cave & Morrissey, i.m.o ...
  6. I think the picture of the two DSS cheap leather sofas piled on top of one another, upon which sits a shite-looking cheap Ikea table, with a busted microwave on top, with a kitchen bin at the base, makes me want to jack up and O/D !
  7. At least prices there seem to be moving in the right direction - unlike here. For a two-bed gaff, that is not too bad. Although I wonder what the service charge is, and whether it has been jacked up recently?
  8. There are no advantages at all as far as I can tell. The worst three side-effects for me are: 1) It increases debt. And when has debt ever been good? 2) It encourages speculation in the hope that prices will rise even further, e.g BTL, which destroys communities and ads nothing worthwhile to anything, and 3) As a result of both of the above, it brings out the worst in people behaviourally - someone who might have been reasonable before becomes a smug, braying [email protected] in designer clothes that do not suit the cut of his / her jib overnight...
  9. Lyrics : Well did you hear, there’s a natural order. Those most deserving will end up with the most. That the cream cannot help but always rise up to the top, Well I say: Shit floats. If you thought things had changed, Friend you’d better think again, Bluntly put in the fewest of words, C*nts are still running the world, C*nts are still running the world. Now the working classes are obsolete, They are surplus to society's needs, So let ‘em all kill one another, And get it made overseas. That’s the word don’t you know, From the guys that's running the show, Let's be perfectly clear boys and girls, C*nts are still running the world, C*nts are still running the world. Oh, feed your children on crayfish and lobster tails, Find a school near the top of the league, In theory I respect your right to exist, I will kill ya if you move in next to me, Ah, it stinks, it sucks, it’s anthropologically unjust, But the takings are up by a third, Oh So C*nts are still running the world, C*nts are still running the world. Your free market is perfectly natural, Or do you think that I’m some kind of dummy, It’s the ideal way to order the world, F*ck the morals, does it make any money? And if you don’t like it? Then leave. Or use your right to protest on the street, Yeah, use your rights but don’t imagine that it’s heard, Oh no no, C*nts are still running the world, C*nts are still running the world. As I said, it's just a bit of fun!
  10. Haven't been on here for a while as it was getting too right-wing and rabid and full of conspiracies for my liking... But thought some of you might like this tune by Jarvis Cocker, that to me perfectly encapsulates the current climate we all live in: http://www.youtube.com/watch?v=OZAiaHNo3Ds It's just a bit of fun! And the bulls, bears and neithers can all debate about who the c*nts who are running the world really are!
  11. Fair enough mate. Is it mortgeable around there though, on the bubble rates of 85% LTV? Or on the now current rates or around 75%?
  12. All good, but not many paid that sort of money for them. Multiply it by ten and that was the average probably in the last few years.
  13. Fair enough. Will have to take your word for that. But clearly people are strange and I stand by my stats earlier. I am sorry I was rude to you earlier but I remember you had a pop at me for doing home learning in the past so my hackles were up. Best wishes and no hard feelings? I think we could both contribute positively to the debate on this forum...
  14. Don't mind this, having read your posts in the past, well done.
  15. Oh no, not again! Where will this all end? And no descending into hyperinflation vs extreme deflation arguments, please!
  16. Repayment mortages are very rare in modern BTL. I worked as a mortgage adviser for three years and had to sell thousands of BTL mortgages, and below twenty were on repayment basis. Now rates are very low, this could have changed. I don't know, to be fair, Hamish. But my experience was that most BTL amateurs did not even know the difference between i/o and rep. I told them and explained how both work, but as far as they were concerned they wanted the lower monthly payment which was i/o. BTL is not FSA-regulated and I could not advise them on what I thought they should do, even though I hinted, but it always fell on deaf ears.
  17. But, being pragmatic, when would this ever happen? We have a heavily-armed population anyway - think fence posts, knives, cricket bats et al. We are more interested in eating chips than in armed insurrection...
  18. Depends upon what you mean? I don't work at the moment, but am doing full-time education. I will never work in financial services again anyway, on moral and health grounds. These days I am fully immersed in home learning, hence I am not on here as much as I would like.
  19. Agreed, which is how it probably should be...
  20. There is nothing wrong with that at all - this can be a good service - it depends upon the behaviour towards tenants and tenant's security. If they are badly-behaved, then I see no reason why they should not be thrown out on their ear but likewise if they are good then they should be able to enjoy the property - as their home, long-term, without interference or worry about their landlord turfing them out at short notice to try and gain a quick buck.
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