defweb

the size of the loan is irrelvant. they merely take x% of salary above 15k. thanks for letting me know about the interest charge. wasnt aware it was currently so high. Is it linked to the retail price index and captured once a year (say september)?

24 years old on a salary of 20k rising to £24k next year. I have approximately 30k as a deposit. I have been able to save 20k cash over the last two years and was fortunate to get 10k from my parents in shares when i was 18. Confident that the shares will retain value over the next year and intend to put more into it rather than soley cash as i have been. i have 10k student loan but it makes no sense to pay it back given its charged at 2% and id get 4% plus ina bank. Currently paying back £39 per month through my pay check.

aircraft carriers are a political tool. you only have to move these things into certain areas and governments start to listen. Incidentally the UK MoD are currently in the process of building two new aircraft carriers (possibly collaborating with the french). No cutting of steel till 2009 mind you.

is anyone worried that the regeneration of broadmead shopping centre might cushion any potential falls in city flats? i drive past the latest development on the harbourside (360 degrees) and i cant imagine who would buy them at those prices.

used to live on avery hill road in eltham. Some nice houses there but i agree it is a cultural wasteland, nto to mention race wars going on. whites v blacks, chinese vs asian, asian vs everyone

BOE have clearly failed us. A little above target i could accept but 2.3% coupled with an interest rate reduction shows that their remit is not to control inflation but rather prop the housing market and consumer spending. How many months above target is acceptable?

yes. ive set the money aside and if requested i would pay immediately. It was a genuine error that i didnt pay but im not going to be forthcoming.

i share with 4 other people and we all pay elements of the £1400 rent. my bit is a few hundred but i didnt make my payment for july which is over month ago now. The house is currently in the process of being sold so the LL likely has a lot more fianancially going on than to notice a few hundred quid. my question is. when can i consider myself as having got away with it? i have made my august payment and the house is currently in the process of being sold meaning i will have a new landlord. persumably the LL will notice when carrying out his end of year accounts but by then ill be long gone......

RIP ROBIN. Party politics aside he showed real convicition over the iraq issue. Will be missed as a back bencher

currently living in Bristol but i follow the andover market a little as its where i grew up and will be working for 6 months from september. I very nearly bought one of those apartments (clarence court) on the safeway roundabout. I look at the flats now and realise they look ugly. No idea what i was thinking but that aside, those flats are now at least 3k less than they were in november of 2003 so it was a wise move. got to laugh when they sell 2br apartments in andover for 170K. No idea who buys them as andover is hardly full of professionals!

the post code is bs8 4re its in cliftonwood, ambra vale east to be percise.

the house i currently rent in bristol was put on the market for 350k, then reduced to 330k and 310k. Having just spoken to my landlord he has informed me he is reducing it to 290k and would i be interested. Of course i wouldnt but just demonstrates how wild valuations can be. Wouldnt suprise me if this place gets sucked below the stamp duty threshold given time.

1) provate 2) £1400 3) 4 4) Bristol 5) £330k (on the market at that price but few viewers)

i graduated in 2002 and have about 10k in student loan debt. I currently earn 21k and pay pack about £45 a month. Chicken feed. I could pay back the sum entirely but i get more money from having my cash in the bank.

great anecdotal evidence of people being less frivolous with their cash http://www.escortwatch.org/modules.php?nam...topic&t=217#705 here are a few choice statements if you dont wish to visit the site "Jaz, on the whole Bristol is a relatively affluent area and the Bristol business/commercial environment is still buoyant. There are no large scale job losses or concerns. Retail sales are down nationally but I wouldn't expect the effect on the Bristol escort/parlour market to be so dramatic. I know that the parlour girls are very concerned about it at the present time but the feeling is that things will improve." "Really sorry to hear that things are as bad for you as they are for me. I just don't know what's going on at the moment.Wouldn't surprise me if we end up in a recession,cos it's not just our trade that is affected. It seems to be everybody,pubs,clubs,shops,etc. Let's just hope it doesn't go on for much longer else we'll all have to look for proper jobs and we know there's no money to be made working 9-5.I've done many different jobs but none have paid the kind of money I normally earn doing this one. Keep your chins up girls and all you punters out there, START SPENDING!!!! !

just got a call from my letting agent that someone was coming round to value the house so the Landlord can remortage the property. I thought MEW was dead? obviously not thing is, i had planned on asking for a rent reduction of £200 from 1400 to 1200 but its seems less likely to be accepted if the Landlord is about to take on a much bigger mortgage (probbaly releasing cash for his daughter to buy a nice place) im prepared to leave the property if i dont get the reduction but do you think the MEWing puts me in a far weaker position given his new costs?

great bit of anecdotal evidence. I live in clifton and would love to buy there when the time is right. heres my own bit of evidence. I currently rent a property in clifton that has been on the market for nearly a year now. Landlord bought it for his daughter while she was at uni. She left uni in June of 2004 and they tried to sell it at £350k to no avail leaving the house empty for a good 6 months until they decided to rent it out while keeping it on the market. Thats where i stepped in, jan 05, renting the place for £1400 giving a yield at marketed price of under 5% viewers came and went and at certain periods it was eerily quiet on the viewing front. The price was reduced to 330k and viewers picked up again but no biters. Its now on the market for £310k and no viewers in sight. make of that what you will. £350k to £310k in a year. It would probably sell in my opinion for about £280k

where abouts in bristol is this? i follow this area closely given that i live and want to buy there. very brave(or stupid) investor

this property is single handedly manipulating rightmove asking price data

Location: Bristol Monthly living costs ---------------------- take home: 1450 Rent: 305 CT/Water/gas/elec: 80 council tax: 30 Petrol: 30 Phone/Mob/Internet: 50 sky: 8 Food: 110 Discretionary spending: ~350 remainder debited into bank : 500 approx

wouldnt it be great if someone were to print this out and post it through the letter box of the property marked "for the attention of the landlord".

well done nervous. You have carefully mulled this over and come to a rationale decision rather than solely an emotive one. I follow the bristol market and am very confident you have made the correct decision financially.

great news. im sure they were around the 250k mark back in 03 when first built adding to more anecdotal evidence of apartment prices, 27 montague street (with no chain) has just been reduced from 205k to 197,500. a quick check on nethouseprices showed this to have been bought for £196,911 in dec 04 from new. buy to let gone wrong? either way they are at a loss after taxes. http://www.rightmove.co.uk/viewdetails-4319396.rsp/svr/2003 definitely a glut of apartments in bristol especially with all the harbourside development. I wouldnt touch any apartment with a barge pole right now as the prices will crash regardless of the wider market

im currently living in a house in clifton which has been on the market since june last year (when the slump started) http://www.rightmove.co.uk/viewdetails-533...pa_n=1&tr_t=buy the plan was id rent it till august 05 until which time he'd find a seller. Lots of viewings up till christmas last year but this year has been very quiet despite a reduction from £350k to 330k. had a phone call last week saying he will take it off the market if it hasnt sold by August and asked if id stay on. Unfortunately i wont be as it would have beena good opportunity to screw the rent down. We rent the place for £1350 which is a yield of about 5%.

thanks for the advice. took the £150 and left it at that. greatful to be renting and not have to worry about the cost of boilers and such.